Customer Hub
ActiveCustomer Hub has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €374k and a net result of €-139k. Equity is shrinking by ~2.7% per year across the filed fiscal years. Its solvency ranks better than 89% of 1413 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-1
Solvency100▲+13
Growth35=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €23k at 30 days acceptable
Liquidity ample (current ratio 1.72 against 0.51 in 2024; short-term debt: 18.4% and cash: 1.1% of total assets), and 18.4% 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
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 · 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 €-139k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-09-2026, 41 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 · 8 filingsDeviation from the deadline
2025
41 d late
2024
29 d late
2023
14 d late
2022
3 d late
2021
3 d late
2020
19 d early
2019
3 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, full schema
Turnover
€484k▼ 23.0%
2024 · €628k
2018: €2.04M
2019: €1.61M
2020: €1.86M
2021: €959k
2022: €607k
2023: €553k
2024: €628k
2018 → 2025
EBIT margin
-29.6%▼ 12.6pp
2024 · -17.0%
2018: 16.7%
2019: 5.8%
2020: 4.2%
2021: -0.7%
2022: -1.1%
2023: -5.5%
2024: -17.0%
2018 → 2025
Net result
€-139k▼ 21.9%
2024 · €-114k
2018: €225k
2019: €66k
2020: €48k
2021: €-17k
2022: €-8k
2023: €-36k
2024: €-114k
2018 → 2025
Working capital
€61k
2024 · €-154k
2018: €319k
2019: €341k
2020: €371k
2021: €393k
2022: €-10k
2023: €-44k
2024: €-154k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€959k-€607k▼ 36.7%€553k▼ 8.8%€628k▲ 13.6%€484k▼ 23.0%
Equity€670k-€662k▼ 1.2%€626k▼ 5.4%€512k▼ 18.2%€374k▼ 27.1%
Operating result€-7k-€-7k▼ 0.4%€-30k▼ 346%€-107k▼ 251%€-143k▼ 34.1%
Net result€-17k-€-8k▲ 50.8%€-36k▼ 340%€-114k▼ 218%€-139k▼ 21.9%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €143k in 2025 against €107k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €458k
Fixed assets
€313k▼ 53.0%
Current assets
€145k▼ 8.1%
Equity and liabilities €458k
Equity
€374k▼ 27.1%
Debt
€84k▼ 72.9%
The debt ratio falls from 37.8% to 18.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-140k▼
2024 · €-102k
Cash flow
€-136k▼
2024 · €-108k
Solvency
81.6%▲
2024 · 62.2%
Current ratio
1.72▲
2024 · 0.51
Quick ratio
1.72▲
2024 · 0.51
Debt / equity
0.23▼
2024 · 0.61
ROE
-37.1%▼
2024 · -22.2%
ROA
-30.3%▼
2024 · -13.8%
Interest coverage
-18.83▼
2024 · -14.82
Debt
€84k▼
2024 · €311k
Debt ≤ 1 year
€84k▼
2024 · €311k
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€824k€458k▼
Fixed assets21/28€666k€313k▼
Tangible fixed assets22/27€6k€1k▼
Plant, machinery and equipment23€6k€1k▼
Financial fixed assets28€660k€312k▼
Current assets29/58€158k€145k▼
Amounts receivable within one year40/41€113k€140k▲
Trade receivables40€99k€105k▲
Other amounts receivable41€14k€35k▲
Cash at bank and in hand54/58€5k€5k▼
Deferred charges and accrued income490/1€40k€270▼
Equity and liabilities
Total equity and liabilities10/49€824k€458k▼
Equity10/15€512k€374k▼
Contributions10/11€412k€412k=
Capital10€412k€412k=
Issued capital100€412k€412k=
Reserves13€100k€41k▼
Non-distributable reserves130/1€41k€41k=
Legal reserve130€41k€41k=
Distributable reserves133€59k-
Profit (loss) carried forward14€66€-80k▼
Amounts payable17/49€311k€84k▼
Amounts payable within one year42/48€311k€84k▼
Trade debts44€131k€74k▼
Suppliers440/4€131k€74k▼
Taxes, remuneration and social security45€14k€11k▼
Taxes450/3€14k€11k▼
Other amounts payable47/48€167k-
Income statement
Code20242025
Turnover70€628k€484k▼
Non-recurring operating income76A€21k€12k▼
Goods, raw materials, services and sundry goods60/61€781k€661k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€3k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-16k-
Other operating charges640/8€2k€1k▼
Non-recurring operating charges66A-€154
Gross operating margin9900€-115k€-139k▼
Operating profit (loss)9901€-107k€-143k▼
Financial income75/76B€0€12k▲
Recurring financial income75€0€63▲
Non-recurring financial income76B-€12k
Financial charges65/66B€7k€7k▲
Recurring financial charges65€7k€7k▲
Profit (loss) for the period before taxes9903€-114k€-139k▼
Income taxes67/77€39-
Profit (loss) for the period9904€-114k€-139k▼
Profit (loss) for the period to be appropriated9905€-114k€-139k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-113k€-139k▼
Profit (loss) brought forward from the previous period14P€798€66▼
Transfer from equity791/2€113k€59k▼
The notes to these accounts (9 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
10-09
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 41 days late
2025
31-12
Financial
Weakest financial yearnet €-139k
Net result drops to €-139k, the lowest in the series.
31-12
Financial
Liquidity triplescurrent ratio 1.72
Current ratio from 0.51 to 1.72; short-term debt falls from €311k to €84k.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 29 days late
2024
14-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 14 days late
2023
03-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 3 days late
2022
03-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 3 days late
2021
12-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
03-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 3 days late
2019
31-12
Financial
Equity above €500kEq €639k ▲122%
2 profitable years in a row build equity to €639k.
20-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
9 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, Kontich · 1 establishment unit since 2017
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.
Veldkant 352550 KontichGround area
3,333 m²
Building footprint
933 m²
Volume, LiDAR
7,846 m³
Parcel 11024B0079/00F000, Flanders · tallest building 10.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Customer Hub
since 20172.261.053.370
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11024B0079/00F000 | Flanders | 3,333 m² | 1 · 932 m² | 10.3 m · 3 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
JL²
BE 0668.945.850
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LENS CONSULTING
BE 0478.380.046
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JANSEN SOLUTIONS
BE 0892.423.655
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HB LOGIC
BE 0888.010.452
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GROUP-WAVE
BE 0474.703.944
Kontich · Eq €374k
Of 30,000 companies in sector 62200 we hold annual accounts for 18,394. 13,083 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded16-01-2017
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
62900Other information technology and computer services
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.