ESSENTIONS
ActiveESSENTIONS has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.02M and a net result of €57k. Equity is growing by ~43.4% per year across the filed fiscal years. Its solvency ranks better than 93% of 16941 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
86
/ 100
Excellent▼ -14 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability28▼-72
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €90k at 30 days acceptable
Liquidity ample (current ratio 59.69 against 14.58 in 2024), and 5.9% 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 62
Relative position
BE, all sectors
reference
Sector 62
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
94.1%
Return on assets
5.3%
Age of the figures
18 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
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 23-10-2025, 8 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
8 d early
2024
3 d early
2023
4 d early
2022
6 d early
2021
9 d early
2020
2 d early
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close16-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.02M▲ 5.9%
2024 · €966k
2019: €159k
2020: €226k
2021: €310k
2022: €469k
2023: €672k
2024: €966k
2019 → 2025
Total assets
€1.09M▲ 2.2%
2024 · €1.06M
2019: €992k
2020: €980k
2021: €985k
2022: €735k
2023: €979k
2024: €1.06M
2019 → 2025
Net result
€57k▼ 80.5%
2024 · €294k
2019: €16k
2020: €67k
2021: €84k
2022: €159k
2023: €203k
2024: €294k
2019 → 2025
Working capital
€495k▲ 11.0%
2024 · €446k
2019: €149k
2020: €169k
2021: €244k
2022: €-95k
2023: €120k
2024: €446k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€310k-€469k▲ 51.3%€672k▲ 43.2%€966k▲ 43.8%€1.02M▲ 5.9%
Operating result€126k-€252k▲ 100%€293k▲ 16.4%€357k▲ 22.1%€86k▼ 76.0%
Net result€84k-€159k▲ 88.5%€203k▲ 27.4%€294k▲ 45.3%€57k▼ 80.5%
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 falls in 2025; 2025 is 76% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.09M
Fixed assets
€584k▼ 0.1%
Current assets
€503k▲ 5.2%
Equity and liabilities €1.09M
Equity
€1.02M▲ 5.9%
Debt
€64k▼ 34.2%
The debt ratio falls from 9.2% to 5.9%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€118k▼
2024 · €385k
Cash flow
€90k▼
2024 · €322k
Solvency
94.1%▲
2024 · 90.8%
Current ratio
59.69▲
2024 · 14.58
Quick ratio
59.69▲
2024 · 14.58
Debt / equity
0.06▼
2024 · 0.10
ROE
5.6%▼
2024 · 30.5%
ROA
5.3%▼
2024 · 27.7%
Interest coverage
403.86▼
2024 · 1111.46
Debt
€64k▼
2024 · €98k
Debt ≤ 1 year
€8k▼
2024 · €33k
Debt > 1 year
€17k=
2024 · €17k
Income taxes
€30k▼
2024 · €64k
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€1.06M€1.09M▲
Fixed assets21/28€585k€584k▼
Tangible fixed assets22/27€585k€584k▼
Land and buildings22€571k€547k▼
Furniture and vehicles24€3k€28k▲
Other tangible fixed assets26€12k€9k▼
Financial fixed assets28€363€363=
Current assets29/58€478k€503k▲
Amounts receivable after more than one year29€3k€3k=
Other amounts receivable291€3k€3k=
Amounts receivable within one year40/41€85k€68k▼
Trade receivables40€43k€33k▼
Other amounts receivable41€42k€35k▼
Cash at bank and in hand54/58€387k€427k▲
Deferred charges and accrued income490/1€4k€5k▲
Equity and liabilities
Total equity and liabilities10/49€1.06M€1.09M▲
Equity10/15€966k€1.02M▲
Contributions10/11€12k€12k=
Reserves13€770k€827k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€768k€825k▲
Profit (loss) carried forward14€184k€184k=
Amounts payable17/49€98k€64k▼
Amounts payable after more than one year17€17k€17k=
Other amounts payable178/9€17k€17k=
Amounts payable within one year42/48€33k€8k▼
Trade debts44€3k€8k▲
Suppliers440/4€3k€8k▲
Taxes, remuneration and social security45€29k€210▼
Taxes450/3€29k€210▼
Remuneration and social security454/9€895€0▼
Other amounts payable47/48€18€18=
Accrued charges and deferred income492/3€48k€39k▼
Income statement
Code20242025
Non-recurring operating income76A€216k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€32k▲
Other operating charges640/8€8k€8k▼
Gross operating margin9900€393k€126k▼
Operating profit (loss)9901€357k€86k▼
Financial income75/76B€992€2k▲
Recurring financial income75€992€2k▲
Financial charges65/66B€347€293▼
Recurring financial charges65€347€293▼
Profit (loss) for the period before taxes9903€358k€87k▼
Income taxes67/77€64k€30k▼
Profit (loss) for the period9904€294k€57k▼
Profit (loss) for the period to be appropriated9905€294k€57k▼
Appropriation of the result
Profit (loss) to be appropriated9906€478k€241k▼
Profit (loss) brought forward from the previous period14P€184k€184k=
Transfer to equity691/2€294k€57k▼
To other reserves6921€294k€57k▼
The notes to these accounts (9 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
2025
23-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Liquidity quadruplescurrent ratio 59.69
Current ratio from 14.58 to 59.69; short-term debt falls from €33k to €8k.
31-03
Financial
Equity above €1MEq €1.02M ▲5.9%
7 profitable years in a row build equity to €1.02M.
2024
28-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Highest result since 2019net €294k ▲45.3%
Operating result €357k, net result €294k, both a record.
31-03
Financial
Liquidity times 10current ratio 14.58
Current ratio from 1.52 to 14.58; short-term debt falls from €228k to €33k.
2023
27-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
31-03
Financial
Liquidity triplescurrent ratio 1.52
Current ratio from 0.47 to 1.52.
31-03
Financial
Equity above €500kEq €672k ▲43.2%
5 profitable years in a row build equity to €672k.
2022
25-10
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2021
22-10
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2020
29-10
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
31-03
Financial
Equity above €200kEq €226k ▲42.2%
2 profitable years in a row build equity to €226k.
2019
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
30-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
15-11
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 15 days late
2016
27-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
5 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, Gent · 1 establishment unit since 2013
Ground area
2,066 m²
Building footprint
604 m²
Volume, LiDAR
3,964 m³
2 parcels, Flanders · tallest building 10.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
ESSENTIONS
since 20132.218.373.172
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44051B1148/00D000 | Flanders | 1,607 m² | 1 · 203 m² | 7.0 m · 2 fl. |
| 23097C0850/00G000 | Flanders | 460 m² | 1 · 401 m² | 10.7 m · 3 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 · 1 entry · 1,080 EUR awarded · 1,080 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 1,080 EUR | 1,080 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 29,889 companies in sector 62200 we hold annual accounts for 18,319. 8,388 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-02-2013
Fiscal year end31-03
Abbreviation NL
-
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
47400Retail sale of information and communication equipment
47410Retail trade
62010Computer programming, consultancy and related activities
62100Computer programming
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.