FINDOK
ActiveFINDOK has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-9k) and a net result of €-1k. Equity is shrinking by ~52.2% per year across the filed fiscal years. Its solvency ranks better than 8% of 6963 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability85▼-15
Solvency33=
Growth58▲+26
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 0.07 against 0.16 in 2024), 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 2025Solvency, return and age of the figures
Solvency
-62.9%
Return on assets
-10.7%
Age of the figures
18 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 · 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
19202122232425
2019 to 2025 · latest year -€9k
neutral · Filed after the deadline
The financial year that closed on 01-03-2025 was due by 01-10-2025 and was filed on 31-10-2025, 30 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 · 10 filingsDeviation from the deadline
2025
30 d late
2024
27 d late
2023
56 d late
2022
28 d late
2021
42 d early
2020
9 d early
2019
18 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 01-03-2026 and is due by 01-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
01-03-2026 close14-09-2026 today01-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€-9k▼ 20.5%
2024 · €-7k
2019: €12k
2020: €10k
2021: €4k
2022: €4k
2023: €-3k
2024: €-7k
2019 → 2025
Total assets
€14k▼ 15.3%
2024 · €16k
2019: €17k
2020: €15k
2021: €8k
2022: €8k
2023: €19k
2024: €16k
2019 → 2025
Net result
€-1k▲ 66.8%
2024 · €-4k
2019: €-2k
2020: €-2k
2021: €-6k
2022: €229
2023: €-7k
2024: €-4k
2019 → 2025
Working capital
€-8k▼ 17.6%
2024 · €-7k
2019: €12k
2020: €10k
2021: €4k
2022: €4k
2023: €-2k
2024: €-7k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€4k-€4k▲ 5.5%€-3k€-7k▼ 161%€-9k▼ 20.5%
Operating result€-6k-€300€-7k€-4k▲ 41.1%€-1k▲ 73.3%
Net result€-6k-€229€-7k€-4k▲ 38.7%€-1k▲ 66.8%
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 stays negative: a loss of €1k in 2025 against €4k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €14k
Fixed assets
€13k▼ 12.1%
Current assets
€648▼ 50.9%
Key figures and ratios
EBITDA
€694▲
2024 · €-2k
Cash flow
€327▲
2024 · €-3k
Solvency
-62.9%▼
2024 · -44.3%
Current ratio
0.07▼
2024 · 0.16
Quick ratio
0.07▼
2024 · 0.16
Debt / equity
-2.59▲
2024 · -3.26
ROE
17.0%▼
2024 · 61.7%
ROA
-10.7%▲
2024 · -27.3%
Interest coverage
1.89▲
2024 · -7.11
Debt
€22k▼
2024 · €23k
Debt ≤ 1 year
€9k▲
2024 · €8k
Debt > 1 year
€13k▼
2024 · €15k
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€16k€14k▼
Fixed assets21/28€15k€13k▼
Tangible fixed assets22/27€15k€13k▼
Furniture and vehicles24€12k€11k▼
Other tangible fixed assets26€3k€2k▼
Current assets29/58€1k€648▼
Amounts receivable within one year40/41€1k-
Trade receivables40€1k-
Cash at bank and in hand54/58€149€648▲
Equity and liabilities
Total equity and liabilities10/49€16k€14k▼
Equity10/15€-7k€-9k▼
Contributions10/11€6k€6k=
Profit (loss) carried forward14€-13k€-15k▼
Amounts payable17/49€23k€22k▼
Amounts payable after more than one year17€15k€13k▼
Financial debts170/4€15k€13k▼
Amounts payable within one year42/48€8k€9k▲
Trade debts44-€544
Suppliers440/4-€544
Other amounts payable47/48€8k€8k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k=
Other operating charges640/8€291€204▼
Gross operating margin9900€-2k€898▲
Operating profit (loss)9901€-4k€-1k▲
Financial charges65/66B€319€367▲
Recurring financial charges65€319€367▲
Profit (loss) for the period before taxes9903€-4k€-1k▲
Profit (loss) for the period9904€-4k€-1k▲
Profit (loss) for the period to be appropriated9905€-4k€-1k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-13k€-15k▼
Profit (loss) brought forward from the previous period14P€-9k€-13k▼
The notes to these accounts (5 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
2025
31-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2024
28-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2023
26-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 56 days late
01-03
Financial
Weakest financial yearnet €-7k ▼3208%
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
2022
29-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
01-03
Financial
Back to profitnet €229
Net result €229 after 3 loss-making years.
2021
19-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2020
21-09
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2019
12-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
15-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
16-08
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
5 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, Lochristi · 1 establishment unit since 2011
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.
Kasseitje 249080 LochristiGround area
1,096 m²
Building footprint
212 m²
Parcel 44034C0593/00L004, Flanders. Linked by address, not a title deed.
1 establishment unit
FINDOK
since 20112.196.452.360
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44034C0593/00L004 | Flanders | 1,096 m² | 1 · 212 m² | - |
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 9,807 companies in sector 73110 we hold annual accounts for 3,724. 1,405 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-02-2011
Fiscal year end01-03
Activities, NACEBEL
73110Advertising agencies
74103Other professional, scientific and technical activities
74120Graphic design and visual communication
86904Human health activities
86931Psychology services
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesPhone:0498774063
Phone:09 355 98 31