d4front
Actived4front has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €19k and a net result of €-3k. Equity is growing by ~149.7% per year across the filed fiscal years. Its solvency ranks better than 72% of 3369 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
70
/ 100
Healthy▼ -16 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-100
Solvency100▲+52
Growth78=
Stability94
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 2.68 against 1.2 in 2024), and 27.6% 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
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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 74
Relative position
BE, all sectors
reference
Sector 74
lower
← fewer bankruptcies
more bankruptcies →
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 2025Solvency, return and age of the figures
Solvency
72.4%
Return on assets
-12.4%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 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 · 3 filingsDeviation from the deadline
2025
25 d late
2024
22 d late
2023
28 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
05-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€19k▼ 14.6%
2024 · €22k
2023: €-48k
2024: €22k
2023 → 2025
Total assets
€27k▼ 66.5%
2024 · €79k
2023: €23k
2024: €79k
2023 → 2025
Net result
€-3k
2024 · €71k
2023: €-49k
2024: €71k
2023 → 2025
Working capital
€12k▲ 11.5%
2024 · €11k
2023: €-50k
2024: €11k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€-48k-€22k€19k▼ 14.6%
Operating result€-49k-€77k€-3k
Net result€-49k-€71k€-3k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €3k after €77k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €27k
Fixed assets
€7k▼ 43.6%
Current assets
€20k▼ 70.7%
Equity and liabilities €27k
Equity
€19k▼ 14.6%
Debt
€7k▼ 87.1%
The debt ratio falls from 71.6% to 27.6%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€2k▼
2024 · €80k
Cash flow
€2k▼
2024 · €74k
Solvency
72.4%▲
2024 · 28.4%
Current ratio
2.68▲
2024 · 1.20
Quick ratio
2.68▲
2024 · 1.20
Debt / equity
0.38▼
2024 · 2.52
ROE
-17.1%▼
2024 · 314.0%
ROA
-12.4%▼
2024 · 89.2%
Interest coverage
41.16▼
2024 · 1454.75
Debt
€7k▼
2024 · €57k
Debt ≤ 1 year
€7k▼
2024 · €56k
Income taxes
€155▼
2024 · €6k
Staff costs
€538▼
2024 · €40k
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
Total assets
20/58€79k€27k▼
Fixed assets
21/28€12k€7k▼
Tangible fixed assets
22/27€12k€7k▼
Current assets
29/58€67k€20k▼
Amounts receivable within one year
40/41€33k€10k▼
Cash & bank
54/58€34k€10k▼
Total equity & liabilities
10/49€79k€27k▼
Equity
10/15€22k€19k▼
Contributions / capital
10/11€1k€1k=
Accumulated profits (losses)
14€21k€18k▼
Amounts payable
17/49€57k€7k▼
Amounts payable within one year
42/48€56k€7k▼
Trade debts payable within one year
44€3k€623▼
Income statement
Code20242025
Gross operating margin
9900€120k€3k▼
Operating result
9901€77k€-3k▼
Financial income
75€1€15▲
Financial charges
65€55€55=
Result before taxes
9903€77k€-3k▼
Income taxes
67/77€6k€155▼
Net result for the period
9904€71k€-3k▼
Result to be appropriated
9905€71k€-3k▼
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
2025
31-12
Financial
Liquidity doublescurrent ratio 2.68
Current ratio from 1.20 to 2.68; short-term debt falls from €56k to €7k.
12-12
State Gazette act
Registered-office change
v3.2
22-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 22 days late
2024
31-12
Financial
Back to profitnet €71k
Net result €71k after one loss-making year.
31-12
Financial
Liquidity quadruplescurrent ratio 1.20
Current ratio from 0.29 to 1.20; short-term debt falls from €70k to €56k.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2022
09-11
State Gazette act
Incorporation
oprichting
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
2 of 2 acts read
Directors · office · real estate
Comparable companies · same sector, comparable size
Similar companies · same sector, comparable size
KBPro
BE 0690.589.718
Malle · Eq €19k
CARDIOTRIALS ZOL
BE 1002.642.181
Beringen · Eq €19k
NAGG
BE 0767.556.644
Mons · Eq €19k
INTERNATIONAL CONSTRUCTION TACTICAL
BE 0508.448.957
Burdinne · Eq €19k
SMART METERING & CONSULT
BE 0688.649.817
Bastogne · Eq €19k
Of 4,552 companies in sector 74999 we hold annual accounts for 1,893. 1,244 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-11-2022
Fiscal year end31-12
Activities, NACEBEL
74909Other professional, scientific and technical activities
74999Other professional, scientific and technical activities
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesBelgian Official Gazette · 2 actsNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 02-08-2026. Scores and ratios are computed by Checked and are not a credit decision.