NB Perspective
ActiveNB Perspective has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €26k and a net result of €3k. Equity is growing by ~48.3% per year across the filed fiscal years. Its solvency ranks better than 87% of 31642 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very 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
Profitability80▼-20
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 9.14 against 4.06 in 2024; short-term debt: 10.8% and cash: 60.3% of total assets), and 10.8% 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 →
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
89.2%
Return on assets
9.2%
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 09-07-2026, 22 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
22 d early
2024
on the day
2023
27 d early
2022
42 d early
2021
34 d early
2020
9 d late
2019
22 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€3k▼ 76.2%
2024 · €11k
2018: €-2k
2019: €-9k
2020: €7k
2021: €-4k
2022: €3k
2023: €4k
2024: €11k
2018 → 2025
Working capital
€26k▲ 12.8%
2024 · €23k
2018: €9k
2019: €15
2020: €8k
2021: €4k
2022: €8k
2023: €11k
2024: €23k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€4k-€8k▲ 82.1%€12k▲ 56.6%€23k▲ 92.9%€26k▲ 11.4%
Operating result€-4k-€4k€5k▲ 24.1%€14k▲ 200%€7k▼ 51.9%
Net result€-4k-€3k€4k▲ 25.6%€11k▲ 157%€3k▼ 76.2%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 52% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €29k
Fixed assets
€246▼ 50.0%
Current assets
€29k▼ 4.5%
Equity and liabilities €29k
Equity
€26k▲ 11.4%
Debt
€3k▼ 57.5%
The debt ratio falls from 24.2% to 10.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€7k▼
2024 · €14k
Cash flow
€3k▼
2024 · €11k
Solvency
89.2%▲
2024 · 75.8%
Current ratio
9.14▲
2024 · 4.06
Quick ratio
9.14▲
2024 · 4.06
Debt / equity
0.12▼
2024 · 0.32
ROE
10.3%▼
2024 · 48.2%
ROA
9.2%▼
2024 · 36.5%
Interest coverage
34.92▼
2024 · 73.19
Debt
€3k▼
2024 · €7k
Debt ≤ 1 year
€3k▼
2024 · €7k
Income taxes
€4k▲
2024 · €2k
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€31k€29k▼
Fixed assets21/28€492€246▼
Tangible fixed assets22/27€462€216▼
Furniture and vehicles24€462€216▼
Financial fixed assets28€30€30=
Current assets29/58€30k€29k▼
Amounts receivable within one year40/41€7k€10k▲
Trade receivables40€7k€6k▼
Other amounts receivable41-€4k
Cash at bank and in hand54/58€20k€17k▼
Deferred charges and accrued income490/1€3k€1k▼
Equity and liabilities
Total equity and liabilities10/49€31k€29k▼
Equity10/15€23k€26k▲
Contributions10/11€12k€12k=
Reserves13€11k€13k▲
Non-distributable reserves130/1€170€170=
Reserves not available under the articles1311€170€170=
Distributable reserves133€11k€13k▲
Amounts payable17/49€7k€3k▼
Amounts payable within one year42/48€7k€3k▼
Financial debts43-€10
Credit institutions430/8-€10
Trade debts44€4k€0▼
Suppliers440/4€4k€0▼
Taxes, remuneration and social security45€4k€3k▼
Taxes450/3€4k€3k▼
Other amounts payable47/48€59€59=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€246€246=
Other operating charges640/8€387€400▲
Gross operating margin9900€14k€7k▼
Operating profit (loss)9901€14k€7k▼
Financial income75/76B€15€0▼
Recurring financial income75€15€0▼
Financial charges65/66B€189€194▲
Recurring financial charges65€189€194▲
Profit (loss) for the period before taxes9903€13k€6k▼
Income taxes67/77€2k€4k▲
Profit (loss) for the period9904€11k€3k▼
Profit (loss) for the period to be appropriated9905€11k€3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€11k€3k▼
Profit (loss) brought forward from the previous period14P€-566-
Transfer to equity691/2€11k€3k▼
To other reserves6921€11k€3k▼
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
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity doublescurrent ratio 9.14
Current ratio from 4.06 to 9.14; short-term debt falls from €7k to €3k.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €11k ▲157%
Operating result €14k, net result €11k, both a record.
04-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
19-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
09-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 9 days late
2020
31-12
Financial
Back to profitnet €7k
Net result €7k after 2 loss-making years.
31-12
Financial
Liquidity triplescurrent ratio 3.50
Current ratio from 1.01 to 3.50.
09-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Weakest financial yearnet €-9k
Net result drops to €-9k, the lowest in the series; recovery starts the following year.
02-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
24-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
01-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 1 day late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Ukkel · 1 establishment unit since 2009
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.
Korporaaldreef 271180 UkkelGround area
1.2 ha
Building footprint
959 m²
Volume, LiDAR
10,972 m³
2 parcels, Brussels · tallest building 18.3 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
NB Perspective
since 20092.183.570.958
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21612C0213/00A000 | Brussels | 1.0 ha | 1 · 663 m² | 18.3 m · 5 fl. |
| 21614H0032/00X015 | Brussels | 1,959 m² | 1 · 296 m² | 9.3 m · 2 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.
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Of 82,570 companies in sector 70200 we hold annual accounts for 52,573. 33,169 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-11-2009
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 16 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.