i-LUDUS
Activei-LUDUS has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €369k and a net result of €76k. Equity is growing by ~36.7% per year across the filed fiscal years. Its solvency ranks better than 82% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
96
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability91▲+7
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 9.68 against 21.61 in 2024; short-term debt: 9.3% and cash: 77.9% of total assets), and 14.9% 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 · 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 →
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
85.1%
Return on assets
17.5%
Age of the figures
9 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 01-06-2026, 60 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
60 d early
2024
21 d late
2023
44 d early
2022
40 d early
2021
59 d early
2020
39 d late
2019
17 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€120k
EBIT margin
-7.2%
Net result
€76k▲ 106%
2024 · €37k
2018: €-9k
2019: €20k
2020: €9k
2021: €42k
2022: €72k
2023: €68k
2024: €37k
2018 → 2025
Working capital
€349k▲ 21.4%
2024 · €288k
2018: €38k
2019: €61k
2020: €70k
2021: €107k
2022: €182k
2023: €251k
2024: €288k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€116k-€188k▲ 61.5%€256k▲ 36.3%€293k▲ 14.3%€369k▲ 25.9%
Operating result€61k-€99k▲ 63.2%€101k▲ 1.2%€50k▼ 50.7%€106k▲ 115%
Net result€42k-€72k▲ 68.8%€68k▼ 4.7%€37k▼ 46.2%€76k▲ 106%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 115% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €433k
Fixed assets
€43k▲ 775%
Current assets
€390k▲ 29.1%
Equity and liabilities €433k
Equity
€369k▲ 25.9%
Debt
€64k▲ 361%
The debt ratio rises from 4.6% to 14.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€110k▲
2024 · €52k
Cash flow
€79k▲
2024 · €39k
Solvency
85.1%▼
2024 · 95.4%
Current ratio
9.68▼
2024 · 21.61
Quick ratio
9.68▼
2024 · 21.61
Debt / equity
0.17▲
2024 · 0.05
ROE
20.6%▲
2024 · 12.5%
ROA
17.5%▲
2024 · 12.0%
Interest coverage
247.13▲
2024 · 141.82
Debt
€64k▲
2024 · €14k
Debt ≤ 1 year
€40k▲
2024 · €14k
Debt > 1 year
€24k
Income taxes
€30k▲
2024 · €12k
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€307k€433k▲
Fixed assets21/28€5k€43k▲
Tangible fixed assets22/27€5k€43k▲
Furniture and vehicles24€5k€2k▼
Leasing and similar rights25-€41k
Current assets29/58€302k€390k▲
Amounts receivable within one year40/41€35k€47k▲
Trade receivables40€16k€27k▲
Other amounts receivable41€20k€19k▼
Cash at bank and in hand54/58€260k€337k▲
Deferred charges and accrued income490/1€6k€6k▼
Equity and liabilities
Total equity and liabilities10/49€307k€433k▲
Equity10/15€293k€369k▲
Contributions10/11€12k€12k=
Reserves13€260k€335k▲
Distributable reserves133€260k€335k▲
Profit (loss) carried forward14€21k€21k▲
Amounts payable17/49€14k€64k▲
Amounts payable after more than one year17-€24k
Financial debts170/4-€24k
Amounts payable within one year42/48€14k€40k▲
Current portion of amounts payable after more than one year42-€8k
Financial debts43€35€122▲
Credit institutions430/8€35€122▲
Trade debts44€94€12k▲
Suppliers440/4€94€12k▲
Taxes, remuneration and social security45€14k€20k▲
Taxes450/3€14k€20k▲
Other amounts payable47/48€316€348▲
Income statement
Code20242025
Non-recurring operating income76A-€5k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▲
Other operating charges640/8€1k€3k▲
Gross operating margin9900€53k€112k▲
Operating profit (loss)9901€50k€106k▲
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€367€444▲
Recurring financial charges65€367€444▲
Profit (loss) for the period before taxes9903€49k€106k▲
Income taxes67/77€12k€30k▲
Profit (loss) for the period9904€37k€76k▲
Profit (loss) for the period to be appropriated9905€37k€76k▲
Appropriation of the result
Profit (loss) to be appropriated9906€57k€96k▲
Profit (loss) brought forward from the previous period14P€21k€21k=
Transfer to equity691/2€37k€76k▲
To other reserves6921€37k€76k▲
The notes to these accounts (8 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
01-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €76k ▲106%
Operating result €106k, net result €76k, both a record.
21-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 21 days late
2024
31-12
Financial
Liquidity quadruplescurrent ratio 21.61
Current ratio from 5.61 to 21.61; short-term debt falls from €54k to €14k.
17-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €200kEq €256k ▲36.3%
5 profitable years in a row build equity to €256k.
21-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €150kEq €188k ▲61.5%
4 profitable years in a row build equity to €188k.
02-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €100kEq €116k ▲57.3%
3 profitable years in a row build equity to €116k.
08-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 39 days late
2020
17-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 17 days late
2019
31-12
Financial
Back to profitnet €20k
Net result €20k after one loss-making year.
13-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 13 days late
2018
22-05
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated 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, Waasmunster · 1 establishment unit since 2016
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.
Rivierstraat 319250 WaasmunsterGround area
1,087 m²
Building footprint
127 m²
Volume, LiDAR
650 m³
Parcel 42342C1208/00P000, Flanders · tallest building 8.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Rivierstraat 31, 9250 Waasmunster
since 20162.255.451.027
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42342C1208/00P000 | Flanders | 1,087 m² | 1 · 127 m² | 8.6 m · 1 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 855 EUR awarded · 812 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 855 EUR | 812 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 36,878 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-08-2016
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.