NSBD
ActiveNSBD has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €50k and a net result of €15k. Equity is growing by ~12.2% per year across the filed fiscal years. Its solvency ranks better than 26% of 31510 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+4
Solvency32▲+8
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity short (current ratio 0.94 against 1.11 in 2024), and 76.8% 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+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 · 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
23.2%
Return on assets
7%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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
27 d late
2024
29 d late
2023
104 d early
2022
39 d early
2021
47 d early
2020
9 d late
2019
28 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€50k▲ 43.2%
2024 · €35k
2018: €19k
2019: €18k
2020: €26k
2021: €26k
2022: €27k
2023: €28k
2024: €35k
2018 → 2025
Total assets
€214k▼ 0.1%
2024 · €214k
2018: €201k
2019: €200k
2020: €282k
2021: €264k
2022: €243k
2023: €231k
2024: €214k
2018 → 2025
Net result
€15k▲ 124%
2024 · €7k
2018: €-10k
2019: €-1k
2020: €7k
2021: €840
2022: €276
2023: €1k
2024: €7k
2018 → 2025
Working capital
€-1k
2024 · €2k
2018: €3k
2019: €-5k
2020: €-14k
2021: €-8k
2022: €-12k
2023: €-16k
2024: €2k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€26k-€27k▲ 1.0%€28k▲ 4.5%€35k▲ 23.9%€50k▲ 43.2%
Operating result€4k-€3k▼ 16.6%€4k▲ 32.1%€12k▲ 174%€25k▲ 104%
Net result€840-€276▼ 67.2%€1k▲ 339%€7k▲ 451%€15k▲ 124%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 104% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €214k
Fixed assets
€197k▲ 1.1%
Current assets
€17k▼ 12.8%
Equity and liabilities €214k
Equity
€50k▲ 43.2%
Debt
€164k▼ 8.5%
The debt ratio falls from 83.8% to 76.8%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€41k▲
2024 · €41k
Cash flow
€32k▼
2024 · €35k
Solvency
23.2%▲
2024 · 16.2%
Current ratio
0.94▼
2024 · 1.11
Quick ratio
0.94▼
2024 · 1.11
Debt / equity
3.30▼
2024 · 5.17
ROE
30.2%▲
2024 · 19.3%
ROA
7.0%▲
2024 · 3.1%
Interest coverage
29.90▲
2024 · 27.46
Debt
€164k▼
2024 · €179k
Debt ≤ 1 year
€18k▲
2024 · €17k
Debt > 1 year
€146k▼
2024 · €162k
Income taxes
€8k▲
2024 · €4k
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€214k€214k▼
Fixed assets21/28€195k€197k▲
Tangible fixed assets22/27€194k€196k▲
Land and buildings22€46k€41k▼
Plant, machinery and equipment23€210€14k▲
Furniture and vehicles24€0€3k▲
Other tangible fixed assets26€148k€139k▼
Financial fixed assets28€777€777=
Current assets29/58€19k€17k▼
Amounts receivable within one year40/41€5k€6k▲
Trade receivables40€5k€6k▲
Other amounts receivable41€113€329▲
Current investments50/53€0-
Cash at bank and in hand54/58€12k€10k▼
Deferred charges and accrued income490/1€2k€598▼
Equity and liabilities
Total equity and liabilities10/49€214k€214k▼
Equity10/15€35k€50k▲
Contributions10/11€19k€19k=
Reserves13€8k€23k▲
Non-distributable reserves130/1€1k€0▼
Reserves not available under the articles1311€1k€0▼
Distributable reserves133€7k€23k▲
Profit (loss) carried forward14€8k€8k=
Amounts payable17/49€179k€164k▼
Amounts payable after more than one year17€162k€146k▼
Financial debts170/4€62k€56k▼
Other amounts payable178/9€100k€90k▼
Amounts payable within one year42/48€17k€18k▲
Current portion of amounts payable after more than one year42€11k€6k▼
Trade debts44€1k€526▼
Suppliers440/4€1k€526▼
Taxes, remuneration and social security45€2k€7k▲
Taxes450/3€2k€7k▲
Other amounts payable47/48€3k€4k▲
Accrued charges and deferred income492/3€45€466▲
Income statement
Code20242025
Non-recurring operating income76A€3k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€29k€17k▼
Other operating charges640/8€3k€3k▼
Gross operating margin9900€43k€44k▲
Operating profit (loss)9901€12k€25k▲
Financial income75/76B€6€6▼
Recurring financial income75€6€6▼
Financial charges65/66B€1k€1k▼
Recurring financial charges65€1k€1k▼
Profit (loss) for the period before taxes9903€11k€23k▲
Income taxes67/77€4k€8k▲
Profit (loss) for the period9904€7k€15k▲
Profit (loss) for the period to be appropriated9905€7k€15k▲
Appropriation of the result
Profit (loss) to be appropriated9906€15k€23k▲
Profit (loss) brought forward from the previous period14P€8k€8k=
Transfer to equity691/2€7k€15k▲
To other reserves6921€7k€15k▲
The notes to these accounts (13 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
31-12
Financial
Highest result since 2018net €15k ▲124%
Operating result €25k, net result €15k, both a record.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Liquidity quadruplescurrent ratio 1.11
Current ratio from 0.31 to 1.11; short-term debt falls from €23k to €17k.
18-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
22-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
14-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
09-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 9 days late
2020
31-12
Financial
Back to profitnet €7k
Net result €7k after 2 loss-making years.
03-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
03-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
12-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
31-05
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, Oostkamp · 2 establishment units since 2012
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.
Stuivenbergstraat 1018020 OostkampGround area
2,414 m²
Building footprint
386 m²
Volume, LiDAR
1,851 m³
2 parcels, Flanders · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
Stuivenbergstraat 101, 8020 Oostkamp
since 20122.210.394.923
Keirselaarstraat 4, 8770 Ingelmunster
since 20152.279.832.372
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31022C0516/00L000 | Flanders | 1,296 m² | 1 · 180 m² | 8.5 m · 2 fl. |
| 36007C0150/02K000 | Flanders | 1,118 m² | 1 · 206 m² | 6.9 m · 1 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.
Public money · subsidies and aid
Flemish government
2022 to 2023 · 2 entries · 120 EUR awarded · 120 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 92 EUR | 92 EUR |
| 2022 | 1 | 28 EUR | 28 EUR |
Schemes
Brede weersverzekering
Recognitions · licences · registrations
Food safety, FASFC
1 siteIngelmunster2.279.832.372
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Nijlen · Eq €50k
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Watermaal-Bosvoorde · Eq €50k
Of 82,218 companies in sector 70200 we hold annual accounts for 52,395. 38,057 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-06-2012
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
01110Growing of cereals (except rice), leguminous crops and oil seeds
01130Growing of vegetables, melons, roots and tubers
01199Crop and animal production, hunting and related service activities
01420Raising of other cattle and buffaloes
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
82100Office administrative and support services
82110Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.