FRED-O
ActiveFRED-O has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €67k and a net result of €15k. Equity is growing by ~10.6% per year across the filed fiscal years. Its solvency ranks better than 35% of 7017 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability78▲+5
Solvency60▼-33
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity ample (current ratio 1.5 against 3.05 in 2024; short-term debt: 65.3% and cash: 61.1% of total assets), but 65.3% 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 · 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
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
34.7%
Return on assets
7.6%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 29-04-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
2 d late
2023
on the day
2022
2 d early
2021
on the day
2020
7 d early
2019
3 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
20-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€67k▼ 40.9%
2024 · €113k
2018: €54k
2019: €69k
2020: €86k
2021: €65k
2022: €101k
2023: €122k
2024: €113k
2018 → 2025
Total assets
€193k▲ 16.6%
2024 · €165k
2018: €91k
2019: €113k
2020: €109k
2021: €164k
2022: €170k
2023: €163k
2024: €165k
2018 → 2025
Net result
€15k▲ 141%
2024 · €6k
2018: €6k
2019: €15k
2020: €16k
2021: €3k
2022: €42k
2023: €24k
2024: €6k
2018 → 2025
Working capital
€63k▼ 41.0%
2024 · €107k
2018: €42k
2019: €58k
2020: €74k
2021: €55k
2022: €87k
2023: €112k
2024: €107k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€65k-€101k▲ 55.9%€122k▲ 21.3%€113k▼ 7.5%€67k▼ 40.9%
Operating result€5k-€59k▲ 1,031%€33k▼ 42.9%€10k▼ 70.5%€21k▲ 112%
Net result€3k-€42k▲ 1,457%€24k▼ 43.4%€6k▼ 74.3%€15k▲ 141%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 112% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €193k
Fixed assets
€4k▼ 39.8%
Current assets
€189k▲ 18.8%
Equity and liabilities €193k
Equity
€67k▼ 40.9%
Debt
€126k▲ 141%
The debt ratio rises from 31.6% to 65.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€23k▲
2024 · €13k
Cash flow
€17k▲
2024 · €10k
Solvency
34.7%▼
2024 · 68.4%
Current ratio
1.50▼
2024 · 3.05
Quick ratio
1.50▼
2024 · 3.05
Debt / equity
1.88▲
2024 · 0.46
ROE
22.0%▲
2024 · 5.4%
ROA
7.6%▲
2024 · 3.7%
Interest coverage
60.20▲
2024 · 40.10
Debt
€126k▲
2024 · €52k
Debt ≤ 1 year
€126k▲
2024 · €52k
Income taxes
€6k▲
2024 · €3k
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€165k€193k▲
Fixed assets21/28€6k€4k▼
Tangible fixed assets22/27€6k€4k▼
Furniture and vehicles24€1k€428▼
Other tangible fixed assets26€5k€3k▼
Financial fixed assets28€200€200=
Current assets29/58€159k€189k▲
Amounts receivable within one year40/41€62k€64k▲
Trade receivables40€41k€45k▲
Other amounts receivable41€20k€19k▼
Cash at bank and in hand54/58€88k€118k▲
Deferred charges and accrued income490/1€9k€7k▼
Equity and liabilities
Total equity and liabilities10/49€165k€193k▲
Equity10/15€113k€67k▼
Contributions10/11€19k€19k=
Reserves13€94k€48k▼
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€94k€48k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€52k€126k▲
Amounts payable within one year42/48€52k€126k▲
Financial debts43€3k€221▼
Credit institutions430/8€3k€221▼
Trade debts44€6k€39k▲
Suppliers440/4€6k€39k▲
Taxes, remuneration and social security45€0-
Taxes450/3€0-
Other amounts payable47/48€43k€87k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€3k▼
Other operating charges640/8€380€236▼
Gross operating margin9900€14k€24k▲
Operating profit (loss)9901€10k€21k▲
Financial income75/76B€32€245▲
Recurring financial income75€32€245▲
Financial charges65/66B€334€389▲
Recurring financial charges65€334€389▲
Profit (loss) for the period before taxes9903€10k€21k▲
Income taxes67/77€3k€6k▲
Profit (loss) for the period9904€6k€15k▲
Profit (loss) for the period to be appropriated9905€6k€15k▲
Appropriation of the result
Profit (loss) to be appropriated9906€6k€15k▲
Transfer from equity791/2€15k€61k▲
Transfer to equity691/2€6k€15k▲
To other reserves6921€6k€15k▲
Profit to be distributed694/7€15k€61k▲
Return on contributions (dividend)694€15k€61k▲
The notes to these accounts (10 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
29-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
02-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 2 days late
2024
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Highest result since 2018net €42k ▲1457%
Operating result €59k, net result €42k, both a record.
30-09
Financial
Equity above €100kEq €101k ▲55.9%
5 profitable years in a row build equity to €101k.
30-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Weakest financial yearnet €3k ▼83.6%
Net result drops to €3k, the lowest in the series; recovery starts the following year.
23-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
27-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
25-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-03
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
4 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, Antwerpen · 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.
Floraliënlaan 3972600 AntwerpenGround area
105 m²
Building footprint
86 m²
Volume, LiDAR
742 m³
Parcel 11303C0292/00E005, Flanders · tallest building 11.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Floraliënlaan 397, 2600 Antwerpen
since 20112.199.081.852
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11303C0292/00E005 | Flanders | 105 m² | 1 · 86 m² | 11.2 m · 3 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.
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Of 13,422 companies in sector 73300 we hold annual accounts for 6,901. 5,590 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-04-2011
Fiscal year end30-09
Activities, NACEBEL
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
73110Advertising agencies
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:frederic@fred-o.be
Phone:0473979813