KEYSTONE PARTNER
ActiveKEYSTONE PARTNER has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €132k and a net result of €-34k. Equity remains stable across the filed fiscal years (±1% per year). Its solvency ranks better than 71% of 1555 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability0▼-51
Solvency100=
Growth32▼-20
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 2.64 against 3.04 in 2023), and 34.1% 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 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
65.9%
Return on assets
-16.8%
Age of the figures
20 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
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
61 d late
2023
107 d late
2022
86 d late
2021
99 d late
2020
191 d late
2019
136 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-34k
2023 · €17k
2018: €20k
2019: €-15k
2020: €18k
2021: €2k
2022: €3k
2023: €17k
2018 → 2024
Working capital
€112k▼ 21.4%
2023 · €143k
2018: €159k
2019: €145k
2020: €157k
2021: €137k
2022: €121k
2023: €143k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€144k-€146k▲ 1.5%€149k▲ 1.7%€166k▲ 11.4%€132k▼ 20.3%
Operating result€10k-€2k▼ 82.0%€4k▲ 98.4%€26k▲ 628%€-32k
Net result€18k-€2k▼ 87.9%€3k▲ 12.6%€17k▲ 577%€-34k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €32k after €26k in 2023, the lowest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €200k
Fixed assets
€20k▼ 13.4%
Current assets
€180k▼ 15.2%
Equity and liabilities €200k
Equity
€132k▼ 20.3%
Debt
€68k▼ 2.3%
The debt ratio rises from 29.7% to 34.1%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€-28k▼
2023 · €31k
Cash flow
€-30k▼
2023 · €21k
Solvency
65.9%▼
2023 · 70.3%
Current ratio
2.64▼
2023 · 3.04
Quick ratio
2.64▼
2023 · 3.04
Debt / equity
0.52▲
2023 · 0.42
ROE
-25.5%▼
2023 · 10.2%
ROA
-16.8%▼
2023 · 7.2%
Interest coverage
-61.32▼
2023 · 160.83
Debt
€68k▼
2023 · €70k
Debt ≤ 1 year
€68k▼
2023 · €70k
Income taxes
€2k▼
2023 · €9k
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€236k€200k▼
Fixed assets21/28€23k€20k▼
Tangible fixed assets22/27€23k€20k▼
Furniture and vehicles24-€303
Other tangible fixed assets26€23k€20k▼
Current assets29/58€213k€180k▼
Amounts receivable within one year40/41€79k€40k▼
Trade receivables40€78k€40k▼
Other amounts receivable41€876-
Current investments50/53€127k€127k=
Cash at bank and in hand54/58€7k€14k▲
Deferred charges and accrued income490/1-€18
Equity and liabilities
Total equity and liabilities10/49€236k€200k▼
Equity10/15€166k€132k▼
Contributions10/11€19k€19k=
Outside capital11€19k€19k=
Other1109/19€19k€19k=
Reserves13€42k€42k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€40k€40k=
Profit (loss) carried forward14€105k€72k▼
Amounts payable17/49€70k€68k▼
Amounts payable within one year42/48€70k€68k▼
Trade debts44-€4k
Suppliers440/4-€4k
Advances received on contracts in progress46€10k€10k=
Taxes, remuneration and social security45€45k€45k▲
Taxes450/3€11k€12k▲
Remuneration and social security454/9€34k€34k=
Other amounts payable47/48€15k€9k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k▼
Other operating charges640/8-€3k
Gross operating margin9900€31k€-25k▼
Operating profit (loss)9901€26k€-32k▼
Financial charges65/66B€190€457▲
Recurring financial charges65€190€457▲
Profit (loss) for the period before taxes9903€26k€-32k▼
Income taxes67/77€9k€2k▼
Profit (loss) for the period9904€17k€-34k▼
Profit (loss) for the period to be appropriated9905€17k€-34k▼
Appropriation of the result
Profit (loss) to be appropriated9906€105k€72k▼
Profit (loss) brought forward from the previous period14P€88k€105k▲
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
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 61 days late
2024
31-12
Financial
Weakest financial yearnet €-34k ▼299%
Net result drops to €-34k, the lowest in the series.
15-11
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 107 days late
2023
31-12
Financial
Equity above €150kEq €166k ▲11.4%
4 profitable years in a row build equity to €166k.
25-10
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 86 days late
2022
07-11
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 99 days late
07-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 191 days late
2020
31-12
Financial
Back to profitnet €18k
Net result €18k after one loss-making year.
14-12
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 136 days late
2019
14-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 75 days late
2018
26-11
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 118 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 60 days late
2016
27-09
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 58 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Sint-Lambrechts-Woluwe · 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.
Dennenboslaan 21200 Sint-Lambrechts-WoluweGround area
694 m²
Building footprint
114 m²
Volume, LiDAR
1,018 m³
Parcel 21018B0119/00G010, Brussels · tallest building 12.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Bralionstraat (Edouard) 25, 1500 Halle
since 20192.316.130.564
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21018B0119/00G010 | Brussels | 694 m² | 1 · 114 m² | 12.6 m · 3 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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K-Time
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Of 29,885 companies in sector 62200 we hold annual accounts for 18,322. 15,363 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-10-2011
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
62030Computer programming, consultancy and related activities
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.