CROSSOVER
ActiveSummary
CROSSOVER has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €360k and a net result of €71k. Equity is growing by ~6.9% per year across the filed fiscal years. Its solvency ranks better than 75% of 31791 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
93
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability88▲+3
Solvency100▲+5
Growth58=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 9.23 against 6.16 in 2024; short-term debt: 7.5% and cash: 30.9% of total assets), and 20.8% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
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
79.2%
Return on assets
15.7%
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 12-02-2026, 77 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
77 d early
2024
34 d early
2023
104 d early
2022
101 d early
2021
75 d early
2020
71 d early
2019
35 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€360k▲ 24.7%
2024 · €288k
2018: €382k
2019: €205k
2020: €161k
2021: €234k
2022: €306k
2023: €246k
2024: €288k
2018 → 2025
Total assets
€454k▲ 10.2%
2024 · €412k
2018: €517k
2019: €379k
2020: €330k
2021: €399k
2022: €449k
2023: €371k
2024: €412k
2018 → 2025
Net result
€71k▼ 9.3%
2024 · €78k
2018: €18k
2019: €3k
2020: €-44k
2021: €73k
2022: €73k
2023: €69k
2024: €78k
2018 → 2025
Working capital
€281k▲ 17.2%
2024 · €240k
2018: €382k
2019: €217k
2020: €155k
2021: €216k
2022: €278k
2023: €210k
2024: €240k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€234k-€306k▲ 31.1%€246k▼ 19.7%€288k▲ 17.2%€360k▲ 24.7%
Operating result€94k-€116k▲ 22.4%€94k▼ 18.5%€103k▲ 9.5%€101k▼ 2.0%
Net result€73k-€73k▼ 0.2%€69k▼ 4.6%€78k▲ 13.3%€71k▼ 9.3%
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 2% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €454k
Fixed assets
€139k ▲ 10.4%
Current assets
€315k ▲ 10.1%
Equity and liabilities €454k
Equity
€360k ▲ 24.7%
Debt
€94k ▼ 23.7%
Debt's share of the balance-sheet total falls from 30.0% to 20.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€116k▲
2024 · €113k
Cash flow
€86k▼
2024 · €88k
Current ratio
9.23▲
2024 · 6.16
Debt to equity
0.26▼
2024 · 0.43
ROE
19.8%▼
2024 · 27.2%
ROA
15.7%▼
2024 · 19.1%
Interest coverage
45.53▲
2024 · -26.82
Debt ≤ 1 year
€34k▼
2024 · €46k
Debt > 1 year
€60k▼
2024 · €77k
Income taxes
€28k▼
2024 · €30k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€412k€454k▲
Fixed assets21/28€126k€139k▲
Tangible fixed assets22/27€126k€139k▲
Land and buildings22€120k€113k▼
Plant, machinery and equipment23€0-
Furniture and vehicles24€6k€26k▲
Current assets29/58€286k€315k▲
Amounts receivable within one year40/41€59k€24k▼
Trade receivables40€48k€19k▼
Other amounts receivable41€12k€5k▼
Current investments50/53€50k€150k▲
Cash at bank and in hand54/58€176k€140k▼
Deferred charges and accrued income490/1€1k€631▼
Equity and liabilities
Total equity and liabilities10/49€412k€454k▲
Equity10/15€288k€360k▲
Contributions10/11€6k€6k=
Reserves13€282k€353k▲
Distributable reserves133€282k€353k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€124k€94k▼
Amounts payable after more than one year17€77k€60k▼
Financial debts170/4€77k€60k▼
Amounts payable within one year42/48€46k€34k▼
Current portion of amounts payable after more than one year42€17k€17k▲
Financial debts43€0€0▼
Credit institutions430/8€0€0▼
Trade debts44€8k€4k▼
Suppliers440/4€8k€4k▼
Taxes, remuneration and social security45€22k€13k▼
Taxes450/3€22k€13k▼
Income statement
Code20242025
Non-recurring operating income76A-€5k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€15k▲
Other operating charges640/8€2k€1k▼
Gross operating margin9900€114k€117k▲
Operating profit (loss)9901€103k€101k▼
Financial income75/76B€614€365▼
Recurring financial income75€614€365▼
Financial charges65/66B€-4k€3k▲
Recurring financial charges65€-4k€3k▲
Profit (loss) for the period before taxes9903€108k€99k▼
Income taxes67/77€30k€28k▼
Profit (loss) for the period9904€78k€71k▼
Profit (loss) for the period to be appropriated9905€78k€71k▼
Appropriation of the result
Profit (loss) to be appropriated9906€78k€71k▼
Transfer from equity791/2€36k€0▼
Transfer to equity691/2€78k€71k▼
To other reserves6921€78k€71k▼
Profit to be distributed694/7€36k€0▼
Return on contributions (dividend)694€36k€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
12-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
27-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Highest result since 2018net €78k ▲13.3%
Net result €78k, the highest in the series.
17-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
19-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
14-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Back to profitnet €73k
Net result €73k after one loss-making year.
30-09
Financial
Equity above €200kEq €234k ▲45.3%
Equity rises from €161k to €234k.
18-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Weakest financial yearnet €-44k
Net result drops to €-44k, the lowest in the series; recovery starts the following year.
26-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
01-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 62 days late
2018
18-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
20-04
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.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Gent · 1 establishment unit since 2005
Ground area
80 m²
Building footprint
79 m²
Volume, LiDAR
1,085 m³
Parcel 44806F0554/00T002, Flanders · tallest building 15.8 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
CROSSOVER
since 20052.149.223.753
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44806F0554/00T002 | Flanders | 80 m² | 1 · 79 m² | 15.8 m · 4 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
LISIMO
BE 0650.991.843
Diksmuide · Eq €359,578
SECO - INVEST
BE 0431.270.908
Wavre · Eq €359,534
STANCE CONSULTING
BE 0844.093.604
Aalter · Eq €359,533
VMS CAPITAL HOLDING
BE 0668.570.520
Neupré · Eq €359,526
Compass Creations
BE 0797.329.805
Destelbergen · Eq €359,526
Of 82,553 companies in sector 70200 we hold annual accounts for 52,585. 37,068 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-09-2005
Fiscal year end30-09
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.