CS
ActiveSummary
CS has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €323k and a net result of €44k. Equity is growing by ~13.5% per year across the filed fiscal years. Its solvency ranks better than 68% of 12738 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
90
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability81▲+5
Solvency98▲+3
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 2.79 against 2.46 in 2024; short-term debt: 27.1% and cash: 31.4% of total assets), and 27.4% 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 69
Relative position
BE, all sectors
reference
Sector 69
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
72.6%
Return on assets
9.8%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
1 d early
2023
51 d early
2022
32 d early
2021
3 d early
2020
12 d late
2019
22 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€323k▼ 16.0%
2024 · €385k
2018: €115k
2019: €195k
2020: €193k
2021: €298k
2022: €438k
2023: €433k
2024: €385k
2018 → 2025
Total assets
€445k▼ 19.3%
2024 · €552k
2018: €198k
2019: €442k
2020: €405k
2021: €465k
2022: €660k
2023: €580k
2024: €552k
2018 → 2025
Net result
€44k▲ 37.6%
2024 · €32k
2018: €37k
2019: €80k
2020: €-2k
2021: €105k
2022: €180k
2023: €32k
2024: €32k
2018 → 2025
Working capital
€216k▼ 10.4%
2024 · €241k
2018: €66k
2019: €3k
2020: €30k
2021: €164k
2022: €331k
2023: €313k
2024: €241k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€298k-€438k▲ 47.0%€433k▼ 1.1%€385k▼ 11.2%€323k▼ 16.0%
Operating result€160k-€270k▲ 68.1%€48k▼ 82.1%€44k▼ 8.8%€82k▲ 85.6%
Net result€105k-€180k▲ 71.8%€32k▼ 82.4%€32k▼ 0.5%€44k▲ 37.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 86% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €445k
Fixed assets
€109k ▼ 25.3%
Current assets
€337k ▼ 17.2%
Equity and liabilities €445k
Equity
€323k ▼ 16.0%
Debt
€122k ▼ 27.0%
Debt's share of the balance-sheet total falls from 30.3% to 27.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€120k▲
2024 · €82k
Cash flow
€82k▲
2024 · €69k
Current ratio
2.79▲
2024 · 2.46
Debt to equity
0.38▼
2024 · 0.44
ROE
13.5%▲
2024 · 8.2%
ROA
9.8%▲
2024 · 5.7%
Interest coverage
8.33▼
2024 · 20.69
Debt ≤ 1 year
€121k▼
2024 · €165k
Income taxes
€28k▲
2024 · €15k
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 · 53 lines
Balance sheet
Code20242025
Assets
Total assets20/58€552k€445k▼
Fixed assets21/28€146k€109k▼
Intangible fixed assets21€60k€45k▼
Tangible fixed assets22/27€86k€64k▼
Plant, machinery and equipment23€1k€2k▲
Furniture and vehicles24€84k€62k▼
Current assets29/58€406k€337k▼
Amounts receivable after more than one year29€194k€0▼
Other amounts receivable291€194k€0▼
Amounts receivable within one year40/41€19k€48k▲
Trade receivables40€3k€6k▲
Other amounts receivable41€16k€42k▲
Current investments50/53€138k€140k▲
Cash at bank and in hand54/58€51k€140k▲
Deferred charges and accrued income490/1€5k€8k▲
Equity and liabilities
Total equity and liabilities10/49€552k€445k▼
Equity10/15€385k€323k▼
Contributions10/11€25k€25k=
Reserves13€351k€290k▼
Non-distributable reserves130/1€3k€3k=
Reserves not available under the articles1311€3k€3k=
Distributable reserves133€349k€287k▼
Profit (loss) carried forward14€8k€8k▲
Amounts payable17/49€167k€122k▼
Amounts payable within one year42/48€165k€121k▼
Financial debts43€0-
Credit institutions430/8€0-
Trade debts44€32k€38k▲
Suppliers440/4€32k€38k▲
Taxes, remuneration and social security45€28k€50k▲
Taxes450/3€28k€41k▲
Remuneration and social security454/9-€10k
Other amounts payable47/48€106k€33k▼
Accrued charges and deferred income492/3€2k€2k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€38k€39k▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€83k€122k▲
Operating profit (loss)9901€44k€82k▲
Financial income75/76B€7k€4k▼
Recurring financial income75€7k€4k▼
Financial charges65/66B€4k€14k▲
Recurring financial charges65€4k€14k▲
Profit (loss) for the period before taxes9903€47k€72k▲
Income taxes67/77€15k€28k▲
Profit (loss) for the period9904€32k€44k▲
Profit (loss) for the period to be appropriated9905€32k€44k▲
Appropriation of the result
Profit (loss) to be appropriated9906€40k€52k▲
Profit (loss) brought forward from the previous period14P€8k€8k▲
Transfer from equity791/2€80k€105k▲
Transfer to equity691/2€32k€44k▲
To other reserves6921€32k€44k▲
Profit to be distributed694/7€80k€105k▲
Return on contributions (dividend)694€80k€105k▲
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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
10-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €180k ▲71.8%
Operating result €270k, net result €180k, both a record.
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €105k
Net result €105k after one loss-making year.
31-12
Financial
Equity above €200kEq €298k ▲54.4%
Equity rises from €193k to €298k.
12-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 12 days late
2020
31-12
Financial
Weakest financial yearnet €-2k
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
09-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €150kEq €195k ▲69.5%
2 profitable years in a row build equity to €195k.
Show earlier events
18-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 79 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 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.
0 of 6 acts read
About the unread acts
We know of 6 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
6 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, Antwerpen · 1 establishment unit since 2007
Ground area
3,241 m²
Building footprint
2,607 m²
Parcel 11806F1354/00X009, Flanders. Linked by address, not a title deed.
109
companies at this address
See who is registered here
1 establishment unit
Mechelsesteenweg 271, 2018 Antwerpen
since 20072.258.560.272
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11806F1354/00X009 | Flanders | 3,241 m² | 1 · 2,607 m² | - |
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 to 2024 · 3 entries · 219 EUR awarded · 219 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 105 EUR | 105 EUR |
| 2023 | 1 | 72 EUR | 72 EUR |
| 2022 | 1 | 42 EUR | 42 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
6488H32M0136VTX4ZN46
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Of 22,056 companies in sector 69101 we hold annual accounts for 9,055. 6,629 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 (pre-2019)
Founded19-01-2007
Fiscal year end31-12
Activities, NACEBEL 2025
69101Activities of lawyers
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.