CrossFin
ActiveSummary
CrossFin has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €22k and a net result of €93k. Equity remains stable across the filed fiscal years (±0% per year). Its solvency ranks better than 21% of 31791 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency42▲+8
Growth58=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.16 against 1.06 in 2024; short-term debt: 83.1% and cash: 14.2% of total assets), and 83.1% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
16.9%
Return on assets
72.8%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 21% of 31791 sector peers (2025).
NBB · sector comparisonPosition among 31791 sector peers
Solvency
better than 21%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
26 d late
2023
30 d late
2022
29 d late
2021
30 d late
2020
30 d late
2019
84 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€22k▲ 5.5%
2024 · €20k
2018: €232khighest in 8 years
2019: €20k▼ -91.2% vs 2018lowest in 8 years
2020: €20k● 0.0% vs 2019lowest in 8 years
2021: €20k● 0.0% vs 2020lowest in 8 years
2022: €20k● 0.0% vs 2021lowest in 8 years
2023: €129k▲ +530% vs 2022
2024: €20k▼ -84.1% vs 2023lowest in 8 years
2025: €22k▲ +5.5% vs 2024
2018 → 2025
Total assets
€128k▼ 43.5%
2024 · €226k
2018: €258khighest in 8 years
2019: €117k▼ -54.7% vs 2018lowest in 8 years
2020: €128k▲ +9.3% vs 2019
2021: €118k▼ -7.5% vs 2020
2022: €139k▲ +18.0% vs 2021
2023: €161k▲ +15.2% vs 2022
2024: €226k▲ +40.9% vs 2023
2025: €128k▼ -43.5% vs 2024
2018 → 2025
Net result
€93k▼ 0.7%
2024 · €94k
2018: €64k
2019: €61k▼ -4.7% vs 2018lowest in 8 years
2020: €89k▲ +46.2% vs 2019
2021: €80k▼ -10.3% vs 2020
2022: €100k▲ +25.1% vs 2021
2023: €108k▲ +8.7% vs 2022highest in 8 years
2024: €94k▼ -13.5% vs 2023
2025: €93k▼ -0.7% vs 2024
2018 → 2025
Working capital
€17k▲ 39.5%
2024 · €12k
2018: €227khighest in 8 years
2019: €-10k▼ -105% vs 2018lowest in 8 years
2020: €19k▲ +283% vs 2019
2021: €18k▼ -5.2% vs 2020
2022: €17k▼ -4.8% vs 2021
2023: €117k▲ +579% vs 2022
2024: €12k▼ -89.5% vs 2023
2025: €17k▲ +39.5% vs 2024
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€20k-€20k=€129k▲ 530%€20k▼ 84.1%€22k▲ 5.5%
2021: €20klowest in 5 years
2022: €20k● 0.0% vs 2021lowest in 5 years
2023: €129k▲ +530% vs 2022highest in 5 years
2024: €20k▼ -84.1% vs 2023lowest in 5 years
2025: €22k▲ +5.5% vs 2024
Operating result€98k-€123k▲ 25.9%€135k▲ 9.9%€113k▼ 16.5%€111k▼ 1.9%
2021: €98klowest in 5 years
2022: €123k▲ +25.9% vs 2021
2023: €135k▲ +9.9% vs 2022highest in 5 years
2024: €113k▼ -16.5% vs 2023
2025: €111k▼ -1.9% vs 2024
Net result€80k-€100k▲ 25.1%€108k▲ 8.7%€94k▼ 13.5%€93k▼ 0.7%
2021: €80klowest in 5 years
2022: €100k▲ +25.1% vs 2021
2023: €108k▲ +8.7% vs 2022highest in 5 years
2024: €94k▼ -13.5% vs 2023
2025: €93k▼ -0.7% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 2% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €128k
Fixed assets
€4k ▼ 46.4%
Current assets
€124k ▼ 43.4%
Equity and liabilities €128k
Equity
€22k ▲ 5.5%
Debt
€106k ▼ 48.4%
Debt's share of the balance-sheet total falls from 91.0% to 83.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€114k▼
2024 · €117k
Cash flow
€97k▼
2024 · €98k
Current ratio
1.16▲
2024 · 1.06
Debt to equity
4.92▼
2024 · 10.06
ROE
431.4%▼
2024 · 458.3%
ROA
72.8%▲
2024 · 41.4%
Interest coverage
33944.45▲
2024 · 2062.54
Debt ≤ 1 year
€106k▼
2024 · €206k
Income taxes
€26k▼
2024 · €26k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€226k€128k▼
Formation expenses20-€0
Fixed assets21/28€8k€4k▼
Tangible fixed assets22/27€8k€4k▼
Plant, machinery and equipment23-€0
Furniture and vehicles24€7k€3k▼
Other tangible fixed assets26€1k€1k▼
Current assets29/58€218k€124k▼
Amounts receivable within one year40/41€160k€105k▼
Trade receivables40€16k€22k▲
Other amounts receivable41€145k€83k▼
Cash at bank and in hand54/58€56k€18k▼
Deferred charges and accrued income490/1€3k€564▼
Equity and liabilities
Total equity and liabilities10/49€226k€128k▼
Equity10/15€20k€22k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€0€1k▲
Amounts payable17/49€206k€106k▼
Amounts payable within one year42/48€206k€106k▼
Trade debts44€141€3k▲
Suppliers440/4€141€3k▲
Taxes, remuneration and social security45€4k€12k▲
Taxes450/3€4k€12k▲
Other amounts payable47/48€202k€92k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k=
Other operating charges640/8€704€673▼
Gross operating margin9900€117k€115k▼
Operating profit (loss)9901€113k€111k▼
Financial income75/76B€7k€8k▲
Recurring financial income75€7k€8k▲
Financial charges65/66B€57€3▼
Recurring financial charges65€57€3▼
Profit (loss) for the period before taxes9903€120k€119k▼
Income taxes67/77€26k€26k▼
Profit (loss) for the period9904€94k€93k▼
Profit (loss) for the period to be appropriated9905€94k€93k▼
Appropriation of the result
Profit (loss) to be appropriated9906€202k€93k▼
Profit (loss) brought forward from the previous period14P€108k-
Profit to be distributed694/7€202k€92k▼
Return on contributions (dividend)694€202k€92k▼
The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €931 | €850 | €916 | €4k | €4k | = |
| Other operating charges640/8 | €1k | €4k | €1k | €704 | €673 | ▼ 4.5% |
| Gross operating margin9900 | €100k | €128k | €137k | €117k | €115k | ▼ 1.9% |
| Operating profit (loss)9901 | €98k | €123k | €135k | €113k | €111k | ▼ 1.9% |
| Financial income75/76B | €4k | €5k | €5k | €7k | €8k | ▲ 16.6% |
| Recurring financial income75 | €4k | €5k | €5k | €7k | €8k | ▲ 16.6% |
| Financial charges65/66B | €541 | €553 | €256 | €57 | €3 | ▼ 94.0% |
| Recurring financial charges65 | €541 | €553 | €256 | €57 | €3 | ▼ 94.0% |
| Profit (loss) for the period before taxes9903 | €101k | €128k | €140k | €120k | €119k | ▼ 0.8% |
| Income taxes67/77 | €22k | €28k | €32k | €26k | €26k | ▼ 1.1% |
| Profit (loss) for the period9904 | €80k | €100k | €108k | €94k | €93k | ▼ 0.7% |
| Profit (loss) for the period to be appropriated9905 | €80k | €100k | €108k | €94k | €93k | ▼ 0.7% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €118k | €139k | €161k | €226k | €128k | ▼ 43.5% |
| Formation expenses20 | - | - | - | - | €0 | - |
| Fixed assets21/28 | €2k | €3k | €12k | €8k | €4k | ▼ 46.4% |
| Tangible fixed assets22/27 | €2k | €3k | €12k | €8k | €4k | ▼ 46.4% |
| Plant, machinery and equipment23 | €505 | €253 | - | - | €0 | - |
| Furniture and vehicles24 | €2k | €1k | €10k | €7k | €3k | ▼ 52.2% |
| Other tangible fixed assets26 | - | €2k | €1k | €1k | €1k | ▼ 14.0% |
| Current assets29/58 | €116k | €136k | €149k | €218k | €124k | ▼ 43.4% |
| Amounts receivable within one year40/41 | €91k | €80k | €120k | €160k | €105k | ▼ 34.5% |
| Trade receivables40 | €17k | €40k | €43k | €16k | €22k | ▲ 41.2% |
| Other amounts receivable41 | €74k | €40k | €77k | €145k | €83k | ▼ 42.6% |
| Cash at bank and in hand54/58 | €22k | €53k | €27k | €56k | €18k | ▼ 67.4% |
| Deferred charges and accrued income490/1 | €3k | €3k | €2k | €3k | €564 | ▼ 77.7% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €118k | €139k | €161k | €226k | €128k | ▼ 43.5% |
| Equity10/15 | €20k | €20k | €129k | €20k | €22k | ▲ 5.5% |
| Contributions10/11 | €19k | €19k | €19k | €19k | €19k | = |
| Reserves13 | €2k | €2k | €2k | €2k | €2k | = |
| Non-distributable reserves130/1 | €2k | €2k | €2k | €2k | €2k | = |
| Reserves not available under the articles1311 | €2k | €2k | €2k | €2k | €2k | = |
| Profit (loss) carried forward14 | - | - | €108k | €0 | €1k | - |
| Amounts payable17/49 | €98k | €119k | €32k | €206k | €106k | ▼ 48.4% |
| Amounts payable within one year42/48 | €98k | €119k | €31k | €206k | €106k | ▼ 48.4% |
| Trade debts44 | €3k | €1k | €11k | €141 | €3k | ▲ 1,798% |
| Suppliers440/4 | €3k | €1k | €11k | €141 | €3k | ▲ 1,798% |
| Taxes, remuneration and social security45 | €15k | €18k | €21k | €4k | €12k | ▲ 220% |
| Taxes450/3 | €15k | €18k | €21k | €4k | €12k | ▲ 220% |
| Other amounts payable47/48 | €80k | €100k | €0 | €202k | €92k | ▼ 54.5% |
| Accrued charges and deferred income492/3 | - | - | €393 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €80k | €100k | €108k | €94k | €93k | ▼ 0.7% |
| + Depreciation and write-downs630 | €931 | €850 | €916 | €4k | €4k | = |
| Operating cash flow (approximation) | €81k | €101k | €109k | €98k | €97k | ▼ 0.7% |
| Investment in fixed assets (approximation) | - | €-2k | €-10k | €0 | €0 | - |
| Change in cash | - | €31k | €-26k | €29k | €-38k | ▼ 229% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Highest result since 2018net €108k ▲8.7%
Operating result €135k, net result €108k, both a record.
31-12
Financial
Liquidity quadruplescurrent ratio 4.73
Current ratio from 1.15 to 4.73; short-term debt falls from €119k to €31k.
31-12
Financial
Equity above €100kEq €129k ▲530%
6 profitable years in a row build equity to €129k.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
23-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 84 days late
2019
31-12
Financial
Weakest financial yearnet €61k ▼4.7%
Net result drops to €61k, the lowest in the series; recovery starts the following year.
22-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 22 days late
2018
25-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 25 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
2 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Lasne · 1 establishment unit since 2015
Ground area
2,562 m²
Building footprint
312 m²
Volume, LiDAR
2,025 m³
2 parcels, Wallonia · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Rue aux Fleurs 21, 1380 Lasne
since 20152.239.627.654
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25076A0219/00B000 | Wallonia | 1,952 m² | 1 · 189 m² | 8.6 m · 2 fl. |
| 25076A0225/00C000 | Wallonia | 610 m² | 1 · 122 m² | 7.8 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
SERDICONSULT
BE 0889.417.447
Rixensart · Eq €21,591
DATA WIZARDS
BE 0741.959.334
Sint-Pieters-Woluwe · Eq €21,591
RIA FORMOSA Ventures
BE 0633.561.339
Sint-Katelijne-Waver · Eq €21,588
ConsultFin
BE 0778.986.610
Ganshoren · Eq €21,584
JVR Consulting
BE 0768.827.740
Antwerpen · Eq €21,597
Of 82,553 companies in sector 70200 we hold annual accounts for 52,585. 31,397 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded05-02-2015
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
Scores and ratios are computed by Checked and are not a credit decision.