MYSAVINGS
ActiveMYSAVINGS is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €512k and a net result of €91k. Equity is growing by ~9.2% per year across the filed fiscal years. Its solvency ranks better than 73% of 8596 sector peers (fiscal year 2025). The company has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 30-06-2026, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 d early
2024
13 d late
2023
on the day
2022
3 d early
2021
26 d late
2020
20 d late
2019
4 d early
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€512k▲ 21.6%
2024 · €421k
2018: €198k
2019: €275k
2020: €355k
2021: €487k
2022: €413k
2023: €454k
2024: €421k
2018 → 2025
Net result
€91k▲ 148%
2024 · €37k
2018: €70k
2019: €77k
2020: €80k
2021: €131k
2022: €34k
2023: €41k
2024: €37k
2018 → 2025
Total assets
€665k▼ 4.9%
2024 · €699k
2018: €268k
2019: €303k
2020: €437k
2021: €882k
2022: €821k
2023: €515k
2024: €699k
2018 → 2025
Solvency
77.0%▲ 16.7pp
2024 · 60.2%
2018: 73.9%
2019: 91.0%
2020: 81.3%
2021: 55.2%
2022: 50.3%
2023: 88.2%
2024: 60.2%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€487k-€413k▼ 15.2%€454k▲ 10.0%€421k▼ 7.3%€512k▲ 21.6%
Operating result€189k-€64k▼ 65.8%€65k▲ 0.2%€61k▼ 6.2%€145k▲ 140%
Net result€131k-€34k▼ 74.0%€41k▲ 20.9%€37k▼ 11.6%€91k▲ 148%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 140% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €665k
Fixed assets
€2k▼ 38.8%
Current assets
€663k▼ 4.7%
Equity and liabilities €665k
Equity
€512k▲ 21.6%
Debt
€153k▼ 44.9%
The debt ratio falls from 39.8% to 23.0%: equity grows while debt is paid down.
Key figures and ratios
Solvency
77.0%▲
2024 · 60.2%
ROE
17.7%▲
2024 · 8.7%
ROA
13.7%▲
2024 · 5.2%
Debt
€153k▼
2024 · €278k
Debt ≤ 1 year
€152k▼
2024 · €269k
Income taxes
€50k▲
2024 · €25k
Staff costs
€243k▲
2024 · €194k
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€699k€665k▼
Fixed assets21/28€3k€2k▼
Intangible fixed assets21€2k€576▼
Tangible fixed assets22/27€1k€1k▲
Plant, machinery and equipment23€1k€1k▲
Current assets29/58€695k€663k▼
Amounts receivable within one year40/41€8k€5k▼
Other amounts receivable41€8k€5k▼
Cash at bank and in hand54/58€140k€17k▼
Deferred charges and accrued income490/1€548k€640k▲
Equity and liabilities
Total equity and liabilities10/49€699k€665k▼
Equity10/15€421k€512k▲
Contributions10/11€19k€19k=
Reserves13€402k€493k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€400k€491k▲
Amounts payable17/49€278k€153k▼
Amounts payable within one year42/48€269k€152k▼
Trade debts44€47k€111k▲
Suppliers440/4€47k€111k▲
Bills of exchange payable441-€261
Taxes, remuneration and social security45€22k€41k▲
Taxes450/3€365€31k▲
Remuneration and social security454/9€22k€10k▼
Other amounts payable47/48€200k€32▼
Accrued charges and deferred income492/3€9k€921▼
Income statement
Code20242025
Remuneration, social security and pensions62€194k€243k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€3k▼
Other operating charges640/8€2k€2k▼
Gross operating margin9900€261k€393k▲
Operating profit (loss)9901€61k€145k▲
Financial income75/76B€1k€90▼
Recurring financial income75€1k€90▼
Financial charges65/66B€406€4k▲
Recurring financial charges65€406€4k▲
Profit (loss) for the period before taxes9903€61k€141k▲
Income taxes67/77€25k€50k▲
Profit (loss) for the period9904€37k€91k▲
Profit (loss) for the period to be appropriated9905€37k€91k▲
Appropriation of the result
Profit (loss) to be appropriated9906€37k€91k▲
Transfer from equity791/2€70k-
Transfer to equity691/2€37k€91k▲
To other reserves6921€37k€91k▲
Profit to be distributed694/7€70k-
Return on contributions (dividend)694€70k-
Social balance
Average headcount (FTE)90873.02.5▼
The notes to these accounts (9 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
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Equity above €500kEq €512k ▲21.6%
8 profitable years in a row build equity to €512k.
13-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 13 days late
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Liquidity quadruplescurrent ratio 8.38
Current ratio from 1.98 to 8.38; short-term debt falls from €408k to €60k.
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Weakest financial yearnet €34k ▼74%
Net result drops to €34k, the lowest in the series; recovery starts the following year.
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
31-12
Financial
Highest result since 2018net €131k ▲64.6%
Operating result €189k, net result €131k, both a record.
20-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 20 days late
2020
27-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity triplescurrent ratio 11.48
Current ratio from 3.83 to 11.48; short-term debt falls from €70k to €26k.
31-12
Financial
Equity above €200kEq €275k ▲38.8%
2 profitable years in a row build equity to €275k.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
08-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 8 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 acts for this company are 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, Brussel · 2 establishment units since 2013
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.
Antwerpselaan 38/391000 BrusselGround area
555 m²
Building footprint
505 m²
Volume, LiDAR
5,211 m³
2 parcels, Brussels, Flanders · tallest building 21.0 m, ±7 floors. Linked by address, not a title deed.
2 establishment units
Antwerpselaan 38/39, 1000 Brussel
since 20132.222.264.159
Stationsstraat 92, 1930 Zaventem
since 20172.267.663.624
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23094D0363/00Z010 | Flanders | 339 m² | 1 · 327 m² | 12.1 m · 1 fl. |
| 21812N1439/00K000 | Brussels | 216 m² | 1 · 177 m² | 21.0 m · 7 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 7,822 EUR awarded · 7,822 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 90 EUR | 90 EUR |
| 2024 | 1 | 1,070 EUR | 1,070 EUR |
| 2023 | 1 | 1,558 EUR | 1,558 EUR |
| 2022 | 1 | 5,104 EUR | 5,104 EUR |
Schemes
Vlaamse ondersteuningspremie (VOP) voor werkgevers (uitdovend stelsel)
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
984500CB9511E8515786
Similar companies · same sector, comparable size
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BE 0860.459.185
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VERZEKERINGEN SCHELLEKENS & VAN DOOREN
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Of 4,670 companies in sector 66220 we hold annual accounts for 3,216. 2,576 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-07-2013
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
70200Business and other management consultancy
70220Business consulting
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.