KARAKTERS
ActiveKARAKTERS has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €283k and a net result of €13k. Equity is growing by ~4.7% per year across the filed fiscal years. Its solvency ranks better than 28% of 307 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
60
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▲+1
Solvency45▲+2
Growth52=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity tight (current ratio 1.25 against 1.31 in 2024; short-term debt: 58.3% and cash: 2.5% of total assets), and 80.2% 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 · 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
19.8%
Return on assets
0.9%
Age of the figures
9 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 18
Relative position
BE, all sectors
reference
Sector 18
lower
← fewer bankruptcies
more bankruptcies →
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 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
7 d early
2023
7 d early
2022
26 d early
2021
31 d late
2020
31 d late
2019
69 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€283k▲ 4.7%
2024 · €270k
2018: €207k
2020: €218k
2021: €224k
2022: €226k
2023: €266k
2024: €270k
2018 → 2025
Total assets
€1.43M▼ 7.0%
2024 · €1.54M
2018: €723k
2020: €1.33M
2021: €1.35M
2022: €1.47M
2023: €1.45M
2024: €1.54M
2018 → 2025
Net result
€13k▲ 199%
2024 · €4k
2018: €104k
2020: €3k
2021: €6k
2022: €102k
2023: €40k
2024: €4k
2018 → 2025
Working capital
€208k▼ 18.6%
2024 · €255k
2018: €92k
2020: €580k
2021: €342k
2022: €371k
2023: €159k
2024: €255k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€224k-€226k▲ 0.9%€266k▲ 17.6%€270k▲ 1.6%€283k▲ 4.7%
Operating result€11k-€122k▲ 1,037%€77k▼ 36.6%€38k▼ 51.1%€54k▲ 43.8%
Net result€6k-€102k▲ 1,639%€40k▼ 61.0%€4k▼ 89.3%€13k▲ 199%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 44% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.43M
Fixed assets
€389k▼ 13.9%
Current assets
€1.04M▼ 4.2%
Equity and liabilities €1.43M
Equity
€283k▲ 4.7%
Debt
€1.15M▼ 9.5%
The debt ratio falls from 82.4% to 80.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€149k▲
2024 · €133k
Cash flow
€108k▲
2024 · €99k
Solvency
19.8%▲
2024 · 17.6%
Current ratio
1.25▼
2024 · 1.31
Quick ratio
1.25▼
2024 · 1.31
Debt / equity
4.06▼
2024 · 4.69
ROE
4.5%▲
2024 · 1.6%
ROA
0.9%▲
2024 · 0.3%
Interest coverage
14.93▲
2024 · 11.32
Debt
€1.15M▼
2024 · €1.27M
Debt ≤ 1 year
€833k▲
2024 · €831k
Debt > 1 year
€94k▼
2024 · €189k
Income taxes
€32k▲
2024 · €23k
Staff costs
€1.90M▼
2024 · €1.94M
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€1.54M€1.43M▼
Fixed assets21/28€451k€389k▼
Intangible fixed assets21€146k€119k▼
Tangible fixed assets22/27€280k€243k▼
Plant, machinery and equipment23€34k€28k▼
Furniture and vehicles24€33k€25k▼
Other tangible fixed assets26€212k€190k▼
Financial fixed assets28€26k€26k=
Current assets29/58€1.09M€1.04M▼
Amounts receivable within one year40/41€984k€962k▼
Trade receivables40€973k€945k▼
Other amounts receivable41€11k€18k▲
Cash at bank and in hand54/58€64k€36k▼
Deferred charges and accrued income490/1€38k€42k▲
Equity and liabilities
Total equity and liabilities10/49€1.54M€1.43M▼
Equity10/15€270k€283k▲
Contributions10/11€12k€12k=
Reserves13€258k€270k▲
Tax-exempt reserves132€12k€12k=
Distributable reserves133€246k€259k▲
Amounts payable17/49€1.27M€1.15M▼
Amounts payable after more than one year17€189k€94k▼
Financial debts170/4€189k€94k▼
Amounts payable within one year42/48€831k€833k▲
Current portion of amounts payable after more than one year42€304k€199k▼
Financial debts43-€50k
Credit institutions430/8-€50k
Trade debts44€180k€296k▲
Suppliers440/4€180k€296k▲
Taxes, remuneration and social security45€297k€289k▼
Taxes450/3€87k€103k▲
Remuneration and social security454/9€210k€186k▼
Other amounts payable47/48€49k€5▼
Accrued charges and deferred income492/3€248k€220k▼
Income statement
Code20242025
Remuneration, social security and pensions62€1.94M€1.90M▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€95k€95k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€0-
Other operating charges640/8€7k€2k▼
Non-recurring operating charges66A-€5k
Gross operating margin9900€2.08M€2.06M▼
Operating profit (loss)9901€38k€54k▲
Financial income75/76B€661€8▼
Recurring financial income75€661€8▼
Financial charges65/66B€12k€10k▼
Recurring financial charges65€12k€10k▼
Profit (loss) for the period before taxes9903€27k€44k▲
Income taxes67/77€23k€32k▲
Profit (loss) for the period9904€4k€13k▲
Profit (loss) for the period to be appropriated9905€4k€13k▲
Appropriation of the result
Profit (loss) to be appropriated9906€4k€13k▲
Transfer to equity691/2€4k€13k▲
To other reserves6921€4k€13k▲
Social balance
Average headcount (FTE)908732.929.4▼
The notes to these accounts (23 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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
31-12
Financial
Weakest financial yearnet €3k ▼97.4%
Net result drops to €3k, the lowest in the series; recovery starts the following year.
08-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 69 days late
2019
11-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
04-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
14-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
12 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 2020
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.
Tondelierlaan 19000 GentGround area
2,315 m²
Building footprint
1,571 m²
Volume, LiDAR
41,788 m³
Parcel 44807G0052/00X002, Flanders · tallest building 36.4 m, ±10 floors. Linked by address, not a title deed.
1 establishment unit
Tondelierlaan 1, 9000 Gent
since 20202.306.303.771
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44807G0052/00X002 | Flanders | 2,315 m² | 1 · 1,571 m² | 36.4 m · 10 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 to 2025 · 10 entries · 69,321 EUR awarded · 40,365 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 4 | 47,016 EUR | 19,110 EUR |
| 2024 | 1 | 5,927 EUR | 5,927 EUR |
| 2023 | 3 | 9,445 EUR | 9,895 EUR |
| 2022 | 2 | 6,933 EUR | 5,433 EUR |
Schemes
Subsidies voor sociale tewerkstellingsprojecten
Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)
Individueel Maatwerk
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Subsidies bevordering duurzaam woon-werkverkeer ikv Pendelfonds
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Of 2,856 companies in sector 18130 we hold annual accounts for 831. 593 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-01-2007
Fiscal year end31-12
Activities, NACEBEL
18130Pre-press and pre-media services
22240
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.