NOSPOON
ActiveNOSPOON has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €90k and a net result of €12k. Equity is growing by ~10.5% per year across the filed fiscal years. Its solvency ranks better than 23% of 16942 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▲+3
Solvency48▲+2
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity short (current ratio 0.88 against 0.8 in 2024; short-term debt: 15.5% and cash: 5.7% of total assets), and 77.2% 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
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
22.8%
Return on assets
2.9%
Age of the figures
9 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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 16942 sector peers (2025).
NBB · sector comparisonPosition among 16942 sector peers
Solvency
better than 23%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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
31 d late
2024
29 d late
2023
29 d late
2022
28 d late
2021
17 d early
2020
28 d late
2019
61 d late
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€90k▲ 14.8%
2024 · €78k
2018: €44k
2019: €48k
2020: €49k
2021: €59k
2022: €65k
2023: €65k
2024: €78k
2018 → 2025
Total assets
€395k▲ 5.5%
2024 · €374k
2018: €323k
2019: €313k
2020: €312k
2021: €387k
2022: €389k
2023: €371k
2024: €374k
2018 → 2025
Net result
€12k▼ 11.3%
2024 · €13k
2018: €497
2019: €3k
2020: €1k
2021: €10k
2022: €7k
2023: €-98
2024: €13k
2018 → 2025
Working capital
€-7k▲ 4.8%
2024 · €-8k
2018: €-6k
2019: €5k
2020: €-1k
2021: €15k
2022: €3k
2023: €-683
2024: €-8k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€59k-€65k▲ 11.1%€65k▼ 0.2%€78k▲ 20.0%€90k▲ 14.8%
Operating result€15k-€14k▼ 7.9%€6k▼ 54.2%€30k▲ 387%€26k▼ 14.5%
Net result€10k-€7k▼ 33.0%€-98€13k€12k▼ 11.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 15% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €395k
Fixed assets
€341k▼ 0.6%
Current assets
€54k▲ 73.4%
Equity and liabilities €395k
Equity
€90k▲ 14.8%
Debt
€304k▲ 3.0%
The debt ratio falls from 79.0% to 77.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€57k▼
2024 · €59k
Cash flow
€43k▲
2024 · €42k
Solvency
22.8%▲
2024 · 21.0%
Current ratio
0.88▲
2024 · 0.80
Quick ratio
0.88▲
2024 · 0.80
Debt / equity
3.38▼
2024 · 3.77
ROE
12.9%▼
2024 · 16.7%
ROA
2.9%▼
2024 · 3.5%
Interest coverage
6.18▲
2024 · 5.56
Debt
€304k▲
2024 · €296k
Debt ≤ 1 year
€61k▲
2024 · €39k
Debt > 1 year
€243k▼
2024 · €257k
Income taxes
€5k▼
2024 · €7k
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€374k€395k▲
Fixed assets21/28€343k€341k▼
Tangible fixed assets22/27€342k€339k▼
Land and buildings22€208k€198k▼
Furniture and vehicles24-€3k
Other tangible fixed assets26€134k€138k▲
Financial fixed assets28€2k€1k▼
Current assets29/58€31k€54k▲
Amounts receivable within one year40/41€11k€31k▲
Trade receivables40€11k€31k▲
Cash at bank and in hand54/58€20k€22k▲
Deferred charges and accrued income490/1-€597
Equity and liabilities
Total equity and liabilities10/49€374k€395k▲
Equity10/15€78k€90k▲
Contributions10/11€12k€12k=
Reserves13€55k€66k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€53k€65k▲
Profit (loss) carried forward14€11k€12k▲
Amounts payable17/49€296k€304k▲
Amounts payable after more than one year17€257k€243k▼
Financial debts170/4€257k€243k▼
Amounts payable within one year42/48€39k€61k▲
Current portion of amounts payable after more than one year42€8k€22k▲
Trade debts44€208€12k▲
Suppliers440/4€208€12k▲
Taxes, remuneration and social security45€14k€22k▲
Taxes450/3€14k€20k▲
Remuneration and social security454/9-€2k
Other amounts payable47/48€17k€5k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€29k€32k▲
Other operating charges640/8€2k€38▼
Gross operating margin9900€61k€57k▼
Operating profit (loss)9901€30k€26k▼
Financial income75/76B€22€22▼
Recurring financial income75€22€22▼
Financial charges65/66B€11k€9k▼
Recurring financial charges65€11k€9k▼
Non-recurring financial charges66B€11k-
Profit (loss) for the period before taxes9903€20k€17k▼
Income taxes67/77€7k€5k▼
Profit (loss) for the period9904€13k€12k▼
Profit (loss) for the period to be appropriated9905€13k€12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€23k€23k▼
Profit (loss) brought forward from the previous period14P€10k€11k▲
Transfer to equity691/2€12k€12k▼
To other reserves6921€12k€12k▼
The notes to these accounts (9 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Back to profitnet €13k
Net result €13k after one loss-making year.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Weakest financial yearnet €-98 ▼102%
Net result drops to €-98, the lowest in the series; recovery starts the following year.
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
14-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
28-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 28 days late
2020
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 61 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 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, Quévy · 1 establishment unit since 2013
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.
Route de Mons-Maubeuge(HAV) 47041 QuévyGround area
1,032 m²
Building footprint
207 m²
Parcel 53037C0008/00G002, Wallonia. Linked by address, not a title deed.
1 establishment unit
Route de Mons-Maubeuge(HAV) 4, 7041 Quévy
since 20132.225.766.057
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53037C0008/00G002 | Wallonia | 1,032 m² | 1 · 207 m² | - |
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.
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Of 3,211 companies in sector 62900 we hold annual accounts for 1,741. 1,401 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-12-2013
Fiscal year end31-12
Activities, NACEBEL
62900Other information technology and computer services
62010Computer programming, consultancy and related activities
62020IT consultancy
62100Computer programming
62200Computer consultancy and computer facilities management
63120Computing infrastructure, data processing, hosting and other information service activities
63910Web portal activities
85592Vocational training
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.