FlowFactor
ActiveFlowFactor has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €384k and a net result of €-19k. Equity is growing by ~11.2% per year across the filed fiscal years. Its solvency ranks better than 56% of 1363 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability9▼-35
Solvency83▲+20
Growth60▼-2
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity ample (current ratio 1.7 against 1.67 in 2024), but 55% 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-07-2026, 4 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
4 d early
2024
22 d late
2023
28 d late
2022
29 d late
2021
3 d late
2020
6 d late
2019
22 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
07-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€3.40M▼ 0.1%
2024 · €3.41M
2019: €1.71M
2020: €2.29M
2021: €2.28M
2022: €3.82M
2023: €3.45M
2024: €3.41M
2019 → 2025
EBIT margin
0.6%▼ 3.3pp
2024 · 3.9%
2019: 11.7%
2020: 9.0%
2021: -3.3%
2022: 1.0%
2023: 6.0%
2024: 3.9%
2019 → 2025
Net result
€-19k
2024 · €61k
2019: €113k
2020: €65k
2021: €-89k
2022: €6k
2023: €114k
2024: €61k
2019 → 2025
Working capital
€327k▼ 35.0%
2024 · €503k
2019: €152k
2020: €291k
2021: €191k
2022: €202k
2023: €309k
2024: €503k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€2.28M-€3.82M▲ 67.5%€3.45M▼ 9.7%€3.41M▼ 1.4%€3.40M▼ 0.1%
Equity€222k-€228k▲ 2.8%€342k▲ 50.0%€403k▲ 17.8%€384k▼ 4.6%
Operating result€-75k-€39k€206k▲ 424%€133k▼ 35.4%€22k▼ 83.4%
Net result€-89k-€6k€114k▲ 1,757%€61k▼ 46.7%€-19k
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 83% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €854k
Fixed assets
€58k▼ 12.9%
Current assets
€796k▼ 36.4%
Equity and liabilities €854k
Equity
€384k▼ 4.6%
Provisions
€717
Debt
€469k▼ 48.7%
The debt ratio falls from 69.4% to 54.9%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€40k▼
2024 · €155k
Cash flow
€-365▼
2024 · €83k
Solvency
45.0%▲
2024 · 30.6%
Current ratio
1.70▲
2024 · 1.67
Quick ratio
1.70▲
2024 · 1.67
Debt / equity
1.22▼
2024 · 2.27
ROE
-4.8%▼
2024 · 15.1%
ROA
-2.2%▼
2024 · 4.6%
Interest coverage
1.20▼
2024 · 4.33
Debt
€469k▼
2024 · €915k
Debt ≤ 1 year
€469k▼
2024 · €748k
Income taxes
€9k▼
2024 · €37k
Staff costs
€1.34M▼
2024 · €1.46M
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 assets20/58€1.32M€854k▼
Fixed assets21/28€67k€58k▼
Tangible fixed assets22/27€42k€33k▼
Financial fixed assets28€25k€25k=
Current assets29/58€1.25M€796k▼
Amounts receivable within one year40/41€1.02M€731k▼
Cash & bank54/58€15k€16k▲
Total equity & liabilities10/49€1.32M€854k▼
Equity10/15€403k€384k▼
Contributions / capital10/11€62k€62k=
Reserves13€341k€322k▼
Accumulated profits (losses)14€10€421▲
Provisions & deferred taxes16-€717
Amounts payable17/49€915k€469k▼
Amounts payable within one year42/48€748k€469k▼
Trade debts payable within one year44€477k€266k▼
Income statement
Code20242025
Turnover70€3.41M€3.40M▼
Gross operating margin9900€1.62M€1.39M▼
Operating result9901€133k€22k▼
Financial income75€1k€1k▲
Financial charges65€36k€33k▼
Result before taxes9903€98k€-10k▼
Income taxes67/77€37k€9k▼
Net result for the period9904€61k€-19k▼
Result to be appropriated9905€111k€-19k▼
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
22-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 22 days late
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 28 days late
2023
31-12
Financial
Highest result since 2019net €114k ▲1757%
Operating result €206k, net result €114k, both a record.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 29 days late
2022
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
03-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 3 days late
2021
31-12
Financial
Weakest financial yearnet €-89k ▼237%
Net result drops to €-89k, the lowest in the series; recovery starts the following year.
06-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 6 days late
2020
31-12
Financial
Equity above €200kEq €310k ▲77.4%
2 profitable years in a row build equity to €310k.
09-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
24-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 8 acts read
About the unread acts
We know of 8 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
Comparable companies · same sector, comparable size
Similar companies · same sector, comparable size
Clinitude
BE 0478.640.857
Diepenbeek · Eq €384k
BRIGHTSTAFFING
BE 0657.909.329
Tielt · Eq €384k
@ YOUR SITE CONSULTANCY SERVICES
BE 0475.722.741
Zutendaal · Eq €384k
SOFTOLUTION
BE 0473.114.926
Antwerpen · Eq €384k
checkpointA
BE 0865.337.889
Merelbeke-Melle · Eq €384k
Of 16,793 companies in sector 62100 we hold annual accounts for 8,691. 5,818 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded09-05-2017
Fiscal year end31-12
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62020IT consultancy
62100Computer programming
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 07-09-2026. Scores and ratios are computed by Checked and are not a credit decision.