ImPROving
ActiveImPROving has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €103k and a net result of €-57k. Equity is growing by ~13.1% per year across the filed fiscal years. Its solvency ranks better than 20% of 31642 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
52
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability13▼-27
Solvency40▼-5
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity short (current ratio 0.38 against 1.59 in 2024; short-term debt: 9.1% and cash: 3% of total assets), and 85.4% 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 · 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
14.6%
Return on assets
-8.1%
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 20% of 31642 sector peers (2025).
NBB · sector comparisonPosition among 31642 sector peers
Solvency
better than 20%
← weakest
strongest →
neutral · A punctual record breaks
This company filed 7 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
15 d early
2023
5 d early
2022
24 d early
2021
34 d early
2020
44 d early
2019
21 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€103k▼ 35.7%
2024 · €160k
2018: €68k
2019: €55k
2020: €83k
2021: €20k
2022: €100k
2023: €153k
2024: €160k
2018 → 2025
Total assets
€706k▼ 12.0%
2024 · €802k
2018: €129k
2019: €120k
2020: €127k
2021: €146k
2022: €178k
2023: €213k
2024: €802k
2018 → 2025
Net result
€-57k
2024 · €7k
2018: €49k
2019: €-13k
2020: €28k
2021: €43k
2022: €80k
2023: €53k
2024: €7k
2018 → 2025
Working capital
€-40k
2024 · €33k
2018: €42k
2019: €26k
2020: €55k
2021: €6k
2022: €91k
2023: €151k
2024: €33k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€20k-€100k▲ 389%€153k▲ 53.2%€160k▲ 4.3%€103k▼ 35.7%
Operating result€57k-€102k▲ 78.4%€81k▼ 20.4%€37k▼ 54.3%€-14k
Net result€43k-€80k▲ 86.5%€53k▼ 33.2%€7k▼ 87.6%€-57k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €14k after €37k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €706k
Fixed assets
€681k▼ 4.3%
Current assets
€24k▼ 72.6%
Equity and liabilities €706k
Equity
€103k▼ 35.7%
Debt
€603k▼ 6.1%
The debt ratio rises from 80.1% to 85.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€22k▼
2024 · €60k
Cash flow
€-21k▼
2024 · €30k
Solvency
14.6%▼
2024 · 19.9%
Current ratio
0.38▼
2024 · 1.59
Quick ratio
0.38▼
2024 · 1.59
Debt / equity
5.87▲
2024 · 4.02
ROE
-55.4%▼
2024 · 4.1%
ROA
-8.1%▼
2024 · 0.8%
Interest coverage
0.51▼
2024 · 2.47
Debt
€603k▼
2024 · €642k
Debt ≤ 1 year
€64k▲
2024 · €56k
Debt > 1 year
€539k▼
2024 · €586k
Income taxes
€406▼
2024 · €6k
Staff costs
€0▼
2024 · €599
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€802k€706k▼
Fixed assets21/28€712k€681k▼
Tangible fixed assets22/27€712k€681k▼
Plant, machinery and equipment23€0€950▲
Furniture and vehicles24€70k€61k▼
Leasing and similar rights25€620k€595k▼
Other tangible fixed assets26€22k€24k▲
Financial fixed assets28€100€100=
Current assets29/58€89k€24k▼
Amounts receivable within one year40/41€21k€3k▼
Trade receivables40€20k€3k▼
Other amounts receivable41€1k€0▼
Cash at bank and in hand54/58€69k€21k▼
Deferred charges and accrued income490/1€7€480▲
Equity and liabilities
Total equity and liabilities10/49€802k€706k▼
Equity10/15€160k€103k▼
Contributions10/11€19k€19k=
Reserves13€141k€141k=
Distributable reserves133€141k€141k=
Profit (loss) carried forward14-€-57k
Amounts payable17/49€642k€603k▼
Amounts payable after more than one year17€586k€539k▼
Financial debts170/4€586k€539k▼
Amounts payable within one year42/48€56k€64k▲
Current portion of amounts payable after more than one year42€44k€47k▲
Trade debts44€4k€4k▲
Suppliers440/4€4k€4k▲
Taxes, remuneration and social security45€8k€10k▲
Taxes450/3€7k€10k▲
Remuneration and social security454/9€1k€0▼
Other amounts payable47/48-€3k
Income statement
Code20242025
Non-recurring operating income76A-€2k
Remuneration, social security and pensions62€599€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23k€36k▲
Other operating charges640/8€1k€3k▲
Gross operating margin9900€62k€24k▼
Operating profit (loss)9901€37k€-14k▼
Financial income75/76B€0€140▲
Recurring financial income75€0€140▲
Financial charges65/66B€24k€43k▲
Recurring financial charges65€24k€43k▲
Profit (loss) for the period before taxes9903€13k€-57k▼
Income taxes67/77€6k€406▼
Profit (loss) for the period9904€7k€-57k▼
Profit (loss) for the period to be appropriated9905€7k€-57k▼
Appropriation of the result
Profit (loss) to be appropriated9906€7k€-57k▼
Transfer to equity691/2€7k€0▼
To other reserves6921€7k€0▼
The notes to these accounts (12 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €-57k ▼964%
Net result drops to €-57k, the lowest in the series.
16-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €150kEq €153k ▲53.2%
4 profitable years in a row build equity to €153k.
07-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €80k ▲86.5%
Operating result €102k, net result €80k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 2.19
Current ratio from 1.05 to 2.19; short-term debt falls from €119k to €76k.
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
17-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €28k
Net result €28k after one loss-making year.
10-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
25-06
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
3 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, Zoersel · 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.
Ronkaartweg 162980 ZoerselGround area
1,156 m²
Building footprint
117 m²
Volume, LiDAR
672 m³
Parcel 11017B0059/00S004, Flanders · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ImPROving
since 20172.261.162.545
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11017B0059/00S004 | Flanders | 1,156 m² | 1 · 117 m² | 8.7 m · 2 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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 1,127 EUR awarded · 1,127 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,127 EUR | 1,127 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,570 companies in sector 70200 we hold annual accounts for 52,573. 40,610 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-01-2017
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
70100Activities of head offices
86997Human health activities
Sources
Crossroads Bank for EnterprisesNational Bank · 8 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.