CROSSROADS J.S.
ActiveCROSSROADS J.S. has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €75k and a net result of €35k. Equity is growing by ~28.6% per year across the filed fiscal years. Its solvency ranks better than 71% of 11297 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency93▼-2
Growth78=
Track record94
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 3.04 against 3.67 in 2024; short-term debt: 30.3% and cash: 53.1% of total assets), and 32.4% 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
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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
67.6%
Return on assets
31.7%
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 30-04-2026, 0 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
on the day
2024
2 d early
2023
26 d early
2022
3 d early
2021
4 d early
← before the deadline
after the deadline →
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
21-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€75k▲ 6.9%
2024 · €70k
2021: €1k
2022: €17k
2023: €66k
2024: €70k
2021 → 2025
Total assets
€111k▲ 10.5%
2024 · €100k
2021: €11k
2022: €60k
2023: €98k
2024: €100k
2021 → 2025
Net result
€35k▼ 11.5%
2024 · €40k
2021: €-4k
2022: €16k
2023: €48k
2024: €40k
2021 → 2025
Working capital
€69k▲ 19.6%
2024 · €57k
2021: €-8k
2022: €-5k
2023: €46k
2024: €57k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1k-€17k▲ 1,114%€66k▲ 279%€70k▲ 6.6%€75k▲ 6.9%
Operating result€-4k-€21k€64k▲ 203%€54k▼ 15.9%€44k▼ 18.3%
Net result€-4k-€16k€48k▲ 204%€40k▼ 18.0%€35k▼ 11.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 18% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €111k
Fixed assets
€9k▼ 59.9%
Current assets
€102k▲ 29.5%
Equity and liabilities €111k
Equity
€75k▲ 6.9%
Debt
€36k▲ 18.9%
The debt ratio rises from 30.1% to 32.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€58k▼
2024 · €68k
Cash flow
€49k▼
2024 · €54k
Solvency
67.6%▼
2024 · 69.9%
Current ratio
3.04▼
2024 · 3.67
Quick ratio
3.04▼
2024 · 3.67
Debt / equity
0.48▲
2024 · 0.43
ROE
46.9%▼
2024 · 56.6%
ROA
31.7%▼
2024 · 39.6%
Interest coverage
22.48▼
2024 · 143.49
Debt
€36k▲
2024 · €30k
Debt ≤ 1 year
€34k▲
2024 · €22k
Debt > 1 year
€2k▼
2024 · €9k
Income taxes
€8k▼
2024 · €14k
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€100k€111k▲
Fixed assets21/28€21k€9k▼
Tangible fixed assets22/27€21k€9k▼
Plant, machinery and equipment23€834€524▼
Furniture and vehicles24€14k€3k▼
Other tangible fixed assets26€6k€5k▼
Current assets29/58€79k€102k▲
Amounts receivable within one year40/41€29k€43k▲
Trade receivables40€16k€19k▲
Other amounts receivable41€13k€25k▲
Cash at bank and in hand54/58€49k€59k▲
Deferred charges and accrued income490/1€1k-
Equity and liabilities
Total equity and liabilities10/49€100k€111k▲
Equity10/15€70k€75k▲
Contributions10/11€5k€5k=
Outside capital11€5k€5k=
Other1109/19€5k€5k=
Profit (loss) carried forward14€65k€70k▲
Amounts payable17/49€30k€36k▲
Amounts payable after more than one year17€9k€2k▼
Financial debts170/4€9k€2k▼
Amounts payable within one year42/48€22k€34k▲
Current portion of amounts payable after more than one year42€7k€7k▼
Trade debts44-€636
Suppliers440/4-€636
Taxes, remuneration and social security45€14k€11k▼
Taxes450/3€14k€11k▼
Other amounts payable47/48-€15k
Income statement
Code20242025
Goods, raw materials, services and sundry goods60/61€92k€106k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€14k▼
Other operating charges640/8€888€596▼
Gross operating margin9900€69k€59k▼
Operating profit (loss)9901€54k€44k▼
Financial income75/76B€2€2k▲
Recurring financial income75€2€2k▲
Financial charges65/66B€474€3k▲
Recurring financial charges65€474€3k▲
Profit (loss) for the period before taxes9903€53k€43k▼
Income taxes67/77€14k€8k▼
Profit (loss) for the period9904€40k€35k▼
Profit (loss) for the period to be appropriated9905€40k€35k▼
Appropriation of the result
Profit (loss) to be appropriated9906€100k€100k▼
Profit (loss) brought forward from the previous period14P€61k€65k▲
Profit to be distributed694/7€35k€30k▼
Return on contributions (dividend)694€35k€15k▼
Directors or managers695-€15k
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
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
28-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
04-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Highest result since 2021net €48k ▲204%
Operating result €64k, net result €48k, both a record.
30-09
Financial
Liquidity times 5current ratio 3.85
Current ratio from 0.78 to 3.85; short-term debt falls from €20k to €16k.
27-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Back to profitnet €16k
Net result €16k after one loss-making year.
26-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro 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, 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.
Laarsveld 432440 GeelGround area
423 m²
Building footprint
93 m²
Volume, LiDAR
576 m³
Parcel 13008H1341/00D002, Flanders · tallest building 8.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CROSSROADS J.S.
since 20202.309.427.864
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13008H1341/00D002 | Flanders | 423 m² | 1 · 93 m² | 8.1 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.
Recognitions · licences · registrations
Legal Entity Identifier
9845004B47A3DB00EA36
Similar companies · same sector, comparable size
P.L. SALES
BE 0445.775.475
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BULTIM
BE 0792.691.225
Waterloo · Eq €75k
B SMART-TRADE
BE 0823.986.393
Bilzen-Hoeselt · Eq €75k
VERCONSULT
BE 0444.195.266
Keerbergen · Eq €75k
EUROPE SALES CONSULTING
BE 0887.079.549
Frasnes-lez-Anvaing · Eq €75k
Of 6,155 companies in sector 46190 we hold annual accounts for 2,570. 1,962 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-10-2020
Fiscal year end30-09
Activities, NACEBEL
46190Agents in non-specialised wholesale trade
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.