GRB & CO
ActiveGRB & CO has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €79k and a net result of €2k. Equity is growing by ~26.7% per year across the filed fiscal years. Its solvency ranks better than 86% of 18016 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
88
/ 100
Excellent▼ -12 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability17▼-19
Solvency100=
Growth45▼-13
Stability100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 4.5 against 6.59 in 2024), and 21.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
78.8%
Return on assets
2.3%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-08-2026, 10 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
10 d late
2024
49 d early
2023
1 d late
2022
526 d late
2021
25 d late
2020
31 d late
2019
31 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€468k▲ 19.1%
2024 · €393k
2018: €506k
2019: €528k
2020: €512k
2021: €489k
2022: €628k
2023: €430k
2024: €393k
2018 → 2025
EBIT margin
1.6%▼ 1.2pp
2024 · 2.8%
2018: 1.1%
2019: 0.9%
2020: 1.7%
2021: 1.0%
2022: 0.8%
2023: 0.9%
2024: 2.8%
2018 → 2025
Net result
€2k▼ 72.9%
2024 · €8k
2018: €4k
2019: €1k
2020: €8k
2021: €3k
2022: €3k
2023: €3k
2024: €8k
2018 → 2025
Working capital
€75k▲ 4.0%
2024 · €72k
2018: €14k
2019: €13k
2020: €26k
2021: €30k
2022: €30k
2023: €94k
2024: €72k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€489k-€628k▲ 28.4%€430k▼ 31.5%€393k▼ 8.7%€468k▲ 19.1%
Equity€30k-€33k▲ 9.0%€62k▲ 87.7%€77k▲ 23.5%€79k▲ 3.0%
Operating result€5k-€5k▲ 9.8%€4k▼ 23.3%€11k▲ 180%€8k▼ 31.5%
Net result€3k-€3k▼ 16.4%€3k▼ 6.2%€8k▲ 227%€2k▼ 72.9%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 31% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €101k
Fixed assets
€5k▼ 10.5%
Current assets
€96k▲ 13.4%
Equity and liabilities €101k
Equity
€79k▲ 3.0%
Debt
€21k▲ 66.0%
The debt ratio rises from 14.3% to 21.2%: debt grows faster than equity.
Key figures and ratios
EBITDA
€9k▼
2024 · €13k
Cash flow
€3k▼
2024 · €10k
Solvency
78.8%▼
2024 · 85.7%
Current ratio
4.50▼
2024 · 6.59
Quick ratio
2.91▼
2024 · 3.83
Debt / equity
0.27▲
2024 · 0.17
ROE
2.9%▼
2024 · 10.9%
ROA
2.3%▼
2024 · 9.4%
Interest coverage
19.74▼
2024 · 23.02
Debt
€21k▲
2024 · €13k
Debt ≤ 1 year
€21k▲
2024 · €13k
Income taxes
€5k▲
2024 · €2k
Staff costs
€48k▲
2024 · €28k
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€90k€101k▲
Fixed assets21/28€5k€5k▼
Tangible fixed assets22/27€2k€1k▼
Plant, machinery and equipment23€1k€728▼
Furniture and vehicles24€645€430▼
Financial fixed assets28€4k€4k=
Current assets29/58€84k€96k▲
Stocks and contracts in progress3€35k€34k▼
Stocks30/36€35k€34k▼
Amounts receivable within one year40/41€43k€12k▼
Other amounts receivable41€43k€12k▼
Cash at bank and in hand54/58€6k€50k▲
Equity and liabilities
Total equity and liabilities10/49€90k€101k▲
Equity10/15€77k€79k▲
Contributions10/11€19k€19k=
Reserves13€28k€28k=
Non-distributable reserves130/1€584€584=
Reserves not available under the articles1311€584€584=
Tax-exempt reserves132€27k€27k=
Distributable reserves133€856€856=
Profit (loss) carried forward14€30k€33k▲
Amounts payable17/49€13k€21k▲
Amounts payable within one year42/48€13k€21k▲
Trade debts44€7k€18k▲
Suppliers440/4€7k€18k▲
Taxes, remuneration and social security45€6k€3k▼
Taxes450/3€6k€3k▼
Income statement
Code20242025
Turnover70€393k€468k▲
Non-recurring operating income76A-€382
Goods, raw materials, services and sundry goods60/61€384k€399k▲
Remuneration, social security and pensions62€28k€48k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€943▼
Other operating charges640/8€5k€23k▲
Gross operating margin9900€45k€79k▲
Operating profit (loss)9901€11k€8k▼
Financial charges65/66B€556€433▼
Recurring financial charges65€556€433▼
Profit (loss) for the period before taxes9903€11k€7k▼
Income taxes67/77€2k€5k▲
Profit (loss) for the period9904€8k€2k▼
Profit (loss) for the period to be appropriated9905€8k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€30k€33k▲
Profit (loss) brought forward from the previous period14P€22k€30k▲
The notes to these accounts (6 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
10-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 10 days late
2025
12-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
07-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 526 days late
2024
31-12
Financial
Highest result since 2018net €8k ▲227%
Operating result €11k, net result €8k, both a record.
01-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 1 day late
2022
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 25 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
31-12
Financial
Weakest financial yearnet €1k ▼68.1%
Net result drops to €1k, the lowest in the series; recovery starts the following year.
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 26 days late
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 28 days late
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 28 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, Ukkel · 1 establishment unit since 2016
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.
Léon Vanderkindereplein 41180 UkkelGround area
178 m²
Building footprint
127 m²
Volume, LiDAR
1,839 m³
Parcel 21016B0276/00N020, Brussels · tallest building 18.4 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
VDK SUPERMARKET
since 20162.255.233.667
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21016B0276/00N020 | Brussels | 178 m² | 1 · 127 m² | 18.4 m · 5 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteUkkel2.255.233.667
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Copersol
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SIRVEX GROUP
BE 0897.467.853
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BOUTIQUE SANTE
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Seraing · Eq €79k
Of 10,411 companies in sector 47110 we hold annual accounts for 5,787. 4,632 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-04-2016
Fiscal year end31-12
Activities, NACEBEL
47110Non-specialised retail sale with food, beverages or tobacco predominating
47112Retail trade
47620Retail trade
47621Retail sale of newspapers and periodicals
61100Wired, wireless and satellite telecommunications
61200Telecommunications
92000Gambling and betting activities
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.