METAPHORA
ActiveMETAPHORA has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-1k) and a net result of €-1k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 2251 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
17
/ 100
Critical▼ -51 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency35▲+19
Growth58▼-20
Stability94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.59 against 1.06 in 2024), and equity is negative.
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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Sector 86
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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
-22.4%
Return on assets
-27.6%
Age of the figures
8 mo
raises risk · Negative equity
Equity is negative for financial year 2025: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
NBB · annual accounts 2025Equity per financial year
2122232425
2021 to 2025 · latest year -€1k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-08-2026, 7 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 · 5 filingsDeviation from the deadline
2025
7 d late
2024
55 d late
2023
420 d late
2022
29 d late
2021
29 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
07-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€-1k
2024 · €250
2021: €-730
2022: €-3k
2023: €-3k
2024: €250
2021 → 2025
Total assets
€5k▲ 2.7%
2024 · €5k
2021: €717
2022: €3k
2023: €1k
2024: €5k
2021 → 2025
Net result
€-1k
2024 · €3k
2021: €-2k
2022: €-2k
2023: €81
2024: €3k
2021 → 2025
Working capital
€-2k
2024 · €250
2021: €-730
2022: €-3k
2023: €-3k
2024: €250
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-730-€-3k▼ 294%€-3k▲ 2.8%€250€-1k
Operating result€-2k-€-2k▲ 4.4%€365€3k▲ 763%€-1k
Net result€-2k-€-2k▲ 3.8%€81€3k▲ 3,659%€-1k
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 turns negative in 2025: a loss of €1k after €3k in 2024.
Balance-sheet composition
Assets €5k
Fixed assets
€1k
Current assets
€3k
Key figures and ratios
Solvency
-22.4%▼
2024 · 5.4%
Current ratio
0.59▼
2024 · 1.06
Quick ratio
0.59▼
2024 · 1.06
Debt / equity
-5.46▼
2024 · 17.60
ROE
123.3%▼
2024 · 1218.0%
ROA
-27.6%▼
2024 · 65.5%
Debt
€6k▲
2024 · €4k
Debt ≤ 1 year
€6k▲
2024 · €4k
Income taxes
€183
Staff costs
€14k▲
2024 · €13k
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
Total assets20/58€5k€5k▲
Fixed assets21/28-€1k
Financial fixed assets28-€1k
Current assets29/58€5k€3k▼
Amounts receivable within one year40/41€5k€3k▼
Total equity & liabilities10/49€5k€5k▲
Equity10/15€250€-1k▼
Contributions / capital10/11€2k€2k=
Accumulated profits (losses)14€-1k€-3k▼
Amounts payable17/49€4k€6k▲
Amounts payable within one year42/48€4k€6k▲
Trade debts payable within one year44€695€877▲
Income statement
Code20242025
Gross operating margin9900€17k€13k▼
Operating result9901€3k€-1k▼
Financial charges65€104€101▼
Result before taxes9903€3k€-1k▼
Income taxes67/77-€183
Net result for the period9904€3k€-1k▼
Result to be appropriated9905€3k€-1k▼
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
07-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 7 days late
2025
24-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 55 days late
24-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 420 days late
2024
31-12
Financial
Highest result since 2021net €3k ▲3659%
Operating result €3k, net result €3k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 1.06
Current ratio from 0.34 to 1.06.
2023
31-12
Financial
Back to profitnet €81
Net result €81 after 2 loss-making years.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has 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 5,512 companies in sector 86931 we hold annual accounts for 541. 31 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-03-2021
Fiscal year end31-12
Activities, NACEBEL
86904Human health activities
86931Psychology services
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 21-07-2026. Scores and ratios are computed by Checked and are not a credit decision.