ON THE PIC
ActiveON THE PIC has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €335k and a net result of €252k. Equity is growing by ~38.9% per year across the filed fiscal years. Its solvency ranks better than 27% of 16491 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
78
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability94▼-6
Solvency57▼-35
Growth78=
Track record94
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity tight (current ratio 1.42 against 3.72 in 2024; short-term debt: 61.6% and cash: 72.2% of total assets), and 67.7% 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 86
Relative position
BE, all sectors
reference
Sector 86
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
32.3%
Return on assets
24.4%
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 12-05-2026, 80 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
80 d early
2024
56 d early
2023
36 d early
2022
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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€335k▼ 40.0%
2024 · €558k
2022: €140k
2023: €335k
2024: €558k
2022 → 2025
Total assets
€1.03M▲ 24.3%
2024 · €832k
2022: €392k
2023: €606k
2024: €832k
2022 → 2025
Net result
€252k▲ 12.6%
2024 · €224k
2022: €136k
2023: €196k
2024: €224k
2022 → 2025
Working capital
€267k▼ 46.3%
2024 · €496k
2022: €107k
2023: €294k
2024: €496k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€140k-€335k▲ 140%€558k▲ 66.7%€335k▼ 40.0%
Operating result€200k-€288k▲ 43.8%€354k▲ 22.8%€407k▲ 15.2%
Net result€136k-€196k▲ 43.9%€224k▲ 14.4%€252k▲ 12.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen three years in a row; 2025 is 15% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.03M
Fixed assets
€131k▼ 14.6%
Current assets
€904k▲ 33.1%
Equity and liabilities €1.03M
Equity
€335k▼ 40.0%
Debt
€700k▲ 155%
The debt ratio rises from 33.0% to 67.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€430k▲
2024 · €375k
Cash flow
€275k▲
2024 · €246k
Solvency
32.3%▼
2024 · 67.0%
Current ratio
1.42▼
2024 · 3.72
Quick ratio
1.42▼
2024 · 3.72
Debt / equity
2.09▲
2024 · 0.49
ROE
75.4%▲
2024 · 40.2%
ROA
24.4%▼
2024 · 26.9%
Interest coverage
5.32▼
2024 · 6.15
Debt
€700k▲
2024 · €275k
Debt ≤ 1 year
€637k▲
2024 · €183k
Debt > 1 year
€63k▼
2024 · €92k
Income taxes
€81k▲
2024 · €71k
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€832k€1.03M▲
Fixed assets21/28€153k€131k▼
Intangible fixed assets21€140k€120k▼
Tangible fixed assets22/27€13k€11k▼
Land and buildings22€10k€9k▼
Furniture and vehicles24€4k€2k▼
Current assets29/58€679k€904k▲
Amounts receivable within one year40/41€3k€0▼
Trade receivables40€3k€0▼
Current investments50/53€400k€0▼
Cash at bank and in hand54/58€80k€747k▲
Deferred charges and accrued income490/1€196k€157k▼
Equity and liabilities
Total equity and liabilities10/49€832k€1.03M▲
Equity10/15€558k€335k▼
Contributions10/11€4k€4k=
Reserves13€331k€331k=
Distributable reserves133€331k€331k=
Profit (loss) carried forward14€223k€0▼
Amounts payable17/49€275k€700k▲
Amounts payable after more than one year17€92k€63k▼
Financial debts170/4€92k€63k▼
Amounts payable within one year42/48€183k€637k▲
Current portion of amounts payable after more than one year42€29k€29k▲
Trade debts44€478€2k▲
Suppliers440/4€478€2k▲
Taxes, remuneration and social security45€76k€55k▼
Taxes450/3€76k€52k▼
Remuneration and social security454/9€0€3k▲
Other amounts payable47/48€78k€552k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€22k▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€376k€431k▲
Operating profit (loss)9901€354k€407k▲
Financial income75/76B€3k€7k▲
Recurring financial income75€3k€7k▲
Financial charges65/66B€61k€81k▲
Recurring financial charges65€61k€81k▲
Profit (loss) for the period before taxes9903€295k€333k▲
Income taxes67/77€71k€81k▲
Profit (loss) for the period9904€224k€252k▲
Profit (loss) for the period to be appropriated9905€224k€252k▲
Appropriation of the result
Profit (loss) to be appropriated9906€224k€475k▲
Profit (loss) brought forward from the previous period14P-€223k
Transfer to equity691/2€0-
To other reserves6921€0-
Profit to be distributed694/7€833€475k▲
Return on contributions (dividend)694€833€475k▲
The notes to these accounts (12 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
12-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2022net €252k ▲12.6%
Operating result €407k, net result €252k, both a record.
05-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €500kEq €558k ▲66.7%
3 profitable years in a row build equity to €558k.
25-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €200kEq €335k ▲140%
2 profitable years in a row build equity to €335k.
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro 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, Ath · 1 establishment unit since 2022
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.
Rue des Récollets 407800 AthGround area
1.1 ha
Building footprint
880 m²
Volume, LiDAR
9,777 m³
2 parcels, Brussels, Wallonia · tallest building 14.3 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
ON THE PIC
since 20222.325.428.708
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21614H0056/02G084 | Brussels | 1.0 ha | 1 · 714 m² | 14.3 m · 4 fl. |
| 51004D0806/00N002 | Wallonia | 608 m² | 1 · 166 m² | 12.1 m · 3 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.
Recognitions · licences · registrations
Legal Entity Identifier
25490019HXJQQKDT1864
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Of 16,627 companies in sector 86220 we hold annual accounts for 7,973. 6,638 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-12-2021
Fiscal year end31-12
Activities, NACEBEL
86220Specialist medical practice
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:onthepic@yahoo.com