CRUXIS
ActiveCRUXIS has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.11M and a net result of €-117k. Equity is growing by ~18.1% per year across the filed fiscal years. Its solvency ranks better than 87% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability13▼-13
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €140k at 30 days acceptable
Liquidity ample (current ratio 9.66 against 25.58 in 2024; short-term debt: 7.2% and cash: 1.8% of total assets), and 11.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 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
88.8%
Return on assets
-4.9%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-117k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 10 filingsDeviation from the deadline
2025
28 d late
2024
19 d late
2023
26 d late
2022
27 d early
2021
31 d late
2020
24 d late
2019
63 d late
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€2.11M▼ 8.7%
2024 · €2.31M
2018: €678k
2019: €761k
2020: €888k
2021: €2.68M
2022: €2.39M
2023: €2.43M
2024: €2.31M
2018 → 2025
Total assets
€2.38M▼ 4.8%
2024 · €2.49M
2018: €732k
2019: €790k
2020: €914k
2021: €3.10M
2022: €2.76M
2023: €2.69M
2024: €2.49M
2018 → 2025
Net result
€-117k▲ 0.1%
2024 · €-117k
2018: €84k
2019: €83k
2020: €127k
2021: €1.79M
2022: €-134k
2023: €126k
2024: €-117k
2018 → 2025
Working capital
€1.48M▼ 12.1%
2024 · €1.68M
2018: €206k
2019: €257k
2020: €393k
2021: €2.10M
2022: €1.78M
2023: €1.77M
2024: €1.68M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2.68M-€2.39M▼ 11.0%€2.43M▲ 1.7%€2.31M▼ 4.8%€2.11M▼ 8.7%
Operating result€98k-€62k▼ 36.3%€-13k€-184k▼ 1,356%€-112k▲ 38.9%
Net result€1.79M-€-134k€126k€-117k€-117k▲ 0.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €112k in 2025 against €184k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.38M
Fixed assets
€726k▼ 2.4%
Current assets
€1.65M▼ 5.8%
Equity and liabilities €2.38M
Equity
€2.11M▼ 8.7%
Debt
€266k▲ 43.7%
The debt ratio rises from 7.4% to 11.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-70k▲
2024 · €-142k
Cash flow
€-75k▲
2024 · €-75k
Solvency
88.8%▼
2024 · 92.6%
Current ratio
9.66▼
2024 · 25.58
Quick ratio
9.36▼
2024 · 25.58
Debt / equity
0.13▲
2024 · 0.08
ROE
-5.5%▼
2024 · -5.1%
ROA
-4.9%▼
2024 · -4.7%
Interest coverage
-12.51▼
2024 · 3.70
Debt
€266k▲
2024 · €185k
Debt ≤ 1 year
€171k▲
2024 · €68k
Debt > 1 year
€95k▼
2024 · €115k
Income taxes
€73k▲
2024 · €693
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€2.49M€2.38M▼
Fixed assets21/28€744k€726k▼
Tangible fixed assets22/27€438k€420k▼
Land and buildings22€349k€328k▼
Plant, machinery and equipment23€23k€40k▲
Furniture and vehicles24€67k€52k▼
Financial fixed assets28€306k€306k=
Current assets29/58€1.75M€1.65M▼
Stocks and contracts in progress3-€51k
Stocks30/36-€51k
Amounts receivable within one year40/41€135k€51k▼
Trade receivables40€52k€31k▼
Other amounts receivable41€83k€20k▼
Current investments50/53€1.58M€1.50M▼
Cash at bank and in hand54/58€33k€44k▲
Deferred charges and accrued income490/1€7k€4k▼
Equity and liabilities
Total equity and liabilities10/49€2.49M€2.38M▼
Equity10/15€2.31M€2.11M▼
Contributions10/11€19k€19k=
Reserves13€2.29M€2.09M▼
Tax-exempt reserves132€842k€0▼
Distributable reserves133€1.45M€2.09M▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€185k€266k▲
Amounts payable after more than one year17€115k€95k▼
Financial debts170/4€115k€95k▼
Amounts payable within one year42/48€68k€171k▲
Current portion of amounts payable after more than one year42€20k€20k▲
Trade debts44€43k€7k▼
Suppliers440/4€43k€7k▼
Taxes, remuneration and social security45€4k€61k▲
Taxes450/3€4k€61k▲
Other amounts payable47/48€1k€84k▲
Accrued charges and deferred income492/3€2k€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€42k€42k▲
Other operating charges640/8€5k€5k▲
Gross operating margin9900€-137k€-65k▲
Operating profit (loss)9901€-184k€-112k▲
Financial income75/76B€29k€74k▲
Recurring financial income75€29k€74k▲
Financial charges65/66B€-38k€6k▲
Recurring financial charges65€-38k€6k▲
Profit (loss) for the period before taxes9903€-116k€-44k▲
Income taxes67/77€693€73k▲
Profit (loss) for the period9904€-117k€-117k▲
Transfer from tax-exempt reserves789-€842k
Profit (loss) for the period to be appropriated9905€-117k€725k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-117k€725k▲
Transfer from equity791/2€117k€83k▼
Transfer to equity691/2€0€725k▲
To other reserves6921€0€725k▲
Profit to be distributed694/7€0€83k▲
Return on contributions (dividend)694€0€83k▲
The notes to these accounts (8 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
19-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 19 days late
2024
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
31-12
Financial
Back to profitnet €126k
Net result €126k after one loss-making year.
04-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-134k ▼107%
Net result drops to €-134k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Highest result since 2018net €1.79M ▲1318%
Net result €1.79M, the highest in the series.
31-12
Financial
Equity above €2MEq €2.68M ▲202%
4 profitable years in a row build equity to €2.68M.
24-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 24 days late
2020
02-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 63 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
22-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 22 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Leuven · 1 establishment unit since 2002
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.
Lange Lostraat 123010 LeuvenGround area
3,100 m²
Building footprint
88 m²
Volume, LiDAR
647 m³
Parcel 24483D0370/00F003, Flanders · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Lange Lostraat 12, 3010 Leuven
since 20022.114.716.893
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24483D0370/00F003 | Flanders | 3,100 m² | 1 · 88 m² | 9.3 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 2,399 EUR awarded · 2,399 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 2,399 EUR | 2,399 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 19,536 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-11-2002
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 23 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.