Crossing Finance
ActiveCrossing Finance has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €140k and a net result of €7k. Equity is growing by ~48% per year across the filed fiscal years. Its solvency ranks better than 75% of 3263 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
81
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▼-27
Solvency98▲+2
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 4.35 against 4.31 in 2024; short-term debt: 18.3% and cash: 9% of total assets), and 27.3% 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 69
Relative position
BE, all sectors
reference
Sector 69
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
72.7%
Return on assets
3.4%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 31-01-2026, 0 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
on the day
2024
2 d early
2023
on the day
2022
1 d early
2021
on the day
2020
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close17-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€140k▲ 4.9%
2024 · €133k
2021: €35k
2022: €36k
2023: €48k
2024: €133k
2021 → 2025
Total assets
€192k▲ 3.0%
2024 · €186k
2021: €117k
2022: €107k
2023: €106k
2024: €186k
2021 → 2025
Net result
€7k▼ 93.1%
2024 · €96k
2021: €22k
2022: €10k
2023: €12k
2024: €96k
2021 → 2025
Working capital
€118k▲ 4.7%
2024 · €112k
2021: €5k
2022: €8k
2023: €23k
2024: €112k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€35k-€36k▲ 0.4%€48k▲ 33.5%€133k▲ 180%€140k▲ 4.9%
Operating result€30k-€15k▼ 49.0%€21k▲ 39.0%€123k▲ 476%€7k▼ 94.0%
Net result€22k-€10k▼ 54.5%€12k▲ 17.5%€96k▲ 702%€7k▼ 93.1%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 94% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €192k
Fixed assets
€39k▼ 2.2%
Current assets
€153k▲ 4.4%
Equity and liabilities €192k
Equity
€140k▲ 4.9%
Debt
€52k▼ 1.9%
The debt ratio falls from 28.6% to 27.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€24k▼
2024 · €139k
Cash flow
€23k▼
2024 · €111k
Solvency
72.7%▲
2024 · 71.4%
Current ratio
4.35▲
2024 · 4.31
Quick ratio
4.35▲
2024 · 4.31
Debt / equity
0.37▼
2024 · 0.40
ROE
4.7%▼
2024 · 71.8%
ROA
3.4%▼
2024 · 51.3%
Interest coverage
12.95▼
2024 · 31.03
Debt
€52k▼
2024 · €53k
Debt ≤ 1 year
€35k▲
2024 · €34k
Debt > 1 year
€14k▼
2024 · €19k
Income taxes
€4k▼
2024 · €23k
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€186k€192k▲
Fixed assets21/28€40k€39k▼
Tangible fixed assets22/27€40k€39k▼
Plant, machinery and equipment23€11k€8k▼
Furniture and vehicles24€19k€25k▲
Other tangible fixed assets26€9k€6k▼
Current assets29/58€146k€153k▲
Amounts receivable within one year40/41€118k€132k▲
Trade receivables40€13k€12k▼
Other amounts receivable41€105k€120k▲
Cash at bank and in hand54/58€24k€17k▼
Deferred charges and accrued income490/1€4k€4k▼
Equity and liabilities
Total equity and liabilities10/49€186k€192k▲
Equity10/15€133k€140k▲
Contributions10/11€6k€6k=
Reserves13-€7k
Distributable reserves133-€7k
Profit (loss) carried forward14€127k€127k=
Amounts payable17/49€53k€52k▼
Amounts payable after more than one year17€19k€14k▼
Financial debts170/4€19k€14k▼
Amounts payable within one year42/48€34k€35k▲
Current portion of amounts payable after more than one year42€10k€18k▲
Financial debts43€33€617▲
Credit institutions430/8€33€617▲
Trade debts44€7k€4k▼
Suppliers440/4€7k€4k▼
Taxes, remuneration and social security45€3k€2k▼
Taxes450/3€1k€500▼
Remuneration and social security454/9€2k€2k▲
Other amounts payable47/48€14k€10k▼
Accrued charges and deferred income492/3-€3k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€17k▲
Other operating charges640/8€3k€4k▲
Gross operating margin9900€142k€28k▼
Operating profit (loss)9901€123k€7k▼
Financial income75/76B€0€5k▲
Recurring financial income75€0€5k▲
Financial charges65/66B€4k€2k▼
Recurring financial charges65€4k€2k▼
Profit (loss) for the period before taxes9903€119k€10k▼
Income taxes67/77€23k€4k▼
Profit (loss) for the period9904€96k€7k▼
Profit (loss) for the period to be appropriated9905€96k€7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€137k€133k▼
Profit (loss) brought forward from the previous period14P€41k€127k▲
Transfer to equity691/2-€7k
To other reserves6921-€7k
Profit to be distributed694/7€10k€0▼
Directors or managers695€10k€0▼
The notes to these accounts (11 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
31-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-06
Financial
Weakest financial yearnet €7k ▼93.1%
Net result drops to €7k, the lowest in the series.
29-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-06
Financial
Highest result since 2021net €96k ▲702%
Operating result €123k, net result €96k, both a record.
30-06
Financial
Liquidity doublescurrent ratio 4.31
Current ratio from 1.82 to 4.31.
30-06
Financial
Equity above €100kEq €133k ▲180%
4 profitable years in a row build equity to €133k.
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Turnhout · 1 establishment unit since 2018
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.
Kempenlaan 342300 TurnhoutGround area
1,603 m²
Building footprint
226 m²
Volume, LiDAR
1,775 m³
Parcel 13453O0143/00X000, Flanders · tallest building 12.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Crossing Finance
since 20182.280.196.024
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13453O0143/00X000 | Flanders | 1,603 m² | 1 · 226 m² | 12.2 m · 3 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 12,173 companies in sector 69201 we hold annual accounts for 7,639. 6,531 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-10-2018
Fiscal year end30-06
Activities, NACEBEL
69201Certified accountants and tax accountants
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.