JUDGE
ActiveJUDGE has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €374k and a net result of €66k. Equity is growing by ~23.8% per year across the filed fiscal years. Its solvency ranks better than 73% of 31544 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
91
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability86▼-8
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 4.35 against 12.44 in 2024; short-term debt: 22.9% and cash: 56.3% of total assets), and 22.9% 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
77.1%
Return on assets
13.7%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
on the day
2024
on the day
2023
5 d early
2022
6 d early
2021
15 d early
2020
31 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
16-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€374k▼ 6.9%
2024 · €402k
2020: €95k
2021: €177k
2022: €265k
2023: €313k
2024: €402k
2020 → 2025
Total assets
€485k▲ 11.1%
2024 · €437k
2020: €167k
2021: €232k
2022: €309k
2023: €338k
2024: €437k
2020 → 2025
Net result
€66k▼ 24.8%
2024 · €88k
2020: €94k
2021: €82k
2022: €87k
2023: €61k
2024: €88k
2020 → 2025
Working capital
€373k▼ 6.8%
2024 · €401k
2020: €86k
2021: €170k
2022: €259k
2023: €311k
2024: €401k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€177k-€265k▲ 49.2%€313k▲ 18.5%€402k▲ 28.2%€374k▼ 6.9%
Operating result€119k-€127k▲ 7.0%€89k▼ 30.1%€135k▲ 51.3%€100k▼ 26.0%
Net result€82k-€87k▲ 6.3%€61k▼ 30.1%€88k▲ 44.8%€66k▼ 24.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 26% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €485k
Fixed assets
€912▼ 28.7%
Current assets
€484k▲ 11.2%
Equity and liabilities €485k
Equity
€374k▼ 6.9%
Debt
€111k▲ 218%
The debt ratio rises from 8.0% to 22.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€100k▼
2024 · €137k
Cash flow
€67k▼
2024 · €91k
Solvency
77.1%▼
2024 · 92.0%
Current ratio
4.35▼
2024 · 12.44
Quick ratio
4.35▼
2024 · 12.44
Debt / equity
0.30▲
2024 · 0.09
ROE
17.7%▼
2024 · 22.0%
ROA
13.7%▼
2024 · 20.2%
Interest coverage
23.90▼
2024 · 28.40
Debt
€111k▲
2024 · €35k
Debt ≤ 1 year
€111k▲
2024 · €35k
Income taxes
€29k▼
2024 · €41k
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€437k€485k▲
Fixed assets21/28€1k€912▼
Tangible fixed assets22/27€1k€912▼
Plant, machinery and equipment23€829€461▼
Furniture and vehicles24€451€451=
Current assets29/58€436k€484k▲
Amounts receivable after more than one year29€128k€128k=
Other amounts receivable291€128k€128k=
Amounts receivable within one year40/41€78k€83k▲
Trade receivables40€60k€52k▼
Other amounts receivable41€18k€31k▲
Cash at bank and in hand54/58€227k€273k▲
Deferred charges and accrued income490/1€2k€345▼
Equity and liabilities
Total equity and liabilities10/49€437k€485k▲
Equity10/15€402k€374k▼
Contributions10/11€1k€1k=
Reserves13€401k€373k▼
Distributable reserves133€401k€373k▼
Amounts payable17/49€35k€111k▲
Amounts payable within one year42/48€35k€111k▲
Trade debts44€8k€7k▼
Suppliers440/4€8k€7k▼
Taxes, remuneration and social security45€27k€10k▼
Taxes450/3€27k€10k▼
Other amounts payable47/48-€94k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€368▼
Other operating charges640/8€660€627▼
Gross operating margin9900€138k€101k▼
Operating profit (loss)9901€135k€100k▼
Financial charges65/66B€5k€4k▼
Recurring financial charges65€5k€4k▼
Profit (loss) for the period before taxes9903€130k€95k▼
Income taxes67/77€41k€29k▼
Profit (loss) for the period9904€88k€66k▼
Profit (loss) for the period to be appropriated9905€88k€66k▼
Appropriation of the result
Profit (loss) to be appropriated9906€88k€66k▼
Transfer from equity791/2-€94k
Transfer to equity691/2€88k€66k▼
To the legal reserve6920€88k€66k▼
Profit to be distributed694/7-€94k
Return on contributions (dividend)694-€94k
The notes to these accounts (4 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
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
25-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Weakest financial yearnet €61k ▼30.1%
Net result drops to €61k, the lowest in the series; recovery starts the following year.
30-09
Financial
Liquidity doublescurrent ratio 13.69
Current ratio from 6.77 to 13.69; short-term debt falls from €45k to €24k.
24-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Equity above €200kEq €265k ▲49.2%
3 profitable years in a row build equity to €265k.
15-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Equity above €150kEq €177k ▲86.3%
2 profitable years in a row build equity to €177k.
30-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro 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, Tienen · 1 establishment unit since 2019
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.
Groot Overlaar(HGD) 2063300 TienenGround area
2,698 m²
Building footprint
246 m²
Volume, LiDAR
1,221 m³
Parcel 24081H0134/00D000, Flanders · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JUDGE
since 20192.291.217.796
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24081H0134/00D000 | Flanders | 2,698 m² | 1 · 246 m² | 7.8 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.
Similar companies · same sector, comparable size
SIBOREX
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ExecAdvice
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RACQUET PLASTICS
BE 0886.591.678
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ACT Invest
BE 0804.666.072
Ciney · Eq €374k
SYNERGIE WELLFIT
BE 0543.446.062
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Of 82,518 companies in sector 70200 we hold annual accounts for 52,573. 36,799 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-07-2019
Fiscal year end30-09
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
46150Agents in the wholesale of furniture, household goods and hardware
46180Agents specialised in the wholesale of other particular products
47740Retail trade
47741Retail sale of medical and orthopaedic goods, excluding prescription glasses and lenses
47920Retail trade
64210Activities of holding companies
68110Buying and selling of own real estate
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
82990Other business support services
86995Nutrition and dietetics services
96999Other personal services
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.