DEBET - CREDIT
ActiveDEBET - CREDIT has been active since 1993 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €255k and a net result of €57k. Equity is growing by ~16.1% per year across the filed fiscal years. Its solvency ranks better than 78% of 12665 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
92
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability91▼-1
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €23k at 30 days acceptable
Liquidity ample (current ratio 4.58 against 8.5 in 2024; short-term debt: 18.9% and cash: 27.1% of total assets), and 18.9% 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 69
Relative position
BE, all sectors
reference
Sector 69
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 · 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
81.1%
Return on assets
18.1%
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 28-05-2026, 64 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
64 d early
2024
55 d early
2023
48 d early
2022
60 d early
2021
32 d early
2020
47 d early
2019
12 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€255k▲ 9.4%
2024 · €233k
2018: €98k
2019: €101k
2020: €102k
2021: €115k
2022: €133k
2023: €184k
2024: €233k
2018 → 2025
Total assets
€315k▲ 19.8%
2024 · €263k
2018: €125k
2019: €126k
2020: €148k
2021: €155k
2022: €171k
2023: €202k
2024: €263k
2018 → 2025
Net result
€57k▲ 15.1%
2024 · €49k
2018: €11k
2019: €2k
2020: €16k
2021: €23k
2022: €28k
2023: €51k
2024: €49k
2018 → 2025
Working capital
€214k=
2024 · €214k
2018: €69k
2019: €78k
2020: €84k
2021: €81k
2022: €101k
2023: €158k
2024: €214k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€115k-€133k▲ 16.0%€184k▲ 38.2%€233k▲ 26.9%€255k▲ 9.4%
Operating result€36k-€44k▲ 22.6%€70k▲ 57.9%€70k▼ 0.6%€84k▲ 20.1%
Net result€23k-€28k▲ 25.1%€51k▲ 78.8%€49k▼ 2.6%€57k▲ 15.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 20% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €315k
Fixed assets
€41k▲ 102%
Current assets
€274k▲ 12.8%
Equity and liabilities €315k
Equity
€255k▲ 9.4%
Debt
€60k▲ 102%
The debt ratio rises from 11.2% to 18.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€94k▲
2024 · €80k
Cash flow
€68k▲
2024 · €60k
Solvency
81.1%▼
2024 · 88.8%
Current ratio
4.58▼
2024 · 8.50
Quick ratio
4.58▼
2024 · 8.50
Debt / equity
0.23▲
2024 · 0.13
ROE
22.3%▲
2024 · 21.2%
ROA
18.1%▼
2024 · 18.8%
Interest coverage
171.53▲
2024 · 12.41
Debt
€60k▲
2024 · €30k
Debt ≤ 1 year
€60k▲
2024 · €29k
Income taxes
€21k▲
2024 · €19k
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€263k€315k▲
Fixed assets21/28€21k€41k▲
Tangible fixed assets22/27€21k€41k▲
Land and buildings22€1k€30k▲
Plant, machinery and equipment23€491€2k▲
Furniture and vehicles24€19k€9k▼
Current assets29/58€242k€274k▲
Amounts receivable after more than one year29€650-
Other amounts receivable291€650-
Amounts receivable within one year40/41€49k€52k▲
Trade receivables40€49k€52k▲
Current investments50/53€148k€136k▼
Cash at bank and in hand54/58€44k€85k▲
Deferred charges and accrued income490/1€1k-
Equity and liabilities
Total equity and liabilities10/49€263k€315k▲
Equity10/15€233k€255k▲
Contributions10/11€19k€19k=
Reserves13€211k€233k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€209k€231k▲
Profit (loss) carried forward14€3k€3k=
Amounts payable17/49€30k€60k▲
Amounts payable after more than one year17€1k-
Financial debts170/4€1k-
Amounts payable within one year42/48€29k€60k▲
Current portion of amounts payable after more than one year42€4k€1k▼
Trade debts44€4k€11k▲
Suppliers440/4€4k€11k▲
Taxes, remuneration and social security45€14k€12k▼
Taxes450/3€13k€11k▼
Remuneration and social security454/9€2k€2k=
Other amounts payable47/48€6k€36k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€11k▲
Other operating charges640/8€4k€986▼
Gross operating margin9900€84k€95k▲
Operating profit (loss)9901€70k€84k▲
Financial income75/76B€5k€6k▲
Recurring financial income75€5k€6k▲
Financial charges65/66B€6k€12k▲
Recurring financial charges65€6k€549▼
Non-recurring financial charges66B-€12k
Profit (loss) for the period before taxes9903€68k€78k▲
Income taxes67/77€19k€21k▲
Profit (loss) for the period9904€49k€57k▲
Profit (loss) for the period to be appropriated9905€49k€57k▲
Appropriation of the result
Profit (loss) to be appropriated9906€53k€60k▲
Profit (loss) brought forward from the previous period14P€3k€3k=
Transfer to equity691/2€49k€57k▲
To other reserves6921€49k€57k▲
The notes to these accounts (5 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
28-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €57k ▲15.1%
Operating result €84k, net result €57k, both a record.
06-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €200kEq €233k ▲26.9%
7 profitable years in a row build equity to €233k.
13-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity triplescurrent ratio 12.97
Current ratio from 4.48 to 12.97; short-term debt falls from €29k to €13k.
31-12
Financial
Equity above €150kEq €184k ▲38.2%
6 profitable years in a row build equity to €184k.
01-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
14-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
12-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 12 days late
2019
31-12
Financial
Weakest financial yearnet €2k ▼78.1%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €100kEq €101k ▲2.5%
2 profitable years in a row build equity to €101k.
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
13-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
16-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 16 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Boom
Ground area
811 m²
Building footprint
119 m²
Volume, LiDAR
1,004 m³
Parcel 11622C0642/00A002, Flanders · tallest building 11.0 m, ±3 floors. Linked by address, not a title deed.
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11622C0642/00A002 | Flanders | 811 m² | 1 · 119 m² | 11.0 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.
Public money · subsidies and aid
Flemish government
2023 to 2024 · 2 entries · 420 EUR awarded · 420 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 210 EUR | 210 EUR |
| 2023 | 1 | 210 EUR | 210 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
894500GOSSXWYN42NO05
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Of 12,173 companies in sector 69201 we hold annual accounts for 7,639. 6,190 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-12-1993
Fiscal year end31-12
Activities, NACEBEL
69201Certified accountants and tax accountants
69202Legal and accounting activities
74121
Sources
Crossroads Bank for EnterprisesNational Bank · 32 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:info@debet-credit.be