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KROSSROADS

Active
Private limited companyfounded 201115 yrs activeWouwersdreef 10, 2900 Schoten, BelgiumKBO/BCE: BE 0837.348.243
Summary

KROSSROADS has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €589,332 and a net result of €72,704. Equity is growing by ~18.3% per year across the filed fiscal years. Its solvency ranks better than 50% of 8965 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (low).

Checked score

Score 2024
Axes · tick = 2023
Profitability77▼-8
Solvency80▼-11
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.5% Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40,000 at 30 days acceptable
Liquidity ample (current ratio 2.23 against 3.28 in 2023; short-term debt: 30.7% and cash: 17.3% of total assets), and 44.6% of the assets are financed with debt.
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Signals

Two 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 date
Age against the risk zone
highest failure risk from 2 to 8 years 15 years 0 20 y
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 16-07-2025, 15 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
not confirmed
2024
15 d early
2023
16 d early
2022
28 d early
2021
47 d early
2020
19 d early
2019
11 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 23 days before the deadline; the sector median for financial year 2024 is 6 days before the deadline, and 36% of the sector filed late.

Checked, nothing found (1)
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 28 June 2011, KROSSROADS was incorporated.1 Total assets went from EUR 503,696 in 2018 to EUR 1.1 million in 2024.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2018 and 2024

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Financials · fiscal year 2024, micro schema

Equity
€589,332▼ 3.5%
2023 · €610,837
Total assets
€1.1m▲ 15.4%
2023 · €921,532
Net result
€72,704▼ 38.0%
2023 · €117,205
Working capital
€402,729▼ 4.8%
2023 · €422,951
Trend over the years

Click a name to add, emphasise or remove a line.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20202021202220232024
Operating result€169,953▲ 17.4%€170,547▲ 0.3%€90,871▼ 46.7%€172,281▲ 89.6%€147,488▼ 14.4%
Net result€113,624▲ 20.2%€112,798▼ 0.7%€64,174▼ 43.1%€117,205▲ 82.6%€72,704▼ 38.0%
Equity€370,052▲ 44.3%€482,850▲ 30.5%€547,024▲ 13.3%€610,837▲ 11.7%€589,332▼ 3.5%
Total assets€679,129▲ 21.2%€856,042▲ 26.1%€824,863▼ 3.6%€921,532▲ 11.7%€1.1m▲ 15.4%
Debt€309,077▲ 1.8%€373,192▲ 20.7%€277,839▼ 25.6%€310,694▲ 11.8%€473,670▲ 52.5%
Working capital€212,892▲ 19.1%€290,653▲ 36.5%€353,636▲ 21.7%€422,951▲ 19.6%€402,729▼ 4.8%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
€0€50,000€100,000€150,000Operating result 2020: €169,953€169,953Net result 2020: €113,624€113,624Operating result 2021: €170,547€170,547Net result 2021: €112,798€112,798Operating result 2022: €90,871€90,871Net result 2022: €64,174€64,174Operating result 2023: €172,281€172,281Net result 2023: €117,205€117,205Operating result 2024: €147,488€147,488Net result 2024: €72,704€72,70420202021202220232024€0€50,000€100,000€150,000Operating result 2022: €90,871€90,900Net result 2022: €64,174€64,200Operating result 2023: €172,281€172,000Net result 2023: €117,205€117,000Operating result 2024: €147,488€147,000Net result 2024: €72,704€72,700202220232024
The operating result falls in 2024; 2024 is 14% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.1m
Fixed assets €333,745 ▲ 6.5%
Current assets €729,256 ▲ 19.9%
Equity and liabilities €1.1m
Equity €589,332 ▼ 3.5%
Debt €473,670 ▲ 52.5%
Debt's share of the balance-sheet total rises from 33.7% to 44.6%. Equity is lower and debt is higher.
Key figures and ratios
2024 value · change against 2023
EBITDA
€186,826▼
2023 · €227,290
Cash flow
€112,042▼
2023 · €172,214
Current ratio
2.23▼
2023 · 3.28
Debt to equity
0.80▲
2023 · 0.51
ROE
12.3%▼
2023 · 19.2%
ROA
6.8%▼
2023 · 12.7%
Interest coverage
37.30▼
2023 · 45.60
Debt ≤ 1 year
€326,527▲
2023 · €185,313
Debt > 1 year
€147,143▲
2023 · €125,381
Income taxes
€41,302▼
2023 · €54,995
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
Filed annual accounts As filed with the NBB · 2024 against 2023 · 49 lines
Balance sheet Code20232024
Assets
Total assets20/58€921,532€1.1m▲
Fixed assets21/28€313,268€333,745▲
Tangible fixed assets22/27€313,268€333,745▲
Land and buildings22€224,017€205,816▼
Furniture and vehicles24€46,606€31,833▼
Leasing and similar rights25€42,645€96,096▲
Current assets29/58€608,264€729,256▲
Amounts receivable within one year40/41€144,352€538,919▲
Trade receivables40€36,736€0▼
Other amounts receivable41€107,616€538,919▲
Cash at bank and in hand54/58€459,559€184,162▼
Deferred charges and accrued income490/1€4,353€6,175▲
Equity and liabilities
Total equity and liabilities10/49€921,532€1.1m▲
Equity10/15€610,837€589,332▼
Contributions10/11€12,400€12,400=
Reserves13€598,437€576,932▼
Non-distributable reserves130/1€1,860€1,860=
Reserves not available under the articles1311€1,860€1,860=
Distributable reserves133€596,577€575,072▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€310,694€473,670▲
Amounts payable after more than one year17€125,381€147,143▲
Financial debts170/4€125,381€147,143▲
Amounts payable within one year42/48€185,313€326,527▲
Current portion of amounts payable after more than one year42€45,678€50,122▲
Trade debts44€16,218€75,162▲
Suppliers440/4€16,218€75,162▲
Taxes, remuneration and social security45€72,695€111,744▲
Taxes450/3€72,695€111,744▲
Other amounts payable47/48€50,722€89,499▲
Income statement Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€55,009€39,338▼
Other operating charges640/8€3,564€766▼
Gross operating margin9900€230,854€187,592▼
Operating profit (loss)9901€172,281€147,488▼
Financial income75/76B€4,904€14,173▲
Recurring financial income75€4,904€14,173▲
Financial charges65/66B€4,985€47,654▲
Recurring financial charges65€4,985€5,009▲
Non-recurring financial charges66B-€42,645
Profit (loss) for the period before taxes9903€172,200€114,006▼
Income taxes67/77€54,995€41,302▼
Profit (loss) for the period9904€117,205€72,704▼
Profit (loss) for the period to be appropriated9905€117,205€72,704▼
Appropriation of the result
Profit (loss) to be appropriated9906€117,205€72,704▼
Transfer from equity791/2€53,392€94,210▲
Transfer to equity691/2€117,205€72,704▼
To other reserves6921€117,205€72,704▼
Profit to be distributed694/7€53,392€94,210▲
Return on contributions (dividend)694€53,392€94,210▲

The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20202021202220232024Change
Non-recurring operating income76A-€16,742€0---
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23,288€49,124€54,753€55,009€39,338▼ 28.5%
Other operating charges640/8-€3,478€3,737€3,564€766▼ 78.5%
Gross operating margin9900€195,050€223,148€149,361€230,854€187,592▼ 18.7%
Operating profit (loss)9901€169,953€170,547€90,871€172,281€147,488▼ 14.4%
Financial income75/76B-€45€4,196€4,904€14,173▲ 189%
Recurring financial income75€4,841€45€4,196€4,904€14,173▲ 189%
Financial charges65/66B-€8,202€5,704€4,985€47,654▲ 856%
Recurring financial charges65€5,481€8,202€5,704€4,985€5,009▲ 0.5%
Non-recurring financial charges66B----€42,645-
Profit (loss) for the period before taxes9903€169,313€162,390€89,363€172,200€114,006▼ 33.8%
Income taxes67/77€55,689€49,592€25,189€54,995€41,302▼ 24.9%
Profit (loss) for the period9904€113,624€112,798€64,174€117,205€72,704▼ 38.0%
Profit (loss) for the period to be appropriated9905€113,624€112,798€64,174€117,205€72,704▼ 38.0%
Line20202021202220232024Change
Assets
Total assets20/58€679,129€856,042€824,863€921,532€1.1m▲ 15.4%
Fixed assets21/28€338,391€408,677€364,447€313,268€333,745▲ 6.5%
Tangible fixed assets22/27€338,391€408,677€364,447€313,268€333,745▲ 6.5%
Land and buildings22-€251,088€242,368€224,017€205,816▼ 8.1%
Furniture and vehicles24-€76,558€60,241€46,606€31,833▼ 31.7%
Leasing and similar rights25-€81,031€61,838€42,645€96,096▲ 125%
Current assets29/58€340,738€447,366€460,416€608,264€729,256▲ 19.9%
Amounts receivable within one year40/41€132,507€148,588€168,380€144,352€538,919▲ 273%
Trade receivables40-€30,022€91,416€36,736€0▼ 100%
Other amounts receivable41-€118,566€76,965€107,616€538,919▲ 401%
Cash at bank and in hand54/58€207,267€295,207€288,133€459,559€184,162▼ 59.9%
Deferred charges and accrued income490/1-€3,570€3,902€4,353€6,175▲ 41.9%
Equity and liabilities
Total equity and liabilities10/49€679,129€856,042€824,863€921,532€1.1m▲ 15.4%
Equity10/15€370,052€482,850€547,024€610,837€589,332▼ 3.5%
Contributions10/11-€12,400€12,400€12,400€12,400=
Reserves13€357,652€470,450€534,624€598,437€576,932▼ 3.6%
Non-distributable reserves130/1-€1,860€1,860€1,860€1,860=
Reserves not available under the articles1311-€1,860€1,860€1,860€1,860=
Distributable reserves133-€468,590€532,764€596,577€575,072▼ 3.6%
Profit (loss) carried forward14---€0€0-
Amounts payable17/49€309,077€373,192€277,839€310,694€473,670▲ 52.5%
Amounts payable after more than one year17€181,230€216,479€171,060€125,381€147,143▲ 17.4%
Financial debts170/4-€216,479€171,060€125,381€147,143▲ 17.4%
Amounts payable within one year42/48€127,847€156,713€106,779€185,313€326,527▲ 76.2%
Current portion of amounts payable after more than one year42-€45,165€45,420€45,678€50,122▲ 9.7%
Trade debts44€15,900€19,317€18,219€16,218€75,162▲ 363%
Suppliers440/4-€19,317€18,219€16,218€75,162▲ 363%
Taxes, remuneration and social security45-€92,232€43,141€72,695€111,744▲ 53.7%
Taxes450/3-€92,232€43,141€72,695€111,744▲ 53.7%
Other amounts payable47/48---€50,722€89,499▲ 76.4%
Line20202021202220232024Change
Profit (loss) for the period9904€113,624€112,798€64,174€117,205€72,704▼ 38.0%
+ Depreciation and write-downs630€23,288€49,124€54,753€55,009€39,338▼ 28.5%
Operating cash flow (approximation)€136,912€161,921€118,926€172,214€112,042▼ 34.9%
Investment in fixed assets (approximation)--€119,409-€10,523-€3,829-€59,816▼ 1,462%
Change in cash-€87,940-€7,074€171,426-€275,398▼ 261%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

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Timeline · acts, filings and financial milestones

2025
16-07
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
15-07
NBB filing Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial Highest result since 2018net €117,205 ▲82.6%
Operating result €172,281, net result €117,205, both a record.
03-07
NBB filing Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial Weakest financial yearnet €64,174 ▼43.1%
Net result drops to €64,174, the lowest in the series; recovery starts the following year.
31-12
Financial Equity above €500,000Eq €547,024 ▲13.3%
5 profitable years in a row build equity to €547,024.
14-06
NBB filing Annual accounts filed
fiscal year 2021 · micro schema
2021
12-07
NBB filing Annual accounts filed
fiscal year 2020 · micro schema
2020
20-07
NBB filing Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial Equity above €200,000Eq €256,428 ▲58.4%
2 profitable years in a row build equity to €256,428.
10-07
NBB filing Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
17-07
NBB filing Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
15-06
NBB filing Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
01-07
NBB filing Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts

We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

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Directors · office · real estate

Directors
3 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, Schoten · 1 establishment unit since 2011
seat establishment The establishment unit on the map
Ground area
3,501 m²
Building footprint
172 m²
Volume, LiDAR
1,329 m³
Parcel 11040D0135/00V003, Flanders · tallest building 11.8 m, ±3 floors. Linked by address, not a title deed.
2 companies at this address See who is registered here
1 establishment unit
Wouwersdreef 10, 2900 Schoten
Financial service activities, except insurance and pension funding
since 20112.200.255.651
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
11040D0135/00V003 Flanders 3,500 m² 1 · 172 m² 11.8 m · 3 fl.
Linked by address, not proof of ownership
Good to know
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

Of 13,417 companies in sector 73300 we hold annual accounts for 6,899. 3,902 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPrivate limited company
Founded28-06-2011
Fiscal year end31-12
Activities, NACEBEL 2025
73300Public relations and communication consultancy
82990Other business support services
E-invoicing
Reachable via Peppol
Peppol ID 0208:0837348243
Also 9925:BE0837348243
Registered 28-02-2025

Register as of 26 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.