No-4-man
ActiveNo-4-man has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3.07M and a net result of €684k. Equity is growing by ~54.1% per year across the filed fiscal years. Its solvency ranks better than 76% of 8647 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
86
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability91▼-9
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €260k at 30 days acceptable
Liquidity ample (current ratio 4.3 against 3.29 in 2024; short-term debt: 8.1% and cash: 7% of total assets), and 19.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 · 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
80.1%
Return on assets
17.8%
Age of the figures
15 mo
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 28-01-2026, 3 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
3 d early
2024
11 d late
2023
19 d late
2022
21 d early
2021
3 d early
2020
30 d late
2019
4 d late
← before the deadline
after the deadline →
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 close21-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€3.07M▲ 28.6%
2024 · €2.39M
2019: €264k
2020: €353k
2021: €408k
2022: €490k
2023: €1.13M
2024: €2.39M
2019 → 2025
Total assets
€3.83M▲ 23.7%
2024 · €3.10M
2019: €572k
2020: €906k
2021: €936k
2022: €970k
2023: €2.33M
2024: €3.10M
2019 → 2025
Net result
€684k▼ 45.0%
2024 · €1.24M
2019: €115k
2020: €89k
2021: €55k
2022: €82k
2023: €643k
2024: €1.24M
2019 → 2025
Working capital
€1.02M▲ 40.5%
2024 · €726k
2019: €-95k
2020: €-123k
2021: €-114k
2022: €-49k
2023: €-380k
2024: €726k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€408k-€490k▲ 20.2%€1.13M▲ 131%€2.39M▲ 111%€3.07M▲ 28.6%
Operating result€114k-€153k▲ 34.1%€218k▲ 42.2%€830k▲ 281%€278k▼ 66.5%
Net result€55k-€82k▲ 50.8%€643k▲ 681%€1.24M▲ 93.3%€684k▼ 45.0%
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 falls in 2025; 2025 is 66% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.83M
Fixed assets
€2.50M▲ 21.9%
Current assets
€1.33M▲ 27.3%
Equity and liabilities €3.83M
Equity
€3.07M▲ 28.6%
Debt
€762k▲ 7.3%
The debt ratio falls from 22.9% to 19.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€335k▼
2024 · €870k
Cash flow
€740k▼
2024 · €1.28M
Solvency
80.1%▲
2024 · 77.1%
Current ratio
4.30▲
2024 · 3.29
Quick ratio
4.30▲
2024 · 3.29
Debt / equity
0.25▼
2024 · 0.30
ROE
22.3%▼
2024 · 52.0%
ROA
17.8%▼
2024 · 40.1%
Interest coverage
11.59▼
2024 · 100.39
Debt
€762k▲
2024 · €710k
Debt ≤ 1 year
€309k▼
2024 · €318k
Debt > 1 year
€452k▲
2024 · €392k
Income taxes
€70k▼
2024 · €79k
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€3.10M€3.83M▲
Fixed assets21/28€2.05M€2.50M▲
Intangible fixed assets21€94k€75k▼
Tangible fixed assets22/27€813k€1.28M▲
Land and buildings22€777k€1.25M▲
Furniture and vehicles24€36k€28k▼
Financial fixed assets28€1.15M€1.15M=
Current assets29/58€1.04M€1.33M▲
Amounts receivable within one year40/41€561k€551k▼
Trade receivables40€44k€47k▲
Other amounts receivable41€516k€504k▼
Current investments50/53€400k€500k▲
Cash at bank and in hand54/58€83k€269k▲
Deferred charges and accrued income490/1-€9k
Equity and liabilities
Total equity and liabilities10/49€3.10M€3.83M▲
Equity10/15€2.39M€3.07M▲
Contributions10/11€20k€20k=
Reserves13€2.37M€3.05M▲
Distributable reserves133€2.37M€3.05M▲
Amounts payable17/49€710k€762k▲
Amounts payable after more than one year17€392k€452k▲
Financial debts170/4€392k€452k▲
Amounts payable within one year42/48€318k€309k▼
Current portion of amounts payable after more than one year42€286k€233k▼
Trade debts44€12k€18k▲
Suppliers440/4€12k€18k▲
Taxes, remuneration and social security45€19k€58k▲
Taxes450/3€19k€58k▲
Accrued charges and deferred income492/3€450€900▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€40k€56k▲
Other operating charges640/8€1k€4k▲
Gross operating margin9900€871k€339k▼
Operating profit (loss)9901€830k€278k▼
Financial income75/76B€500k€504k▲
Recurring financial income75€500k€504k▲
Financial charges65/66B€9k€29k▲
Recurring financial charges65€9k€29k▲
Profit (loss) for the period before taxes9903€1.32M€754k▼
Income taxes67/77€79k€70k▼
Profit (loss) for the period9904€1.24M€684k▼
Profit (loss) for the period to be appropriated9905€1.24M€684k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1.24M€684k▼
Transfer to equity691/2€1.24M€684k▼
To other reserves6921€1.24M€684k▼
The notes to these accounts (17 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
28-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
11-02
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 11 days late
2024
30-06
Financial
Highest result since 2019net €1.24M ▲93.3%
Operating result €830k, net result €1.24M, both a record.
30-06
Financial
Liquidity times 5current ratio 3.29
Current ratio from 0.64 to 3.29; short-term debt falls from €1.04M to €318k.
30-06
Financial
Equity above €2MEq €2.39M ▲111%
6 profitable years in a row build equity to €2.39M.
19-02
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 19 days late
2023
30-06
Financial
Equity above €1MEq €1.13M ▲131%
5 profitable years in a row build equity to €1.13M.
10-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-06
Financial
Weakest financial yearnet €55k ▼38.9%
Net result drops to €55k, the lowest in the series; recovery starts the following year.
02-03
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 30 days late
2020
04-02
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 4 days late
2019
15-04
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 74 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Temse · 2 establishment units since 2016
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.
Kleine Dweersstraat 779140 TemseGround area
1,751 m²
Building footprint
131 m²
Volume, LiDAR
714 m³
2 parcels, Flanders, Wallonia · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
No-4-man
since 20162.258.949.757
No-4-man
since 20232.361.298.516
2 parcels
Flanders
1
(50%)
Wallonia
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46025B0693/00L000 | Flanders | 1,480 m² | 1 · 131 m² | 8.7 m · 2 fl. |
| 84057A0162/00G000 | Wallonia | 271 m² | - | - |
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 52,574. 15,620 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-10-2016
Fiscal year end30-06
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 8 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.