KROSSROADS
ActiveSummary
KROSSROADS has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €589k and a net result of €73k. Equity is growing by ~18.3% per year across the filed fiscal years. Its solvency ranks better than 50% of 8966 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2024
75
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
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 €40k 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.
Credit advice for your own amount and term
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 dateAge against the risk zone
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 filingsDeviation 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 →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€589k▼ 3.5%
2023 · €611k
2018: €162k
2019: €256k
2020: €370k
2021: €483k
2022: €547k
2023: €611k
2018 → 2024
Total assets
€1.06M▲ 15.4%
2023 · €922k
2018: €504k
2019: €560k
2020: €679k
2021: €856k
2022: €825k
2023: €922k
2018 → 2024
Net result
€73k▼ 38.0%
2023 · €117k
2018: €94k
2019: €95k
2020: €114k
2021: €113k
2022: €64k
2023: €117k
2018 → 2024
Working capital
€403k▼ 4.8%
2023 · €423k
2018: €90k
2019: €179k
2020: €213k
2021: €291k
2022: €354k
2023: €423k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€370k-€483k▲ 30.5%€547k▲ 13.3%€611k▲ 11.7%€589k▼ 3.5%
Operating result€170k-€171k▲ 0.3%€91k▼ 46.7%€172k▲ 89.6%€147k▼ 14.4%
Net result€114k-€113k▼ 0.7%€64k▼ 43.1%€117k▲ 82.6%€73k▼ 38.0%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 14% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.06M
Fixed assets
€334k ▲ 6.5%
Current assets
€729k ▲ 19.9%
Equity and liabilities €1.06M
Equity
€589k ▼ 3.5%
Debt
€474k ▲ 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
EBITDA
€187k▼
2023 · €227k
Cash flow
€112k▼
2023 · €172k
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
€327k▲
2023 · €185k
Debt > 1 year
€147k▲
2023 · €125k
Income taxes
€41k▼
2023 · €55k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 49 lines
Balance sheet
Code20232024
Assets
Total assets20/58€922k€1.06M▲
Fixed assets21/28€313k€334k▲
Tangible fixed assets22/27€313k€334k▲
Land and buildings22€224k€206k▼
Furniture and vehicles24€47k€32k▼
Leasing and similar rights25€43k€96k▲
Current assets29/58€608k€729k▲
Amounts receivable within one year40/41€144k€539k▲
Trade receivables40€37k€0▼
Other amounts receivable41€108k€539k▲
Cash at bank and in hand54/58€460k€184k▼
Deferred charges and accrued income490/1€4k€6k▲
Equity and liabilities
Total equity and liabilities10/49€922k€1.06M▲
Equity10/15€611k€589k▼
Contributions10/11€12k€12k=
Reserves13€598k€577k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€597k€575k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€311k€474k▲
Amounts payable after more than one year17€125k€147k▲
Financial debts170/4€125k€147k▲
Amounts payable within one year42/48€185k€327k▲
Current portion of amounts payable after more than one year42€46k€50k▲
Trade debts44€16k€75k▲
Suppliers440/4€16k€75k▲
Taxes, remuneration and social security45€73k€112k▲
Taxes450/3€73k€112k▲
Other amounts payable47/48€51k€89k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€55k€39k▼
Other operating charges640/8€4k€766▼
Gross operating margin9900€231k€188k▼
Operating profit (loss)9901€172k€147k▼
Financial income75/76B€5k€14k▲
Recurring financial income75€5k€14k▲
Financial charges65/66B€5k€48k▲
Recurring financial charges65€5k€5k▲
Non-recurring financial charges66B-€43k
Profit (loss) for the period before taxes9903€172k€114k▼
Income taxes67/77€55k€41k▼
Profit (loss) for the period9904€117k€73k▼
Profit (loss) for the period to be appropriated9905€117k€73k▼
Appropriation of the result
Profit (loss) to be appropriated9906€117k€73k▼
Transfer from equity791/2€53k€94k▲
Transfer to equity691/2€117k€73k▼
To other reserves6921€117k€73k▼
Profit to be distributed694/7€53k€94k▲
Return on contributions (dividend)694€53k€94k▲
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
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 €117k ▲82.6%
Operating result €172k, net result €117k, both a record.
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €64k ▼43.1%
Net result drops to €64k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €500kEq €547k ▲13.3%
5 profitable years in a row build equity to €547k.
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 €200kEq €256k ▲58.4%
2 profitable years in a row build equity to €256k.
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.
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
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.
Wouwersdreef 102900 SchotenGround 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.
1 establishment unit
Wouwersdreef 10, 2900 Schoten
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
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.
Similar companies · same sector, comparable size
SDHM
BE 0675.431.487
Antwerpen · Eq €588,930
DEMOOR INVEST
BE 0599.935.892
Binche · Eq €587,890
VEOWARE
BE 0690.672.365
Leuven · Eq €587,693
Team4P
BE 0791.773.287
Braine-l'Alleud · Eq €591,192
AMS INTERNATIONAL REGULATORY SERVICES
BE 0844.874.651
Ukkel · Eq €591,425
Of 13,421 companies in sector 73300 we hold annual accounts for 6,901. 3,901 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-06-2011
Fiscal year end31-12
Activities, NACEBEL 2025
73300Public relations and communication consultancy
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.