INFO NAVIGATOR
ActiveINFO NAVIGATOR has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €317k and a net result of €22k. Equity is growing by ~9.2% per year across the filed fiscal years. Its solvency ranks better than 95% of 12632 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
94
/ 100
Excellent▲ +13 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability35▲+6
Solvency100▲+13
Growth65=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 8.8 against 1.43 in 2024), and 2% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
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
98%
Return on assets
6.8%
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 01-05-2026, 91 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
91 d early
2024
95 d early
2023
91 d early
2022
73 d early
2021
74 d early
2020
82 d early
2019
53 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€103k▲ 4.0%
2021 · €99k
2018: €95k
2019: €96k
2020: €97k
2021: €99k
2018 → 2022
EBIT margin
39.2%▲ 2.3pp
2021 · 36.9%
2018: 20.2%
2019: 25.0%
2020: 28.9%
2021: 36.9%
2018 → 2022
Net result
€22k▲ 27.7%
2024 · €17k
2018: €9k
2019: €14k
2020: €16k
2021: €24k
2022: €28k
2023: €28k
2024: €17k
2018 → 2025
Working capital
€52k▲ 238%
2024 · €15k
2018: €-28k
2019: €-23k
2020: €-17k
2021: €-5k
2022: €12k
2023: €-5k
2024: €15k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€99k-€103k▲ 4.0%
Equity€227k-€250k▲ 10.3%€278k▲ 11.1%€295k▲ 6.2%€317k▲ 7.5%
Operating result€36k-€40k▲ 10.4%€40k▼ 1.4%€30k▼ 24.4%€31k▲ 2.9%
Net result€24k-€28k▲ 20.4%€28k▼ 2.1%€17k▼ 37.5%€22k▲ 27.7%
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 3% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €324k
Fixed assets
€266k▼ 5.1%
Current assets
€58k▲ 15.1%
Equity and liabilities €324k
Equity
€317k▲ 7.5%
Debt
€7k▼ 81.3%
The debt ratio falls from 10.7% to 2.0%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€45k▲
2024 · €44k
Cash flow
€36k▲
2024 · €32k
Solvency
98.0%▲
2024 · 89.3%
Current ratio
8.80▲
2024 · 1.43
Quick ratio
8.80▲
2024 · 1.43
Debt / equity
0.02▼
2024 · 0.12
ROE
7.0%▲
2024 · 5.9%
ROA
6.8%▲
2024 · 5.2%
Interest coverage
149.40▲
2024 · 23.58
Debt
€7k▼
2024 · €35k
Debt ≤ 1 year
€7k▼
2024 · €35k
Income taxes
€10k▼
2024 · €11k
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€330k€324k▼
Fixed assets21/28€280k€266k▼
Tangible fixed assets22/27€280k€266k▼
Land and buildings22€257k€248k▼
Furniture and vehicles24€23k€18k▼
Financial fixed assets28€50€50=
Current assets29/58€51k€58k▲
Amounts receivable within one year40/41€732€388▼
Other amounts receivable41€732€388▼
Current investments50/53€25k-
Cash at bank and in hand54/58€24k€55k▲
Deferred charges and accrued income490/1€1k€3k▲
Equity and liabilities
Total equity and liabilities10/49€330k€324k▼
Equity10/15€295k€317k▲
Contributions10/11€25k€25k=
Reserves13€267k€289k▲
Non-distributable reserves130/1€3k€3k=
Reserves not available under the articles1311€3k€3k=
Tax-exempt reserves132€797€797=
Distributable reserves133€264k€286k▲
Profit (loss) carried forward14€3k€3k▲
Amounts payable17/49€35k€7k▼
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€35k€7k▼
Current portion of amounts payable after more than one year42€11k-
Trade debts44€6k€174▼
Suppliers440/4€6k€174▼
Taxes, remuneration and social security45€3k€6k▲
Taxes450/3€3k€6k▲
Other amounts payable47/48€15k€242▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€14k=
Other operating charges640/8€3k€3k▼
Gross operating margin9900€47k€48k▲
Operating profit (loss)9901€30k€31k▲
Financial income75/76B€312€1k▲
Recurring financial income75€312€1k▲
Financial charges65/66B€2k€302▼
Recurring financial charges65€2k€302▼
Profit (loss) for the period before taxes9903€28k€32k▲
Income taxes67/77€11k€10k▼
Profit (loss) for the period9904€17k€22k▲
Profit (loss) for the period to be appropriated9905€17k€22k▲
Appropriation of the result
Profit (loss) to be appropriated9906€20k€25k▲
Profit (loss) brought forward from the previous period14P€3k€3k▲
Transfer to equity691/2€17k€22k▲
To other reserves6921€17k€22k▲
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
2026
01-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity times 6current ratio 8.80
Current ratio from 1.43 to 8.80; short-term debt falls from €35k to €7k.
27-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
01-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
19-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €28k ▲20.4%
Operating result €40k, net result €28k, both a record.
18-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
10-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €200kEq €203k ▲8.8%
3 profitable years in a row build equity to €203k.
08-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
11-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
24-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Gent · 1 establishment unit since 1998
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.
Bisschopstraat 139050 GentGround area
947 m²
Building footprint
946 m²
Volume, LiDAR
20,948 m³
Parcel 44032A0215/00G003, Flanders · tallest building 24.3 m, ±8 floors. Linked by address, not a title deed.
1 establishment unit
INFO NAVIGATOR BVBA
since 19982.088.835.315
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44032A0215/00G003 | Flanders | 947 m² | 1 · 946 m² | 24.3 m · 8 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
2022 · 1 entry · 185 EUR awarded · 185 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 185 EUR | 185 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 12,122 companies in sector 69201 we hold annual accounts for 7,601. 5,984 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded24-08-1998
Fiscal year end31-12
Activities, NACEBEL
69201Certified accountants and tax accountants
69202Legal and accounting activities
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:kathleen.vonck@infonavigator.be
Phone:0476/22.99.79