FIN-CONSULT
ActiveFIN-CONSULT has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €5.52M and a net result of €368k. Equity is growing by ~16% per year across the filed fiscal years. Its solvency ranks better than 94% of 6974 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
86
/ 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
Profitability77▲+2
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €470k at 30 days acceptable
Liquidity ample (current ratio 12.44 against 15.06 in 2024; short-term debt: 4.8% and cash: 26% of total assets), and 5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
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
95%
Return on assets
6.3%
Age of the figures
12 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 30-09-2025 was due by 30-04-2026 and was filed on 23-03-2026, 38 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
38 d early
2024
35 d early
2023
41 d early
2022
32 d early
2021
24 d early
2020
24 d early
2019
27 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
16-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€5.52M▲ 7.1%
2024 · €5.16M
2018: €1.80M
2019: €2.11M
2020: €2.23M
2021: €2.44M
2022: €4.60M
2023: €4.87M
2024: €5.16M
2018 → 2025
Total assets
€5.81M▲ 8.0%
2024 · €5.38M
2018: €2.08M
2019: €2.34M
2020: €2.32M
2021: €2.53M
2022: €4.78M
2023: €5.49M
2024: €5.38M
2018 → 2025
Net result
€368k▲ 29.0%
2024 · €285k
2018: €181k
2019: €303k
2020: €126k
2021: €207k
2022: €251k
2023: €527k
2024: €285k
2018 → 2025
Working capital
€3.21M▲ 0.6%
2024 · €3.19M
2018: €1.66M
2019: €1.96M
2020: €2.08M
2021: €2.29M
2022: €3.64M
2023: €3.21M
2024: €3.19M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2.44M-€4.60M▲ 88.4%€4.87M▲ 5.9%€5.16M▲ 5.9%€5.52M▲ 7.1%
Operating result€261k-€253k▼ 2.8%€492k▲ 94.0%€356k▼ 27.6%€472k▲ 32.5%
Net result€207k-€251k▲ 21.2%€527k▲ 110%€285k▼ 45.9%€368k▲ 29.0%
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 recovers in 2025; 2025 is 33% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €5.81M
Fixed assets
€2.32M▲ 18.2%
Current assets
€3.49M▲ 2.1%
Equity and liabilities €5.81M
Equity
€5.52M▲ 7.1%
Debt
€289k▲ 27.0%
The debt ratio rises from 4.2% to 5.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€534k▲
2024 · €411k
Cash flow
€430k▲
2024 · €340k
Solvency
95.0%▼
2024 · 95.8%
Current ratio
12.44▼
2024 · 15.06
Quick ratio
12.44▼
2024 · 15.06
Debt / equity
0.05▲
2024 · 0.04
ROE
6.7%▲
2024 · 5.5%
ROA
6.3%▲
2024 · 5.3%
Interest coverage
54.28▼
2024 · 330.05
Debt
€289k▲
2024 · €227k
Debt ≤ 1 year
€281k▲
2024 · €227k
Income taxes
€130k▲
2024 · €99k
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€5.38M€5.81M▲
Fixed assets21/28€1.96M€2.32M▲
Tangible fixed assets22/27€1.40M€1.76M▲
Land and buildings22€1.40M€1.76M▲
Plant, machinery and equipment23€251-
Furniture and vehicles24-€1k
Financial fixed assets28€560k€560k=
Current assets29/58€3.42M€3.49M▲
Amounts receivable after more than one year29€91k€46k▼
Other amounts receivable291€91k€46k▼
Amounts receivable within one year40/41€1.16M€1.43M▲
Trade receivables40€140k€299k▲
Other amounts receivable41€1.02M€1.13M▲
Current investments50/53€502k€502k=
Cash at bank and in hand54/58€1.66M€1.51M▼
Deferred charges and accrued income490/1€569€2k▲
Equity and liabilities
Total equity and liabilities10/49€5.38M€5.81M▲
Equity10/15€5.16M€5.52M▲
Contributions10/11€676k€676k=
Reserves13€4.48M€4.85M▲
Distributable reserves133€4.48M€4.85M▲
Amounts payable17/49€227k€289k▲
Amounts payable within one year42/48€227k€281k▲
Financial debts43-€25k
Credit institutions430/8-€25k
Trade debts44€12k€396▼
Suppliers440/4€12k€396▼
Taxes, remuneration and social security45€95k€131k▲
Taxes450/3€95k€131k▲
Other amounts payable47/48€120k€125k▲
Accrued charges and deferred income492/3-€8k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€55k€62k▲
Other operating charges640/8€4k€4k▲
Gross operating margin9900€415k€538k▲
Operating profit (loss)9901€356k€472k▲
Financial income75/76B€29k€36k▲
Recurring financial income75€29k€36k▲
Financial charges65/66B€1k€10k▲
Recurring financial charges65€1k€10k▲
Profit (loss) for the period before taxes9903€384k€498k▲
Income taxes67/77€99k€130k▲
Profit (loss) for the period9904€285k€368k▲
Profit (loss) for the period to be appropriated9905€285k€368k▲
Appropriation of the result
Profit (loss) to be appropriated9906€285k€368k▲
Transfer to equity691/2€285k€368k▲
To other reserves6921€285k€368k▲
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
23-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
26-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Liquidity doublescurrent ratio 15.06
Current ratio from 6.17 to 15.06; short-term debt falls from €622k to €227k.
30-09
Financial
Equity above €5MEq €5.16M ▲5.9%
7 profitable years in a row build equity to €5.16M.
20-03
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-09
Financial
Highest result since 2018net €527k ▲110%
Operating result €492k, net result €527k, both a record.
29-03
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
06-04
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
06-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Weakest financial yearnet €126k ▼58.5%
Net result drops to €126k, the lowest in the series; recovery starts the following year.
30-09
Financial
Liquidity triplescurrent ratio 27.67
Current ratio from 10.76 to 27.67; short-term debt falls from €201k to €78k.
03-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Equity above €2MEq €2.11M ▲16.8%
2 profitable years in a row build equity to €2.11M.
02-04
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
09-04
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
27-04
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.
Directors · office · real estate
Directors
4 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, Wortegem-Petegem · 1 establishment unit since 1999
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.
St. Martinusstraat (P.) 149790 Wortegem-PetegemGround area
1,530 m²
Building footprint
178 m²
Volume, LiDAR
1,402 m³
Parcel 45039B0147/00K002, Flanders · tallest building 12.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
St. Martinusstraat (P.) 14, 9790 Wortegem-Petegem
since 19992.086.979.645
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45039B0147/00K002 | Flanders | 1,530 m² | 1 · 178 m² | 12.9 m · 3 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.
Recognitions · licences · registrations
Legal Entity Identifier
875500WG1VYSWS443X16
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Of 2,716 companies in sector 73200 we hold annual accounts for 1,785. 498 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-02-1998
Fiscal year end30-09
Activities, NACEBEL
73200Market research and public opinion polling
74131
Sources
Crossroads Bank for EnterprisesNational Bank · 27 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.