NON ZERO RATIO
ActiveNON ZERO RATIO has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €283k and a net result of €27k. Equity is growing by ~14.7% per year across the filed fiscal years. Its solvency ranks better than 95% of 31527 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
94
/ 100
Excellent▲ +8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability48▲+7
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 38.77 against 24.31 in 2024), and 2.5% 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○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
97.5%
Return on assets
9.3%
Age of the figures
11 mo
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
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 08-04-2026, 22 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
22 d early
2024
6 d early
2023
13 d early
2022
5 d early
2021
1 d early
2020
3 d early
2019
2 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
15-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€283k▲ 3.4%
2024 · €274k
2018: €113k
2019: €129k
2020: €167k
2021: €212k
2022: €207k
2023: €267k
2024: €274k
2018 → 2025
Total assets
€291k▲ 1.8%
2024 · €285k
2018: €159k
2019: €161k
2020: €184k
2021: €235k
2022: €236k
2023: €288k
2024: €285k
2018 → 2025
Net result
€27k▲ 21.2%
2024 · €22k
2018: €2k
2019: €16k
2020: €38k
2021: €59k
2022: €67k
2023: €61k
2024: €22k
2018 → 2025
Working capital
€272k▲ 4.5%
2024 · €260k
2018: €61k
2019: €71k
2020: €112k
2021: €165k
2022: €199k
2023: €259k
2024: €260k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€212k-€207k▼ 2.3%€267k▲ 28.7%€274k▲ 2.8%€283k▲ 3.4%
Operating result€84k-€93k▲ 11.2%€85k▼ 8.7%€30k▼ 65.3%€22k▼ 25.8%
Net result€59k-€67k▲ 13.1%€61k▼ 9.1%€22k▼ 63.3%€27k▲ 21.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 26% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €291k
Fixed assets
€11k▼ 18.1%
Current assets
€279k▲ 2.8%
Equity and liabilities €291k
Equity
€283k▲ 3.4%
Debt
€7k▼ 36.0%
The debt ratio falls from 4.0% to 2.5%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€24k▼
2024 · €32k
Cash flow
€30k▲
2024 · €25k
Solvency
97.5%▲
2024 · 96.0%
Current ratio
38.77▲
2024 · 24.31
Quick ratio
38.77▲
2024 · 24.31
Debt / equity
0.03▼
2024 · 0.04
ROE
9.6%▲
2024 · 8.2%
ROA
9.3%▲
2024 · 7.9%
Interest coverage
23.23▼
2024 · 230.85
Debt
€7k▼
2024 · €11k
Debt ≤ 1 year
€7k▼
2024 · €11k
Income taxes
€12k▲
2024 · €9k
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€285k€291k▲
Fixed assets21/28€14k€11k▼
Tangible fixed assets22/27€14k€11k▼
Furniture and vehicles24€2k€1k▼
Other tangible fixed assets26€12k€10k▼
Current assets29/58€272k€279k▲
Amounts receivable within one year40/41€15k€23k▲
Trade receivables40€12k€22k▲
Other amounts receivable41€3k€550▼
Current investments50/53€100k€134k▲
Cash at bank and in hand54/58€149k€118k▼
Deferred charges and accrued income490/1€7k€4k▼
Equity and liabilities
Total equity and liabilities10/49€285k€291k▲
Equity10/15€274k€283k▲
Contributions10/11€30k€30k=
Reserves13€244k€253k▲
Tax-exempt reserves132€44-
Distributable reserves133€244k€253k▲
Amounts payable17/49€11k€7k▼
Amounts payable within one year42/48€11k€7k▼
Financial debts43€378-
Credit institutions430/8€378-
Trade debts44€6k€4k▼
Suppliers440/4€6k€4k▼
Taxes, remuneration and social security45€3k€1k▼
Taxes450/3€3k€1k▼
Other amounts payable47/48€2k€2k▲
Accrued charges and deferred income492/3€133€32▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€3k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€34k€27k▼
Operating profit (loss)9901€30k€22k▼
Financial income75/76B€2k€18k▲
Recurring financial income75€2k€18k▲
Financial charges65/66B€138€1k▲
Recurring financial charges65€138€1k▲
Profit (loss) for the period before taxes9903€32k€39k▲
Income taxes67/77€9k€12k▲
Profit (loss) for the period9904€22k€27k▲
Transfer from tax-exempt reserves789-€44
Profit (loss) for the period to be appropriated9905€22k€27k▲
Appropriation of the result
Profit (loss) to be appropriated9906€22k€27k▲
Transfer from equity791/2€13k€16k▲
Transfer to equity691/2€21k€26k▲
To other reserves6921€21k€26k▲
Profit to be distributed694/7€15k€18k▲
Return on contributions (dividend)694€15k€18k▲
The notes to these accounts (6 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
08-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
24-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
17-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
25-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Highest result since 2018net €67k ▲13.1%
Operating result €93k, net result €67k, both a record.
29-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Equity above €200kEq €212k ▲27%
4 profitable years in a row build equity to €212k.
27-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Liquidity doublescurrent ratio 7.56
Current ratio from 3.55 to 7.56; short-term debt falls from €28k to €17k.
30-09
Financial
Equity above €150kEq €167k ▲29.3%
3 profitable years in a row build equity to €167k.
28-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
29-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
26-04
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
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, Nazareth-De Pinte · 1 establishment unit since 2007
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.
's Gravenstraat 209810 Nazareth-De PinteGround area
1,221 m²
Building footprint
198 m²
Volume, LiDAR
1,132 m³
Parcel 44048B0309/00A000, Flanders · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
NON ZERO RATIO
since 20072.161.159.703
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44048B0309/00A000 | Flanders | 1,221 m² | 1 · 198 m² | 9.3 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.
Recognitions · licences · registrations
Legal Entity Identifier
6488R1G91V18H8O7LD83
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Of 82,215 companies in sector 70200 we hold annual accounts for 52,392. 38,298 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-04-2007
Fiscal year end30-09
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 18 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.