ND DETECT 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 €111k and a net result of €-38k. Equity remains stable across the filed fiscal years (±1.2% per year). Its solvency ranks better than 42% of 2430 sector peers (fiscal year 2025). The company has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
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 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
3 d early
2023
11 d late
2022
10 d early
2021
17 d late
2020
15 d late
2019
30 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€111k▼ 25.3%
2024 · €149k
2019: €130k
2020: €152k
2021: €185k
2022: €201k
2023: €203k
2024: €149k
2019 → 2025
Net result
€-38k▼ 6,249%
2024 · €-594
2019: €15k
2020: €22k
2021: €33k
2022: €16k
2023: €2k
2024: €-594
2019 → 2025
Total assets
€272k▼ 32.3%
2024 · €402k
2019: €264k
2020: €277k
2021: €331k
2022: €318k
2023: €318k
2024: €402k
2019 → 2025
Solvency
40.9%▲ 3.8pp
2024 · 37.1%
2019: 49.1%
2020: 55.0%
2021: 55.9%
2022: 63.3%
2023: 63.9%
2024: 37.1%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€185k-€201k▲ 8.7%€203k▲ 0.9%€149k▼ 26.7%€111k▼ 25.3%
Operating result€44k-€20k▼ 54.4%€5k▼ 73.9%€27k▲ 430%€75k▲ 174%
Net result€33k-€16k▼ 51.4%€2k▼ 88.8%€-594€-38k▼ 6,249%
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 174% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €272k
Fixed assets
€87k▼ 16.6%
Current assets
€185k▼ 37.8%
Equity and liabilities €272k
Equity
€111k▼ 25.3%
Provisions
€67k▼ 23.0%
Debt
€94k▼ 43.4%
The debt ratio falls from 41.2% to 34.4%. Equity and debt are lower.
Key figures and ratios
Solvency
40.9%▲
2024 · 37.1%
ROE
-33.9%▼
2024 · -0.4%
ROA
-13.9%▼
2024 · -0.1%
Debt
€94k▼
2024 · €166k
Debt ≤ 1 year
€78k▼
2024 · €143k
Debt > 1 year
€16k▼
2024 · €22k
Income taxes
€11k▼
2024 · €24k
Staff costs
€148k▼
2024 · €169k
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€402k€272k▼
Fixed assets21/28€104k€87k▼
Intangible fixed assets21€4k€6k▲
Tangible fixed assets22/27€101k€81k▼
Plant, machinery and equipment23€34k€30k▼
Furniture and vehicles24€46k€36k▼
Other tangible fixed assets26€20k€16k▼
Current assets29/58€297k€185k▼
Amounts receivable within one year40/41€142k€96k▼
Trade receivables40€119k€68k▼
Other amounts receivable41€22k€28k▲
Cash at bank and in hand54/58€152k€81k▼
Deferred charges and accrued income490/1€4k€8k▲
Equity and liabilities
Total equity and liabilities10/49€402k€272k▼
Equity10/15€149k€111k▼
Contributions10/11€6k€6k=
Reserves13€142k€142k=
Distributable reserves133€142k€142k=
Profit (loss) carried forward14€667€-37k▼
Provisions and deferred taxes16€87k€67k▼
Provisions for liabilities and charges160/5€87k€67k▼
Other liabilities and charges164/5€87k€67k▼
Amounts payable17/49€166k€94k▼
Amounts payable after more than one year17€22k€16k▼
Financial debts170/4€22k€16k▼
Amounts payable within one year42/48€143k€78k▼
Current portion of amounts payable after more than one year42€6k€6k▲
Trade debts44€57k€24k▼
Suppliers440/4€57k€24k▼
Taxes, remuneration and social security45€12k€31k▲
Taxes450/3€6k€13k▲
Remuneration and social security454/9€6k€18k▲
Other amounts payable47/48€68k€16k▼
Income statement
Code20242025
Non-recurring operating income76A-€24k
Remuneration, social security and pensions62€169k€148k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€65k€34k▼
Provisions for liabilities and charges: additions (uses and reversals)635/8€87k€-20k▼
Other operating charges640/8€4k€1k▼
Non-recurring operating charges66A€3k€766▼
Gross operating margin9900€356k€239k▼
Operating profit (loss)9901€27k€75k▲
Financial income75/76B€446€665▲
Recurring financial income75€446€665▲
Financial charges65/66B€4k€102k▲
Recurring financial charges65€4k€102k▲
Profit (loss) for the period before taxes9903€24k€-26k▼
Income taxes67/77€24k€11k▼
Profit (loss) for the period9904€-594€-38k▼
Transfer from tax-exempt reserves789€1k-
Profit (loss) for the period to be appropriated9905€667€-38k▼
Appropriation of the result
Profit (loss) to be appropriated9906€667€-37k▼
Profit (loss) brought forward from the previous period14P-€667
Transfer from equity791/2€54k-
Profit to be distributed694/7€54k-
Return on contributions (dividend)694€54k-
The notes to these accounts (12 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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-38k
Net result drops to €-38k, the lowest in the series.
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
11-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 11 days late
2022
21-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
31-05
Financial
Equity above €200kEq €201k ▲8.7%
4 profitable years in a row build equity to €201k.
17-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 17 days late
2021
31-05
Financial
Highest result since 2019net €33k ▲47.5%
Net result €33k, the highest in the series.
15-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 15 days late
2020
31-05
Financial
Equity above €150kEq €152k ▲17.3%
2 profitable years in a row build equity to €152k.
30-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 30 days late
2019
30-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
25-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 25 days late
2017
26-01
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 26 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Villers-la-Ville · 2 establishment units since 2008
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.
Bruyère du Culot 41495 Villers-la-VilleGround area
2,651 m²
Building footprint
227 m²
Volume, LiDAR
1,278 m³
2 parcels, Wallonia · tallest building 7.3 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
ND Detect
since 20082.168.073.823
Rue de Marbais 9, 1495 Villers-la-Ville
since 20232.343.220.090
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25107B0423/00C000 | Wallonia | 1,871 m² | 1 · 107 m² | 6.8 m · 2 fl. |
| 25107A0065/00D000 | Wallonia | 779 m² | 1 · 120 m² | 7.2 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.
Recognitions · licences · registrations
Legal Entity Identifier
2549006BFCF4GRFSQB68
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Of 853 companies in sector 66210 we hold annual accounts for 511. 438 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-01-2008
Fiscal year end31-12
Activities, NACEBEL
66210Risk and damage evaluation
71121Engineering and related technical consultancy, excluding land surveyors
70200Business and other management consultancy
70220Business consulting
71209Other technical testing and analysis
74909Other professional, scientific and technical activities
74999Other professional, scientific and technical activities
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.