DEFIBEL
ActiveDEFIBEL has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2023 annual accounts show negative equity (€-66k) and a net result of €-5k. Equity remains stable across the filed fiscal years (±1.3% per year). Its solvency ranks better than 9% of 34232 sector peers (fiscal year 2023). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2023
13
/ 100
Critical▲ +2 vs 2022
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2022
Profitability41▲+41
Solvency33=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.25 against 0.29 in 2022), and equity is negative.
Credit advice for your own amount and term
Signals
Seven 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 70
Relative position
BE, all sectors
reference
Sector 70
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 2023Solvency, return and age of the figures
Solvency
-4.4%
Return on assets
-0.4%
Age of the figures
41 mo
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
raises risk · Two or more financial years not filed
Since the financial year that closed on 31-03-2024, 2 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.
NBB · 9 filingsPosition against the passed deadline
31-03-2024 close31-10-2024 deadline13-09-2026 today
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2023 was due by 31-10-2023 and was filed on 31-10-2023, 0 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
not filed
2024
not filed
2023
on the day
2022
93 d late
2021
29 d late
2020
30 d late
2019
5 d late
← before the deadline
after the deadline →
Financials · fiscal year 2023, micro schema
Equity
€-66k▼ 8.9%
2022 · €-60k
2019: €-68k
2020: €-65k
2021: €-67k
2022: €-60k
2019 → 2023
Total assets
€1.48M▼ 2.2%
2022 · €1.51M
2019: €1.09M
2020: €1.83M
2021: €1.57M
2022: €1.51M
2019 → 2023
Net result
€-5k
2022 · €6k
2019: €-65k
2020: €4k
2021: €-2k
2022: €6k
2019 → 2023
Working capital
€-429k▼ 12.9%
2022 · €-380k
2019: €-354k
2020: €-810k
2021: €-849k
2022: €-380k
2019 → 2023
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20192020202120222023Trend
Equity€-68k-€-65k▲ 5.3%€-67k▼ 2.6%€-60k▲ 9.5%€-66k▼ 8.9%
Operating result€-47k-€31k€29k▼ 7.9%€34k▲ 19.1%€21k▼ 37.3%
Net result€-65k-€4k€-2k€6k€-5k
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 2023; 2023 is 37% below 2022.
Balance-sheet composition
2023 in colour, 2022 as the grey bar beneath
Assets €1.48M
Fixed assets
€1.33M▼ 1.4%
Current assets
€141k▼ 8.9%
Key figures and ratios
EBITDA
€70k▼
2022 · €79k
Cash flow
€44k▼
2022 · €52k
Solvency
-4.4%▼
2022 · -4.0%
Current ratio
0.25▼
2022 · 0.29
Quick ratio
0.25▼
2022 · 0.29
Debt / equity
-23.53▲
2022 · -26.08
ROE
8.2%▲
2022 · -10.5%
ROA
-0.4%▼
2022 · 0.4%
Interest coverage
2.67▼
2022 · 2.88
Debt
€1.54M▼
2022 · €1.57M
Debt ≤ 1 year
€571k▲
2022 · €536k
Debt > 1 year
€964k▼
2022 · €1.03M
Income taxes
€299▲
2022 · €124
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 · 2023 against 2022
Balance sheet
Code20222023
Assets
Total assets20/58€1.51M€1.48M▼
Fixed assets21/28€1.35M€1.33M▼
Tangible fixed assets22/27€1.35M€1.33M▼
Land and buildings22€1.33M€1.30M▼
Furniture and vehicles24€27k€37k▲
Current assets29/58€155k€141k▼
Amounts receivable within one year40/41€153k€126k▼
Trade receivables40€153k€126k▼
Cash at bank and in hand54/58€2k€14k▲
Deferred charges and accrued income490/1-€2k
Equity and liabilities
Total equity and liabilities10/49€1.51M€1.48M▼
Equity10/15€-60k€-66k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€-81k€-86k▼
Amounts payable17/49€1.57M€1.54M▼
Amounts payable after more than one year17€1.03M€964k▼
Financial debts170/4€1.03M€964k▼
Amounts payable within one year42/48€536k€571k▲
Current portion of amounts payable after more than one year42€61k€62k▲
Financial debts43€1k-
Credit institutions430/8€1k-
Trade debts44€56k€28k▼
Suppliers440/4€56k€28k▼
Advances received on contracts in progress46€16k-
Taxes, remuneration and social security45€56k€34k▼
Taxes450/3€56k€34k▼
Other amounts payable47/48€346k€447k▲
Accrued charges and deferred income492/3€8k€7k▼
Income statement
Code20222023
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€45k€49k▲
Other operating charges640/8€7k€9k▲
Gross operating margin9900€86k€80k▼
Operating profit (loss)9901€34k€21k▼
Financial charges65/66B€28k€26k▼
Recurring financial charges65€28k€26k▼
Profit (loss) for the period before taxes9903€6k€-5k▼
Income taxes67/77€124€299▲
Profit (loss) for the period9904€6k€-5k▼
Profit (loss) for the period to be appropriated9905€6k€-5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-81k€-86k▼
Profit (loss) brought forward from the previous period14P€-87k€-81k▲
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
01-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 93 days late
2022
31-03
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
2021
29-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
31-03
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
2019
05-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 5 days late
2018
31-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
24-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
07-10
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2015
19-10
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
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, Ukkel · 1 establishment unit since 2013
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.
Winston Churchilllaan 192a1180 UkkelGround area
3,577 m²
Building footprint
762 m²
Volume, LiDAR
14,527 m³
2 parcels, Brussels, Flanders · tallest building 29.5 m, ±9 floors. Linked by address, not a title deed.
1 establishment unit
Grasmusdreef 43, 1630 Linkebeek
since 20132.231.142.530
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21612C0003/00E021 | Brussels | 2,250 m² | 1 · 546 m² | 29.5 m · 9 fl. |
| 22003B0030/00W004 | Flanders | 1,328 m² | 1 · 216 m² | 13.1 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 82,218 companies in sector 70200 we hold annual accounts for 52,395. 22,442 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-12-2013
Fiscal year end31-03
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 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.