Faits et causes
ActiveThe computed 12-month bankruptcy probability of Faits et causes is 1.6% (moderate). The 2025 annual accounts show negative equity (€-62k) and a net result of €-36k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 31487 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency33▼-1
Growth32=
Stability94
Bankruptcy probability, 12 months
1.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.17 against 0.52 in 2024), and equity is negative.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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 2025Solvency, return and age of the figures
Solvency
-444.8%
Return on assets
-257.4%
Age of the figures
8 mo
raises risk · Negative equity
Equity is negative for financial year 2025: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
NBB · annual accounts 2025Equity per financial year
22232425
2022 to 2025 · latest year -€62k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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 · 4 filingsDeviation from the deadline
2025
27 d late
2024
3 d early
2023
12 d early
2022
13 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-62k▼ 137%
2024 · €-26k
2022: €4k
2023: €937
2024: €-26k
2022 → 2025
Total assets
€14k▼ 55.2%
2024 · €31k
2022: €13k
2023: €41k
2024: €31k
2022 → 2025
Net result
€-36k▼ 32.7%
2024 · €-27k
2022: €4k
2023: €-3k
2024: €-27k
2022 → 2025
Working capital
€-63k▼ 128%
2024 · €-28k
2022: €3k
2023: €-297
2024: €-28k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€4k-€937▼ 74.2%€-26k€-62k▼ 137%
Operating result€5k-€-3k€-27k▼ 966%€-36k▼ 32.0%
Net result€4k-€-3k€-27k▼ 909%€-36k▼ 32.7%
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 €36k in 2025 against €27k in 2024; the loss grows and 2025 is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €14k
Fixed assets
€892▼ 26.1%
Current assets
€13k▼ 56.4%
Key figures and ratios
EBITDA
€-35k▼
2024 · €-27k
Cash flow
€-36k▼
2024 · €-27k
Solvency
-444.8%▼
2024 · -83.9%
Current ratio
0.17▼
2024 · 0.52
Quick ratio
0.17▼
2024 · 0.52
Debt / equity
-1.22▲
2024 · -2.19
ROE
57.9%▼
2024 · 103.6%
ROA
-257.4%▼
2024 · -86.9%
Interest coverage
-106.35▲
2024 · -208.89
Debt
€76k▲
2024 · €58k
Debt ≤ 1 year
€76k▲
2024 · €58k
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€31k€14k▼
Fixed assets21/28€1k€892▼
Tangible fixed assets22/27€1k€892▼
Furniture and vehicles24€1k€892▼
Current assets29/58€30k€13k▼
Amounts receivable within one year40/41€26k€3k▼
Trade receivables40€26k€3k▼
Cash at bank and in hand54/58€4k€11k▲
Equity and liabilities
Total equity and liabilities10/49€31k€14k▼
Equity10/15€-26k€-62k▼
Contributions10/11€1€1=
Profit (loss) carried forward14€-26k€-62k▼
Amounts payable17/49€58k€76k▲
Amounts payable within one year42/48€58k€76k▲
Trade debts44€86€233▲
Suppliers440/4€86€233▲
Taxes, remuneration and social security45€222€0▼
Taxes450/3€222€0▼
Other amounts payable47/48€57k€76k▲
Accrued charges and deferred income492/3-€487
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€492€315▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€12k
Other operating charges640/8€387€400▲
Gross operating margin9900€-26k€-23k▲
Operating profit (loss)9901€-27k€-36k▼
Financial charges65/66B€127€334▲
Recurring financial charges65€127€334▲
Profit (loss) for the period before taxes9903€-27k€-36k▼
Profit (loss) for the period9904€-27k€-36k▼
Profit (loss) for the period to be appropriated9905€-27k€-36k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-26k€-62k▼
Profit (loss) brought forward from the previous period14P€936€-26k▼
The notes to these accounts (4 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
31-12
Financial
Weakest financial yearnet €-36k
Net result drops to €-36k, the lowest in the series.
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
19-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
13-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 13 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Sint-Lambrechts-Woluwe · 1 establishment unit since 2022
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.
Baden Powelllaan 61200 Sint-Lambrechts-WoluweGround area
877 m²
Building footprint
412 m²
Volume, LiDAR
7,401 m³
Parcel 21672C0266/00H000, Brussels · tallest building 20.6 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
Faits et causes
since 20222.327.205.687
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21672C0266/00H000 | Brussels | 877 m² | 1 · 412 m² | 20.6 m · 6 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.
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Of 82,218 companies in sector 70200 we hold annual accounts for 52,393. 4,667 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-01-2022
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 4 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.