FIVE YEARS
ActiveFIVE YEARS has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €88k and a net result of €10k. Equity is growing by ~8% per year across the filed fiscal years. Its solvency ranks better than 10% of 37972 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability56▲+15
Solvency12=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity tight (current ratio 1.0 against 1.01 in 2023), and 99.7% of the assets are financed with debt.
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
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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
0.3%
Return on assets
0%
Age of the figures
20 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 37972 sector peers (2024).
NBB · sector comparisonPosition among 37972 sector peers
Solvency
better than 10%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 25-08-2025, 25 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
not confirmed
2024
25 d late
2023
30 d late
2022
3 d early
2021
26 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€88k▲ 12.7%
2023 · €78k
2021: €72k
2022: €72k
2023: €78k
2021 → 2024
Total assets
€29.94M▲ 0.3%
2023 · €29.85M
2021: €72k
2022: €72k
2023: €29.85M
2021 → 2024
Net result
€10k▲ 53.1%
2023 · €6k
2021: €-3k
2022: €-406
2023: €6k
2021 → 2024
Working capital
€98k▼ 40.9%
2023 · €166k
2021: €72k
2023: €166k
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€72k-€72k▼ 0.6%€78k▲ 9.0%€88k▲ 12.7%
Operating result€-2k-€-348▲ 86.0%€299k€1.00M▲ 235%
Net result€-3k-€-406▲ 85.9%€6k€10k▲ 53.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen three years in a row; 2024 is 235% above 2023 and is the highest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €29.94M
Equity
€88k▲ 12.7%
Debt
€29.86M▲ 0.3%
The debt ratio stays at 99.7%.
Key figures and ratios
Solvency
0.3%▲
2023 · 0.3%
Current ratio
1.00▼
2023 · 1.01
Quick ratio
0.00▼
2023 · 0.01
ROE
11.3%▲
2023 · 8.3%
ROA
0.0%▲
2023 · 0.0%
Debt
€29.86M▲
2023 · €29.77M
Debt ≤ 1 year
€29.85M▲
2023 · €29.68M
Income taxes
€4k▲
2023 · €1k
A ratio outside any meaningful range has been withheld (balance sheet total €29.94M, equity €88k).
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€29.85M€29.94M▲
Current assets29/58€29.85M€29.94M▲
Stocks and contracts in progress3€29.44M€29.83M▲
Stocks30/36€29.44M€29.83M▲
Amounts receivable within one year40/41€146k-
Trade receivables40€146k-
Cash at bank and in hand54/58€265k€111k▼
Deferred charges and accrued income490/1-€5k
Equity and liabilities
Total equity and liabilities10/49€29.85M€29.94M▲
Equity10/15€78k€88k▲
Contributions10/11€75k€75k=
Profit (loss) carried forward14€3k€13k▲
Amounts payable17/49€29.77M€29.86M▲
Amounts payable within one year42/48€29.68M€29.85M▲
Financial debts43€25.10M€25.10M=
Credit institutions430/8€25.10M€25.10M=
Trade debts44€30k€3k▼
Suppliers440/4€30k€3k▼
Taxes, remuneration and social security45€1k€18k▲
Taxes450/3€1k€18k▲
Other amounts payable47/48€4.55M€4.72M▲
Accrued charges and deferred income492/3€88k€10k▼
Income statement
Code20232024
Other operating charges640/8€630€63k▲
Gross operating margin9900€300k€1.07M▲
Operating profit (loss)9901€299k€1.00M▲
Financial income75/76B-€198k
Recurring financial income75-€198k
Financial charges65/66B€291k€1.19M▲
Recurring financial charges65€291k€1.19M▲
Profit (loss) for the period before taxes9903€8k€14k▲
Income taxes67/77€1k€4k▲
Profit (loss) for the period9904€6k€10k▲
Profit (loss) for the period to be appropriated9905€6k€10k▲
Appropriation of the result
Profit (loss) to be appropriated9906€3k€13k▲
Profit (loss) brought forward from the previous period14P€-3k€3k▲
The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
31-12
Financial
Highest result since 2021net €10k ▲53.1%
Operating result €1.00M, net result €10k, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Back to profitnet €6k
Net result €6k after 2 loss-making years.
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
05-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro 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 2025
Pauwels Simon
CurrentDirector · since 01-04-2025
01-04-2025
Pauwels Simon: Appointed as Director
06-11-2024
Studentcomfort: Resigned as Permanent representative
Location & real-estate footprint
Registered office, Leuven · 1 establishment unit since 2026
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.
Naamsestraat 123000 LeuvenGround area
169 m²
Building footprint
166 m²
Volume, LiDAR
3,028 m³
Parcel 24504D0433/00C000, Flanders · tallest building 21.0 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
Naamsestraat 12, 3000 Leuven
since 20262.391.299.725
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24504D0433/00C000 | Flanders | 169 m² | 1 · 166 m² | 21.0 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Similar companies · same sector, comparable size
FAS Management
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Stonebox Consulting
BE 0544.469.809
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ROTONDA
BE 0787.217.752
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H MANAGEMENT
BE 0840.704.047
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WINOVA
BE 0451.166.695
Namur · Eq €88k
Of 82,218 companies in sector 70200 we hold annual accounts for 52,393. 40,247 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-01-2020
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 10-09-2026. Scores and ratios are computed by Checked and are not a credit decision.