NECESSITIES
ActiveSummary
NECESSITIES has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.12M and a net result of €300k. Equity is growing by ~12.7% per year across the filed fiscal years. Its solvency ranks better than 83% of 4867 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
78
/ 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
Profitability83▲+5
Solvency100▲+6
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €160k at 30 days acceptable
Liquidity ample (current ratio 1.7 against 2.07 in 2024; short-term debt: 16.9% and cash: 7.1% of total assets), and 22.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
77.8%
Return on assets
11%
Age of the figures
15 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
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 29-01-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
on the day
2023
on the day
2022
14 d late
2021
on the day
2020
2 d early
2019
on the day
← before the deadline
after the deadline →
Checked, nothing found (2)
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 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€300k▲ 43.7%
2024 · €209k
2019: €180k
2020: €181k
2021: €200k
2022: €265k
2023: €231k
2024: €209k
2019 → 2025
Working capital
€324k▼ 16.6%
2024 · €389k
2019: €171k
2020: €190k
2021: €64k
2022: €139k
2023: €230k
2024: €389k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.32M-€1.58M▲ 20.1%€1.76M▲ 11.5%€1.92M▲ 9.0%€2.12M▲ 10.4%
Operating result€301k-€394k▲ 31.0%€354k▼ 10.2%€318k▼ 10.1%€435k▲ 36.8%
Net result€200k-€265k▲ 32.7%€231k▼ 12.6%€209k▼ 9.6%€300k▲ 43.7%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 37% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.73M
Fixed assets
€1.94M ▼ 4.2%
Current assets
€785k ▲ 4.4%
Equity and liabilities €2.73M
Equity
€2.12M ▲ 10.4%
Provisions
€0 ▼ 100%
Debt
€606k ▼ 7.9%
Debt's share of the balance-sheet total falls from 23.7% to 22.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€570k▲
2024 · €449k
Cash flow
€436k▲
2024 · €340k
Current ratio
1.70▼
2024 · 2.07
Quick ratio
1.70▼
2024 · 2.07
Debt to equity
0.29▼
2024 · 0.34
ROE
14.2%▲
2024 · 10.9%
ROA
11.0%▲
2024 · 7.5%
Interest coverage
65.87▲
2024 · 35.66
Debt ≤ 1 year
€461k▲
2024 · €363k
Debt > 1 year
€139k▼
2024 · €291k
Income taxes
€143k▲
2024 · €98k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 68 lines
Balance sheet
Code20242025
Assets
Total assets20/58€2.78M€2.73M▼
Fixed assets21/28€2.03M€1.94M▼
Tangible fixed assets22/27€2.02M€1.94M▼
Land and buildings22€1.76M€1.69M▼
Plant, machinery and equipment23€94k€81k▼
Furniture and vehicles24€122k€132k▲
Other tangible fixed assets26€41k€36k▼
Financial fixed assets28€7k€80▼
Current assets29/58€752k€785k▲
Amounts receivable after more than one year29€6k-
Other amounts receivable291€6k-
Stocks and contracts in progress3€1k€1k=
Stocks30/36€1k€1k=
Amounts receivable within one year40/41€148k€137k▼
Trade receivables40€142k€125k▼
Other amounts receivable41€6k€11k▲
Current investments50/53€366k€449k▲
Cash at bank and in hand54/58€225k€192k▼
Deferred charges and accrued income490/1€6k€6k▼
Equity and liabilities
Total equity and liabilities10/49€2.78M€2.73M▼
Equity10/15€1.92M€2.12M▲
Contributions10/11€6k€6k=
Reserves13€828k€928k▲
Non-distributable reserves130/1€800k-
Reserves not available under the articles1311€800k-
Tax-exempt reserves132€26k€26k=
Distributable reserves133€2k€902k▲
Profit (loss) carried forward14€1.09M€1.19M▲
Provisions and deferred taxes16€200k-
Provisions for liabilities and charges160/5€200k-
Other liabilities and charges164/5€200k-
Amounts payable17/49€658k€606k▼
Amounts payable after more than one year17€291k€139k▼
Financial debts170/4€290k€139k▼
Other amounts payable178/9€505€505=
Amounts payable within one year42/48€363k€461k▲
Current portion of amounts payable after more than one year42€211k€151k▼
Financial debts43-€47k
Credit institutions430/8-€47k
Trade debts44€53k€34k▼
Suppliers440/4€53k€34k▼
Taxes, remuneration and social security45€48k€81k▲
Taxes450/3€48k€81k▲
Other amounts payable47/48€50k€148k▲
Accrued charges and deferred income492/3€5k€6k▲
Income statement
Code20242025
Non-recurring operating income76A-€200k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€131k€135k▲
Provisions for liabilities and charges: additions (uses and reversals)635/8€100k-
Other operating charges640/8€15k€13k▼
Non-recurring operating charges66A-€200k
Gross operating margin9900€564k€783k▲
Operating profit (loss)9901€318k€435k▲
Financial income75/76B€2k€17k▲
Recurring financial income75€2k€11k▲
Non-recurring financial income76B-€6k
Financial charges65/66B€13k€9k▼
Recurring financial charges65€13k€9k▼
Profit (loss) for the period before taxes9903€307k€443k▲
Income taxes67/77€98k€143k▲
Profit (loss) for the period9904€209k€300k▲
Profit (loss) for the period to be appropriated9905€209k€300k▲
Appropriation of the result
Profit (loss) to be appropriated9906€1.24M€1.39M▲
Profit (loss) brought forward from the previous period14P€1.03M€1.09M▲
Transfer from equity791/2€50k€100k▲
Transfer to equity691/2€150k€200k▲
To other reserves6921€150k€200k▲
Profit to be distributed694/7€50k€100k▲
Return on contributions (dividend)694€50k€100k▲
The notes to these accounts (20 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
29-01
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
30-06
Financial
Highest result since 2019net €300k ▲43.7%
Operating result €435k, net result €300k, both a record.
30-06
Financial
Equity above €2MEq €2.12M ▲10.4%
7 profitable years in a row build equity to €2.12M.
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
14-02
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 14 days late
2022
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
27-02
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 27 days late
2018
27-02
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 27 days late
2017
21-02
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 21 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Sint-Gillis (bij-Brussel) · 1 establishment unit since 2004
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.
Antoine Bréartstraat 1481060 Sint-Gillis (bij-Brussel)Ground area
649 m²
Building footprint
322 m²
Volume, LiDAR
5,564 m³
2 parcels, Brussels · tallest building 26.2 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
NECESSITIES
since 20042.136.778.158
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21447B0211/00W005 | Brussels | 506 m² | 1 · 135 m² | 26.1 m · 7 fl. |
| 21383B0052/00D003 | Brussels | 142 m² | 1 · 187 m² | 24.6 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.
Similar companies · same sector, comparable size
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GUNTER BOSMANS
BE 0873.833.507
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TRIMMOVAN
BE 0428.940.433
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ALUTHERMO
BE 0467.117.356
Sankt Vith · Eq €1.99M
Of 1,137 companies in sector 46130 we hold annual accounts for 646. 238 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-03-2004
Fiscal year end30-06
Activities, NACEBEL 2025
46130Agents in the wholesale of timber and building materials
46412Wholesale of household textiles and bedding
46442Wholesale trade
46499Wholesale of other household goods
46831Wholesale of construction materials, general range
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesPhone:0477/700 397
Fax:02/644 64 95