d-Scover
Actived-Scover has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €118k and a net result of €102k. Equity is growing by ~6% per year across the filed fiscal years. Its solvency ranks better than 32% of 31544 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
77
/ 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
Profitability100▲+1
Solvency58▼-17
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity short (current ratio 0.6 against 1.0 in 2024; short-term debt: 67.1% and cash: 31.6% of total assets), and 67.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
32.7%
Return on assets
28.1%
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 24-02-2026, 157 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
157 d early
2024
35 d early
2023
33 d early
2022
55 d early
2021
60 d early
2020
61 d early
2019
43 d early
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€118k▼ 49.0%
2024 · €232k
2018: €44k
2019: €140k
2020: €255k
2021: €354k
2022: €316k
2023: €322k
2024: €232k
2018 → 2025
Total assets
€362k▼ 21.4%
2024 · €461k
2018: €372k
2019: €433k
2020: €522k
2021: €525k
2022: €477k
2023: €455k
2024: €461k
2018 → 2025
Net result
€102k▼ 8.1%
2024 · €111k
2018: €-13k
2019: €96k
2020: €117k
2021: €99k
2022: €98k
2023: €108k
2024: €111k
2018 → 2025
Working capital
€-96k▼ 62,502%
2024 · €-154
2018: €4k
2019: €55k
2020: €98k
2021: €81k
2022: €60k
2023: €82k
2024: €-154
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€354k-€316k▼ 10.6%€322k▲ 2.0%€232k▼ 27.9%€118k▼ 49.0%
Operating result€140k-€125k▼ 10.1%€139k▲ 10.9%€141k▲ 1.5%€132k▼ 6.4%
Net result€99k-€98k▼ 1.5%€108k▲ 11.1%€111k▲ 2.1%€102k▼ 8.1%
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 6% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €362k
Fixed assets
€215k▼ 7.7%
Current assets
€147k▼ 35.5%
Equity and liabilities €362k
Equity
€118k▼ 49.0%
Debt
€244k▲ 6.6%
The debt ratio rises from 49.6% to 67.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€151k▼
2024 · €160k
Cash flow
€121k▼
2024 · €130k
Solvency
32.7%▼
2024 · 50.4%
Current ratio
0.60▼
2024 · 1.00
Quick ratio
0.60▼
2024 · 1.00
Debt / equity
2.06▲
2024 · 0.98
ROE
85.8%▲
2024 · 47.6%
ROA
28.1%▲
2024 · 24.0%
Interest coverage
149.68▼
2024 · 220.17
Debt
€244k▲
2024 · €229k
Debt ≤ 1 year
€243k▲
2024 · €228k
Income taxes
€30k▼
2024 · €33k
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€461k€362k▼
Fixed assets21/28€233k€215k▼
Tangible fixed assets22/27€233k€215k▼
Land and buildings22€226k€209k▼
Plant, machinery and equipment23€3k€3k▼
Furniture and vehicles24€3k€3k▼
Other tangible fixed assets26€1k€1k▼
Current assets29/58€228k€147k▼
Amounts receivable within one year40/41€128k€22k▼
Trade receivables40€21k€20k▼
Other amounts receivable41€107k€2k▼
Current investments50/53€0-
Cash at bank and in hand54/58€90k€114k▲
Deferred charges and accrued income490/1€10k€10k▼
Equity and liabilities
Total equity and liabilities10/49€461k€362k▼
Equity10/15€232k€118k▼
Contributions10/11€19k€19k=
Reserves13€214k€100k▼
Distributable reserves133€214k€100k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€229k€244k▲
Amounts payable within one year42/48€228k€243k▲
Trade debts44€5k€3k▼
Suppliers440/4€5k€3k▼
Taxes, remuneration and social security45€12k€13k▲
Taxes450/3€12k€13k▲
Other amounts payable47/48€211k€227k▲
Accrued charges and deferred income492/3€634€754▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€19k▲
Other operating charges640/8€4k€4k▼
Non-recurring operating charges66A-€1k
Gross operating margin9900€165k€157k▼
Operating profit (loss)9901€141k€132k▼
Financial income75/76B€3k€174▼
Recurring financial income75€3k€174▼
Financial charges65/66B€729€1k▲
Recurring financial charges65€729€1k▲
Profit (loss) for the period before taxes9903€143k€131k▼
Income taxes67/77€33k€30k▼
Profit (loss) for the period9904€111k€102k▼
Profit (loss) for the period to be appropriated9905€111k€102k▼
Appropriation of the result
Profit (loss) to be appropriated9906€111k€102k▼
Transfer from equity791/2€90k€114k▲
Profit to be distributed694/7€201k€216k▲
Return on contributions (dividend)694€201k€216k▲
The notes to these accounts (15 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
24-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
06-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
01-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €117k ▲22.1%
Operating result €165k, net result €117k, both a record.
31-12
Financial
Equity above €200kEq €255k ▲82.2%
2 profitable years in a row build equity to €255k.
18-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €96k
Net result €96k after one loss-making year.
31-12
Financial
Equity above €100kEq €140k ▲220%
Equity rises from €44k to €140k.
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 31 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · 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
3 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, Kortenberg · 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.
Dorpelstraat 203078 KortenbergGround area
1,026 m²
Building footprint
177 m²
Volume, LiDAR
1,225 m³
Parcel 24026D0018/00B003, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
d-Scover
since 20172.262.744.932
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24026D0018/00B003 | Flanders | 1,026 m² | 1 · 177 m² | 8.9 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.
Recognitions · licences · registrations
Legal Entity Identifier
699400729WKB4C1RTR02
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Of 82,524 companies in sector 70200 we hold annual accounts for 52,566. 40,840 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-02-2017
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.