CROSSFLOW
ActiveCROSSFLOW has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €67k and a net result of €-1k. Equity is growing by ~34% per year across the filed fiscal years. Its solvency ranks better than 52% of 7955 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
60
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability53▼-19
Solvency71▼-9
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 1.7 against 1.97 in 2024; short-term debt: 53.6% and cash: 6.5% of total assets), but 53.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
46.1%
Return on assets
-1%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 20-04-2026, 10 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
10 d early
2024
36 d early
2023
109 d early
2022
86 d early
2021
17 d early
2020
1 d early
2019
30 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
19-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€67k▼ 2.2%
2024 · €69k
2018: €-42k
2019: €3k
2020: €18k
2021: €-14k
2022: €48k
2023: €65k
2024: €69k
2018 → 2025
Total assets
€146k▲ 15.8%
2024 · €126k
2018: €231k
2019: €182k
2020: €164k
2021: €169k
2022: €218k
2023: €223k
2024: €126k
2018 → 2025
Net result
€-1k
2024 · €4k
2018: €-55k
2019: €44k
2020: €15k
2021: €-32k
2022: €62k
2023: €17k
2024: €4k
2018 → 2025
Working capital
€55k▼ 0.6%
2024 · €56k
2018: €-72k
2019: €-12k
2020: €4k
2021: €-35k
2022: €36k
2023: €41k
2024: €56k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-14k-€48k€65k▲ 34.5%€69k▲ 5.7%€67k▼ 2.2%
Operating result€3k-€79k▲ 2,180%€28k▼ 64.7%€7k▼ 75.3%€-629
Net result€-32k-€62k€17k▼ 73.1%€4k▼ 77.7%€-1k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €629 after €7k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €146k
Fixed assets
€12k▼ 8.4%
Current assets
€134k▲ 18.7%
Equity and liabilities €146k
Equity
€67k▼ 2.2%
Debt
€79k▲ 37.2%
The debt ratio rises from 45.5% to 53.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€4k▼
2024 · €18k
Cash flow
€3k▼
2024 · €15k
Solvency
46.1%▼
2024 · 54.5%
Current ratio
1.70▼
2024 · 1.97
Quick ratio
1.70▼
2024 · 1.97
Debt / equity
1.17▲
2024 · 0.83
ROE
-2.2%▼
2024 · 5.4%
ROA
-1.0%▼
2024 · 3.0%
Interest coverage
4.32▼
2024 · 9.28
Debt
€79k▲
2024 · €57k
Debt ≤ 1 year
€78k▲
2024 · €57k
Income taxes
€0▼
2024 · €1k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€126k€146k▲
Fixed assets21/28€14k€12k▼
Intangible fixed assets21€14k€12k▼
Current assets29/58€113k€134k▲
Stocks and contracts in progress3€0-
Stocks30/36€0-
Amounts receivable within one year40/41€112k€124k▲
Trade receivables40€109k€120k▲
Other amounts receivable41€4k€4k▲
Cash at bank and in hand54/58-€10k
Deferred charges and accrued income490/1€256€295▲
Equity and liabilities
Total equity and liabilities10/49€126k€146k▲
Equity10/15€69k€67k▼
Contributions10/11€19k€19k=
Reserves13€50k€49k▼
Distributable reserves133€50k€49k▼
Amounts payable17/49€57k€79k▲
Amounts payable within one year42/48€57k€78k▲
Financial debts43€10k€0▼
Credit institutions430/8€10k€0▼
Trade debts44€28k€75k▲
Suppliers440/4€28k€75k▲
Taxes, remuneration and social security45€9k€3k▼
Taxes450/3€9k€3k▼
Other amounts payable47/48€10k€0▼
Accrued charges and deferred income492/3€387€400▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€5k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-679€9k▲
Other operating charges640/8€568€544▼
Gross operating margin9900€18k€14k▼
Operating profit (loss)9901€7k€-629▼
Financial income75/76B€80€139▲
Recurring financial income75€80€139▲
Financial charges65/66B€2k€992▼
Recurring financial charges65€2k€992▼
Profit (loss) for the period before taxes9903€5k€-1k▼
Income taxes67/77€1k€0▼
Profit (loss) for the period9904€4k€-1k▼
Profit (loss) for the period to be appropriated9905€4k€-1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€4k€-1k▼
Transfer from equity791/2-€1k
Transfer to equity691/2€4k€0▼
To other reserves6921€4k€0▼
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
20-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
25-03
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
12-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
03-02
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-09
Financial
Back to profitnet €62k
Net result €62k after one loss-making year.
13-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Back to profitnet €44k
Net result €44k after one loss-making year.
06-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 6 days late
2018
29-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Kruisem · 1 establishment unit since 2022
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Stokstraat(KRU) 269770 KruisemGround area
5,087 m²
Building footprint
767 m²
Volume, LiDAR
4,847 m³
Parcel 45017C0052/00F000, Flanders · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Crossflow
since 20222.330.014.036
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45017C0052/00F000 | Flanders | 5,087 m² | 1 · 767 m² | 7.7 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel 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
FM SALES
BE 0728.598.375
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B.Q.M.C.
BE 0758.604.039
Hechtel-Eksel · Eq €68k
OOLLIN
BE 0462.221.925
Brussel · Eq €67k
ABUEADA
BE 0793.609.260
Schoten · Eq €68k
CREATIVE COMPOSITE SOLUTIONS
BE 0448.812.961
Hasselt · Eq €68k
Of 4,426 companies in sector 46180 we hold annual accounts for 1,886. 1,391 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-05-2013
Fiscal year end30-09
Activities, NACEBEL
46180Agents specialised in the wholesale of other particular products
43222Installation of electric heating, air conditioning, cooling and ventilation
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.