Different Class
ActiveDifferent Class has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €29k and a net result of €10k. Its solvency ranks better than 31% of 7687 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
83
/ 100
Excellent▲ +10 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency63▲+14
Growth52
Stability82
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 2.91 against 2.38 in 2024), but 73.4% 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 · Young company
A young company has little track record yet and statistically fails more often than an established one.
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 82
Relative position
BE, all sectors
reference
Sector 82
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
26.6%
Return on assets
9.4%
Age of the figures
8 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 01-07-2026, 30 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
30 d early
2024
27 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€29k▲ 54.3%
2024 · €19k
2024: €19k
2024 → 2025
Total assets
€110k▲ 20.1%
2024 · €92k
2024: €92k
2024 → 2025
Net result
€10k▼ 31.2%
2024 · €15k
2024: €15k
2024 → 2025
Working capital
€67k▲ 40.9%
2024 · €47k
2024: €47k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€19k-€29k▲ 54.3%
Operating result€20k-€17k▼ 17.8%
Net result€15k-€10k▼ 31.2%
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 18% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €110k
Fixed assets
€9k▼ 13.5%
Current assets
€102k▲ 24.2%
Equity and liabilities €110k
Equity
€29k▲ 54.3%
Debt
€81k▲ 11.2%
The debt ratio falls from 79.3% to 73.4%: equity grows faster than debt.
Key figures and ratios
EBITDA
€20k▼
2024 · €22k
Cash flow
€14k▼
2024 · €16k
Solvency
26.6%▲
2024 · 20.7%
Current ratio
2.91▲
2024 · 2.38
Quick ratio
2.91▲
2024 · 2.38
Debt / equity
2.76▼
2024 · 3.83
ROE
35.2%▼
2024 · 78.9%
ROA
9.4%▼
2024 · 16.3%
Interest coverage
8.20▼
2024 · 25.77
Debt
€81k▲
2024 · €73k
Debt ≤ 1 year
€35k▲
2024 · €34k
Income taxes
€4k▼
2024 · €4k
Staff costs
€29k▼
2024 · €34k
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€92k€110k▲
Fixed assets21/28€10k€9k▼
Intangible fixed assets21€2€2k▲
Tangible fixed assets22/27€10k€7k▼
Furniture and vehicles24€7k€4k▼
Leasing and similar rights25€3k€3k▼
Current assets29/58€82k€102k▲
Amounts receivable within one year40/41€22k€57k▲
Trade receivables40€19k€44k▲
Other amounts receivable41€3k€12k▲
Cash at bank and in hand54/58€58k€39k▼
Deferred charges and accrued income490/1€2k€6k▲
Equity and liabilities
Total equity and liabilities10/49€92k€110k▲
Equity10/15€19k€29k▲
Contributions10/11€4k€4k=
Profit (loss) carried forward14€15k€25k▲
Amounts payable17/49€73k€81k▲
Amounts payable within one year42/48€34k€35k▲
Trade debts44€2k€3k▲
Suppliers440/4€2k€3k▲
Taxes, remuneration and social security45€32k€32k▲
Taxes450/3€19k€22k▲
Remuneration and social security454/9€13k€10k▼
Accrued charges and deferred income492/3€38k€46k▲
Income statement
Code20242025
Remuneration, social security and pensions62€34k€29k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€3k▲
Other operating charges640/8€181€578▲
Gross operating margin9900€56k€49k▼
Operating profit (loss)9901€20k€17k▼
Financial income75/76B€52€25▼
Recurring financial income75€52€25▼
Financial charges65/66B€836€2k▲
Recurring financial charges65€836€2k▲
Profit (loss) for the period before taxes9903€19k€14k▼
Income taxes67/77€4k€4k▼
Profit (loss) for the period9904€15k€10k▼
Profit (loss) for the period to be appropriated9905€15k€10k▼
Appropriation of the result
Profit (loss) to be appropriated9906€15k€25k▲
Profit (loss) brought forward from the previous period14P-€15k
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
Next filing, fiscal year 2026, expected by
2026
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
04-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
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, Gent · 1 establishment unit since 2024
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.
Dendermondsesteenweg 809000 GentGround area
847 m²
Building footprint
339 m²
Volume, LiDAR
2,604 m³
Parcel 44804D0196/00A004, Flanders · tallest building 10.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Different Class
since 20242.361.170.436
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44804D0196/00A004 | Flanders | 847 m² | 1 · 339 m² | 10.9 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
2025 · 1 entry · 2,039 EUR awarded · 2,039 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 2,039 EUR | 2,039 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 24,424 companies in sector 82990 we hold annual accounts for 9,361. 6,315 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-07-2024
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
90202Performing arts by artistic ensembles
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.