Netco-titres services
ActiveNetco-titres services has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €43k and a net result of €-29k. Equity is shrinking by ~4.2% per year across the filed fiscal years. Its solvency ranks better than 32% of 4554 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
2
/ 100
Critical▼ -21 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency10▼-2
Growth32▼-20
Stability100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.78 against 0.75 in 2024), and 94.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
5.1%
Return on assets
-3.5%
Age of the figures
8 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€29k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
30 d late
2024
30 d late
2023
28 d late
2022
27 d late
2021
28 d late
2020
4 d late
2019
1 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
14-09-2026 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
€-29k▼ 885%
2024 · €-3k
2018: €22k
2019: €14k
2020: €10k
2021: €21k
2022: €-11k
2023: €-27k
2024: €-3k
2018 → 2025
Working capital
€-146k▼ 13.7%
2024 · €-128k
2018: €-11k
2019: €-52k
2020: €-60k
2021: €-65k
2022: €-75k
2023: €-116k
2024: €-128k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€112k-€101k▼ 9.4%€75k▼ 26.2%€72k▼ 4.0%€43k▼ 40.6%
Operating result€47k-€17k▼ 63.7%€-8k€19k€9k▼ 54.3%
Net result€21k-€-11k€-27k▼ 151%€-3k▲ 88.8%€-29k▼ 885%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 54% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €832k
Fixed assets
€304k▼ 6.9%
Current assets
€528k▲ 38.7%
Equity and liabilities €832k
Equity
€43k▼ 40.6%
Debt
€789k▲ 24.2%
The debt ratio rises from 89.8% to 94.9%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€33k▼
2024 · €43k
Cash flow
€-5k▼
2024 · €20k
Solvency
5.1%▼
2024 · 10.2%
Current ratio
0.78▲
2024 · 0.75
Quick ratio
0.24▼
2024 · 0.32
Debt / equity
18.48▲
2024 · 8.83
ROE
-68.3%▼
2024 · -4.1%
ROA
-3.5%▼
2024 · -0.4%
Interest coverage
0.87▼
2024 · 1.95
Debt
€789k▲
2024 · €635k
Debt ≤ 1 year
€674k▲
2024 · €509k
Debt > 1 year
€114k▼
2024 · €127k
Income taxes
€352▼
2024 · €364
Staff costs
€984k▲
2024 · €851k
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€707k€832k▲
Formation expenses20€0-
Fixed assets21/28€327k€304k▼
Intangible fixed assets21€2k€1k▼
Tangible fixed assets22/27€323k€301k▼
Land and buildings22€272k€260k▼
Plant, machinery and equipment23€15k€11k▼
Furniture and vehicles24€6k€3k▼
Other tangible fixed assets26€31k€26k▼
Financial fixed assets28€3k€3k=
Current assets29/58€380k€528k▲
Stocks and contracts in progress3€220k€369k▲
Stocks30/36€220k€369k▲
Amounts receivable within one year40/41€22k€11k▼
Trade receivables40€11k-
Other amounts receivable41€11k€11k=
Cash at bank and in hand54/58€1k€1k▼
Deferred charges and accrued income490/1€138k€147k▲
Equity and liabilities
Total equity and liabilities10/49€707k€832k▲
Equity10/15€72k€43k▼
Contributions10/11€19k€19k=
Reserves13€14k€14k=
Tax-exempt reserves132€3k€3k=
Distributable reserves133€12k€12k=
Profit (loss) carried forward14€39k€10k▼
Amounts payable17/49€635k€789k▲
Amounts payable after more than one year17€127k€114k▼
Financial debts170/4€127k€114k▼
Amounts payable within one year42/48€509k€674k▲
Current portion of amounts payable after more than one year42€40k€38k▼
Financial debts43€204k€402k▲
Credit institutions430/8€204k€36k▼
Other loans439€0€366k▲
Trade debts44€81k€13k▼
Suppliers440/4€81k€13k▼
Taxes, remuneration and social security45€167k€196k▲
Taxes450/3€24k€7k▼
Remuneration and social security454/9€143k€189k▲
Other amounts payable47/48€17k€24k▲
Accrued charges and deferred income492/3€0€2k▲
Income statement
Code20242025
Remuneration, social security and pensions62€851k€984k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23k€24k▲
Other operating charges640/8€5k€5k▲
Gross operating margin9900€898k€1.02M▲
Operating profit (loss)9901€19k€9k▼
Financial income75/76B€47€58▲
Recurring financial income75€47€58▲
Financial charges65/66B€22k€38k▲
Recurring financial charges65€22k€38k▲
Non-recurring financial charges66B€180€206▲
Profit (loss) for the period before taxes9903€-3k€-29k▼
Income taxes67/77€364€352▼
Profit (loss) for the period9904€-3k€-29k▼
Profit (loss) for the period to be appropriated9905€-3k€-29k▼
Appropriation of the result
Profit (loss) to be appropriated9906€39k€10k▼
Profit (loss) brought forward from the previous period14P€42k€39k▼
The notes to these accounts (10 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
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
31-12
Financial
Weakest financial yearnet €-29k
Net result drops to €-29k, the lowest in the series.
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
27-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 27 days late
2022
28-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 28 days late
2021
31-12
Financial
Equity above €100kEq €112k ▲22.9%
4 profitable years in a row build equity to €112k.
04-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 4 days late
2020
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 27 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 29 days late
2017
25-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 25 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, Fléron · 2 establishment units 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.
Avenue des Martyrs 216 B4620 FléronGround area
9,300 m²
Building footprint
62 m²
Volume, LiDAR
644 m³
2 parcels, Wallonia · tallest building 11.9 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
Netco
since 20092.176.862.914
Netco titres-services
since 20192.369.502.043
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62059C0994/00D000 | Wallonia | 9,212 m² | - | - |
| 62038B0097/00W003 | Wallonia | 88 m² | 1 · 62 m² | 11.9 m · 4 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
MAVAS CLEAN
BE 0890.139.997
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DILITO
BE 0429.212.330
Wommelgem · Eq €43k
Dienstencheque-onderneming Halen
BE 0462.754.930
Halen · Eq €43k
L.S.NET
BE 0832.374.816
Anderlecht · Eq €43k
ANGELIQUE TITRES SERVICES
BE 0845.155.654
Charleroi · Eq €43k
Of 795 companies in sector 96910 we hold annual accounts for 607. 448 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-02-2009
Fiscal year end31-12
Activities, NACEBEL
81210General cleaning of buildings
96910Personal service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.