Cruzar Consulting
ActiveSummary
Cruzar Consulting has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €38k and a net result of €14k. Equity is growing by ~24.2% per year across the filed fiscal years. Its solvency ranks better than 67% of 20782 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2024
91
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency100▲+57
Growth78=
Track record94
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 2.57 against 0.92 in 2023; short-term debt: 24.3% and cash: 38.3% of total assets), and 24.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 62
Relative position
BE, all sectors
reference
Sector 62
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
75.7%
Return on assets
27.2%
Age of the figures
21 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 25-06-2025, 36 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
not confirmed
2024
36 d early
2023
39 d early
2022
43 d early
2021
47 d early
2020
43 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Turnover
€154k
EBIT margin
76.9%
Net result
€14k▼ 85.5%
2023 · €93k
2020: €-2k
2021: €78k
2022: €92k
2023: €93k
2020 → 2024
Working capital
€19k
2023 · €-8k
2020: €-2k
2021: €23k
2022: €119k
2023: €-8k
2020 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€154k
Equity€-1k-€74k€166k▲ 125%€24k▼ 85.5%€38k▲ 56.0%
Operating result€-2k-€99k€117k▲ 18.1%€118k▲ 1.6%€19k▼ 84.1%
Net result€-2k-€78k€92k▲ 17.4%€93k▲ 1.2%€14k▼ 85.5%
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 2024; 2024 is 84% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €50k
Fixed assets
€19k ▼ 42.9%
Current assets
€31k ▼ 68.6%
Equity and liabilities €50k
Equity
€38k ▲ 56.0%
Debt
€12k ▼ 88.8%
Debt's share of the balance-sheet total falls from 81.7% to 24.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€33k▼
2023 · €132k
Cash flow
€27k▼
2023 · €107k
Current ratio
2.57▲
2023 · 0.92
Debt to equity
0.32▼
2023 · 4.45
ROE
35.9%▼
2023 · 386.2%
ROA
27.2%▼
2023 · 70.8%
Interest coverage
242.89▼
2023 · 1223.35
Debt ≤ 1 year
€12k▼
2023 · €107k
Income taxes
€5k▼
2023 · €25k
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 · 2024 against 2023 · 41 lines
Balance sheet
Code20232024
Assets
Total assets20/58€131k€50k▼
Fixed assets21/28€33k€19k▼
Tangible fixed assets22/27€33k€19k▼
Plant, machinery and equipment23€948€826▼
Furniture and vehicles24€32k€18k▼
Current assets29/58€99k€31k▼
Amounts receivable within one year40/41€18k€5k▼
Trade receivables40€16k-
Other amounts receivable41€2k€5k▲
Cash at bank and in hand54/58€80k€19k▼
Deferred charges and accrued income490/1€38€7k▲
Equity and liabilities
Total equity and liabilities10/49€131k€50k▼
Equity10/15€24k€38k▲
Contributions10/11€1k€1k=
Profit (loss) carried forward14€23k€37k▲
Amounts payable17/49€107k€12k▼
Amounts payable within one year42/48€107k€12k▼
Trade debts44€701€2k▲
Suppliers440/4€701€2k▲
Taxes, remuneration and social security45€35k-
Taxes450/3€35k-
Other amounts payable47/48€71k€10k▼
Accrued charges and deferred income492/3€141-
Income statement
Code20232024
Turnover70€154k-
Goods, raw materials, services and sundry goods60/61€24k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€14k▼
Other operating charges640/8€384€387▲
Gross operating margin9900€133k€33k▼
Operating profit (loss)9901€118k€19k▼
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€108€135▲
Recurring financial charges65€108€135▲
Profit (loss) for the period before taxes9903€118k€19k▼
Income taxes67/77€25k€5k▼
Profit (loss) for the period9904€93k€14k▼
Profit (loss) for the period to be appropriated9905€93k€14k▼
Appropriation of the result
Profit (loss) to be appropriated9906€258k€37k▼
Profit (loss) brought forward from the previous period14P€165k€23k▼
Profit to be distributed694/7€235k-
Return on contributions (dividend)694€235k-
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
2025
25-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity triplescurrent ratio 2.57
Current ratio from 0.92 to 2.57; short-term debt falls from €107k to €12k.
22-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2020net €93k ▲1.2%
Operating result €118k, net result €93k, both a record.
18-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €150kEq €166k ▲125%
2 profitable years in a row build equity to €166k.
14-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €78k
Net result €78k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 1.76
Current ratio from 0.66 to 1.76.
18-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
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, Herent · 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.
Groenstraat 933020 HerentGround area
951 m²
Building footprint
113 m²
Volume, LiDAR
701 m³
Parcel 24111D0240/00C000, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Cruzar Consulting
since 20202.309.880.992
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24111D0240/00C000 | Flanders | 951 m² | 1 · 113 m² | 8.4 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.
Similar companies · same sector, comparable size
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BE 0873.745.811
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C&G INTERACTIVE
BE 1002.791.542
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SUNBELT
BE 0870.536.792
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INVINTELL
BE 0597.638.774
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Of 3,211 companies in sector 62900 we hold annual accounts for 1,741. 1,295 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
Founded03-11-2020
Fiscal year end31-12
Activities, NACEBEL 2025
62900Other information technology and computer services
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.