CULD
ActiveCULD has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €51k and a net result of €11k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 56% of 16941 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
91
/ 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
Profitability87▼-13
Solvency91▲+12
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity ample (current ratio 2.82 against 2.11 in 2024; short-term debt: 33.5% and cash: 81.7% of total assets), and 34.3% 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○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 →
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 · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €51k
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 02-10-2025, 29 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
29 d early
2024
6 d early
2023
33 d early
2022
4 d early
2021
30 d late
2020
8 d late
2019
2 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close17-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€51k▲ 28.9%
2024 · €40k
2019: €21k
2020: €3k
2021: €-7k
2022: €4k
2023: €20k
2024: €40k
2019 → 2025
Total assets
€78k▲ 6.0%
2024 · €74k
2019: €49k
2020: €30k
2021: €26k
2022: €31k
2023: €49k
2024: €74k
2019 → 2025
Net result
€11k▼ 43.2%
2024 · €20k
2019: €2k
2020: €-18k
2021: €-10k
2022: €10k
2023: €16k
2024: €20k
2019 → 2025
Working capital
€48k▲ 28.7%
2024 · €37k
2019: €12k
2020: €-4k
2021: €-8k
2022: €804
2023: €19k
2024: €37k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-7k-€4k€20k▲ 459%€40k▲ 103%€51k▲ 28.9%
Operating result€-8k-€13k€23k▲ 81.5%€25k▲ 10.5%€19k▼ 25.3%
Net result€-10k-€10k€16k▲ 57.4%€20k▲ 25.6%€11k▼ 43.2%
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 25% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €78k
Fixed assets
€4k▲ 25.7%
Current assets
€74k▲ 5.0%
Equity and liabilities €78k
Equity
€51k▲ 28.9%
Debt
€27k▼ 20.9%
The debt ratio falls from 45.9% to 34.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€21k▼
2024 · €26k
Cash flow
€13k▼
2024 · €21k
Solvency
65.7%▲
2024 · 54.1%
Current ratio
2.82▲
2024 · 2.11
Quick ratio
2.82▲
2024 · 2.11
Debt / equity
0.52▼
2024 · 0.85
ROE
22.4%▼
2024 · 50.8%
ROA
14.7%▼
2024 · 27.4%
Interest coverage
116.47▲
2024 · 57.74
Debt
€27k▼
2024 · €34k
Debt ≤ 1 year
€26k▼
2024 · €33k
Income taxes
€7k▲
2024 · €5k
Staff costs
€47k▲
2024 · €44k
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€74k€78k▲
Fixed assets21/28€3k€4k▲
Tangible fixed assets22/27€3k€4k▲
Plant, machinery and equipment23€1k€618▼
Furniture and vehicles24€2k€4k▲
Current assets29/58€70k€74k▲
Amounts receivable within one year40/41€24k€10k▼
Trade receivables40€22k€9k▼
Other amounts receivable41€1k€500▼
Cash at bank and in hand54/58€47k€64k▲
Deferred charges and accrued income490/1€144€152▲
Equity and liabilities
Total equity and liabilities10/49€74k€78k▲
Equity10/15€40k€51k▲
Contributions10/11€20k€20k=
Reserves13€20k€31k▲
Distributable reserves133€20k€31k▲
Amounts payable17/49€34k€27k▼
Amounts payable within one year42/48€33k€26k▼
Trade debts44€14k€5k▼
Suppliers440/4€14k€5k▼
Taxes, remuneration and social security45€16k€19k▲
Taxes450/3€5k€7k▲
Remuneration and social security454/9€11k€13k▲
Other amounts payable47/48€3k€2k▼
Accrued charges and deferred income492/3€600€600=
Income statement
Code20242025
Remuneration, social security and pensions62€44k€47k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€2k▲
Other operating charges640/8€751€595▼
Gross operating margin9900€71k€68k▼
Operating profit (loss)9901€25k€19k▼
Financial income75/76B€111€5▼
Recurring financial income75€111€5▼
Financial charges65/66B€455€176▼
Recurring financial charges65€455€176▼
Profit (loss) for the period before taxes9903€25k€19k▼
Income taxes67/77€5k€7k▲
Profit (loss) for the period9904€20k€11k▼
Profit (loss) for the period to be appropriated9905€20k€11k▼
Appropriation of the result
Profit (loss) to be appropriated9906€19k€11k▼
Profit (loss) brought forward from the previous period14P€-1k-
Transfer to equity691/2€19k€11k▼
To other reserves6921€19k€11k▼
The notes to these accounts (7 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
2025
02-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
25-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Highest result since 2019net €20k ▲25.6%
Operating result €25k, net result €20k, both a record.
2023
28-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
27-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
31-03
Financial
Back to profitnet €10k
Net result €10k after 2 loss-making years.
2021
30-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2020
08-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 8 days late
31-03
Financial
Weakest financial yearnet €-18k ▼1116%
Net result drops to €-18k, the lowest in the series; recovery starts the following year.
2019
29-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
31-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
15-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 135 days late
2016
30-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 60 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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
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Directors · office · real estate
Directors
4 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, Turnhout · 1 establishment unit since 2012
Ground area
704 m²
Building footprint
401 m²
Volume, LiDAR
2,579 m³
Parcel 13040B0863/00S000, Flanders · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CULD
since 20122.208.401.572
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13040B0863/00S000 | Flanders | 704 m² | 1 · 401 m² | 9.2 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.
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Of 16,869 companies in sector 62100 we hold annual accounts for 8,779. 6,816 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-02-2012
Fiscal year end31-03
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
62020IT consultancy
62200Computer consultancy and computer facilities management
63100Computing infrastructure, data processing, hosting and related activities
63110Computing infrastructure, data processing, hosting and other information service activities
73110Advertising agencies
74103Other professional, scientific and technical activities
74120Graphic design and visual communication
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.