MOERS
ActiveMOERS has been active since 1991 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.13M and a net result of €72k. Equity is growing by ~5.2% per year across the filed fiscal years. Its solvency ranks better than 83% of 700 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
94
/ 100
Excellent▲ +8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability32▲+29
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €110k at 30 days acceptable
Liquidity ample (current ratio 3.05 against 2.5 in 2024), and 23% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 52
Relative position
BE, all sectors
reference
Sector 52
higher
← fewer bankruptcies
more bankruptcies →
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
77%
Return on assets
4.9%
Age of the figures
8 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
20 d late
2023
5 d early
2022
5 d early
2021
4 d early
2020
2 d early
2019
21 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
€1.13M▲ 5.3%
2024 · €1.07M
2020: €873k
2021: €939k
2022: €951k
2023: €1.06M
2024: €1.07M
2020 → 2025
Total assets
€1.46M▲ 3.8%
2024 · €1.41M
2020: €1.22M
2021: €1.27M
2022: €1.96M
2023: €1.49M
2024: €1.41M
2020 → 2025
Net result
€72k▲ 1,010%
2024 · €7k
2020: €-8k
2021: €65k
2022: €13k
2023: €112k
2024: €7k
2020 → 2025
Working capital
€630k▲ 24.7%
2024 · €505k
2020: €596k
2021: €641k
2022: €127k
2023: €415k
2024: €505k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€939k-€951k▲ 1.3%€1.06M▲ 11.7%€1.07M▲ 0.6%€1.13M▲ 5.3%
Operating result€71k-€14k▼ 80.2%€122k▲ 766%€16k▼ 86.9%€108k▲ 575%
Net result€65k-€13k▼ 80.8%€112k▲ 789%€7k▼ 94.2%€72k▲ 1,010%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 575% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.46M
Fixed assets
€527k▼ 7.3%
Current assets
€937k▲ 11.2%
Equity and liabilities €1.46M
Equity
€1.13M▲ 5.3%
Provisions
€26k
Debt
€311k▼ 8.8%
The debt ratio falls from 24.2% to 21.3%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€270k▲
2024 · €183k
Cash flow
€235k▲
2024 · €173k
Solvency
77.0%▲
2024 · 75.8%
Current ratio
3.05▲
2024 · 2.50
Quick ratio
3.05▲
2024 · 2.50
Debt / equity
0.28▼
2024 · 0.32
ROE
6.4%▲
2024 · 0.6%
ROA
4.9%▲
2024 · 0.5%
Interest coverage
32.77▼
2024 · 33.68
Debt
€311k▼
2024 · €341k
Debt ≤ 1 year
€308k▼
2024 · €338k
Income taxes
€5k▼
2024 · €11k
Staff costs
€390k▲
2024 · €279k
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€1.41M€1.46M▲
Fixed assets21/28€568k€527k▼
Tangible fixed assets22/27€568k€526k▼
Financial fixed assets28€500€500=
Current assets29/58€843k€937k▲
Amounts receivable within one year40/41€291k€447k▲
Investments50/53€0-
Cash & bank54/58€543k€452k▼
Total equity & liabilities10/49€1.41M€1.46M▲
Equity10/15€1.07M€1.13M▲
Contributions / capital10/11€19k€19k=
Reserves13€1.05M€1.11M▲
Accumulated profits (losses)14€0€0=
Provisions & deferred taxes16-€26k
Amounts payable17/49€341k€311k▼
Amounts payable within one year42/48€338k€308k▼
Trade debts payable within one year44€118k€84k▼
Income statement
Code20242025
Gross operating margin9900€502k€708k▲
Operating result9901€16k€108k▲
Financial income75€7k€4k▼
Financial charges65€5k€8k▲
Result before taxes9903€17k€103k▲
Income taxes67/77€11k€5k▼
Net result for the period9904€7k€72k▲
Result to be appropriated9905€7k€-6k▼
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
20-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 20 days late
2024
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2020net €112k ▲789%
Operating result €122k, net result €112k, both a record.
31-12
Financial
Equity above €1MEq €1.06M ▲11.7%
3 profitable years in a row build equity to €1.06M.
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Back to profitnet €65k
Net result €65k after one loss-making year.
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
21-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 21 days late
2019
21-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 21 days late
2018
24-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Comparable companies · same sector, comparable size
Similar companies · same sector, comparable size
CASSART DEPANNAGE
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S.D. DEMOLITIONS - DEPANNAGES
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Charleroi · Eq €1.11M
JOHN COCKERILL TRACTION
BE 0462.442.946
Manage · Eq €1.11M
D'HEEDENE KRIS
BE 0878.878.891
Wevelgem · Eq €1.16M
INDUSTRIAL RECYCLERS LOGISTICS
BE 0653.813.553
Manhay · Eq €1.09M
Of 1,707 companies in sector 52210 we hold annual accounts for 742. 374 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-03-1991
Fiscal year end31-12
Activities, NACEBEL
95311General maintenance and repair of cars and light vans (up to 3.5 tonnes)
50200
52210Service activities incidental to land transportation
63210
29202Manufacture of motor vehicles, trailers and semi-trailers
34202
Sources
Crossroads Bank for EnterprisesNational Bank · 35 filingsAddress and cadastre registers
Data from official sources, last processed on 18-08-2026. Scores and ratios are computed by Checked and are not a credit decision.