KEEPSAKE
ActiveKEEPSAKE has been active since 1986 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €397k and a net result of €73k. Equity is shrinking by ~2.8% per year across the filed fiscal years. Its solvency ranks better than 61% of 16922 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
98
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability92▲+21
Solvency100=
Growth58▲+26
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 3.31 against 4.53 in 2024), and 30.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 →
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
69.9%
Return on assets
12.9%
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 22-05-2026, 70 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
70 d early
2024
69 d early
2023
70 d early
2022
68 d early
2021
54 d early
2020
60 d early
2019
59 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€73k▲ 19.1%
2024 · €61k
2018: €63k
2019: €77k
2020: €84k
2021: €74k
2022: €103k
2023: €54k
2024: €61k
2018 → 2025
Working capital
€394k▼ 6.5%
2024 · €422k
2018: €497k
2019: €504k
2020: €475k
2021: €462k
2022: €490k
2023: €443k
2024: €422k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€471k-€500k▲ 6.0%€459k▼ 8.2%€429k▼ 6.6%€397k▼ 7.4%
Operating result€99k-€120k▲ 20.6%€65k▼ 45.4%€85k▲ 29.8%€81k▼ 4.4%
Net result€74k-€103k▲ 39.3%€54k▼ 47.8%€61k▲ 13.5%€73k▲ 19.1%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 4% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €567k
Fixed assets
€3k▼ 62.0%
Current assets
€565k▲ 4.4%
Equity and liabilities €567k
Equity
€397k▼ 7.4%
Debt
€171k▲ 42.8%
The debt ratio rises from 21.8% to 30.1%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€88k▼
2024 · €94k
Cash flow
€80k▲
2024 · €71k
Solvency
69.9%▼
2024 · 78.2%
Current ratio
3.31▼
2024 · 4.53
Quick ratio
3.31▼
2024 · 4.53
Debt / equity
0.43▲
2024 · 0.28
ROE
18.4%▲
2024 · 14.3%
ROA
12.9%▲
2024 · 11.2%
Interest coverage
15.34▲
2024 · 12.61
Debt
€171k▲
2024 · €120k
Debt ≤ 1 year
€171k▲
2024 · €120k
Income taxes
€37k▲
2024 · €24k
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€548k€567k▲
Fixed assets21/28€7k€3k▼
Tangible fixed assets22/27€7k€3k▼
Plant, machinery and equipment23€6k€3k▼
Furniture and vehicles24€1k-
Current assets29/58€541k€565k▲
Amounts receivable within one year40/41€78k€67k▼
Trade receivables40€13k€12k▼
Other amounts receivable41€64k€55k▼
Current investments50/53€423k€454k▲
Cash at bank and in hand54/58€40k€42k▲
Deferred charges and accrued income490/1-€1k
Equity and liabilities
Total equity and liabilities10/49€548k€567k▲
Equity10/15€429k€397k▼
Contributions10/11€19k€19k=
Reserves13€121k€188k▲
Distributable reserves133€121k€188k▲
Profit (loss) carried forward14€289k€190k▼
Amounts payable17/49€120k€171k▲
Amounts payable within one year42/48€120k€171k▲
Trade debts44€863€2k▲
Suppliers440/4€863€2k▲
Taxes, remuneration and social security45€27k€64k▲
Taxes450/3€27k€64k▲
Other amounts payable47/48€91k€105k▲
Income statement
Code20242025
Non-recurring operating income76A€20k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€7k▼
Other operating charges640/8€433€446▲
Gross operating margin9900€95k€88k▼
Operating profit (loss)9901€85k€81k▼
Financial income75/76B€8k€34k▲
Recurring financial income75€8k€34k▲
Financial charges65/66B€7k€6k▼
Recurring financial charges65€7k€6k▼
Profit (loss) for the period before taxes9903€86k€110k▲
Income taxes67/77€24k€37k▲
Profit (loss) for the period9904€61k€73k▲
Profit (loss) for the period to be appropriated9905€61k€73k▲
Appropriation of the result
Profit (loss) to be appropriated9906€442k€362k▼
Profit (loss) brought forward from the previous period14P€381k€289k▼
Transfer from equity791/2-€6k
Transfer to equity691/2€61k€73k▲
To other reserves6921€61k€73k▲
Profit to be distributed694/7€91k€105k▲
Return on contributions (dividend)694€91k€105k▲
The notes to these accounts (5 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
22-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
23-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
22-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €54k ▼47.8%
Net result drops to €54k, the lowest in the series; recovery starts the following year.
24-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €103k ▲39.3%
Operating result €120k, net result €103k, both a record.
07-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
01-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
02-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-05
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
31-05
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
23-05
NBB filing
Annual accounts filed
fiscal year 2016 · full 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, Chastre · 1 establishment unit since 1986
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.
Rue de Court St. Etienne 31450 Chastre1 establishment unit
Rue de Court St. Etienne 3, 1450 Chastre
since 19862.035.311.408
Recognitions · licences · registrations
Legal Entity Identifier
2549008MWD6DX1LHSE64
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Of 3,203 companies in sector 62900 we hold annual accounts for 1,735. 1,169 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-09-1986
Fiscal year end31-12
Activities, NACEBEL
62900Other information technology and computer services
72600
Sources
Crossroads Bank for EnterprisesNational Bank · 39 filings
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.