HANDELSGIDS
ActiveHANDELSGIDS has been active since 1990 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.51M and a net result of €67k. Equity is growing by ~5.4% per year across the filed fiscal years. Its solvency ranks better than 94% of 480 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
91
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74=
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €130k at 30 days acceptable
Liquidity ample (current ratio 23.28 against 7.97 in 2024; short-term debt: 4% and cash: 26.8% of total assets), and 4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 63
Relative position
BE, all sectors
reference
Sector 63
lower
← fewer bankruptcies
more bankruptcies →
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
96%
Return on assets
4.2%
Age of the figures
18 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 30-10-2025, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
30 d early
2023
1 d early
2022
38 d early
2021
31 d early
2020
1 d early
2019
12 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close22-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.51M▲ 4.6%
2024 · €1.44M
2019: €1.00M
2020: €1.14M
2021: €1.34M
2022: €1.46M
2023: €1.43M
2024: €1.44M
2019 → 2025
Total assets
€1.57M▼ 3.6%
2024 · €1.63M
2019: €1.47M
2020: €1.41M
2021: €1.60M
2022: €1.73M
2023: €1.56M
2024: €1.63M
2019 → 2025
Net result
€67k▲ 0.2%
2024 · €67k
2019: €279k
2020: €216k
2021: €287k
2022: €205k
2023: €-28k
2024: €67k
2019 → 2025
Working capital
€1.38M▲ 6.4%
2024 · €1.30M
2019: €860k
2020: €1.02M
2021: €1.17M
2022: €1.29M
2023: €1.31M
2024: €1.30M
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.34M-€1.46M▲ 9.0%€1.43M▼ 1.9%€1.44M▲ 0.8%€1.51M▲ 4.6%
Operating result€343k-€253k▼ 26.2%€3k▼ 99.0%€13k▲ 433%€71k▲ 432%
Net result€287k-€205k▼ 28.5%€-28k€67k€67k▲ 0.2%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 432% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.57M
Fixed assets
€126k▼ 11.8%
Current assets
€1.45M▼ 2.8%
Equity and liabilities €1.57M
Equity
€1.51M▲ 4.6%
Debt
€62k▼ 66.7%
The debt ratio falls from 11.5% to 4.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€139k▲
2024 · €70k
Cash flow
€134k▲
2024 · €123k
Solvency
96.0%▲
2024 · 88.5%
Current ratio
23.28▲
2024 · 7.97
Quick ratio
23.28▲
2024 · 7.97
Debt / equity
0.04▼
2024 · 0.13
ROE
4.4%▼
2024 · 4.6%
ROA
4.2%▲
2024 · 4.1%
Interest coverage
70.35▲
2024 · 21.39
Debt
€62k▼
2024 · €187k
Debt ≤ 1 year
€62k▼
2024 · €187k
Income taxes
€36k▲
2024 · €4k
Staff costs
€197k▲
2024 · €190k
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€1.63M€1.57M▼
Fixed assets21/28€142k€126k▼
Tangible fixed assets22/27€142k€126k▼
Land and buildings22€8k-
Plant, machinery and equipment23€44k€27k▼
Furniture and vehicles24€91k€99k▲
Current assets29/58€1.49M€1.45M▼
Amounts receivable within one year40/41€166k€132k▼
Trade receivables40€148k€119k▼
Other amounts receivable41€17k€13k▼
Current investments50/53€881k€881k=
Cash at bank and in hand54/58€433k€421k▼
Deferred charges and accrued income490/1€7k€11k▲
Equity and liabilities
Total equity and liabilities10/49€1.63M€1.57M▼
Equity10/15€1.44M€1.51M▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€1.38M€1.45M▲
Non-distributable reserves130/1€7k€7k=
Legal reserve130€7k€7k=
Distributable reserves133€1.37M€1.44M▲
Amounts payable17/49€187k€62k▼
Amounts payable within one year42/48€187k€62k▼
Trade debts44€106k€13k▼
Suppliers440/4€106k€13k▼
Taxes, remuneration and social security45€33k€38k▲
Taxes450/3€4k€8k▲
Remuneration and social security454/9€29k€30k▲
Other amounts payable47/48€48k€11k▼
Income statement
Code20242025
Remuneration, social security and pensions62€190k€197k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€56k€68k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€13k€36k▲
Other operating charges640/8€43k€29k▼
Non-recurring operating charges66A-€179
Gross operating margin9900€316k€402k▲
Operating profit (loss)9901€13k€71k▲
Financial income75/76B€61k€34k▼
Recurring financial income75€61k€34k▼
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€71k€103k▲
Income taxes67/77€4k€36k▲
Profit (loss) for the period9904€67k€67k▲
Profit (loss) for the period to be appropriated9905€67k€67k▲
Appropriation of the result
Profit (loss) to be appropriated9906€38k€67k▲
Profit (loss) brought forward from the previous period14P€-28k-
Transfer from equity791/2€25k-
Transfer to equity691/2€8k€67k▲
To other reserves6921€8k€67k▲
Profit to be distributed694/7€55k-
Return on contributions (dividend)694€25k-
Directors or managers695€30k-
Social balance
Average headcount (FTE)90872.32.4▲
The notes to these accounts (7 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
30-10
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
31-03
Financial
Liquidity triplescurrent ratio 23.28
Current ratio from 7.97 to 23.28; short-term debt falls from €187k to €62k.
2024
01-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
31-03
Financial
Back to profitnet €67k
Net result €67k after one loss-making year.
2023
30-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
31-03
Financial
Weakest financial yearnet €-28k ▼114%
Net result drops to €-28k, the lowest in the series; recovery starts the following year.
31-03
Financial
Liquidity doublescurrent ratio 11.49
Current ratio from 5.74 to 11.49; short-term debt falls from €273k to €125k.
2022
23-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2021
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
31-03
Financial
Highest result since 2019net €287k ▲32.6%
Net result €287k, the highest in the series.
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2019
19-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
29-09
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
22-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
27-09
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
7 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, Diest · 2 establishment units since 1990
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.
Jan Gorislaan 1103293 DiestGround area
3,335 m²
Building footprint
597 m²
Volume, LiDAR
19,873 m³
2 parcels, Flanders · tallest building 54.0 m, ±17 floors. Linked by address, not a title deed.
2 establishment units
Handelsgids
since 19902.046.508.869
Handelsgids
since 20162.268.126.551
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35384A0089/00B033 | Flanders | 1,925 m² | 1 · 373 m² | 54.0 m · 17 fl. |
| 24046A0094/00K000 | Flanders | 1,410 m² | 1 · 224 m² | 8.2 m · 2 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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Gent · Eq €1.46M
Of 2,790 companies in sector 63910 we hold annual accounts for 700. 202 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded02-01-1990
Fiscal year end31-03
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
63120Computing infrastructure, data processing, hosting and other information service activities
63910Web portal activities
72220
74811
63100Computing infrastructure, data processing, hosting and related activities
63110Computing infrastructure, data processing, hosting and other information service activities
73110Advertising agencies
73120Media representation
74201Photography, excluding press photography
77399Renting and leasing of other machinery, equipment and tangible goods
82300Organisation of conventions and trade shows
Sources
Crossroads Bank for EnterprisesNational Bank · 35 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.