CROSSHEAD
ActiveCROSSHEAD has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3k and a net result of €50k. Equity remains stable across the filed fiscal years (±1.2% per year). Its solvency ranks better than 10% of 16932 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency7=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.72 against 0.72 in 2024), and 96.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
3.1%
Return on assets
59.7%
Age of the figures
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 16932 sector peers (2025).
NBB · sector comparisonPosition among 16932 sector peers
Solvency
better than 10%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-07-2026, 0 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
on the day
2024
76 d early
2023
118 d early
2022
2 d early
2021
16 d late
2020
31 d late
← before the deadline
after the deadline →
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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€3k▲ 2.4%
2024 · €3k
2020: €2k
2021: €27k
2022: €94k
2023: €3k
2024: €3k
2020 → 2025
Total assets
€84k▼ 20.0%
2024 · €105k
2020: €8k
2021: €44k
2022: €134k
2023: €83k
2024: €105k
2020 → 2025
Net result
€50k▼ 42.5%
2024 · €87k
2020: €-824
2021: €25k
2022: €67k
2023: €74k
2024: €87k
2020 → 2025
Working capital
€-23k▲ 20.2%
2024 · €-29k
2020: €548
2021: €25k
2022: €88k
2023: €-28k
2024: €-29k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€27k-€94k▲ 249%€3k▼ 97.3%€3k=€3k▲ 2.4%
Operating result€36k-€92k▲ 158%€104k▲ 13.6%€108k▲ 3.4%€77k▼ 29.1%
Net result€25k-€67k▲ 165%€74k▲ 10.6%€87k▲ 17.2%€50k▼ 42.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 29% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €84k
Fixed assets
€25k▼ 18.4%
Current assets
€58k▼ 20.6%
Equity and liabilities €84k
Equity
€3k▲ 2.4%
Debt
€81k▼ 20.5%
The debt ratio falls from 97.6% to 96.9%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€86k▼
2024 · €116k
Cash flow
€60k▼
2024 · €95k
Solvency
3.1%▲
2024 · 2.4%
Current ratio
0.72▼
2024 · 0.72
Quick ratio
0.72▼
2024 · 0.72
Debt / equity
31.77▼
2024 · 40.93
ROA
59.7%▼
2024 · 83.1%
Interest coverage
9.15▼
2024 · 25.47
Debt
€81k▼
2024 · €102k
Debt ≤ 1 year
€81k▼
2024 · €102k
Income taxes
€18k▲
2024 · €16k
A ratio outside any meaningful range has been withheld (balance sheet total €84k, equity €3k).
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€105k€84k▼
Fixed assets21/28€31k€25k▼
Tangible fixed assets22/27€31k€23k▼
Plant, machinery and equipment23-€1k
Furniture and vehicles24€24k€16k▼
Other tangible fixed assets26€7k€5k▼
Financial fixed assets28-€3k
Current assets29/58€74k€58k▼
Amounts receivable within one year40/41€18k€7k▼
Trade receivables40€13k€0▼
Other amounts receivable41€4k€7k▲
Cash at bank and in hand54/58€54k€35k▼
Deferred charges and accrued income490/1€2k€16k▲
Equity and liabilities
Total equity and liabilities10/49€105k€84k▼
Equity10/15€3k€3k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14€0€60▲
Amounts payable17/49€102k€81k▼
Amounts payable within one year42/48€102k€81k▼
Trade debts44€12k€2k▼
Suppliers440/4€12k€2k▼
Taxes, remuneration and social security45€2k€20k▲
Taxes450/3€450€10k▲
Remuneration and social security454/9€1k€10k▲
Other amounts payable47/48€88k€59k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€10k▲
Other operating charges640/8€181€927▲
Gross operating margin9900€116k€87k▼
Operating profit (loss)9901€108k€77k▼
Financial income75/76B€225€908▲
Recurring financial income75€225€908▲
Financial charges65/66B€5k€9k▲
Recurring financial charges65€5k€9k▲
Profit (loss) for the period before taxes9903€104k€68k▼
Income taxes67/77€16k€18k▲
Profit (loss) for the period9904€87k€50k▼
Profit (loss) for the period to be appropriated9905€87k€50k▼
Appropriation of the result
Profit (loss) to be appropriated9906€87k€50k▼
Transfer from equity791/2€0-
Profit to be distributed694/7€87k€50k▼
Return on contributions (dividend)694€65k€50k▼
Directors or managers695€22k€0▼
The notes to these accounts (9 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
16-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2020net €87k ▲17.2%
Operating result €108k, net result €87k, both a record.
04-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
16-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 16 days late
2021
31-12
Financial
Back to profitnet €25k
Net result €25k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 2.57
Current ratio from 1.18 to 2.57.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Geel · 1 establishment unit since 2020
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.
Zandhoefstraat 552440 GeelGround area
1,958 m²
Building footprint
207 m²
Volume, LiDAR
1,084 m³
Parcel 13374F0369/00X000, Flanders · tallest building 10.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CROSSHEAD
since 20202.302.778.614
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13374F0369/00X000 | Flanders | 1,958 m² | 1 · 207 m² | 10.3 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.
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Of 16,811 companies in sector 62100 we hold annual accounts for 8,750. 1,972 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-05-2020
Fiscal year end31-12
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
47120Other non-specialised retail sale
47910Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.