N-LAW
ActiveN-LAW has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €242k and a net result of €187k. Equity is growing by ~70.7% per year across the filed fiscal years. Its solvency ranks better than 70% of 31616 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
93
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+27
Solvency100▲+46
Growth78▲+26
Track record94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €22k at 30 days acceptable
Liquidity ample (current ratio 6.26 against 1.13 in 2024; short-term debt: 10.7% and cash: 19% of total assets), and 25.3% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
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
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
74.7%
Return on assets
57.6%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 05-01-2026, 26 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
26 d early
2024
25 d early
2023
34 d early
2022
8 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close19-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€242k▲ 336%
2024 · €56k
2022: €31k
2023: €46k
2024: €56k
2022 → 2025
Total assets
€324k▲ 68.2%
2024 · €193k
2022: €160k
2023: €203k
2024: €193k
2022 → 2025
Net result
€187k▲ 1,863%
2024 · €10k
2022: €24k
2023: €15k
2024: €10k
2022 → 2025
Working capital
€183k▲ 3,092%
2024 · €6k
2022: €806
2023: €27k
2024: €6k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€31k-€46k▲ 47.3%€56k▲ 20.7%€242k▲ 336%
Operating result€34k-€14k▼ 59.0%€15k▲ 6.1%€42k▲ 184%
Net result€24k-€15k▼ 37.8%€10k▼ 35.6%€187k▲ 1,863%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 184% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €324k
Fixed assets
€106k▼ 25.1%
Current assets
€218k▲ 325%
Equity and liabilities €324k
Equity
€242k▲ 336%
Debt
€82k▼ 40.3%
The debt ratio falls from 71.2% to 25.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€46k▲
2024 · €18k
Cash flow
€190k▲
2024 · €12k
Solvency
74.7%▲
2024 · 28.8%
Current ratio
6.26▲
2024 · 1.13
Quick ratio
6.26▲
2024 · 1.13
Debt / equity
0.34▼
2024 · 2.47
ROE
77.1%▲
2024 · 17.1%
ROA
57.6%▲
2024 · 4.9%
Interest coverage
12.93▲
2024 · 5.81
Debt
€82k▼
2024 · €137k
Debt ≤ 1 year
€35k▼
2024 · €46k
Debt > 1 year
€46k▼
2024 · €91k
Income taxes
€8k▲
2024 · €3k
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€193k€324k▲
Fixed assets21/28€141k€106k▼
Tangible fixed assets22/27€16k€14k▼
Land and buildings22€5k€4k▼
Furniture and vehicles24€12k€10k▼
Financial fixed assets28€125k€92k▼
Current assets29/58€51k€218k▲
Amounts receivable after more than one year29€35k€119k▲
Other amounts receivable291€35k€119k▲
Amounts receivable within one year40/41€14k€36k▲
Trade receivables40€5k€0▼
Other amounts receivable41€9k€36k▲
Cash at bank and in hand54/58€1k€62k▲
Deferred charges and accrued income490/1€1k€1k▼
Equity and liabilities
Total equity and liabilities10/49€193k€324k▲
Equity10/15€56k€242k▲
Contributions10/11€8k€8k=
Reserves13€48k€235k▲
Distributable reserves133€48k€235k▲
Amounts payable17/49€137k€82k▼
Amounts payable after more than one year17€91k€46k▼
Financial debts170/4€91k€46k▼
Amounts payable within one year42/48€46k€35k▼
Current portion of amounts payable after more than one year42€20k€20k▲
Trade debts44€261€619▲
Suppliers440/4€261€619▲
Advances received on contracts in progress46€6k€0▼
Taxes, remuneration and social security45€5k€285▼
Taxes450/3€3k€285▼
Remuneration and social security454/9€2k€0▼
Other amounts payable47/48€15k€14k▼
Accrued charges and deferred income492/3€528€728▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€4k▲
Other operating charges640/8€928€897▼
Gross operating margin9900€19k€47k▲
Operating profit (loss)9901€15k€42k▲
Financial income75/76B€525€156k▲
Recurring financial income75€525€156k▲
Financial charges65/66B€3k€4k▲
Recurring financial charges65€3k€4k▲
Profit (loss) for the period before taxes9903€12k€195k▲
Income taxes67/77€3k€8k▲
Profit (loss) for the period9904€10k€187k▲
Profit (loss) for the period to be appropriated9905€10k€187k▲
Appropriation of the result
Profit (loss) to be appropriated9906€10k€187k▲
Transfer to equity691/2€10k€187k▲
To other reserves6921€10k€187k▲
The notes to these accounts (17 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
05-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Highest result since 2022net €187k ▲1863%
Operating result €42k, net result €187k, both a record.
30-06
Financial
Liquidity times 6current ratio 6.26
Current ratio from 1.13 to 6.26; short-term debt falls from €46k to €35k.
30-06
Financial
Equity above €200kEq €242k ▲336%
4 profitable years in a row build equity to €242k.
06-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Weakest financial yearnet €10k ▼35.6%
Net result drops to €10k, the lowest in the series; recovery starts the following year.
2023
28-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
23-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Waregem · 1 establishment unit since 2021
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.
IJzerland 398792 WaregemGround area
368 m²
Building footprint
108 m²
Volume, LiDAR
762 m³
Parcel 34010A0390/00E003, Flanders · tallest building 10.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
N-LAW
since 20212.317.537.262
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34010A0390/00E003 | Flanders | 368 m² | 1 · 108 m² | 10.6 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2024 to 2025 · 2 entries · 314 EUR awarded · 314 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 176 EUR | 176 EUR |
| 2024 | 1 | 138 EUR | 138 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,554 companies in sector 70200 we hold annual accounts for 52,573. 39,042 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-05-2021
Fiscal year end30-06
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
64200Holdings
64210Activities of holding companies
69101Activities of lawyers
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.