Marker.io
ActiveMarker.io has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €210k and a net result of €38k. Equity is growing by ~78.8% per year across the filed fiscal years. Its solvency ranks better than 32% of 2768 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
78
/ 100
Excellent▼ -13 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability89▼-11
Solvency73▲+5
Growth78=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity ample (current ratio 20.02 against 15.74 in 2024), but 68% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
7 signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
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
32%
Return on assets
5.7%
Age of the figures
8 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 24-08-2026, 24 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
24 d late
2024
25 d late
2023
14 d late
2022
5 d early
2021
31 d late
2020
16 d late
2019
83 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
04-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€210k▲ 21.8%
2024 · €172k
2023: €-61k
2024: €172k
2023 → 2025
Total assets
€655k▲ 11.6%
2024 · €587k
2023: €461k
2024: €587k
2023 → 2025
Net result
€38k▼ 53.7%
2024 · €81k
2023: €-66k
2024: €81k
2023 → 2025
Working capital
€587k▲ 18.1%
2024 · €497k
2023: €312k
2024: €497k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€-61k-€172k€210k▲ 21.8%
Operating result€-16k-€97k€92k▼ 5.5%
Net result€-66k-€81k€38k▼ 53.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 6% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €655k
Fixed assets
€37k▼ 33.9%
Current assets
€618k▲ 16.4%
Equity and liabilities €655k
Equity
€210k▲ 21.8%
Debt
€445k▲ 7.4%
The debt ratio falls from 70.7% to 68.0%: equity grows faster than debt.
Key figures and ratios
EBITDA
€110k▼
2024 · €117k
Cash flow
€56k▼
2024 · €101k
Solvency
32.0%▲
2024 · 29.3%
Current ratio
20.02▲
2024 · 15.74
Quick ratio
20.02▲
2024 · 15.74
Debt / equity
2.12▼
2024 · 2.41
ROE
17.9%▼
2024 · 47.1%
ROA
5.7%▼
2024 · 13.8%
Interest coverage
2.36▼
2024 · 5.65
Debt
€445k▲
2024 · €415k
Debt ≤ 1 year
€31k▼
2024 · €34k
Income taxes
€15k▲
2024 · €7k
Staff costs
€476▼
2024 · €71k
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
Balance sheet
Code2025
Total assets
20/58€655k
Fixed assets
21/28€37k
Intangible fixed assets
21€31k
Tangible fixed assets
22/27€1k
Financial fixed assets
28€5k
Current assets
29/58€618k
Amounts receivable within one year
40/41€57k
Cash & bank
54/58€553k
Total equity & liabilities
10/49€655k
Equity
10/15€210k
Contributions / capital
10/11€171k
Reserves
13€2k
Accumulated profits (losses)
14€37k
Amounts payable
17/49€445k
Amounts payable within one year
42/48€31k
Trade debts payable within one year
44€3k
Income statement
Code2025
Gross operating margin
9900€111k
Operating result
9901€92k
Financial income
75€7k
Financial charges
65€46k
Result before taxes
9903€53k
Income taxes
67/77€15k
Net result for the period
9904€38k
Result to be appropriated
9905€38k
This is the latest fiscal year. 2 prior years, with figures and ratios, belong to a paid plan.
See plans →
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 24 days late
2025
31-12
Financial
Equity above €200kEq €210k ▲21.8%
2 profitable years in a row build equity to €210k.
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
31-12
Financial
Back to profitnet €81k
Net result €81k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 15.74
Current ratio from 4.97 to 15.74; short-term debt falls from €78k to €34k.
31-12
Financial
Equity above €150kEq €172k
Equity rises from €-61k to €172k.
14-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 14 days late
27-06
State Gazette act
Registered-office change
08-03
State Gazette act
Miscellaneous
Conversion legal form · Peter VAN MELKEBEKE
2023
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
18-04
State Gazette act
Registered-office change
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
16-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 16 days late
2020
22-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 83 days late
2019
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
21-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 21 days late
2017
16-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 16 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
3 of 11 acts read
About the unread acts
Of the 11 Belgian State Gazette acts we know for this company, 3 have been read. The other 8 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
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Of 16,857 companies in sector 62100 we hold annual accounts for 8,443. 6,361 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-07-2014
Fiscal year end31-12
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
62020IT consultancy
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesBelgian Official Gazette · 3 actsNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 04-09-2026. Scores and ratios are computed by Checked and are not a credit decision.