FLOW
ActiveFLOW is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €4.14M and a net result of €-1.39M. Equity is shrinking by ~27.7% per year across the filed fiscal years. Its solvency ranks better than 83% of 5394 sector peers (fiscal year 2025). The company has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 29-01-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
11 d early
2023
19 d early
2022
40 d early
2021
39 d early
2020
66 d early
2019
8 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close05-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€4.14M▼ 25.8%
2024 · €5.58M
2022: €11.87M
2023: €7.13M
2024: €5.58M
2022 → 2025
Net result
€-1.39M
2024 · €36k
2022: €327k
2023: €3.62M
2024: €36k
2022 → 2025
Total assets
€4.71M▼ 24.8%
2024 · €6.26M
2022: €14.00M
2023: €7.90M
2024: €6.26M
2022 → 2025
Solvency
87.9%▼ 1.2pp
2024 · 89.1%
2022: 84.7%
2023: 90.2%
2024: 89.1%
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Turnover€667k-€601k▼ 9.9%
Equity€11.87M-€7.13M▼ 39.9%€5.58M▼ 21.8%€4.14M▼ 25.8%
Operating result€101k-€94k▼ 7.7%€21k▼ 77.7%€90k▲ 333%
Net result€327k-€3.62M▲ 1,009%€36k▼ 99.0%€-1.39M
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 333% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.71M
Fixed assets
€4.45M▼ 26.2%
Current assets
€257k▲ 15.1%
Equity and liabilities €4.71M
Equity
€4.14M▼ 25.8%
Debt
€569k▼ 16.3%
The debt ratio rises from 10.9% to 12.1%: equity shrinks faster than debt is paid down.
Key figures and ratios
Solvency
87.9%▼
2024 · 89.1%
ROE
-33.6%▼
2024 · 0.6%
ROA
-29.5%▼
2024 · 0.6%
Debt
€569k▼
2024 · €680k
Debt ≤ 1 year
€384k▲
2024 · €366k
Debt > 1 year
€160k▼
2024 · €298k
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
Total assets
20/58€6.26M€4.71M▼
Fixed assets
21/28€6.03M€4.45M▼
Tangible fixed assets
22/27€3.76M€3.68M▼
Financial fixed assets
28€2.27M€773k▼
Current assets
29/58€224k€257k▲
Amounts receivable within one year
40/41€182k€209k▲
Cash & bank
54/58€22k€29k▲
Total equity & liabilities
10/49€6.26M€4.71M▼
Equity
10/15€5.58M€4.14M▼
Contributions / capital
10/11€19k€19k=
Reserves
13€2.93M€1.49M▼
Amounts payable
17/49€680k€569k▼
Amounts payable after one year
17€298k€160k▼
Amounts payable within one year
42/48€366k€384k▲
Trade debts payable within one year
44€135k€175k▲
Income statement
Code20242025
Gross operating margin
9900€192k€233k▲
Operating result
9901€21k€90k▲
Financial income
75€47k€27k▼
Financial charges
65€19k€14k▼
Result before taxes
9903€49k€-1.39M▼
Income taxes
67/77€13k-
Net result for the period
9904€36k€-1.39M▼
Result to be appropriated
9905€36k€-1.39M▼
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
29-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-06
Financial
Weakest financial yearnet €-1.39M ▼3938%
Net result drops to €-1.39M, the lowest in the series.
20-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
12-01
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
30-06
Financial
Highest result since 2022net €3.62M ▲1009%
Net result €3.62M, the highest in the series.
2022
22-12
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2021
23-12
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2020
26-11
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
23-01
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
25-01
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2017
15-12
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2016
24-11
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
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Of 24,647 companies in sector 64210 we hold annual accounts for 19,463. 8,671 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-11-2001
Fiscal year end30-06
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
74151
47540Retail sale of electrical household appliances
52450
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Data from official sources, last processed on 07-08-2026. Scores and ratios are computed by Checked and are not a credit decision.