EN² CERT
ActiveEN² CERT has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €129k and a net result of €4k. Equity is growing by ~13.3% per year across the filed fiscal years. Its solvency ranks better than 69% of 7740 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▼-19
Solvency96▼-4
Growth52=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 6.35 against 5.23 in 2024; short-term debt: 10.4% and cash: 16.9% of total assets), and 29.2% 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 82
Relative position
BE, all sectors
reference
Sector 82
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
70.8%
Return on assets
2.4%
Age of the figures
9 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 07-09-2026, 38 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 · 3 filingsDeviation from the deadline
2025
38 d late
2024
151 d late
2023
497 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€129k▲ 4.7%
2024 · €123k
2023: €96k
2024: €123k
2023 → 2025
Total assets
€182k▲ 19.1%
2024 · €153k
2023: €131k
2024: €153k
2023 → 2025
Net result
€4k▼ 83.5%
2024 · €27k
2023: €31k
2024: €27k
2023 → 2025
Working capital
€101k▼ 1.1%
2024 · €102k
2023: €74k
2024: €102k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€96k-€123k▲ 28.1%€129k▲ 4.7%
Operating result€52k-€43k▼ 15.8%€8k▼ 80.5%
Net result€31k-€27k▼ 13.1%€4k▼ 83.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 81% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €182k
Fixed assets
€62k▲ 135%
Current assets
€120k▼ 5.0%
Equity and liabilities €182k
Equity
€129k▲ 4.7%
Debt
€53k▲ 78.8%
The debt ratio rises from 19.4% to 29.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€22k▼
2024 · €57k
Cash flow
€18k▼
2024 · €41k
Solvency
70.8%▼
2024 · 80.6%
Current ratio
6.35▲
2024 · 5.23
Quick ratio
6.35▲
2024 · 5.23
Debt / equity
0.41▲
2024 · 0.24
ROE
3.5%▼
2024 · 21.9%
ROA
2.4%▼
2024 · 17.7%
Interest coverage
9.53▼
2024 · 29.69
Debt
€53k▲
2024 · €30k
Debt ≤ 1 year
€19k▼
2024 · €24k
Debt > 1 year
€33k▲
2024 · €5k
Income taxes
€6k▼
2024 · €15k
Staff costs
€1k
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€153k€182k▲
Fixed assets21/28€26k€62k▲
Tangible fixed assets22/27€26k€62k▲
Land and buildings22-€45k
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€20k€12k▼
Other tangible fixed assets26€3k€3k▼
Financial fixed assets28€80€80=
Current assets29/58€126k€120k▼
Amounts receivable within one year40/41€63k€82k▲
Trade receivables40€5k€5k▲
Other amounts receivable41€58k€77k▲
Cash at bank and in hand54/58€63k€31k▼
Deferred charges and accrued income490/1-€7k
Equity and liabilities
Total equity and liabilities10/49€153k€182k▲
Equity10/15€123k€129k▲
Contributions10/11€2k€2k=
Reserves13€121k€127k▲
Distributable reserves133€121k€127k▲
Amounts payable17/49€30k€53k▲
Amounts payable after more than one year17€5k€33k▲
Financial debts170/4€5k€33k▲
Amounts payable within one year42/48€24k€19k▼
Current portion of amounts payable after more than one year42€8k€10k▲
Trade debts44€1k€4k▲
Suppliers440/4-€4k
Bills of exchange payable441€1k-
Taxes, remuneration and social security45€15k€6k▼
Taxes450/3€15k€6k▼
Accrued charges and deferred income492/3€749€1k▲
Income statement
Code20242025
Remuneration, social security and pensions62-€1k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€14k▲
Other operating charges640/8€6k€7k▲
Gross operating margin9900€63k€30k▼
Operating profit (loss)9901€43k€8k▼
Financial income75/76B€163€4k▲
Recurring financial income75€163€4k▲
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€42k€10k▼
Income taxes67/77€15k€6k▼
Profit (loss) for the period9904€27k€4k▼
Profit (loss) for the period to be appropriated9905€27k€4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€27k€4k▼
Transfer to equity691/2€27k€4k▼
To other reserves6921€27k€4k▼
The notes to these accounts (7 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
07-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 38 days late
20-03
State Gazette act
Registered officeRegistered-office move1 fact ▸
State Gazette act
Registered office
Registered-office move1 fact ▸
- Registered-office move, Luikersteenweg 414 te 3800 Sint-Truiden
2025
31-12
Financial
Weakest financial yearnet €4k ▼83.5%
Net result drops to €4k, the lowest in the series.
29-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 151 days late
10-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 497 days late
2024
31-12
Financial
Equity above €100kEq €123k ▲28.1%
2 profitable years in a row build equity to €123k.
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2024
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
09-01-2024
BRANS Patrick Mariette Guido: Resigned as Director
09-01-2024
MUSCH Lies: Resigned as Director
Location & real-estate footprint
Registered office, Sint-Truiden · 1 establishment unit since 2009
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.
Luikersteenweg 4143800 Sint-TruidenGround area
1,310 m²
Building footprint
370 m²
Volume, LiDAR
2,308 m³
2 parcels, Flanders · tallest building 10.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
EN²CERT
since 20092.177.183.212
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71009C0585/00K000 | Flanders | 922 m² | 1 · 251 m² | 9.2 m · 2 fl. |
| 71009A0462/00K002 | Flanders | 388 m² | 1 · 118 m² | 10.2 m · 2 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 815 EUR awarded · 1,008 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 350 EUR | 350 EUR |
| 2024 | 1 | 130 EUR | 130 EUR |
| 2023 | 1 | 85 EUR | 278 EUR |
| 2022 | 1 | 250 EUR | 250 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 24,503 companies in sector 82990 we hold annual accounts for 9,402. 7,166 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-02-2009
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.