GET TO THE POINT
ActiveSummary
GET TO THE POINT has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €234k and a net result of €55k. Equity is growing by ~7.4% per year across the filed fiscal years. Its solvency ranks better than 79% of 1901 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
94
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability93=
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €22k at 30 days acceptable
Liquidity ample (current ratio 5.86 against 8.62 in 2024; short-term debt: 17% and cash: 59.5% of total assets), and 17.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 63
Relative position
BE, all sectors
reference
Sector 63
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
82.8%
Return on assets
19.5%
Age of the figures
9 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 27-07-2026, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 d early
2024
28 d early
2023
1 d early
2022
20 d early
2021
31 d late
2020
16 d late
2019
9 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€234k▼ 12.2%
2024 · €267k
2018: €124k
2019: €180k
2020: €174k
2021: €210k
2022: €206k
2023: €209k
2024: €267k
2018 → 2025
Total assets
€283k▼ 5.9%
2024 · €301k
2018: €175k
2019: €243k
2020: €301k
2021: €277k
2022: €346k
2023: €331k
2024: €301k
2018 → 2025
Net result
€55k▼ 4.7%
2024 · €58k
2018: €46k
2019: €56k
2020: €51k
2021: €36k
2022: €55k
2023: €50k
2024: €58k
2018 → 2025
Working capital
€234k▼ 9.4%
2024 · €258k
2018: €117k
2019: €180k
2020: €90k
2021: €146k
2022: €159k
2023: €181k
2024: €258k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€210k-€206k▼ 2.2%€209k▲ 1.8%€267k▲ 27.6%€234k▼ 12.2%
Operating result€42k-€70k▲ 65.5%€64k▼ 8.6%€71k▲ 11.2%€68k▼ 4.0%
Net result€36k-€55k▲ 52.1%€50k▼ 10.4%€58k▲ 16.8%€55k▼ 4.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 4% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €283k
Fixed assets
€775 ▼ 91.1%
Current assets
€282k ▼ 3.4%
Equity and liabilities €283k
Equity
€234k ▼ 12.2%
Debt
€49k ▲ 43.4%
Debt's share of the balance-sheet total rises from 11.3% to 17.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€77k▼
2024 · €90k
Cash flow
€64k▼
2024 · €77k
Current ratio
5.86▼
2024 · 8.62
Debt to equity
0.21▲
2024 · 0.13
ROE
23.5%▲
2024 · 21.7%
ROA
19.5%▲
2024 · 19.2%
Interest coverage
36.23▼
2024 · 37.98
Debt ≤ 1 year
€48k▲
2024 · €34k
Income taxes
€14k▼
2024 · €15k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€301k€283k▼
Fixed assets21/28€9k€775▼
Tangible fixed assets22/27€9k€775▼
Plant, machinery and equipment23€753€775▲
Furniture and vehicles24€8k€0▼
Current assets29/58€292k€282k▼
Amounts receivable within one year40/41€7k€8k▲
Trade receivables40€0-
Other amounts receivable41€7k€8k▲
Current investments50/53€105k€105k▲
Cash at bank and in hand54/58€179k€168k▼
Deferred charges and accrued income490/1€2k€0▼
Equity and liabilities
Total equity and liabilities10/49€301k€283k▼
Equity10/15€267k€234k▼
Contributions10/11€19k€19k=
Reserves13€247k€215k▼
Distributable reserves133€247k€215k▼
Profit (loss) carried forward14€1k€1k=
Amounts payable17/49€34k€49k▲
Amounts payable within one year42/48€34k€48k▲
Trade debts44€6k€3k▼
Suppliers440/4€6k€3k▼
Taxes, remuneration and social security45€12k€29k▲
Taxes450/3€12k€17k▲
Remuneration and social security454/9-€12k
Other amounts payable47/48€17k€16k▼
Accrued charges and deferred income492/3-€400
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€9k▼
Other operating charges640/8€714€789▲
Gross operating margin9900€91k€78k▼
Operating profit (loss)9901€71k€68k▼
Financial income75/76B€4k€3k▼
Recurring financial income75€4k€3k▼
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€73k€69k▼
Income taxes67/77€15k€14k▼
Profit (loss) for the period9904€58k€55k▼
Profit (loss) for the period to be appropriated9905€58k€55k▼
Appropriation of the result
Profit (loss) to be appropriated9906€59k€56k▼
Profit (loss) brought forward from the previous period14P€1k€1k=
Transfer from equity791/2€0€88k▲
Transfer to equity691/2€58k€55k▼
To other reserves6921€58k€55k▼
Profit to be distributed694/7€0€88k▲
Return on contributions (dividend)694€0€88k▲
The notes to these accounts (5 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
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €58k ▲16.8%
Net result €58k, the highest in the series.
31-12
Financial
Liquidity triplescurrent ratio 8.62
Current ratio from 2.49 to 8.62; short-term debt falls from €122k to €34k.
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
11-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Weakest financial yearnet €36k ▼28.2%
Net result drops to €36k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €200kEq €210k ▲20.9%
4 profitable years in a row build equity to €210k.
16-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 16 days late
2020
22-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €150kEq €180k ▲44.8%
2 profitable years in a row build equity to €180k.
Show earlier events
12-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 12 days late
2018
12-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
07-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 7 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Aalst · 1 establishment unit since 2015
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.
Kluizestraat 18A9320 AalstGround area
730 m²
Building footprint
147 m²
Parcel 41014A0171/00C002, Flanders. Linked by address, not a title deed.
1 establishment unit
Kluizestraat 18A, 9320 Aalst
since 20152.238.451.677
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41014A0171/00C002 | Flanders | 730 m² | 1 · 146 m² | - |
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.
Recognitions · licences · registrations
Legal Entity Identifier
529900Z3LR3O8RO8UY46
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Of 3,152 companies in sector 63920 we hold annual accounts for 1,523. 1,152 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-01-2015
Fiscal year end31-12
Activities, NACEBEL 2025
63920Other information service activities
64999Other financial services
66199Other activities auxiliary to financial services, excluding insurance and pension funding
70200Business and other management consultancy
78100Employment placement agencies
78200Temporary employment agencies and other provision of personnel
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:johandesaeger78@gmail.com