NAREA
ActiveNAREA has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €210k and a net result of €51k. Equity is growing by ~25.4% per year across the filed fiscal years. Its solvency ranks better than 90% of 31544 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
92
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability96▼-4
Solvency100=
Growth78=
Track record94
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €19k at 30 days acceptable
Liquidity ample (current ratio 11.71 against 19.06 in 2024; short-term debt: 8.5% and cash: 79.6% of total assets), and 8.5% of the assets are financed with debt.
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 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
91.5%
Return on assets
22%
Age of the figures
9 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 16-03-2026, 137 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
137 d early
2024
20 d late
2023
28 d early
2022
31 d late
2021
31 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€210k▲ 31.7%
2024 · €160k
2021: €42k
2022: €105k
2023: €161k
2024: €160k
2021 → 2025
Total assets
€230k▲ 36.5%
2024 · €168k
2021: €74k
2022: €160k
2023: €212k
2024: €168k
2021 → 2025
Net result
€51k▼ 7.2%
2024 · €55k
2021: €40k
2022: €63k
2023: €56k
2024: €55k
2021 → 2025
Working capital
€210k▲ 33.1%
2024 · €158k
2021: €27k
2022: €96k
2023: €154k
2024: €158k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€42k-€105k▲ 150%€161k▲ 53.5%€160k▼ 1.1%€210k▲ 31.7%
Operating result€56k-€89k▲ 58.8%€72k▼ 18.8%€70k▼ 3.3%€65k▼ 6.7%
Net result€40k-€63k▲ 57.6%€56k▼ 10.9%€55k▼ 3.1%€51k▼ 7.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 7% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €230k
Fixed assets
€558▼ 70.4%
Current assets
€229k▲ 37.9%
Equity and liabilities €230k
Equity
€210k▲ 31.7%
Debt
€20k▲ 124%
The debt ratio rises from 5.2% to 8.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€67k▼
2024 · €75k
Cash flow
€53k▼
2024 · €60k
Solvency
91.5%▼
2024 · 94.8%
Current ratio
11.71▼
2024 · 19.06
Quick ratio
11.71▼
2024 · 19.06
Debt / equity
0.09▲
2024 · 0.05
ROE
24.1%▼
2024 · 34.1%
ROA
22.0%▼
2024 · 32.4%
Interest coverage
653.36▼
2024 · 734.17
Debt
€20k▲
2024 · €9k
Debt ≤ 1 year
€20k▲
2024 · €9k
Income taxes
€14k▼
2024 · €15k
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€168k€230k▲
Formation expenses20€234€33▼
Fixed assets21/28€2k€558▼
Tangible fixed assets22/27€2k€558▼
Furniture and vehicles24€2k€558▼
Current assets29/58€166k€229k▲
Amounts receivable within one year40/41€365€46k▲
Trade receivables40-€43k
Other amounts receivable41€365€2k▲
Cash at bank and in hand54/58€164k€183k▲
Deferred charges and accrued income490/1€2k€494▼
Equity and liabilities
Total equity and liabilities10/49€168k€230k▲
Equity10/15€160k€210k▲
Contributions10/11€2k€2k=
Reserves13€158k€208k▲
Distributable reserves133€158k€208k▲
Amounts payable17/49€9k€20k▲
Amounts payable within one year42/48€9k€20k▲
Trade debts44€2k€1k▼
Suppliers440/4€2k€1k▼
Taxes, remuneration and social security45€6k€18k▲
Taxes450/3€5k€9k▲
Remuneration and social security454/9€985€9k▲
Other amounts payable47/48-€264
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€2k▼
Other operating charges640/8€966€990▲
Gross operating margin9900€76k€68k▼
Operating profit (loss)9901€70k€65k▼
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€102€103▲
Recurring financial charges65€102€103▲
Profit (loss) for the period before taxes9903€70k€65k▼
Income taxes67/77€15k€14k▼
Profit (loss) for the period9904€55k€51k▼
Profit (loss) for the period to be appropriated9905€55k€51k▼
Appropriation of the result
Profit (loss) to be appropriated9906€55k€51k▼
Transfer from equity791/2€56k-
Transfer to equity691/2€55k€51k▼
To other reserves6921€55k€51k▼
Profit to be distributed694/7€56k-
Return on contributions (dividend)694€56k-
The notes to these accounts (5 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
16-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €200kEq €210k ▲31.7%
5 profitable years in a row build equity to €210k.
20-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 20 days late
2024
31-12
Financial
Liquidity times 5current ratio 19.06
Current ratio from 4.05 to 19.06; short-term debt falls from €51k to €9k.
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €150kEq €161k ▲53.5%
3 profitable years in a row build equity to €161k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Highest result since 2021net €63k ▲57.6%
Operating result €89k, net result €63k, both a record.
31-12
Financial
Equity above €100kEq €105k ▲150%
2 profitable years in a row build equity to €105k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
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, Schaarbeek · 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.
Adolphe Marbotinstraat 931030 SchaarbeekGround area
168 m²
Building footprint
83 m²
Volume, LiDAR
813 m³
Parcel 21903B0007/00C002, Brussels · tallest building 14.5 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
NAREA
since 20212.315.417.714
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21903B0007/00C002 | Brussels | 168 m² | 1 · 83 m² | 14.5 m · 4 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.
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Of 82,524 companies in sector 70200 we hold annual accounts for 52,566. 39,649 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-03-2021
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
64200Holdings
64210Activities of holding companies
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
82100Office administrative and support services
82110Office administrative, office support and other business support activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 5 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.