Listening ears
ActiveSummary
Listening ears has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-28k) and a net result of €17k. Equity is shrinking by ~56.4% per year across the filed fiscal years. Its solvency ranks better than 8% of 7029 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
48
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency0=
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.41 against 0.36 in 2024; short-term debt: 133% and cash: 0% of total assets), and equity is negative.
Credit check for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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 2025Solvency, return and age of the figures
Solvency
-57.3%
Return on assets
35.8%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 8% of 7029 sector peers (2025).
NBB · sector comparisonPosition among 7029 sector peers
Solvency
better than 8%
← weakest
strongest →
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 31-07-2026, 0 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
on the day
2024
61 d late
2023
42 d late
2022
61 d late
2021
30 d late
2020
92 d late
2019
120 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-28k▲ 38.5%
2024 · €-45k
2018: €7k
2019: €20k
2020: €5k
2021: €-5k
2022: €-15k
2023: €-25k
2024: €-45k
2018 → 2025
Total assets
€48k▼ 16.1%
2024 · €57k
2018: €46k
2019: €46k
2020: €64k
2021: €72k
2022: €74k
2023: €65k
2024: €57k
2018 → 2025
Net result
€17k
2024 · €-20k
2018: €-5k
2019: €12k
2020: €-15k
2021: €-10k
2022: €-10k
2023: €-17k
2024: €-20k
2018 → 2025
Working capital
€-38k▲ 31.4%
2024 · €-55k
2018: €-6k
2019: €14k
2020: €-16k
2021: €-23k
2022: €-30k
2023: €-31k
2024: €-55k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-5k-€-15k▼ 211%€-25k▼ 66.9%€-45k▼ 78.2%€-28k▲ 38.5%
Operating result€-9k-€-9k▲ 4.7%€-15k▼ 75.2%€-10k▲ 33.5%€20k
Net result€-10k-€-10k▼ 6.1%€-17k▼ 67.3%€-20k▼ 15.0%€17k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €20k after a loss of €10k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €48k
Fixed assets
€22k ▼ 18.3%
Current assets
€26k ▼ 14.1%
Key figures and ratios
EBITDA
€27k▲
2024 · €-5k
Cash flow
€24k▲
2024 · €-15k
Solvency
-57.3%▲
2024 · -78.1%
Current ratio
0.41▲
2024 · 0.36
Debt to equity
-2.74▼
2024 · -2.28
ROA
35.8%▲
2024 · -34.3%
Interest coverage
8.32▲
2024 · -0.84
Debt
€75k▼
2024 · €102k
Debt ≤ 1 year
€64k▼
2024 · €85k
Debt > 1 year
€12k▼
2024 · €17k
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 · 2025 against 2024 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€57k€48k▼
Fixed assets21/28€27k€22k▼
Tangible fixed assets22/27€27k€22k▼
Plant, machinery and equipment23€355€236▼
Furniture and vehicles24€26k€22k▼
Current assets29/58€30k€26k▼
Amounts receivable within one year40/41€21k€14k▼
Trade receivables40€18k€11k▼
Other amounts receivable41€3k€3k=
Cash at bank and in hand54/58€13€2▼
Deferred charges and accrued income490/1€9k€12k▲
Equity and liabilities
Total equity and liabilities10/49€57k€48k▼
Equity10/15€-45k€-28k▲
Contributions10/11€20k€20k=
Reserves13€6k€6k=
Distributable reserves133€6k€6k=
Profit (loss) carried forward14€-71k€-54k▲
Amounts payable17/49€102k€75k▼
Amounts payable after more than one year17€17k€12k▼
Financial debts170/4€17k€12k▼
Amounts payable within one year42/48€85k€64k▼
Current portion of amounts payable after more than one year42€5k€5k▲
Financial debts43€6k€8k▲
Credit institutions430/8€6k€8k▲
Trade debts44€639€3k▲
Suppliers440/4€639€3k▲
Taxes, remuneration and social security45€6k€4k▼
Taxes450/3€6k€4k▼
Other amounts payable47/48€68k€43k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€7k▲
Other operating charges640/8€9k€411▼
Gross operating margin9900€3k€27k▲
Operating profit (loss)9901€-10k€20k▲
Financial income75/76B€1k€521▼
Recurring financial income75€1k€521▼
Non-recurring financial income76B€1k€521▼
Financial charges65/66B€11k€3k▼
Recurring financial charges65€7k€3k▼
Non-recurring financial charges66B€4k€192▼
Profit (loss) for the period before taxes9903€-20k€17k▲
Income taxes67/77€110-
Profit (loss) for the period9904€-20k€17k▲
Profit (loss) for the period to be appropriated9905€-20k€17k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-71k€-54k▲
Profit (loss) brought forward from the previous period14P€-52k€-71k▼
The notes to these accounts (7 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €17k
Net result €17k after 5 loss-making years.
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Weakest financial yearnet €-20k
Net result drops to €-20k, the lowest in the series; recovery starts the following year.
11-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 42 days late
2023
30-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 61 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 92 days late
2020
28-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 120 days late
2019
31-12
Financial
Back to profitnet €12k
Net result €12k after one loss-making year.
28-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 89 days late
2018
30-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 61 days late
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, Mechelen · 1 establishment unit since 2017
Ground area
272 m²
Building footprint
62 m²
Volume, LiDAR
521 m³
Parcel 12402B0481/00L000, Flanders · tallest building 9.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Schorsmolenstraat 24, 2800 Mechelen
since 20172.259.570.359
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12402B0481/00L000 | Flanders | 272 m² | 1 · 62 m² | 9.3 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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THE 5 SENSES
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Tervuren · Eq €4,415
Of 2,712 companies in sector 73200 we hold annual accounts for 1,782. 375 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
Founded09-12-2016
Fiscal year end31-12
Activities, NACEBEL 2025
73200Market research and public opinion polling
53200Other postal and courier activities
62900Other information technology and computer services
62200Computer consultancy and computer facilities management
95100Repair and maintenance of computers and communication equipment
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.