KRED@SSUR
ActiveKRED@SSUR has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €21k and a net result of €804. Equity is growing by ~2.8% per year across the filed fiscal years. Its solvency ranks better than 74% of 14009 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▲+2
Solvency88▲+1
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 2.52 against 2.26 in 2024; short-term debt: 36.9% and cash: 12.5% of total assets), and 36.9% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
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
63.1%
Return on assets
2.4%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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
28 d late
2024
28 d late
2023
26 d early
2022
29 d late
2021
31 d early
2020
31 d late
2019
28 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€21k▲ 4.0%
2024 · €20k
2018: €18k
2019: €17k
2020: €17k
2021: €19k
2022: €19k
2023: €20k
2024: €20k
2018 → 2025
Total assets
€33k▲ 2.3%
2024 · €33k
2018: €20k
2019: €19k
2020: €21k
2021: €24k
2022: €32k
2023: €31k
2024: €33k
2018 → 2025
Net result
€804▲ 159%
2024 · €310
2018: €2k
2019: €-1k
2020: €63
2021: €2k
2022: €317
2023: €724
2024: €310
2018 → 2025
Working capital
€19k▲ 20.0%
2024 · €15k
2018: €18k
2019: €17k
2020: €17k
2021: €19k
2022: €10k
2023: €13k
2024: €15k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€19k-€19k▲ 1.7%€20k▲ 3.8%€20k▲ 1.6%€21k▲ 4.0%
Operating result€2k-€908▼ 63.3%€2k▲ 75.5%€1k▼ 12.1%€2k▲ 22.8%
Net result€2k-€317▼ 84.2%€724▲ 128%€310▼ 57.1%€804▲ 159%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 23% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €33k
Fixed assets
€2k▼ 48.7%
Current assets
€31k▲ 10.9%
Equity and liabilities €33k
Equity
€21k▲ 4.0%
Debt
€12k▼ 0.6%
The debt ratio falls from 37.9% to 36.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€4k▲
2024 · €4k
Cash flow
€3k▲
2024 · €3k
Solvency
63.1%▲
2024 · 62.1%
Current ratio
2.52▲
2024 · 2.26
Quick ratio
2.52▲
2024 · 2.26
Debt / equity
0.58▼
2024 · 0.61
ROE
3.8%▲
2024 · 1.5%
ROA
2.4%▲
2024 · 1.0%
Interest coverage
41.49▲
2024 · 40.84
Debt
€12k▼
2024 · €12k
Debt ≤ 1 year
€12k▼
2024 · €12k
Income taxes
€820▼
2024 · €1,000
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€33k€33k▲
Fixed assets21/28€5k€2k▼
Tangible fixed assets22/27€5k€2k▼
Furniture and vehicles24€5k€2k▼
Current assets29/58€28k€31k▲
Amounts receivable within one year40/41€14k€27k▲
Trade receivables40€14k€27k▲
Cash at bank and in hand54/58€14k€4k▼
Equity and liabilities
Total equity and liabilities10/49€33k€33k▲
Equity10/15€20k€21k▲
Contributions10/11€19k€19k=
Reserves13€450€450=
Distributable reserves133€450€450=
Profit (loss) carried forward14€1k€2k▲
Amounts payable17/49€12k€12k▼
Amounts payable within one year42/48€12k€12k▼
Trade debts44€3k€230▼
Suppliers440/4€3k€230▼
Taxes, remuneration and social security45€2k€3k▲
Taxes450/3€2k€3k▲
Other amounts payable47/48€7k€9k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k=
Other operating charges640/8€927€951▲
Gross operating margin9900€5k€5k▲
Operating profit (loss)9901€1k€2k▲
Financial charges65/66B€91€97▲
Recurring financial charges65€91€97▲
Profit (loss) for the period before taxes9903€1k€2k▲
Income taxes67/77€1,000€820▼
Profit (loss) for the period9904€310€804▲
Profit (loss) for the period to be appropriated9905€310€804▲
Appropriation of the result
Profit (loss) to be appropriated9906€1k€2k▲
Profit (loss) brought forward from the previous period14P€852€1k▲
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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
05-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Back to profitnet €63
Net result €63 after one loss-making year.
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
2019
31-12
Financial
Weakest financial yearnet €-1k ▼156%
Net result drops to €-1k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Lanaken · 1 establishment unit since 2004
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.
Jan Rosierlaan 53620 LanakenGround area
4,101 m²
Building footprint
561 m²
Volume, LiDAR
9,564 m³
2 parcels, Flanders · tallest building 25.3 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
AXA Bank en Verzekeringen
since 20042.135.964.546
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73042B0908/00A000 | Flanders | 3,541 m² | 1 · 367 m² | 25.3 m · 7 fl. |
| 73048C0327/00E002 | Flanders | 560 m² | 1 · 194 m² | 11.9 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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BE 0666.789.084
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Van Breda Vastgoed
BE 0748.410.230
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Van Baekel Vastgoedindustrie
BE 0801.673.524
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ZANDIMMO
BE 0438.888.871
Ukkel · Eq €21k
Of 11,748 companies in sector 68310 we hold annual accounts for 6,906. 3,985 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-01-2004
Fiscal year end31-12
Activities, NACEBEL
68310Real estate agency activities
68311Real estate activities
70311
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.