Grow 3.0
ActiveGrow 3.0 has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-6k) and a net result of €25k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 7% of 31544 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
55
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+98
Solvency1▲+1
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.65 against 0.28 in 2024; short-term debt: 123.5% and cash: 6.3% of total assets), and equity is negative.
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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-24.1%
Return on assets
101.5%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 7% of 31544 sector peers (2025).
NBB · sector comparisonPosition among 31544 sector peers
Solvency
better than 7%
← weakest
strongest →
neutral · A punctual record breaks
This company filed 5 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 8 filingsDeviation from the deadline
2025
27 d late
2024
23 d early
2023
15 d early
2022
34 d early
2021
52 d early
2020
8 d early
2019
95 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-6k▲ 80.8%
2024 · €-31k
2018: €13k
2019: €-54k
2020: €-98k
2021: €-88k
2022: €-61k
2023: €-27k
2024: €-31k
2018 → 2025
Total assets
€24k▲ 71.4%
2024 · €14k
2018: €61k
2019: €102k
2020: €83k
2021: €122k
2022: €12k
2023: €15k
2024: €14k
2018 → 2025
Net result
€25k
2024 · €-4k
2018: €420
2019: €-67k
2020: €-43k
2021: €9k
2022: €28k
2023: €34k
2024: €-4k
2018 → 2025
Working capital
€-11k▲ 66.9%
2024 · €-32k
2018: €-7k
2019: €-70k
2020: €-111k
2021: €-94k
2022: €-54k
2023: €-30k
2024: €-32k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-88k-€-61k▲ 31.4%€-27k▲ 55.9%€-31k▼ 14.3%€-6k▲ 80.8%
Operating result€10k-€28k▲ 187%€34k▲ 20.9%€-658€39k
Net result€9k-€28k▲ 201%€34k▲ 22.0%€-4k€25k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €39k after a loss of €658 in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €24k
Fixed assets
€5k▲ 218%
Current assets
€19k▲ 53.7%
Key figures and ratios
EBITDA
€41k▲
2024 · €603
Cash flow
€26k▲
2024 · €-3k
Solvency
-24.1%▲
2024 · -215.4%
Current ratio
0.65▲
2024 · 0.28
Quick ratio
0.65▲
2024 · 0.28
Debt / equity
-5.15▼
2024 · -1.46
ROA
101.5%▲
2024 · -26.9%
Interest coverage
57.10▲
2024 · 0.22
Debt
€30k▼
2024 · €45k
Debt ≤ 1 year
€30k▼
2024 · €45k
Income taxes
€14k▲
2024 · €451
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€14k€24k▲
Fixed assets21/28€2k€5k▲
Tangible fixed assets22/27€2k€5k▲
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24-€1k
Other tangible fixed assets26-€2k
Financial fixed assets28€25€25=
Current assets29/58€13k€19k▲
Amounts receivable within one year40/41-€14k
Trade receivables40-€850
Other amounts receivable41-€13k
Cash at bank and in hand54/58€9k€2k▼
Deferred charges and accrued income490/1€4k€4k▲
Equity and liabilities
Total equity and liabilities10/49€14k€24k▲
Equity10/15€-31k€-6k▲
Contributions10/11€12k€12k=
Reserves13€420€420=
Distributable reserves133€420€420=
Profit (loss) carried forward14€-43k€-19k▲
Amounts payable17/49€45k€30k▼
Amounts payable within one year42/48€45k€30k▼
Trade debts44€13k€3k▼
Suppliers440/4€13k€3k▼
Taxes, remuneration and social security45€4k€20k▲
Taxes450/3€4k€20k▲
Other amounts payable47/48€28k€7k▼
Accrued charges and deferred income492/3€147€150▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€2k▲
Other operating charges640/8€1k€1k▼
Gross operating margin9900€2k€42k▲
Operating profit (loss)9901€-658€39k▲
Financial income75/76B-€12
Recurring financial income75-€12
Financial charges65/66B€3k€721▼
Recurring financial charges65€3k€721▼
Profit (loss) for the period before taxes9903€-3k€39k▲
Income taxes67/77€451€14k▲
Profit (loss) for the period9904€-4k€25k▲
Profit (loss) for the period to be appropriated9905€-4k€25k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-43k€-19k▲
Profit (loss) brought forward from the previous period14P€-40k€-43k▼
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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
31-12
Financial
Back to profitnet €25k
Net result €25k after one loss-making year.
08-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
16-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €34k ▲22%
Net result €34k, the highest in the series.
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
09-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €9k
Net result €9k after 2 loss-making years.
23-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
03-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 95 days late
2019
31-12
Financial
Weakest financial yearnet €-67k ▼16133%
Net result drops to €-67k, the lowest in the series; recovery starts the following year.
04-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Sint-Genesius-Rode · 1 establishment unit since 2017
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.
Nieuw-Rodelaan 81640 Sint-Genesius-RodeGround area
5,702 m²
Building footprint
1,432 m²
Volume, LiDAR
18,037 m³
2 parcels, Brussels, Flanders · tallest building 21.3 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
GROW 3.0
since 20172.269.025.186
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21007A0063/00S009 | Brussels | 5,009 m² | 1 · 1,300 m² | 21.3 m · 4 fl. |
| 22004A0043/00L036 | Flanders | 692 m² | 1 · 132 m² | 12.3 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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LEMONNIER INVEST
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Van Derton Management
BE 0672.627.197
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Of 82,524 companies in sector 70200 we hold annual accounts for 52,566. 25,692 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded12-09-2017
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 8 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.