KUDOZ
ActiveKUDOZ has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €66k and a net result of €88k. Equity is growing by ~7.1% per year across the filed fiscal years. Its solvency ranks better than 49% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+28
Solvency80▲+23
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity tight (current ratio 1.26 against 0.36 in 2024; short-term debt: 44.7% and cash: 6.1% of total assets), and 44.8% 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
55.2%
Return on assets
72.9%
Age of the figures
9 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 · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 02-06-2026, 59 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
59 d early
2024
28 d early
2023
33 d early
2022
31 d early
2020
1 d early
2019
61 d late
2018
33 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€66k▲ 106%
2024 · €32k
2018: €68k
2019: €121k
2020: €17k
2022: €22k
2023: €30k
2024: €32k
2018 → 2025
Total assets
€120k▲ 20.2%
2024 · €100k
2018: €127k
2019: €194k
2020: €160k
2022: €102k
2023: €108k
2024: €100k
2018 → 2025
Net result
€88k▲ 3,750%
2024 · €2k
2018: €68k
2019: €70k
2020: €-104k
2022: €5k
2023: €7k
2024: €2k
2018 → 2025
Working capital
€14k
2024 · €-43k
2018: €64k
2019: €118k
2020: €-1k
2022: €-49k
2023: €-54k
2024: €-43k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202022202320242025Trend
Equity€17k-€22k▲ 28.7%€30k▲ 33.1%€32k▲ 7.6%€66k▲ 106%
Operating result€-74k-€6k€16k▲ 158%€11k▼ 30.8%€129k▲ 1,061%
Net result€-104k-€5k€7k▲ 48.5%€2k▼ 69.3%€88k▲ 3,750%
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 1,061% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €120k
Fixed assets
€53k▼ 30.5%
Current assets
€67k▲ 180%
Equity and liabilities €120k
Equity
€66k▲ 106%
Debt
€54k▼ 20.6%
The debt ratio falls from 67.9% to 44.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€154k▲
2024 · €34k
Cash flow
€112k▲
2024 · €25k
Solvency
55.2%▲
2024 · 32.1%
Current ratio
1.26▲
2024 · 0.36
Quick ratio
1.26▲
2024 · 0.36
Debt / equity
0.81▼
2024 · 2.11
ROE
132.3%▲
2024 · 7.1%
ROA
72.9%▲
2024 · 2.3%
Interest coverage
38.29▲
2024 · 11.39
Debt
€54k▼
2024 · €68k
Debt ≤ 1 year
€54k▼
2024 · €67k
Income taxes
€37k▲
2024 · €6k
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€100k€120k▲
Fixed assets21/28€76k€53k▼
Intangible fixed assets21€68k€45k▼
Tangible fixed assets22/27€8k€8k▼
Furniture and vehicles24-€1k
Other tangible fixed assets26€8k€7k▼
Current assets29/58€24k€67k▲
Amounts receivable within one year40/41€16k€54k▲
Trade receivables40€16k€54k▲
Cash at bank and in hand54/58€7k€7k▲
Deferred charges and accrued income490/1€1k€6k▲
Equity and liabilities
Total equity and liabilities10/49€100k€120k▲
Equity10/15€32k€66k▲
Contributions10/11€12k€12k=
Reserves13€54k€54k▲
Distributable reserves133€54k€54k▲
Profit (loss) carried forward14€-34k€0▲
Amounts payable17/49€68k€54k▼
Amounts payable within one year42/48€67k€54k▼
Trade debts44€7k€4k▼
Suppliers440/4€7k€4k▼
Taxes, remuneration and social security45€9k€48k▲
Taxes450/3€9k€48k▲
Other amounts payable47/48€51k€2k▼
Accrued charges and deferred income492/3€416€158▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23k€25k▲
Other operating charges640/8€2k€2k▼
Non-recurring operating charges66A-€308
Gross operating margin9900€35k€156k▲
Operating profit (loss)9901€11k€129k▲
Financial income75/76B€12€0▼
Recurring financial income75€12€0▼
Financial charges65/66B€3k€4k▲
Recurring financial charges65€3k€4k▲
Profit (loss) for the period before taxes9903€8k€125k▲
Income taxes67/77€6k€37k▲
Profit (loss) for the period9904€2k€88k▲
Profit (loss) for the period to be appropriated9905€2k€88k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-89k€54k▲
Profit (loss) brought forward from the previous period14P€-92k€-34k▲
Transfer from equity791/2€56k€54k▼
Transfer to equity691/2-€54k
To other reserves6921-€54k
Profit to be distributed694/7-€54k
Return on contributions (dividend)694-€54k
The notes to these accounts (9 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
02-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €88k ▲3750%
Operating result €129k, net result €88k, both a record.
31-12
Financial
Liquidity quadruplescurrent ratio 1.26
Current ratio from 0.36 to 1.26; short-term debt falls from €67k to €54k.
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
2021
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €-104k ▼250%
Net result drops to €-104k, the lowest in the series; recovery starts the following year.
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 61 days late
2019
31-12
Financial
Equity above €100kEq €121k ▲78.7%
2 profitable years in a row build equity to €121k.
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
2016
30-09
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 61 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2021
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.
18-08-2021
Resigned as Manager
Location & real-estate footprint
Registered office, Hasselt · 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.
Carnegielaan 593500 HasseltGround area
594 m²
Building footprint
118 m²
Volume, LiDAR
804 m³
Parcel 71327G0016/00S003, Flanders · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Carnegielaan 59, 3500 Hasselt
since 20112.302.937.871
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71327G0016/00S003 | Flanders | 594 m² | 1 · 118 m² | 9.4 m · 2 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 11,637 EUR awarded · 11,637 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 135 EUR | 135 EUR |
| 2024 | 1 | 1,845 EUR | 1,845 EUR |
| 2023 | 1 | 7,130 EUR | 7,130 EUR |
| 2022 | 1 | 2,527 EUR | 2,527 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 5,700 companies in sector 70100 we hold annual accounts for 3,494. 2,150 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-10-2011
Fiscal year end31-12
Activities, NACEBEL
70100Activities of head offices
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.