JOIN
ActiveJOIN has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show negative equity (€-35k) and a net result of €-17k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 20785 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2024
29
/ 100
Weak
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability0=
Solvency0=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.21 against 0.72 in 2023; short-term debt: 195.4% and cash: 9.5% of total assets), and equity is negative.
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 62
Relative position
BE, all sectors
reference
Sector 62
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 2024Solvency, return and age of the figures
Solvency
-95.4%
Return on assets
-45.7%
Age of the figures
21 mo
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
raises risk · Negative equity
The 2024 annual accounts show negative equity and a net loss.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year €-35k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 03-07-2025, 28 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
28 d early
2023
30 d late
2022
23 d late
2021
24 d late
2020
3 d early
2019
27 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€-35k▼ 91.8%
2023 · €-18k
2018: €-7k
2019: €31k
2020: €70k
2021: €35k
2022: €6k
2023: €-18k
2018 → 2024
Total assets
€37k▼ 25.7%
2023 · €49k
2018: €34k
2019: €82k
2020: €103k
2021: €55k
2022: €23k
2023: €49k
2018 → 2024
Net result
€-17k▲ 30.7%
2023 · €-24k
2018: €4k
2019: €77k
2020: €59k
2021: €-35k
2022: €-29k
2023: €-24k
2018 → 2024
Working capital
€-56k▼ 197%
2023 · €-19k
2018: €-8k
2019: €25k
2020: €65k
2021: €32k
2022: €5k
2023: €-19k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€70k-€35k▼ 49.7%€6k▼ 83.1%€-18k€-35k▼ 91.8%
Operating result€71k-€-33k€-27k▲ 16.0%€-23k▲ 17.1%€-16k▲ 28.3%
Net result€59k-€-35k€-29k▲ 16.0%€-24k▲ 17.2%€-17k▲ 30.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €16k in 2024 against €23k in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €37k
Fixed assets
€21k▲ 2,848%
Current assets
€15k▼ 68.4%
Key figures and ratios
EBITDA
€-7k▲
2023 · €-22k
Cash flow
€-7k▲
2023 · €-24k
Solvency
-95.4%▼
2023 · -36.9%
Current ratio
0.21▼
2023 · 0.72
Quick ratio
0.21▼
2023 · 0.72
Debt / equity
-2.05▲
2023 · -3.71
ROA
-45.7%▲
2023 · -48.9%
Interest coverage
-28.26▼
2023 · -18.23
Debt
€72k▲
2023 · €68k
Debt ≤ 1 year
€72k▲
2023 · €68k
Income taxes
€223▼
2023 · €235
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€49k€37k▼
Fixed assets21/28€723€21k▲
Tangible fixed assets22/27€723€21k▲
Plant, machinery and equipment23€723€287▼
Furniture and vehicles24-€21k
Current assets29/58€49k€15k▼
Amounts receivable within one year40/41€9k€12k▲
Trade receivables40€169-
Other amounts receivable41€9k€12k▲
Cash at bank and in hand54/58€40k€3k▼
Deferred charges and accrued income490/1€423€329▼
Equity and liabilities
Total equity and liabilities10/49€49k€37k▼
Equity10/15€-18k€-35k▼
Contributions10/11€19k€19k=
Reserves13€51k€51k=
Non-distributable reserves130/1€225€225=
Reserves not available under the articles1311€225€225=
Distributable reserves133€51k€51k=
Profit (loss) carried forward14€-88k€-105k▼
Amounts payable17/49€68k€72k▲
Amounts payable within one year42/48€68k€72k▲
Trade debts44€2k€870▼
Suppliers440/4€2k€870▼
Taxes, remuneration and social security45€685€458▼
Taxes450/3€685€458▼
Other amounts payable47/48€65k€70k▲
Income statement
Code20232024
Non-recurring operating income76A-€1k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€436€10k▲
Other operating charges640/8€384€387▲
Gross operating margin9900€-22k€-6k▲
Operating profit (loss)9901€-23k€-16k▲
Financial income75/76B€0€0▼
Recurring financial income75€0€0▼
Financial charges65/66B€1k€231▼
Recurring financial charges65€1k€231▼
Profit (loss) for the period before taxes9903€-24k€-17k▲
Income taxes67/77€235€223▼
Profit (loss) for the period9904€-24k€-17k▲
Profit (loss) for the period to be appropriated9905€-24k€-17k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-88k€-105k▼
Profit (loss) brought forward from the previous period14P€-64k€-88k▼
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
2025
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
23-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 23 days late
2022
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 24 days late
2021
31-12
Financial
Weakest financial yearnet €-35k ▼159%
Net result drops to €-35k, the lowest in the series; recovery starts the following year.
28-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity doublescurrent ratio 2.99
Current ratio from 1.48 to 2.99; short-term debt falls from €52k to €33k.
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 27 days late
2019
31-12
Financial
Highest result since 2018net €77k ▲2017%
Operating result €95k, net result €77k, both a record.
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 24 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
2016
22-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 22 days late
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, Tremelo · 1 establishment unit since 2015
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.
Maria-ter-Heidelaan 283120 TremeloGround area
1,290 m²
Building footprint
166 m²
Volume, LiDAR
975 m³
Parcel 24109A0370/00C000, Flanders · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JOIN
since 20152.239.456.816
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24109A0370/00C000 | Flanders | 1,290 m² | 1 · 166 m² | 8.5 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.
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Of 30,000 companies in sector 62200 we hold annual accounts for 18,394. 6,861 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded16-02-2015
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
58290Other software publishing
62010Computer programming, consultancy and related activities
62100Computer programming
63100Computing infrastructure, data processing, hosting and related activities
63110Computing infrastructure, data processing, hosting and other information service activities
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 10 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.