Crossing Consulting
ActiveSummary
Crossing Consulting has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €59k and a net result of €19k. Equity is shrinking by ~9.2% per year across the filed fiscal years. Its solvency ranks better than 46% of 17043 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
88
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability91▼-6
Solvency81▲+6
Growth22=
Track record94
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 2.18 against 1.93 in 2024; short-term debt: 44.1% and cash: 66.2% of total assets), and 44.1% 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
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
55.9%
Return on assets
18.2%
Age of the figures
9 mo
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 · 4 filingsDeviation from the deadline
2025
31 d late
2024
98 d early
2023
51 d early
2022
49 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€159k▲ 3.9%
2023 · €153k
2022: €253k
2023: €153k
2022 → 2024
EBIT margin
22.2%▲ 12.9pp
2023 · 9.3%
2022: 38.6%
2023: 9.3%
2022 → 2024
Net result
€19k▼ 30.8%
2024 · €27k
2022: €78k
2023: €14k
2024: €27k
2022 → 2025
Working capital
€54k▼ 10.0%
2024 · €60k
2022: €69k
2023: €79k
2024: €60k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Turnover€253k-€153k▼ 39.6%€159k▲ 3.9%
Equity€78k-€85k▲ 9.6%€65k▼ 23.0%€59k▼ 10.5%
Operating result€98k-€14k▼ 85.4%€35k▲ 147%€33k▼ 7.2%
Net result€78k-€14k▼ 82.3%€27k▲ 100%€19k▼ 30.8%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 7% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €105k
Fixed assets
€4k ▼ 16.5%
Current assets
€101k ▼ 20.0%
Equity and liabilities €105k
Equity
€59k ▼ 10.5%
Debt
€46k ▼ 29.4%
The debt ratio falls from 50.0% to 44.1%. Equity and debt are lower.
Key figures and ratios
EBITDA
€36k▼
2024 · €38k
Cash flow
€22k▼
2024 · €30k
Current ratio
2.18▲
2024 · 1.93
Debt / equity
0.79▼
2024 · 1.00
ROE
32.5%▼
2024 · 42.0%
ROA
18.2%▼
2024 · 21.0%
Interest coverage
67.49▼
2024 · 129.96
Debt ≤ 1 year
€46k▼
2024 · €65k
Income taxes
€13k▲
2024 · €8k
Staff costs
€5k▼
2024 · €7k
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 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€131k€105k▼
Fixed assets21/28€5k€4k▼
Tangible fixed assets22/27€5k€4k▼
Furniture and vehicles24€5k€4k▼
Current assets29/58€126k€101k▼
Amounts receivable within one year40/41€26k€23k▼
Trade receivables40€18k€16k▼
Other amounts receivable41€7k€7k▼
Cash at bank and in hand54/58€85k€69k▼
Deferred charges and accrued income490/1€15k€9k▼
Equity and liabilities
Total equity and liabilities10/49€131k€105k▼
Equity10/15€65k€59k▼
Profit (loss) carried forward14€65k€59k▼
Amounts payable17/49€65k€46k▼
Amounts payable within one year42/48€65k€46k▼
Trade debts44-€1k
Suppliers440/4-€1k
Taxes, remuneration and social security45€18k€23k▲
Taxes450/3€17k€23k▲
Remuneration and social security454/9€992-
Other amounts payable47/48€47k€22k▼
Income statement
Code20242025
Turnover70€159k-
Goods, raw materials, services and sundry goods60/61€113k-
Remuneration, social security and pensions62€7k€5k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▼
Other operating charges640/8€722€1k▲
Gross operating margin9900€46k€42k▼
Operating profit (loss)9901€35k€33k▼
Financial income75/76B€220€289▲
Recurring financial income75€220€289▲
Financial charges65/66B€294€527▲
Recurring financial charges65€294€527▲
Profit (loss) for the period before taxes9903€35k€33k▼
Income taxes67/77€8k€13k▲
Profit (loss) for the period9904€27k€19k▼
Profit (loss) for the period to be appropriated9905€27k€19k▼
Appropriation of the result
Profit (loss) to be appropriated9906€112k€84k▼
Profit (loss) brought forward from the previous period14P€85k€65k▼
Transfer to equity691/2€47k-
To contributions691€47k-
Profit to be distributed694/7-€26k
Return on contributions (dividend)694-€26k
The notes to these accounts (4 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
24-04
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
10-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Weakest financial yearnet €14k ▼82.3%
Net result drops to €14k, the lowest in the series; recovery starts the following year.
18-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 49 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, Fosses-la-Ville · 1 establishment unit since 2021
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.
Rue des Forges 455070 Fosses-la-VilleGround area
95 m²
Parcel 92048E0473/00_000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Rue des Forges 45, 5070 Fosses-la-Ville
since 20212.322.825.940
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92048E0473/00_000 | Wallonia | 95 m² | - | - |
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 3,211 companies in sector 62900 we hold annual accounts for 1,741. 1,368 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formGeneral partnership
Founded13-09-2021
Fiscal year end31-12
Activities, NACEBEL
62900Other information technology and computer services
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.