GRIP
ActiveGRIP has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €88k and a net result of €11k. Equity is shrinking by ~13% per year across the filed fiscal years. Its solvency ranks better than 56% of 6967 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
93
/ 100
Excellent▼ -5 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability63▼-37
Solvency99▲+5
Growth58=
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 2.14 against 1.89 in 2024), and 38.7% 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
61.3%
Return on assets
7.8%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 16-12-2025, 46 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
46 d early
2024
46 d early
2023
50 d early
2022
23 d early
2021
25 d early
2020
48 d early
2019
46 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close15-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€88k▲ 14.5%
2024 · €77k
2019: €161k
2021: €124k
2022: €102k
2023: €85k
2024: €77k
2019 → 2025
Total assets
€144k▲ 1.3%
2024 · €142k
2019: €170k
2021: €133k
2022: €113k
2023: €103k
2024: €142k
2019 → 2025
Net result
€11k▼ 33.1%
2024 · €17k
2019: €8k
2021: €-12k
2022: €-9k
2023: €-2k
2024: €17k
2019 → 2025
Working capital
€56k▲ 26.0%
2024 · €44k
2019: €156k
2021: €111k
2022: €78k
2023: €64k
2024: €44k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€124k-€102k▼ 17.8%€85k▼ 16.4%€77k▼ 9.5%€88k▲ 14.5%
Operating result€-13k-€-7k▲ 43.2%€-2k▲ 70.3%€19k€16k▼ 16.6%
Net result€-12k-€-9k▲ 27.6%€-2k▲ 76.7%€17k€11k▼ 33.1%
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 17% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €144k
Fixed assets
€39k▼ 18.7%
Current assets
€105k▲ 11.5%
Equity and liabilities €144k
Equity
€88k▲ 14.5%
Debt
€56k▼ 14.3%
The debt ratio falls from 45.8% to 38.7%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€25k▲
2024 · €24k
Cash flow
€20k▼
2024 · €22k
Solvency
61.3%▲
2024 · 54.2%
Current ratio
2.14▲
2024 · 1.89
Quick ratio
2.14▲
2024 · 1.89
Debt / equity
0.63▼
2024 · 0.84
ROE
12.6%▼
2024 · 21.6%
ROA
7.8%▼
2024 · 11.7%
Interest coverage
14.49▼
2024 · 47.26
Debt
€56k▼
2024 · €65k
Debt ≤ 1 year
€49k▼
2024 · €50k
Debt > 1 year
€6k▼
2024 · €14k
Income taxes
€3k▲
2024 · €2k
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€142k€144k▲
Fixed assets21/28€48k€39k▼
Tangible fixed assets22/27€48k€39k▼
Furniture and vehicles24€29k€23k▼
Other tangible fixed assets26€19k€16k▼
Current assets29/58€94k€105k▲
Amounts receivable within one year40/41€9k€3k▼
Trade receivables40€6k€3k▼
Other amounts receivable41€3k€0▼
Current investments50/53€47k€53k▲
Cash at bank and in hand54/58€37k€49k▲
Deferred charges and accrued income490/1€858€764▼
Equity and liabilities
Total equity and liabilities10/49€142k€144k▲
Equity10/15€77k€88k▲
Contributions10/11€12k€12k=
Reserves13€19k€30k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€19k€30k▲
Profit (loss) carried forward14€46k€46k=
Amounts payable17/49€65k€56k▼
Amounts payable after more than one year17€14k€6k▼
Financial debts170/4€14k€6k▼
Amounts payable within one year42/48€50k€49k▼
Current portion of amounts payable after more than one year42€8k€8k=
Trade debts44€2k€2k▲
Suppliers440/4€2k€2k▲
Taxes, remuneration and social security45€2k€4k▲
Taxes450/3€2k€4k▲
Other amounts payable47/48€38k€35k▼
Accrued charges and deferred income492/3€1k€660▼
Income statement
Code20242025
Non-recurring operating income76A€3k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€9k▲
Other operating charges640/8€1k€831▼
Gross operating margin9900€25k€25k▲
Operating profit (loss)9901€19k€16k▼
Financial income75/76B€345€717▲
Recurring financial income75€345€717▲
Financial charges65/66B€499€2k▲
Recurring financial charges65€499€2k▲
Profit (loss) for the period before taxes9903€19k€15k▼
Income taxes67/77€2k€3k▲
Profit (loss) for the period9904€17k€11k▼
Profit (loss) for the period to be appropriated9905€17k€11k▼
Appropriation of the result
Profit (loss) to be appropriated9906€63k€57k▼
Profit (loss) brought forward from the previous period14P€46k€46k=
Transfer from equity791/2€25k€0▼
Transfer to equity691/2€17k€11k▼
To other reserves6921€17k€11k▼
Profit to be distributed694/7€25k€0▼
Return on contributions (dividend)694€25k€0▼
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
2025
16-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
16-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-06
Financial
Back to profitnet €17k
Net result €17k after 3 loss-making years.
2023
12-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
08-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
06-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Weakest financial yearnet €-12k ▼247%
Net result drops to €-12k, the lowest in the series; recovery starts the following year.
2020
14-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
16-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
09-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
12-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
14-12
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
1 act for this company is 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, Zele · 1 establishment unit since 1997
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.
Minister E. Rubbenslaan 89240 ZeleGround area
232 m²
Building footprint
91 m²
Volume, LiDAR
573 m³
Parcel 42402F0275/00E003, Flanders · tallest building 10.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
GRIP BVBA
since 19972.082.381.944
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42402F0275/00E003 | Flanders | 232 m² | 1 · 91 m² | 10.7 m · 2 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 13,390 companies in sector 73300 we hold annual accounts for 6,881. 5,607 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-06-1997
Fiscal year end30-06
Activities, NACEBEL
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
74141
Sources
Crossroads Bank for EnterprisesNational Bank · 28 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.