MANAGEMENT TO BUSINESS
ActiveMANAGEMENT TO BUSINESS has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €481k and a net result of €102k. Equity is growing by ~23.7% per year across the filed fiscal years. Its solvency ranks better than 70% of 1633 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
85
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability86▲+8
Solvency90=
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 3.21 against 3.55 in 2024; short-term debt: 25.2% of total assets), and 35.3% 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+raises risk○neutral
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
64.7%
Return on assets
13.7%
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 · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 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
20 d late
2024
2 d early
2023
61 d late
2022
31 d late
2021
61 d late
2020
3 d early
2019
31 d late
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€481k▲ 26.9%
2024 · €379k
2018: €45k
2019: €89k
2020: €9k
2021: €231k
2022: €293k
2023: €339k
2024: €379k
2018 → 2025
Total assets
€744k▲ 27.9%
2024 · €582k
2018: €572k
2019: €569k
2020: €675k
2021: €638k
2022: €669k
2023: €566k
2024: €582k
2018 → 2025
Net result
€102k▲ 131%
2024 · €44k
2018: €48k
2019: €79k
2020: €141k
2021: €222k
2022: €62k
2023: €51k
2024: €44k
2018 → 2025
Working capital
€414k▲ 34.9%
2024 · €307k
2018: €-39k
2019: €-35k
2020: €-106k
2021: €47k
2022: €95k
2023: €261k
2024: €307k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€231k-€293k▲ 26.6%€339k▲ 15.8%€379k▲ 11.9%€481k▲ 26.9%
Operating result€290k-€104k▼ 64.1%€70k▼ 32.6%€59k▼ 15.6%€139k▲ 136%
Net result€222k-€62k▼ 72.3%€51k▼ 17.8%€44k▼ 12.7%€102k▲ 131%
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 recovers in 2025; 2025 is 136% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €744k
Fixed assets
€143k▼ 7.8%
Current assets
€602k▲ 40.8%
Equity and liabilities €744k
Equity
€481k▲ 26.9%
Debt
€263k▲ 29.7%
The debt ratio rises from 34.8% to 35.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€152k▲
2024 · €71k
Cash flow
€114k▲
2024 · €57k
Solvency
64.7%▼
2024 · 65.2%
Current ratio
3.21▼
2024 · 3.55
Quick ratio
3.19▼
2024 · 3.53
Debt / equity
0.55▲
2024 · 0.53
ROE
21.2%▲
2024 · 11.6%
ROA
13.7%▲
2024 · 7.6%
Interest coverage
23.53▲
2024 · 10.57
Debt
€263k▲
2024 · €203k
Debt ≤ 1 year
€188k▲
2024 · €120k
Debt > 1 year
€75k▼
2024 · €82k
Income taxes
€51k▲
2024 · €24k
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€582k€744k▲
Fixed assets21/28€155k€143k▼
Tangible fixed assets22/27€155k€143k▼
Land and buildings22€147k€137k▼
Furniture and vehicles24€945€705▼
Other tangible fixed assets26€6k€5k▼
Current assets29/58€427k€602k▲
Amounts receivable after more than one year29€339k€350k▲
Trade receivables290€339k€350k▲
Stocks and contracts in progress3€3k€3k=
Stocks30/36€3k€3k=
Amounts receivable within one year40/41€85k€249k▲
Trade receivables40€20k€49k▲
Other amounts receivable41€65k€200k▲
Deferred charges and accrued income490/1€137€450▲
Equity and liabilities
Total equity and liabilities10/49€582k€744k▲
Equity10/15€379k€481k▲
Contributions10/11€6k€6k=
Outside capital11€6k€6k=
Other1109/19€6k€6k=
Reserves13€153k€243k▲
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Tax-exempt reserves132€61k€61k=
Distributable reserves133€90k€180k▲
Profit (loss) carried forward14€220k€232k▲
Amounts payable17/49€203k€263k▲
Amounts payable after more than one year17€82k€75k▼
Financial debts170/4€82k€75k▼
Amounts payable within one year42/48€120k€188k▲
Current portion of amounts payable after more than one year42€10k€10k▲
Financial debts43€37k€37k▼
Credit institutions430/8€37k€37k▼
Trade debts44€6k€47k▲
Suppliers440/4€6k€47k▲
Taxes, remuneration and social security45€63k€90k▲
Taxes450/3€63k€90k▲
Other amounts payable47/48€4k€4k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€12k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€51k-
Other operating charges640/8€2k€2k▼
Gross operating margin9900€125k€154k▲
Operating profit (loss)9901€59k€139k▲
Financial income75/76B€16k€20k▲
Recurring financial income75€16k€20k▲
Financial charges65/66B€7k€6k▼
Recurring financial charges65€7k€6k▼
Profit (loss) for the period before taxes9903€68k€153k▲
Income taxes67/77€24k€51k▲
Profit (loss) for the period9904€44k€102k▲
Profit (loss) for the period to be appropriated9905€44k€102k▲
Appropriation of the result
Profit (loss) to be appropriated9906€260k€322k▲
Profit (loss) brought forward from the previous period14P€216k€220k▲
Transfer to equity691/2€40k€90k▲
To other reserves6921€40k€90k▲
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
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 20 days late
2025
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €44k ▼12.7%
Net result drops to €44k, the lowest in the series; recovery starts the following year.
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 61 days late
2021
31-12
Financial
Highest result since 2018net €222k ▲58.2%
Operating result €290k, net result €222k, both a record.
31-12
Financial
Equity above €200kEq €231k ▲2451%
4 profitable years in a row build equity to €231k.
28-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 61 days late
2018
04-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
2016
07-01
State Gazette act
Incorporation · Founding capital
Corporate purpose · Director appointment
2015
21-12
State Gazette act
Incorporation · Founding capital
Corporate purpose · Founder
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Blégny · 1 establishment unit since 2007
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.
Esplanade De Cuyper-Beniest 64671 BlégnyGround area
4,132 m²
Building footprint
2,219 m²
Volume, LiDAR
33,574 m³
2 parcels, Wallonia · tallest building 20.4 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
MANAGEMENT TO BUSINESS
since 20072.159.058.266
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62095C0028/00B004 | Wallonia | 2,774 m² | 1 · 2,068 m² | 20.4 m · 5 fl. |
| 62103B0790/00E000 | Wallonia | 1,358 m² | 1 · 150 m² | 8.8 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.
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Of 13,422 companies in sector 73300 we hold annual accounts for 6,901. 4,216 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-01-2007
Fiscal year end31-12
Activities, NACEBEL
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
74141
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.