HUMAN CODE
ActiveHUMAN CODE has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €93k and a net result of €28k. Equity is growing by ~31.5% per year across the filed fiscal years. Its solvency ranks better than 71% of 31061 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
93
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth52=
Stability94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 4.05 against 6.89 in 2024), and 24.3% 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
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 · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
75.7%
Return on assets
22.5%
Age of the figures
8 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-07-2026, 7 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
7 d early
2024
7 d early
2023
1 d early
← 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
07-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€93k▲ 20.3%
2024 · €77k
2023: €44k
2024: €77k
2023 → 2025
Total assets
€122k▲ 36.6%
2024 · €90k
2023: €61k
2024: €90k
2023 → 2025
Net result
€28k▼ 16.1%
2024 · €33k
2023: €42k
2024: €33k
2023 → 2025
Working capital
€91k▲ 21.6%
2024 · €75k
2023: €42k
2024: €75k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€44k-€77k▲ 74.3%€93k▲ 20.3%
Operating result€53k-€44k▼ 17.0%€38k▼ 14.1%
Net result€42k-€33k▼ 22.2%€28k▼ 16.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 14% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €122k
Fixed assets
€2k▼ 17.5%
Current assets
€120k▲ 38.1%
Equity and liabilities €122k
Equity
€93k▲ 20.3%
Debt
€30k▲ 135%
The debt ratio rises from 14.1% to 24.3%: debt grows faster than equity.
Key figures and ratios
EBITDA
€38k▼
2024 · €44k
Cash flow
€28k▼
2024 · €33k
Solvency
75.7%▼
2024 · 85.9%
Current ratio
4.05▼
2024 · 6.89
Quick ratio
4.05▼
2024 · 6.89
Debt / equity
0.32▲
2024 · 0.16
ROE
29.7%▼
2024 · 42.6%
ROA
22.5%▼
2024 · 36.6%
Interest coverage
12.93▼
2024 · 17.77
Debt
€30k▲
2024 · €13k
Debt ≤ 1 year
€30k▲
2024 · €13k
Income taxes
€7k▼
2024 · €8k
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
Total assets20/58€90k€122k▲
Fixed assets21/28€2k€2k▼
Tangible fixed assets22/27€2k€2k▼
Current assets29/58€87k€120k▲
Amounts receivable within one year40/41€28k€20k▼
Cash & bank54/58€56k€99k▲
Total equity & liabilities10/49€90k€122k▲
Equity10/15€77k€93k▲
Contributions / capital10/11€2k€2k=
Reserves13€75k€91k▲
Accumulated profits (losses)14-€0
Amounts payable17/49€13k€30k▲
Amounts payable within one year42/48€13k€30k▲
Trade debts payable within one year44€1k€3k▲
Income statement
Code20242025
Gross operating margin9900€44k€38k▼
Operating result9901€44k€38k▼
Financial income75€6€82▲
Financial charges65€2k€3k▲
Result before taxes9903€41k€35k▼
Income taxes67/77€8k€7k▼
Net result for the period9904€33k€28k▼
Result to be appropriated9905€33k€28k▼
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €28k ▼16.1%
Net result drops to €28k, the lowest in the series.
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Comparable companies · same sector, comparable size
Similar companies · same sector, comparable size
Seyntech
BE 0763.580.733
Pittem · Eq €93k
F.A.R.D. CONSULT
BE 1010.113.755
Wortegem-Petegem · Eq €93k
Quaestor Holding
BE 0784.998.036
Riemst · Eq €93k
Koen Van Dooren
BE 0759.979.558
Sint-Niklaas · Eq €92k
VICTORY CONSULTING
BE 0720.518.077
Brugge · Eq €92k
Of 5,648 companies in sector 70100 we hold annual accounts for 3,459. 2,245 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-01-2023
Fiscal year end31-12
Activities, NACEBEL
70100Activities of head offices
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
78200Temporary employment agencies and other provision of personnel
82100Office administrative and support services
82110Office administrative, office support and other business support activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 21-07-2026. Scores and ratios are computed by Checked and are not a credit decision.