FINANCIUM
ActiveFINANCIUM has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2023 annual accounts show equity of €51k and a net result of €46k. Equity is shrinking by ~30.1% per year across the filed fiscal years. Its solvency ranks better than 37% of 8573 sector peers (fiscal year 2023). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2023
94
/ 100
Excellent▲ +49 vs 2022
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2022
Profitability100▲+100
Solvency75▲+46
Growth78▲+20
Stability100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days only on tighter terms
Liquidity ample (current ratio 5.48 against 1.23 in 2022), but 66.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
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 2023Solvency, return and age of the figures
Solvency
33.4%
Return on assets
30.2%
Age of the figures
32 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
lowers risk · Growing equity
Equity grew over 2021-2023. Profits are largely retained rather than distributed.
NBB · annual accounts 2023Equity per financial year
181920212223
2018 to 2023 · latest year €51k
raises risk · Two or more financial years not filed
Since the financial year that closed on 31-12-2024, 2 financial years are missing at the National Bank. A company this far behind goes bankrupt within the year nineteen times as often as a punctual filer.
NBB · 9 filingsPosition against the passed deadline
31-12-2024 close31-07-2025 deadline13-09-2026 today
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2023 was due by 31-07-2024 and was filed on 09-09-2026, 770 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 9 filingsDeviation from the deadline
2025
not confirmed
2024
not filed
2023
770 d late
2022
231 d late
2021
26 d late
2020
87 d late
2019
144 d late
← before the deadline
after the deadline →
Financials · fiscal year 2023, micro schema
Equity
€51k▲ 962%
2022 · €5k
2018: €24k
2019: €25k
2020: €17k
2021: €8k
2022: €5k
2018 → 2023
Total assets
€152k▲ 513%
2022 · €25k
2018: €377k
2019: €355k
2020: €344k
2021: €28k
2022: €25k
2018 → 2023
Net result
€46k
2022 · €-3k
2018: €-14k
2019: €823
2020: €-7k
2021: €-10k
2022: €-3k
2018 → 2023
Working capital
€117k▲ 2,397%
2022 · €5k
2018: €57k
2019: €45k
2020: €30k
2021: €13k
2022: €5k
2018 → 2023
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20192020202120222023Trend
Equity€25k-€17k▼ 30.1%€8k▼ 56.4%€5k▼ 36.9%€51k▲ 962%
Operating result€-624-€-6k▼ 920%€-10k▼ 55.7%€-2k▲ 74.9%€52k
Net result€823-€-7k€-10k▼ 30.8%€-3k▲ 71.6%€46k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2023: €52k after a loss of €2k in 2022, the highest year so far.
Balance-sheet composition
2023 in colour, 2022 as the grey bar beneath
Assets €152k
Fixed assets
€9k▲ 9,747%
Current assets
€143k▲ 479%
Equity and liabilities €152k
Equity
€51k▲ 962%
Debt
€101k▲ 406%
The debt ratio falls from 80.7% to 66.6%: equity grows faster than debt.
Key figures and ratios
EBITDA
€52k
Cash flow
€46k
Solvency
33.4%▲
2022 · 19.3%
Current ratio
5.48▲
2022 · 1.23
Quick ratio
5.48▲
2022 · 1.23
Debt / equity
2.00▼
2022 · 4.19
ROE
90.6%▲
2022 · -58.4%
ROA
30.2%▲
2022 · -11.2%
Interest coverage
77.55
Debt
€101k▲
2022 · €20k
Debt ≤ 1 year
€26k▲
2022 · €20k
Debt > 1 year
€75k▲
2022 · €0
Income taxes
€10k
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 · 2023 against 2022
Balance sheet
Code20222023
Assets
Total assets20/58€25k€152k▲
Fixed assets21/28€90€9k▲
Tangible fixed assets22/27-€9k
Furniture and vehicles24-€9k
Financial fixed assets28€90€90=
Current assets29/58€25k€143k▲
Amounts receivable within one year40/41€24k€109k▲
Trade receivables40€2k€4k▲
Other amounts receivable41€22k€104k▲
Cash at bank and in hand54/58€645€33k▲
Deferred charges and accrued income490/1-€1k
Equity and liabilities
Total equity and liabilities10/49€25k€152k▲
Equity10/15€5k€51k▲
Contributions10/11€12k€12k=
Reserves13€2k€2k=
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€-9k€36k▲
Amounts payable17/49€20k€101k▲
Amounts payable after more than one year17€0€75k▲
Financial debts170/4€0€75k▲
Amounts payable within one year42/48€20k€26k▲
Current portion of amounts payable after more than one year42€6k€0▼
Financial debts43-€1k
Credit institutions430/8-€1k
Trade debts44€8k€15k▲
Suppliers440/4€8k€15k▲
Taxes, remuneration and social security45-€10k
Taxes450/3-€10k
Other amounts payable47/48€6k€0▼
Income statement
Code20222023
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€68
Other operating charges640/8€902€368▼
Gross operating margin9900€-2k€52k▲
Operating profit (loss)9901€-2k€52k▲
Financial income75/76B€0€4k▲
Recurring financial income75€0€4k▲
Financial charges65/66B€291€670▲
Recurring financial charges65€291€670▲
Profit (loss) for the period before taxes9903€-3k€55k▲
Income taxes67/77-€10k
Profit (loss) for the period9904€-3k€46k▲
Profit (loss) for the period to be appropriated9905€-3k€46k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-9k€36k▲
Profit (loss) brought forward from the previous period14P€-7k€-9k▼
Transfer from equity791/2€0-
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
09-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 770 days late
2024
18-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 231 days late
2023
31-12
Financial
Back to profitnet €46k
Net result €46k after 3 loss-making years.
31-12
Financial
Liquidity quadruplescurrent ratio 5.48
Current ratio from 1.23 to 5.48.
2022
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
26-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 87 days late
2020
22-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 144 days late
2019
31-12
Financial
Back to profitnet €823
Net result €823 after one loss-making year.
04-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 96 days late
2018
05-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 66 days late
2017
28-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 59 days late
2016
19-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 19 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, Antwerpen · 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.
Bredabaan 4992170 AntwerpenGround area
197 m²
Building footprint
197 m²
Volume, LiDAR
2,371 m³
Parcel 11422C0294/00T023, Flanders · tallest building 17.3 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Bredabaan 499, 2170 Antwerpen
since 20222.336.994.769
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11422C0294/00T023 | Flanders | 197 m² | 1 · 197 m² | 17.3 m · 5 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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 51 EUR awarded · 51 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 51 EUR | 51 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
Crazy Vibes
BE 0632.528.288
Dendermonde · Eq €51k
BEMALU
BE 0734.584.166
Wingene · Eq €51k
MEDICONED
BE 0807.939.229
Mechelen · Eq €51k
Warrant
BE 0414.260.076
Watermaal-Bosvoorde · Eq €51k
Olivier Mansy Management
BE 0627.875.753
Seneffe · Eq €51k
Of 24,424 companies in sector 82990 we hold annual accounts for 9,361. 6,861 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-09-2014
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 9 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.