MNEMONIC
ActiveMNEMONIC has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €296k and a net result of €52k. Equity remains stable across the filed fiscal years (±0% per year). Its solvency ranks better than 95% of 158 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
100
/ 100
Excellent▲ +10 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability87▲+30
Solvency100=
Growth78▲+46
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 6.1 against 5.33 in 2024), and 15.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
6 signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 33
Relative position
BE, all sectors
reference
Sector 33
higher
← 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
84.6%
Return on assets
14.8%
Age of the figures
11 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 · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 16-02-2026, 73 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
73 d early
2024
70 d early
2023
75 d early
2022
73 d early
2021
74 d early
2020
72 d early
2019
71 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
04-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€296k▲ 3.9%
2024 · €285k
2023: €296k
2024: €285k
2023 → 2025
Total assets
€350k▲ 1.9%
2024 · €343k
2023: €321k
2024: €343k
2023 → 2025
Net result
€52k▲ 59.4%
2024 · €32k
2023: €49k
2024: €32k
2023 → 2025
Working capital
€258k▲ 8.7%
2024 · €237k
2023: €234k
2024: €237k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€296k-€285k▼ 3.7%€296k▲ 3.9%
Operating result€68k-€47k▼ 31.2%€70k▲ 50.4%
Net result€49k-€32k▼ 33.9%€52k▲ 59.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 50% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €350k
Fixed assets
€41k▼ 19.2%
Current assets
€308k▲ 5.6%
Equity and liabilities €350k
Equity
€296k▲ 3.9%
Provisions
€3k▼ 9.4%
Debt
€51k▼ 7.7%
The debt ratio falls from 16.0% to 14.5%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€89k▲
2024 · €65k
Cash flow
€70k▲
2024 · €51k
Solvency
84.6%▲
2024 · 83.0%
Current ratio
6.10▲
2024 · 5.33
Quick ratio
6.04▲
2024 · 5.27
Debt / equity
0.17▼
2024 · 0.19
ROE
17.4%▲
2024 · 11.4%
ROA
14.8%▲
2024 · 9.4%
Interest coverage
39.51▲
2024 · 20.63
Debt
€51k▼
2024 · €55k
Debt ≤ 1 year
€51k▼
2024 · €55k
Income taxes
€21k▲
2024 · €14k
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€350k
Fixed assets
21/28€41k
Tangible fixed assets
22/27€41k
Current assets
29/58€308k
Stocks & contracts in progress
3€3k
Amounts receivable within one year
40/41€9k
Investments
50/53€216k
Cash & bank
54/58€78k
Total equity & liabilities
10/49€350k
Equity
10/15€296k
Contributions / capital
10/11€12k
Reserves
13€284k
Accumulated profits (losses)
14€33
Provisions & deferred taxes
16€3k
Amounts payable
17/49€51k
Amounts payable within one year
42/48€51k
Trade debts payable within one year
44€769
Income statement
Code2025
Gross operating margin
9900€90k
Operating result
9901€70k
Financial income
75€4k
Financial charges
65€2k
Result before taxes
9903€73k
Income taxes
67/77€21k
Net result for the period
9904€52k
Result to be appropriated
9905€53k
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
16-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Highest result since 2023net €52k ▲59.4%
Operating result €70k, net result €52k, both a record.
19-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Weakest financial yearnet €32k ▼33.9%
Net result drops to €32k, the lowest in the series; recovery starts the following year.
15-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
16-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
15-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
17-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
19-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
18-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
16-02
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
16-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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
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Of 1,223 companies in sector 33200 we hold annual accounts for 660. 490 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-01-2008
Fiscal year end30-09
Activities, NACEBEL
33200Installation of industrial machinery and equipment
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 12-08-2026. Scores and ratios are computed by Checked and are not a credit decision.