ESTATE TODAY
ActiveESTATE TODAY has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €518k and a net result of €1k. Equity is growing by ~3.3% per year across the filed fiscal years. Its solvency ranks better than 72% of 19345 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability1▼-6
Solvency65=
Growth52=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity short (current ratio 0.17 against 0.18 in 2023), and 39.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 68
Relative position
BE, all sectors
reference
Sector 68
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
neutral · A punctual record breaks
This company filed 8 consecutive financial years on time. The year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
29 d late
2023
40 d early
2022
67 d early
2021
54 d early
2020
39 d early
2019
32 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€518k▲ 0.1%
2023 · €518k
2018: €418k
2019: €420k
2020: €483k
2021: €505k
2022: €510k
2023: €518k
2018 → 2024
Total assets
€854k▼ 1.9%
2023 · €871k
2018: €935k
2019: €900k
2020: €926k
2021: €928k
2022: €882k
2023: €871k
2018 → 2024
Net result
€1k▼ 82.4%
2023 · €7k
2018: €27k
2019: €2k
2020: €63k
2021: €22k
2022: €5k
2023: €7k
2018 → 2024
Working capital
€-231k▼ 0.1%
2023 · €-231k
2018: €-122k
2019: €-139k
2020: €-238k
2021: €-230k
2022: €-237k
2023: €-231k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€483k-€505k▲ 4.6%€510k▲ 1.0%€518k▲ 1.4%€518k▲ 0.1%
Operating result€78k-€38k▼ 50.4%€22k▼ 42.1%€28k▲ 27.0%€15k▼ 48.2%
Net result€63k-€22k▼ 64.7%€5k▼ 76.2%€7k▲ 36.7%€1k▼ 82.4%
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 2024; 2024 is 48% below 2023 and is the lowest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €854k
Fixed assets
€807k▼ 1.7%
Current assets
€47k▼ 5.2%
Equity and liabilities €854k
Equity
€518k▲ 0.1%
Debt
€336k▼ 4.8%
The debt ratio falls from 40.6% to 39.4%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€28k▼
2023 · €42k
Cash flow
€15k▼
2023 · €21k
Solvency
60.6%▲
2023 · 59.4%
Current ratio
0.17▼
2023 · 0.18
Quick ratio
0.17▼
2023 · 0.18
Debt / equity
0.65▼
2023 · 0.68
ROE
0.2%▼
2023 · 1.4%
ROA
0.1%▼
2023 · 0.8%
Interest coverage
1.82▼
2023 · 2.32
Debt
€336k▼
2023 · €353k
Debt ≤ 1 year
€278k▼
2023 · €280k
Debt > 1 year
€58k▼
2023 · €73k
Income taxes
€354▼
2023 · €3k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€871k€854k▼
Fixed assets21/28€821k€807k▼
Tangible fixed assets22/27€771k€757k▼
Land and buildings22€647k€634k▼
Furniture and vehicles24€935€638▼
Other tangible fixed assets26€123k€123k=
Financial fixed assets28€50k€50k=
Current assets29/58€50k€47k▼
Amounts receivable within one year40/41€47k€44k▼
Trade receivables40-€5k
Other amounts receivable41€47k€39k▼
Cash at bank and in hand54/58€3k€2k▼
Deferred charges and accrued income490/1-€800
Equity and liabilities
Total equity and liabilities10/49€871k€854k▼
Equity10/15€518k€518k▲
Contributions10/11€19k€19k=
Revaluation surpluses12€458k€458k=
Reserves13€48k€0▼
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€48k€0▼
Profit (loss) carried forward14€-8k€41k▲
Amounts payable17/49€353k€336k▼
Amounts payable after more than one year17€73k€58k▼
Financial debts170/4€73k€58k▼
Amounts payable within one year42/48€280k€278k▼
Current portion of amounts payable after more than one year42€14k€15k▲
Financial debts43€250k€250k=
Credit institutions430/8€250k€250k=
Trade debts44€4k€1k▼
Suppliers440/4€4k€1k▼
Taxes, remuneration and social security45€12k€9k▼
Taxes450/3€12k€9k▼
Other amounts payable47/48-€3k
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€14k=
Other operating charges640/8€4k€4k▲
Gross operating margin9900€46k€33k▼
Operating profit (loss)9901€28k€15k▼
Financial income75/76B€0€3k▲
Recurring financial income75€0€3k▲
Financial charges65/66B€18k€16k▼
Recurring financial charges65€18k€16k▼
Profit (loss) for the period before taxes9903€10k€2k▼
Income taxes67/77€3k€354▼
Profit (loss) for the period9904€7k€1k▼
Profit (loss) for the period to be appropriated9905€7k€1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-8k€-7k▲
Profit (loss) brought forward from the previous period14P€-15k€-8k▲
Transfer from equity791/2-€48k
Profit to be distributed694/7-€833
Return on contributions (dividend)694-€833
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Weakest financial yearnet €1k ▼82.4%
Net result drops to €1k, the lowest in the series.
21-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
25-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
07-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €500kEq €505k ▲4.6%
4 profitable years in a row build equity to €505k.
22-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €63k ▲2628%
Operating result €78k, net result €63k, both a record.
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
14-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
04-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
13-12
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 135 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Koksijde · 1 establishment unit since 2010
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.
Weststraat(Odk) 298670 KoksijdeGround area
1,170 m²
Building footprint
234 m²
Volume, LiDAR
1,077 m³
Parcel 38502E0310/00G000, Flanders · tallest building 6.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Estate Today
since 20102.182.155.649
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38502E0310/00G000 | Flanders | 1,170 m² | 1 · 234 m² | 6.3 m · 2 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.
Similar companies · same sector, comparable size
NOVEMA
BE 0437.202.061
Sint-Gillis (bij-Brussel) · Eq €518k
HAESAERT T.
BE 0839.805.115
Lievegem · Eq €518k
ALLRES
BE 0894.716.815
Sint-Katelijne-Waver · Eq €517k
ARDEA
BE 0471.317.456
Kalmthout · Eq €519k
ALTERNATIVE
BE 0687.841.252
Watermaal-Bosvoorde · Eq €519k
Of 11,702 companies in sector 68310 we hold annual accounts for 6,876. 4,525 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-10-1995
Fiscal year end31-12
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
70311
Sources
Crossroads Bank for EnterprisesNational Bank · 29 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.