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 31527 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
21
/ 100
Critical▲ +14 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-63
Solvency37▲+4
Growth58▲+26
Stability100
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), 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
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 7% of 31527 sector peers (2025).
NBB · sector comparisonPosition among 31527 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
15-09-2026 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 year so far.
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
ROE
-421.0%▼
2024 · 12.5%
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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Of 82,215 companies in sector 70200 we hold annual accounts for 52,392. 25,609 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.