DOBS
ActiveDOBS has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €114k and a net result of €64k. Equity is growing by ~24.8% per year across the filed fiscal years. Its solvency ranks better than 90% of 10230 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
100
/ 100
Excellent▲ +7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 4.59 against 3.09 in 2024), and 18.7% of the assets are financed with debt.
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
81.3%
Return on assets
45.8%
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 19-08-2026, 19 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 · 10 filingsDeviation from the deadline
2025
19 d late
2024
18 d late
2023
29 d late
2022
32 d late
2021
19 d late
2020
31 d late
2019
87 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€114k▲ 42.8%
2024 · €80k
2018: €24k
2019: €31k
2020: €30k
2021: €60k
2022: €61k
2023: €78k
2024: €80k
2018 → 2025
Total assets
€140k▲ 28.4%
2024 · €109k
2018: €54k
2019: €40k
2020: €36k
2021: €107k
2022: €99k
2023: €125k
2024: €109k
2018 → 2025
Net result
€64k▲ 82.6%
2024 · €35k
2018: €8k
2019: €7k
2020: €-1k
2021: €29k
2022: €1k
2023: €47k
2024: €35k
2018 → 2025
Working capital
€94k▲ 54.0%
2024 · €61k
2018: €17k
2019: €25k
2020: €28k
2021: €24k
2022: €27k
2023: €68k
2024: €61k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€60k-€61k▲ 1.8%€78k▲ 27.6%€80k▲ 2.8%€114k▲ 42.8%
Operating result€40k-€2k▼ 94.0%€65k▲ 2,641%€43k▼ 33.1%€83k▲ 92.4%
Net result€29k-€1k▼ 96.3%€47k▲ 4,253%€35k▼ 24.9%€64k▲ 82.6%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 92% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €140k
Fixed assets
€20k▲ 5.8%
Current assets
€120k▲ 33.1%
Equity and liabilities €140k
Equity
€114k▲ 42.8%
Debt
€26k▼ 10.7%
The debt ratio falls from 26.9% to 18.7%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€101k▲
2024 · €60k
Cash flow
€81k▲
2024 · €52k
Solvency
81.3%▲
2024 · 73.1%
Current ratio
4.59▲
2024 · 3.09
Quick ratio
4.59▲
2024 · 3.09
Debt / equity
0.23▼
2024 · 0.37
ROE
56.3%▲
2024 · 44.0%
ROA
45.8%▲
2024 · 32.2%
Interest coverage
163.13▲
2024 · 116.07
Debt
€26k▼
2024 · €29k
Debt ≤ 1 year
€26k▼
2024 · €29k
Income taxes
€19k▲
2024 · €8k
Staff costs
€319
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€109k€140k▲
Fixed assets21/28€19k€20k▲
Tangible fixed assets22/27€19k€20k▲
Furniture and vehicles24€18k€19k▲
Other tangible fixed assets26€881€681▼
Financial fixed assets28€25€25=
Current assets29/58€90k€120k▲
Amounts receivable after more than one year29-€17k
Other amounts receivable291-€17k
Stocks and contracts in progress3€0€0=
Stocks30/36€0€0=
Amounts receivable within one year40/41€40k€17k▼
Trade receivables40€39k€12k▼
Other amounts receivable41€1k€5k▲
Cash at bank and in hand54/58€50k€87k▲
Equity and liabilities
Total equity and liabilities10/49€109k€140k▲
Equity10/15€80k€114k▲
Contributions10/11€6k€6k=
Outside capital11€6k€6k=
Other1109/19€6k€6k=
Reserves13€68k€98k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€750€750=
Distributable reserves133€65k€95k▲
Profit (loss) carried forward14€6k€10k▲
Amounts payable17/49€29k€26k▼
Amounts payable within one year42/48€29k€26k▼
Current portion of amounts payable after more than one year42€688€0▼
Financial debts43€2k€0▼
Credit institutions430/8€2k€0▼
Trade debts44€23k€3k▼
Suppliers440/4€23k€3k▼
Taxes, remuneration and social security45€4k€23k▲
Taxes450/3€4k€23k▲
Remuneration and social security454/9-€319
Accrued charges and deferred income492/3€123-
Income statement
Code20242025
Remuneration, social security and pensions62-€319
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€17k▲
Other operating charges640/8€149€298▲
Gross operating margin9900€60k€101k▲
Operating profit (loss)9901€43k€83k▲
Financial income75/76B€1€333▲
Recurring financial income75€1€333▲
Financial charges65/66B€517€617▲
Recurring financial charges65€517€617▲
Profit (loss) for the period before taxes9903€43k€83k▲
Income taxes67/77€8k€19k▲
Profit (loss) for the period9904€35k€64k▲
Profit (loss) for the period to be appropriated9905€35k€64k▲
Appropriation of the result
Profit (loss) to be appropriated9906€59k€70k▲
Profit (loss) brought forward from the previous period14P€24k€6k▼
Transfer from equity791/2-€15k
Transfer to equity691/2€20k€45k▲
To other reserves6921€20k€45k▲
Profit to be distributed694/7€33k€30k▼
Return on contributions (dividend)694€18k€15k▼
Directors or managers695€15k€15k=
The notes to these accounts (6 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
19-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 19 days late
2025
31-12
Financial
Highest result since 2018net €64k ▲82.6%
Operating result €83k, net result €64k, both a record.
31-12
Financial
Equity above €100kEq €114k ▲42.8%
5 profitable years in a row build equity to €114k.
18-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 18 days late
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
19-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 19 days late
2021
31-12
Financial
Back to profitnet €29k
Net result €29k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Weakest financial yearnet €-1k ▼115%
Net result drops to €-1k, the lowest in the series; recovery starts the following year.
26-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 87 days late
2019
31-12
Financial
Liquidity triplescurrent ratio 4.83
Current ratio from 1.77 to 4.83; short-term debt falls from €22k to €7k.
06-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 37 days late
2018
27-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 58 days late
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Waterloo · 1 establishment unit since 2003
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.
Avenue du Clairpré 491410 WaterlooGround area
710 m²
Building footprint
132 m²
Parcel 25110A0471/00H000, Wallonia. Linked by address, not a title deed.
1 establishment unit
DOBS
since 20032.131.779.292
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25110A0471/00H000 | Wallonia | 710 m² | 1 · 132 m² | - |
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.
Similar companies · same sector, comparable size
HUSSAR
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Lasne · Eq €114k
Simar Belgium
BE 0896.682.747
Gent · Eq €114k
EURECO
BE 0451.688.022
Lier · Eq €114k
AXELLERIZE
BE 0797.086.909
Nijlen · Eq €114k
VANGUARD DECISION
BE 0472.397.522
Machelen (Brab.) · Eq €115k
Of 3,210 companies in sector 47400 we hold annual accounts for 1,795. 1,433 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-04-2003
Fiscal year end31-12
Activities, NACEBEL
47400Retail sale of information and communication equipment
47410Retail trade
52487
70200Business and other management consultancy
43211General electrical installation work
45310
62020IT consultancy
62200Computer consultancy and computer facilities management
71330
72100
72500
77330Rental and leasing activities
95100Repair and maintenance of computers and communication equipment
95110Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
Sources
Crossroads Bank for EnterprisesNational Bank · 23 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.