FOCAL POINT
ActiveFOCAL POINT has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €742k and a net result of €296k. Equity is growing by ~61.5% per year across the filed fiscal years. Its solvency ranks better than 53% of 2672 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
86
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency95▲+38
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €65k at 30 days acceptable
Liquidity ample (current ratio 2.43 against 1.34 in 2024), but 50.7% 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 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
49.3%
Return on assets
19.6%
Age of the figures
8 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
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 20-07-2026, 11 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
11 d early
2024
75 d late
2023
29 d late
2022
28 d late
2021
29 d late
2020
30 d late
2019
26 d late
← 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€296k▼ 7.0%
2024 · €318k
2018: €19k
2019: €3k
2020: €-1k
2021: €40k
2022: €25k
2023: €82k
2024: €318k
2018 → 2025
Working capital
€407k▲ 179%
2024 · €146k
2018: €44k
2019: €40k
2020: €30k
2021: €73k
2022: €95k
2023: €173k
2024: €146k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€79k-€104k▲ 31.2%€185k▲ 78.7%€446k▲ 141%€742k▲ 66.3%
Operating result€55k-€38k▼ 30.8%€117k▲ 207%€450k▲ 284%€410k▼ 8.8%
Net result€40k-€25k▼ 35.9%€82k▲ 221%€318k▲ 290%€296k▼ 7.0%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 9% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.51M
Fixed assets
€814k▼ 2.3%
Current assets
€692k▲ 19.7%
Equity and liabilities €1.51M
Equity
€742k▲ 66.3%
Debt
€764k▼ 20.8%
The debt ratio falls from 68.4% to 50.7%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€434k▼
2024 · €504k
Cash flow
€320k▼
2024 · €372k
Solvency
49.3%▲
2024 · 31.6%
Current ratio
2.43▲
2024 · 1.34
Quick ratio
2.43▲
2024 · 1.34
Debt / equity
1.03▼
2024 · 2.16
ROE
39.9%▼
2024 · 71.3%
ROA
19.6%▼
2024 · 22.5%
Interest coverage
18.85▼
2024 · 53.07
Debt
€764k▼
2024 · €965k
Debt ≤ 1 year
€285k▼
2024 · €432k
Debt > 1 year
€467k▼
2024 · €498k
Income taxes
€94k▼
2024 · €122k
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€1.41M€1.51M▲
Fixed assets21/28€833k€814k▼
Intangible fixed assets21€120€0▼
Tangible fixed assets22/27€833k€813k▼
Land and buildings22€826k€809k▼
Plant, machinery and equipment23€7k€4k▼
Financial fixed assets28€0€2k▲
Current assets29/58€578k€692k▲
Amounts receivable after more than one year29€31k€46k▲
Trade receivables290€31k€46k▲
Amounts receivable within one year40/41€93k€360k▲
Trade receivables40€62k€286k▲
Other amounts receivable41€32k€74k▲
Current investments50/53€22k€22k=
Cash at bank and in hand54/58€428k€260k▼
Deferred charges and accrued income490/1€3k€4k▲
Equity and liabilities
Total equity and liabilities10/49€1.41M€1.51M▲
Equity10/15€446k€742k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€426k€722k▲
Amounts payable17/49€965k€764k▼
Amounts payable after more than one year17€498k€467k▼
Financial debts170/4€498k€467k▼
Amounts payable within one year42/48€432k€285k▼
Current portion of amounts payable after more than one year42€22k€31k▲
Financial debts43€1k€26k▲
Credit institutions430/8€1k€26k▲
Trade debts44€28k€28k▲
Suppliers440/4€28k€28k▲
Advances received on contracts in progress46€228k€65k▼
Taxes, remuneration and social security45€125k€135k▲
Taxes450/3€123k€135k▲
Remuneration and social security454/9€2k€0▼
Other amounts payable47/48€29k€0▼
Accrued charges and deferred income492/3€34k€12k▼
Income statement
Code20242025
Non-recurring operating income76A-€17k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€54k€24k▼
Other operating charges640/8€35k€4k▼
Gross operating margin9900€539k€438k▼
Operating profit (loss)9901€450k€410k▼
Financial income75/76B€440€3k▲
Recurring financial income75€440€3k▲
Financial charges65/66B€9k€23k▲
Recurring financial charges65€9k€23k▲
Profit (loss) for the period before taxes9903€440k€390k▼
Income taxes67/77€122k€94k▼
Profit (loss) for the period9904€318k€296k▼
Profit (loss) for the period to be appropriated9905€318k€296k▼
Appropriation of the result
Profit (loss) to be appropriated9906€486k€722k▲
Profit (loss) brought forward from the previous period14P€168k€426k▲
Profit to be distributed694/7€60k€0▼
Return on contributions (dividend)694€60k€0▼
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (21 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
2026
20-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
19-03
State Gazette act
Statutes amendment · Resignations & appointmentsGeneral meeting · Statutes amendment · Director appointment7 facts ▸
State Gazette act
Statutes amendment · Resignations & appointments
General meeting · Statutes amendment · Director appointment7 facts ▸
- General meeting, 13-03-2026
- Statutes amendment
- Director appointment, Van Nieuwenhove Consultancy (administrateur)
- Director appointment, CHRISTOFI, Natalia (administrateur)
- Mandate compensation, Van Nieuwenhove Consultancy
- Mandate compensation, CHRISTOFI, Natalia
- Director appointment, ROUSSAKI, Anastasia (administrateur délégué)
2025
31-12
Financial
Equity above €500kEq €742k ▲66.3%
5 profitable years in a row build equity to €742k.
14-10
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 75 days late
2024
31-12
Financial
Highest result since 2018net €318k ▲290%
Operating result €450k, net result €318k, both a record.
31-12
Financial
Equity above €200kEq €446k ▲141%
4 profitable years in a row build equity to €446k.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 29 days late
2023
31-12
Financial
Liquidity triplescurrent ratio 3.87
Current ratio from 1.38 to 3.87; short-term debt falls from €251k to €60k.
31-12
Financial
Equity above €150kEq €185k ▲78.7%
3 profitable years in a row build equity to €185k.
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 28 days late
2022
31-12
Financial
Equity above €100kEq €104k ▲31.2%
2 profitable years in a row build equity to €104k.
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 29 days late
2021
31-12
Financial
Back to profitnet €40k
Net result €40k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 30 days late
2020
31-12
Financial
Weakest financial yearnet €-1k ▼141%
Net result drops to €-1k, the lowest in the series; recovery starts the following year.
26-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 26 days late
2019
02-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
24-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
04-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
under verification, no change since 2026
This board is reconstructed from a single act (26318119). A Gazette act generally publishes only CHANGES, not a full roll call, so directors unchanged since then may be missing here. The KBO register holds the complete list of function holders.
CHRISTOFI, Natalia
CurrentDirector · since 13-03-2026
Van Nieuwenhove Consultancy
CurrentDirector · since 13-03-2026 · Private limited company
Anastasia Roussaki
CurrentManaging director · since 05-03-2026
13-03-2026
CHRISTOFI, Natalia: Appointed as Director
13-03-2026
Van Nieuwenhove Consultancy: Appointed as Director
05-03-2026
Anastasia Roussaki: Appointed as Managing director
31-12-2013
Christofis Emmanouil: Resigned as Managing director
Location & real-estate footprint
Registered office, Braine-l'Alleud · 1 establishment unit since 2012
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.
Av Prince d'Orange 531420 Braine-l'Alleud1 establishment unit
FOCAL POINT
since 20122.208.175.504
Structure & network
Ownership & control
1 partyControl over this companysits on this company's board1
1 subsidiary · 1 location
controls
FOCAL POINTBE 0844.581.671
Public money · subsidies and aid
European Union, budget
2021 to 2025 · 5 entries · 1,114,152 EUR in total| Year | Entries | awarded |
|---|---|---|
| 2025 | 1 | 589,924 EUR |
| 2024 | 1 | 0 EUR |
| 2022 | 1 | 210,252 EUR |
| 2021 | 2 | 313,976 EUR |
Projects
101224172 - HARPIA-DEFENCE - HARMONISED APPROACH FOR RESILIENT PROACTIVE INTELLIGENCE ASSESSMENT IN DEFENCE
101021659 - SENTINEL - BRIDGING THE SECURITY, PRIVACY AND DATA PROTECTION GAP FOR SMALLER ENTERPRISES IN EUROPE
101083594 - CYBERSECPRO - COLLABORATIVE, MULTI-MODAL AND AGILE PROFESSIONAL CYBERSECURITY TRAINING PROGRAM FOR A SKILLED WORKFORCE IN THE EUROPEAN DIGITAL SINGLE MARKET AND INDUSTRIES
101021659 - SENTINEL - BRIDGING THE SECURITY, PRIVACY AND DATA PROTECTION GAP FOR SMALLER ENTERPRISES IN EUROPE
101158555 - CYBERSYNCHRONY - HARMONIZING PEOPLE, PROCESSES, AND TECHNOLOGY FOR ROBUST CYBERSECURITY
European research
3 projects · 1,111,125 EUR EU contributionProgrammes
h2020
Projects
Certifying the Security and Resilience of Supply Chain Services
A Dynamic and Self-Organized Artificial Swarm Intelligence Solution for Security and Privacy Threats in Healthcare ICT Infrastructures
Bridging the security, privacy and data protection gap for smaller enterprises in Europe
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Of 29,884 companies in sector 62200 we hold annual accounts for 18,321. 10,049 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-03-2012
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
62900Other information technology and computer services
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filings
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.