NINE-D
ActiveNINE-D has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €126k and a net result of €14k. Equity is growing by ~4.6% per year across the filed fiscal years. Its solvency ranks better than 37% of 2002 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability74▲+57
Solvency60▼-40
Growth58▲+6
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity tight (current ratio 1.36 against 36.53 in 2024; short-term debt: 64.9% and cash: 70.8% of total assets), and 64.9% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
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
35.1%
Return on assets
4%
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 22-07-2026, 9 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
9 d early
2024
35 d early
2023
61 d late
2022
30 d late
2021
33 d early
2020
30 d late
2019
30 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€126k▼ 64.3%
2024 · €352k
2018: €159k
2019: €207k
2020: €311k
2021: €364k
2022: €341k
2023: €357k
2024: €352k
2018 → 2025
Total assets
€359k▼ 0.6%
2024 · €361k
2018: €183k
2019: €265k
2020: €369k
2021: €376k
2022: €349k
2023: €364k
2024: €361k
2018 → 2025
Net result
€14k
2024 · €-5k
2018: €13k
2019: €65k
2020: €104k
2021: €53k
2022: €-24k
2023: €16k
2024: €-5k
2018 → 2025
Working capital
€83k▼ 73.0%
2024 · €309k
2018: €114k
2019: €163k
2020: €263k
2021: €315k
2022: €296k
2023: €313k
2024: €309k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€364k-€341k▼ 6.5%€357k▲ 4.8%€352k▼ 1.4%€126k▼ 64.3%
Operating result€79k-€-23k€20k€-5k€18k
Net result€53k-€-24k€16k€-5k€14k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €18k after a loss of €5k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €359k
Fixed assets
€42k▼ 1.7%
Current assets
€316k▼ 0.4%
Equity and liabilities €359k
Equity
€126k▼ 64.3%
Debt
€233k▲ 2,578%
The debt ratio rises from 2.4% to 64.9%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€19k▲
2024 · €-4k
Cash flow
€15k▲
2024 · €-4k
Solvency
35.1%▼
2024 · 97.6%
Current ratio
1.36▼
2024 · 36.53
Quick ratio
1.32▼
2024 · 35.54
Debt / equity
1.85▲
2024 · 0.02
ROE
11.4%▲
2024 · -1.4%
ROA
4.0%▲
2024 · -1.4%
Interest coverage
103.63▲
2024 · -5.08
Debt
€233k▲
2024 · €9k
Debt ≤ 1 year
€233k▲
2024 · €9k
Income taxes
€5k▲
2024 · €0
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€361k€359k▼
Fixed assets21/28€43k€42k▼
Tangible fixed assets22/27€43k€42k▼
Plant, machinery and equipment23€4k€4k=
Furniture and vehicles24€780€69▼
Other tangible fixed assets26€38k€38k=
Current assets29/58€318k€316k▼
Stocks and contracts in progress3€9k€9k=
Stocks30/36€9k€9k=
Amounts receivable within one year40/41€30k€54k▲
Trade receivables40€6k€44k▲
Other amounts receivable41€24k€9k▼
Cash at bank and in hand54/58€279k€254k▼
Equity and liabilities
Total equity and liabilities10/49€361k€359k▼
Equity10/15€352k€126k▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€263k€37k▼
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Distributable reserves133€257k€31k▼
Profit (loss) carried forward14€27k€27k=
Amounts payable17/49€9k€233k▲
Amounts payable within one year42/48€9k€233k▲
Trade debts44€784€516▼
Suppliers440/4€784€516▼
Taxes, remuneration and social security45€6k€5k▼
Taxes450/3€4k€5k▲
Remuneration and social security454/9€2k€0▼
Other amounts payable47/48€2k€228k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€720€710▼
Other operating charges640/8€558€520▼
Gross operating margin9900€-4k€19k▲
Operating profit (loss)9901€-5k€18k▲
Financial income75/76B€892€1k▲
Recurring financial income75€892€1k▲
Financial charges65/66B€831€182▼
Recurring financial charges65€831€182▼
Profit (loss) for the period before taxes9903€-5k€19k▲
Income taxes67/77€0€5k▲
Profit (loss) for the period9904€-5k€14k▲
Profit (loss) for the period to be appropriated9905€-5k€14k▲
Appropriation of the result
Profit (loss) to be appropriated9906€27k€41k▲
Profit (loss) brought forward from the previous period14P€32k€27k▼
Transfer from equity791/2-€241k
Transfer to equity691/2€0€14k▲
To other reserves6921€0€14k▲
Profit to be distributed694/7-€241k
Return on contributions (dividend)694-€241k
The notes to these accounts (8 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
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Back to profitnet €14k
Net result €14k after one loss-making year.
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
31-12
Financial
Back to profitnet €16k
Net result €16k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-12
Financial
Weakest financial yearnet €-24k ▼144%
Net result drops to €-24k, the lowest in the series; recovery starts the following year.
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity times 5current ratio 27.41
Current ratio from 5.51 to 27.41; short-term debt falls from €58k to €12k.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
31-12
Financial
Highest result since 2018net €104k ▲60.9%
Operating result €154k, net result €104k, both a record.
01-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €200kEq €207k ▲29.8%
2 profitable years in a row build equity to €207k.
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
27-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · 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
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, Kalmthout · 1 establishment unit since 2000
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.
Putsesteenweg (C) 982920 KalmthoutGround area
421 m²
Building footprint
293 m²
Volume, LiDAR
1,838 m³
Parcel 11022G0893/00G026, Flanders · tallest building 19.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Putsesteenweg (C) 98, 2920 Kalmthout
since 20002.131.829.277
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11022G0893/00G026 | Flanders | 421 m² | 1 · 293 m² | 19.2 m · 2 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Similar companies · same sector, comparable size
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STEPHANIE PAREIN INTERIEURARCHITECTE
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thankyoucomeagain
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Of 3,920 companies in sector 71112 we hold annual accounts for 1,295. 1,035 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded05-01-2000
Fiscal year end31-12
Activities, NACEBEL
71112Activities of interior architects
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.