LOTSOF STOCKS
ActiveLOTSOF STOCKS has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €754k and a net result of €284k. Equity is growing by ~9.7% per year across the filed fiscal years. Its solvency ranks better than 64% of 7932 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability96▲+7
Solvency84▲+22
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €60k at 30 days acceptable
Liquidity ample (current ratio 2.23 against 1.48 in 2024; short-term debt: 41% and cash: 47.8% of total assets), and 41.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises 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
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
58.7%
Return on assets
22.1%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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
27 d late
2024
13 d early
2023
on the day
2022
38 d late
2021
32 d late
2020
26 d early
2019
21 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€754k▼ 2.1%
2024 · €770k
2018: €458k
2019: €535k
2020: €777k
2021: €967k
2022: €1.04M
2023: €1.18M
2024: €770k
2018 → 2025
Total assets
€1.28M▼ 38.8%
2024 · €2.10M
2018: €757k
2019: €826k
2020: €1.20M
2021: €1.39M
2022: €1.61M
2023: €1.78M
2024: €2.10M
2018 → 2025
Net result
€284k▼ 17.1%
2024 · €343k
2018: €162k
2019: €155k
2020: €342k
2021: €290k
2022: €273k
2023: €338k
2024: €343k
2018 → 2025
Working capital
€647k▲ 1.0%
2024 · €640k
2018: €444k
2019: €526k
2020: €749k
2021: €940k
2022: €976k
2023: €1.13M
2024: €640k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€967k-€1.04M▲ 7.5%€1.18M▲ 13.2%€770k▼ 34.6%€754k▼ 2.1%
Operating result€394k-€375k▼ 4.7%€459k▲ 22.2%€465k▲ 1.4%€339k▼ 27.1%
Net result€290k-€273k▼ 5.8%€338k▲ 23.8%€343k▲ 1.5%€284k▼ 17.1%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 27% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.28M
Fixed assets
€111k▼ 20.3%
Current assets
€1.17M▼ 40.1%
Equity and liabilities €1.28M
Equity
€754k▼ 2.1%
Debt
€530k▼ 60.1%
The debt ratio falls from 63.3% to 41.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
€382k▼
2024 · €500k
Cash flow
€327k▼
2024 · €378k
Solvency
58.7%▲
2024 · 36.7%
Current ratio
2.23▲
2024 · 1.48
Quick ratio
1.24▲
2024 · 1.08
Debt / equity
0.70▼
2024 · 1.73
ROE
37.7%▼
2024 · 44.5%
ROA
22.1%▲
2024 · 16.3%
Interest coverage
36.33▼
2024 · 58.52
Debt
€530k▼
2024 · €1.33M
Debt ≤ 1 year
€527k▼
2024 · €1.32M
Income taxes
€95k▼
2024 · €115k
Staff costs
€76k▲
2024 · €76k
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€2.10M€1.28M▼
Fixed assets21/28€139k€111k▼
Tangible fixed assets22/27€132k€104k▼
Plant, machinery and equipment23€636€0▼
Furniture and vehicles24€132k€104k▼
Financial fixed assets28€7k€7k=
Current assets29/58€1.96M€1.17M▼
Stocks and contracts in progress3€531k€521k▼
Stocks30/36€531k€521k▼
Amounts receivable within one year40/41€6k€37k▲
Trade receivables40€6k€22k▲
Other amounts receivable41€0€15k▲
Current investments50/53€1.00M€0▼
Cash at bank and in hand54/58€423k€614k▲
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€2.10M€1.28M▼
Equity10/15€770k€754k▼
Contributions10/11€6k€6k=
Reserves13€5k€5k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€4k€4k=
Profit (loss) carried forward14€758k€742k▼
Amounts payable17/49€1.33M€530k▼
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€1.32M€527k▼
Current portion of amounts payable after more than one year42€6k€0▼
Trade debts44€5k€16k▲
Suppliers440/4€5k€16k▲
Advances received on contracts in progress46€52k€54k▲
Taxes, remuneration and social security45€39k€28k▼
Taxes450/3€30k€18k▼
Remuneration and social security454/9€9k€10k▲
Other amounts payable47/48€1.22M€429k▼
Accrued charges and deferred income492/3€10k€4k▼
Income statement
Code20242025
Remuneration, social security and pensions62€76k€76k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€35k€43k▲
Other operating charges640/8€1k€1k▲
Gross operating margin9900€577k€459k▼
Operating profit (loss)9901€465k€339k▼
Financial income75/76B€1k€50k▲
Recurring financial income75€1k€50k▲
Financial charges65/66B€9k€11k▲
Recurring financial charges65€9k€11k▲
Profit (loss) for the period before taxes9903€458k€379k▼
Income taxes67/77€115k€95k▼
Profit (loss) for the period9904€343k€284k▼
Profit (loss) for the period to be appropriated9905€343k€284k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1.51M€1.04M▼
Profit (loss) brought forward from the previous period14P€1.17M€758k▼
Profit to be distributed694/7€750k€300k▼
Return on contributions (dividend)694€750k€300k▼
Social balance
Average headcount (FTE)90873.23.0▼
The notes to these accounts (15 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 27 days late
2025
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €343k ▲1.5%
Operating result €465k, net result €343k, both a record.
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
07-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 38 days late
2022
31-12
Financial
Equity above €1MEq €1.04M ▲7.5%
5 profitable years in a row build equity to €1.04M.
01-09
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 32 days late
2021
05-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
10-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Weakest financial yearnet €155k ▼4.1%
Net result drops to €155k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €500kEq €535k ▲16.7%
2 profitable years in a row build equity to €535k.
21-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 21 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 30 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Zemst · 2 establishment units 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.
Hoge Buizen 131980 ZemstGround area
3,300 m²
Building footprint
1,687 m²
Volume, LiDAR
9,596 m³
2 parcels, Flanders · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
-
since 20042.145.128.868
Diestse steenweg 67, 3200 Aarschot
since 20182.271.469.685
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24001C0114/00X000 | Flanders | 1,725 m² | 1 · 374 m² | 4.7 m · 1 fl. |
| 23020D0342/00R002 | Flanders | 1,575 m² | 1 · 1,312 m² | 9.0 m · 2 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.
Similar companies · same sector, comparable size
THEUNISSEN
BE 0417.732.775
Genk · Eq €756k
CUISIBAINS-C.P.A
BE 0444.169.433
Marche-en-Famenne · Eq €749k
FYRON BELGIUM
BE 0795.898.460
Antwerpen · Eq €759k
FIDES
BE 0445.010.264
Aalst · Eq €749k
EX - CENTRIC
BE 0457.192.771
Liège · Eq €762k
Of 679 companies in sector 46494 we hold annual accounts for 530. 384 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-11-2004
Fiscal year end31-12
Activities, NACEBEL
46494Wholesale of non-electrical household articles
47540Retail sale of electrical household appliances
51471
46496Wholesale trade
46499Wholesale of other household goods
51476
51478
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.