CROSSLAW
ActiveCROSSLAW has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €33k and a net result of €1k. Equity is growing by ~5.2% per year across the filed fiscal years. Its solvency ranks better than 26% of 12627 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
71
/ 100
Healthy▲ +10 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability21▼-15
Solvency48▲+21
Growth52=
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity tight (current ratio 1.27 against 1.17 in 2024), and 72.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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
27.6%
Return on assets
1.1%
Age of the figures
8 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 · 7 filingsDeviation from the deadline
2025
31 d late
2024
17 d early
2023
3 d early
2022
31 d late
2021
2 d early
2020
30 d early
2019
19 d early
← 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€33k▲ 4.3%
2024 · €32k
2019: €24k
2020: €26k
2021: €29k
2022: €29k
2023: €30k
2024: €32k
2019 → 2025
Total assets
€121k▼ 33.4%
2024 · €181k
2019: €243k
2020: €205k
2021: €144k
2022: €136k
2023: €131k
2024: €181k
2019 → 2025
Net result
€1k▼ 40.5%
2024 · €2k
2019: €5k
2020: €2k
2021: €3k
2022: €659
2023: €452
2024: €2k
2019 → 2025
Working capital
€24k▼ 6.4%
2024 · €25k
2019: €19k
2020: €23k
2021: €20k
2022: €22k
2023: €23k
2024: €25k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€29k-€29k▲ 2.3%€30k▲ 1.5%€32k▲ 7.8%€33k▲ 4.3%
Operating result€5k-€2k▼ 61.3%€1k▼ 25.3%€3k▲ 121%€2k▼ 35.9%
Net result€3k-€659▼ 76.1%€452▼ 31.4%€2k▲ 412%€1k▼ 40.5%
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 36% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €121k
Fixed assets
€10k▲ 45.8%
Current assets
€111k▼ 36.4%
Equity and liabilities €121k
Equity
€33k▲ 4.3%
Debt
€88k▼ 41.5%
The debt ratio falls from 82.4% to 72.4%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€2k
Cash flow
€2k
Solvency
27.6%▲
2024 · 17.6%
Current ratio
1.27▲
2024 · 1.17
Quick ratio
1.27▲
2024 · 1.17
Debt / equity
2.63▼
2024 · 4.68
ROE
4.1%▼
2024 · 7.2%
ROA
1.1%▼
2024 · 1.3%
Interest coverage
15.36
Debt
€88k▼
2024 · €150k
Debt ≤ 1 year
€88k▼
2024 · €150k
Income taxes
€839▲
2024 · €480
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€181k€121k▼
Fixed assets21/28€7k€10k▲
Tangible fixed assets22/27-€3k
Furniture and vehicles24-€3k
Financial fixed assets28€7k€7k=
Current assets29/58€175k€111k▼
Amounts receivable within one year40/41€38k€36k▼
Trade receivables40€37k€36k▼
Other amounts receivable41€1k€614▼
Cash at bank and in hand54/58€133k€73k▼
Deferred charges and accrued income490/1€4k€2k▼
Equity and liabilities
Total equity and liabilities10/49€181k€121k▼
Equity10/15€32k€33k▲
Contributions10/11€19k€19k=
Profit (loss) carried forward14€13k€15k▲
Amounts payable17/49€150k€88k▼
Amounts payable within one year42/48€150k€88k▼
Trade debts44€56k€29k▼
Suppliers440/4€56k€29k▼
Taxes, remuneration and social security45€11k€5k▼
Taxes450/3€11k€5k▼
Other amounts payable47/48€83k€54k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€351
Other operating charges640/8€1k€465▼
Gross operating margin9900€4k€3k▼
Operating profit (loss)9901€3k€2k▼
Financial income75/76B€75€322▲
Recurring financial income75€75€322▲
Financial charges65/66B€483€156▼
Recurring financial charges65€483€156▼
Profit (loss) for the period before taxes9903€3k€2k▼
Income taxes67/77€480€839▲
Profit (loss) for the period9904€2k€1k▼
Profit (loss) for the period to be appropriated9905€2k€1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€13k€15k▲
Profit (loss) brought forward from the previous period14P€11k€13k▲
The notes to these accounts (6 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
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €452 ▼31.4%
Net result drops to €452, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
01-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
12-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
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, Anderlecht · 2 establishment units 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.
Lennikse Baan 4511070 AnderlechtGround area
2.8 ha
Building footprint
4,460 m²
Volume, LiDAR
65,664 m³
2 parcels, Brussels, Flanders · tallest building 20.6 m, ±5 floors. Linked by address, not a title deed.
2 establishment units
CROSSLAW
since 20182.281.389.916
CROSSLAW
since 20182.281.390.015
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21307F0126/00G000 | Brussels | 2.4 ha | 1 · 4,149 m² | 20.6 m · 5 fl. |
| 34042C0063/00E000 | Flanders | 3,621 m² | 1 · 312 m² | 7.9 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 22,018 companies in sector 69101 we hold annual accounts for 9,028. 6,792 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-10-2018
Fiscal year end31-12
Activities, NACEBEL
69101Activities of lawyers
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.