ETCETERA
ActiveETCETERA has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show negative equity (€-17k) and a net result of €-14k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 16% of 26057 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2024
15
/ 100
Critical▲ +8 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency38▼-3
Growth32=
Stability100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.71 against 0.85 in 2023), and equity is negative.
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 · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
-21.6%
Return on assets
-18%
Age of the figures
20 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
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 →
raises risk · Negative equity
Equity is negative for financial year 2024: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year -€17k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 09-07-2025, 22 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
22 d early
2023
15 d early
2022
38 d early
2021
60 d early
2020
52 d early
2019
28 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€-17k▼ 497%
2023 · €-3k
2018: €13k
2019: €8k
2020: €13k
2021: €10k
2022: €12k
2023: €-3k
2018 → 2024
Total assets
€78k▼ 31.2%
2023 · €113k
2018: €128k
2019: €179k
2020: €167k
2021: €154k
2022: €151k
2023: €113k
2018 → 2024
Net result
€-14k▲ 4.0%
2023 · €-15k
2018: €3k
2019: €-5k
2020: €5k
2021: €-3k
2022: €2k
2023: €-15k
2018 → 2024
Working capital
€-28k▼ 74.5%
2023 · €-16k
2018: €10k
2019: €6k
2020: €10k
2021: €5k
2022: €3k
2023: €-16k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€13k-€10k▼ 23.7%€12k▲ 17.0%€-3k€-17k▼ 497%
Operating result€3k-€-3k€2k€-14k€-13k▲ 2.9%
Net result€5k-€-3k€2k€-15k€-14k▲ 4.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €13k in 2024 against €14k in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €78k
Fixed assets
€11k▼ 43.6%
Current assets
€67k▼ 28.6%
Key figures and ratios
EBITDA
€-5k▲
2023 · €-5k
Cash flow
€-5k▲
2023 · €-6k
Solvency
-21.6%▼
2023 · -2.5%
Current ratio
0.71▼
2023 · 0.85
Quick ratio
0.11▼
2023 · 0.13
Debt / equity
-5.64▲
2023 · -41.26
ROE
83.3%▼
2023 · 518.0%
ROA
-18.0%▼
2023 · -12.9%
Interest coverage
-19.63▼
2023 · -8.29
Debt
€95k▼
2023 · €116k
Debt ≤ 1 year
€95k▼
2023 · €110k
Income taxes
€491▼
2023 · €545
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€113k€78k▼
Fixed assets21/28€20k€11k▼
Tangible fixed assets22/27€20k€11k▼
Land and buildings22€460€304▼
Furniture and vehicles24€19k€11k▼
Current assets29/58€94k€67k▼
Stocks and contracts in progress3€79k€57k▼
Stocks30/36€79k€57k▼
Amounts receivable within one year40/41€8k€9▼
Other amounts receivable41€8k€9▼
Cash at bank and in hand54/58€5k€10k▲
Deferred charges and accrued income490/1€1k€230▼
Equity and liabilities
Total equity and liabilities10/49€113k€78k▼
Equity10/15€-3k€-17k▼
Contributions10/11€19k€19k=
Reserves13€13k€13k=
Tax-exempt reserves132€5k€5k=
Distributable reserves133€8k€8k=
Profit (loss) carried forward14€-35k€-49k▼
Amounts payable17/49€116k€95k▼
Amounts payable after more than one year17€7k-
Financial debts170/4€7k-
Amounts payable within one year42/48€110k€95k▼
Current portion of amounts payable after more than one year42€12k€7k▼
Trade debts44€9k€2k▼
Suppliers440/4€9k€2k▼
Taxes, remuneration and social security45€9k€4k▼
Taxes450/3€9k€4k▼
Other amounts payable47/48€79k€82k▲
Accrued charges and deferred income492/3€139€92▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€9k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€6k€-2k▼
Other operating charges640/8€2k€2k▲
Gross operating margin9900€3k€-4k▼
Operating profit (loss)9901€-14k€-13k▲
Financial income75/76B€249€5▼
Recurring financial income75€249€5▼
Financial charges65/66B€613€237▼
Recurring financial charges65€613€237▼
Profit (loss) for the period before taxes9903€-14k€-14k▲
Income taxes67/77€545€491▼
Profit (loss) for the period9904€-15k€-14k▲
Profit (loss) for the period to be appropriated9905€-15k€-14k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-35k€-49k▼
Profit (loss) brought forward from the previous period14P€-20k€-35k▼
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
2025
09-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
16-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-15k ▼951%
Net result drops to €-15k, the lowest in the series; recovery starts the following year.
23-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
01-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
09-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
2019
12-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 12 days late
2018
13-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
17-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 17 days late
2016
22-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2023
VANGOETHEM, Christine Simonne
CurrentDirector · since 06-11-2023
06-11-2023
Appointed as Director
Location & real-estate footprint
Registered office, Aarschot · 1 establishment unit since 1991
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.
Diestsestraat 173200 AarschotGround area
83 m²
Building footprint
50 m²
Volume, LiDAR
529 m³
Parcel 24662H0438/00C000, Flanders · tallest building 11.4 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Diestsestraat 17, 3200 Aarschot
since 19912.051.515.158
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24662H0438/00C000 | Flanders | 83 m² | 1 · 50 m² | 11.3 m · 4 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
ASPG
BE 0668.999.201
Jalhay · Eq €12k
Sales & Rental Services
BE 0739.758.622
Vorselaar · Eq €12k
Arcadia - Bastogne
BE 0435.879.792
Bastogne · Eq €12k
Very Happy
BE 0634.935.967
Hemiksem · Eq €12k
HUGOVIC
BE 0698.745.438
Waterloo · Eq €12k
Of 6,457 companies in sector 47716 we hold annual accounts for 2,423. 1,302 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-01-1991
Fiscal year end31-12
Activities, NACEBEL
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
52421
47722Retail trade
47784Retail sale of souvenirs and religious articles
47786Retail trade
52497
Sources
Crossroads Bank for EnterprisesNational Bank · 34 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.