De Kruisberg
ActiveDe Kruisberg has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €175k and a net result of €56k. Equity is growing by ~39.8% per year across the filed fiscal years. Its solvency ranks better than 46% of 16527 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 and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability92▼-6
Solvency84▲+2
Growth78=
Track record94
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity ample (current ratio 3.18 against 3.59 in 2024; short-term debt: 20.9% and cash: 44.7% of total assets), and 41.1% 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 86
Relative position
BE, all sectors
reference
Sector 86
lower
← fewer bankruptcies
more bankruptcies →
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 · 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
58.9%
Return on assets
18.9%
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 16-07-2026, 15 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
15 d early
2024
29 d early
2023
35 d early
2022
24 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€175k▲ 24.9%
2024 · €140k
2022: €47k
2023: €83k
2024: €140k
2022 → 2025
Total assets
€297k▲ 20.4%
2024 · €247k
2022: €192k
2023: €199k
2024: €247k
2022 → 2025
Net result
€56k▼ 1.3%
2024 · €57k
2022: €46k
2023: €36k
2024: €57k
2022 → 2025
Working capital
€135k▲ 38.2%
2024 · €98k
2022: €-63k
2023: €41k
2024: €98k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€47k-€83k▲ 78.0%€140k▲ 68.7%€175k▲ 24.9%
Operating result€63k-€54k▼ 15.1%€83k▲ 53.6%€78k▼ 5.3%
Net result€46k-€36k▼ 20.3%€57k▲ 56.9%€56k▼ 1.3%
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 5% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €297k
Fixed assets
€100k▼ 10.1%
Current assets
€197k▲ 45.4%
Equity and liabilities €297k
Equity
€175k▲ 24.9%
Debt
€122k▲ 14.4%
The debt ratio falls from 43.3% to 41.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€103k▼
2024 · €105k
Cash flow
€81k▲
2024 · €79k
Solvency
58.9%▲
2024 · 56.7%
Current ratio
3.18▼
2024 · 3.59
Quick ratio
3.18▼
2024 · 3.59
Debt / equity
0.70▼
2024 · 0.76
ROE
32.2%▼
2024 · 40.7%
ROA
18.9%▼
2024 · 23.1%
Interest coverage
53.45▲
2024 · 28.77
Debt
€122k▲
2024 · €107k
Debt ≤ 1 year
€62k▲
2024 · €38k
Debt > 1 year
€13k▼
2024 · €30k
Income taxes
€22k▼
2024 · €22k
Staff costs
€19k▼
2024 · €31k
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€247k€297k▲
Fixed assets21/28€111k€100k▼
Intangible fixed assets21€2k€1k▼
Tangible fixed assets22/27€109k€99k▼
Plant, machinery and equipment23€90k€88k▼
Furniture and vehicles24€19k€11k▼
Current assets29/58€136k€197k▲
Amounts receivable within one year40/41€12k€63k▲
Trade receivables40€8k€13k▲
Other amounts receivable41€4k€50k▲
Cash at bank and in hand54/58€122k€133k▲
Deferred charges and accrued income490/1€2k€1k▼
Equity and liabilities
Total equity and liabilities10/49€247k€297k▲
Equity10/15€140k€175k▲
Contributions10/11€1k€1k=
Reserves13€139k€174k▲
Distributable reserves133€139k€174k▲
Amounts payable17/49€107k€122k▲
Amounts payable after more than one year17€30k€13k▼
Financial debts170/4€30k€13k▼
Amounts payable within one year42/48€38k€62k▲
Current portion of amounts payable after more than one year42€25k€27k▲
Trade debts44€4k€5k▲
Suppliers440/4€4k€5k▲
Advances received on contracts in progress46€956-
Taxes, remuneration and social security45€6k€7k▲
Taxes450/3€4k€3k▼
Remuneration and social security454/9€2k€3k▲
Other amounts payable47/48€2k€23k▲
Accrued charges and deferred income492/3€39k€47k▲
Income statement
Code20242025
Remuneration, social security and pensions62€31k€19k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€24k▲
Other operating charges640/8€221€103▼
Gross operating margin9900€137k€121k▼
Operating profit (loss)9901€83k€78k▼
Financial income75/76B€271€2k▲
Recurring financial income75€271€2k▲
Financial charges65/66B€4k€2k▼
Recurring financial charges65€4k€2k▼
Profit (loss) for the period before taxes9903€79k€78k▼
Income taxes67/77€22k€22k▼
Profit (loss) for the period9904€57k€56k▼
Profit (loss) for the period to be appropriated9905€57k€56k▼
Appropriation of the result
Profit (loss) to be appropriated9906€57k€56k▼
Transfer from equity791/2-€21k
Transfer to equity691/2€57k€56k▼
To other reserves6921€57k€56k▼
Profit to be distributed694/7-€21k
Return on contributions (dividend)694-€21k
The notes to these accounts (10 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
16-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €150kEq €175k ▲24.9%
4 profitable years in a row build equity to €175k.
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2022net €57k ▲56.9%
Operating result €83k, net result €57k, both a record.
31-12
Financial
Equity above €100kEq €140k ▲68.7%
3 profitable years in a row build equity to €140k.
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €36k ▼20.3%
Net result drops to €36k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 6current ratio 2.55
Current ratio from 0.41 to 2.55; short-term debt falls from €108k to €26k.
07-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Zoersel · 1 establishment unit since 2021
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.
Dorp 242980 ZoerselGround area
661 m²
Building footprint
234 m²
Volume, LiDAR
1,509 m³
Parcel 11055B0142/00Z006, Flanders · tallest building 10.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
De Kruisberg
since 20212.325.419.602
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11055B0142/00Z006 | Flanders | 661 m² | 1 · 234 m² | 10.3 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 3 entries · 728 EUR awarded · 452 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 371 EUR | 95 EUR |
| 2024 | 1 | 99 EUR | 99 EUR |
| 2022 | 1 | 258 EUR | 258 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 12,689 companies in sector 86951 we hold annual accounts for 2,142. 1,674 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-12-2021
Fiscal year end31-12
Activities, NACEBEL
86905Human health activities
86951Physiotherapy
77225Rental and leasing activities
82100Office administrative and support services
82110Office administrative, office support and other business support activities
82990Other business support services
93199Other sports activities
Sources
Crossroads Bank for EnterprisesNational Bank · 4 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.