Open business
ActiveThe computed 12-month bankruptcy probability of Open business is 3.4% (moderate). The 2025 annual accounts show negative equity (€-17k) and a net result of €-26k. Equity is growing by ~12.1% per year across the filed fiscal years. Its solvency ranks better than 9% of 10345 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
27
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-100
Solvency2▼-31
Growth78=
Track record100
Bankruptcy probability, 12 months
3.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.81 against 1.09 in 2024; short-term debt: 122.9% and cash: 65.7% of total assets), and equity is negative.
Credit advice for your own amount and term
Signals
Nine signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-23.3%
Return on assets
-35.1%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €-17k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-09-2026, 48 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 · 7 filingsDeviation from the deadline
2025
48 d late
2024
120 d late
2023
30 d late
2022
5 d late
2021
61 d late
2020
116 d late
2019
91 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€-17k
2024 · €9k
2019: €-28k
2020: €-17k
2021: €-10k
2022: €-27k
2023: €-19k
2024: €9k
2019 → 2025
Total assets
€73k▼ 30.7%
2024 · €105k
2019: €23k
2020: €48k
2021: €76k
2022: €31k
2023: €51k
2024: €105k
2019 → 2025
Net result
€-26k
2024 · €28k
2019: €-34k
2020: €11k
2021: €-5k
2022: €-17k
2023: €8k
2024: €28k
2019 → 2025
Working capital
€-17k
2024 · €9k
2019: €-28k
2020: €-17k
2021: €-15k
2022: €-31k
2023: €-21k
2024: €9k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-10k-€-27k▼ 174%€-19k▲ 27.9%€9k€-17k
Operating result€-5k-€-17k▼ 234%€8k€29k▲ 267%€-25k
Net result€-5k-€-17k▼ 230%€8k€28k▲ 272%€-26k
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 turns negative in 2025: a loss of €25k after €29k in 2024, the lowest result in the available series.
Key figures and ratios
Solvency
-23.3%▼
2024 · 8.2%
Current ratio
0.81▼
2024 · 1.09
Quick ratio
0.56▼
2024 · 0.62
Debt / equity
-5.30▼
2024 · 11.21
ROA
-35.1%▼
2024 · 26.7%
Debt
€90k▼
2024 · €96k
Debt ≤ 1 year
€89k▼
2024 · €96k
Staff costs
€8k▼
2024 · €8k
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€105k€73k▼
Current assets29/58€105k€73k▼
Stocks and contracts in progress3€45k€23k▼
Stocks30/36€45k€23k▼
Amounts receivable within one year40/41€38k€2k▼
Trade receivables40€38k-
Other amounts receivable41-€2k
Cash at bank and in hand54/58€22k€48k▲
Equity and liabilities
Total equity and liabilities10/49€105k€73k▼
Equity10/15€9k€-17k▼
Contributions10/11€19k€19k=
Capital10€19k€19k=
Issued capital100€19k€19k=
Profit (loss) carried forward14€-10k€-36k▼
Amounts payable17/49€96k€90k▼
Amounts payable within one year42/48€96k€89k▼
Trade debts44€80k€73k▼
Suppliers440/4€80k€73k▼
Advances received on contracts in progress46€2k€2k=
Taxes, remuneration and social security45€11k€14k▲
Taxes450/3€11k€11k▼
Remuneration and social security454/9€379€3k▲
Other amounts payable47/48€3k-
Accrued charges and deferred income492/3-€262
Income statement
Code20242025
Remuneration, social security and pensions62€8k€8k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k-
Other operating charges640/8€2k€2k▲
Gross operating margin9900€41k€-15k▼
Operating profit (loss)9901€29k€-25k▼
Financial income75/76B-€103
Recurring financial income75-€103
Financial charges65/66B€799€464▼
Recurring financial charges65€799€464▼
Profit (loss) for the period before taxes9903€28k€-26k▼
Profit (loss) for the period9904€28k€-26k▼
Profit (loss) for the period to be appropriated9905€28k€-26k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-10k€-36k▼
Profit (loss) brought forward from the previous period14P€-38k€-10k▲
The notes to these accounts (2 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
17-09
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 48 days late
2025
28-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 120 days late
2024
31-12
Financial
Highest result since 2019net €28k ▲272%
Operating result €29k, net result €28k, both a record.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Back to profitnet €8k
Net result €8k after 2 loss-making years.
05-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 5 days late
2022
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 61 days late
2021
24-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 116 days late
2020
31-12
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Elsene · 2 establishment units since 2018
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.
Mouterijstraat 21050 ElseneGround area
315 m²
Building footprint
214 m²
Volume, LiDAR
2,905 m³
3 parcels, Brussels · tallest building 19.1 m, ±5 floors. Linked by address, not a title deed.
2 establishment units
Phone Tech
since 20182.278.453.487
Smartphone Center
since 20182.278.453.586
3 parcels
Brussels
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21012A0182/00N003 | Brussels | 119 m² | 1 · 105 m² | 19.1 m · 5 fl. |
| 21443C0009/00F003 | Brussels | 111 m² | 1 · 109 m² | 18.9 m · 5 fl. |
| 21305B0204/00M034 | Brussels | 85 m² | - | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
UNIQ
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8 NOVA
BE 0775.483.623
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PERIACTES
BE 0429.133.146
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MUSITEL
BE 0455.209.518
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OverDriveIT
BE 0769.884.149
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Of 3,227 companies in sector 47400 we hold annual accounts for 1,806. 873 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded03-08-2018
Fiscal year end31-12
Activities, NACEBEL
46500Wholesale of information and communication equipment
46520Wholesale trade
47400Retail sale of information and communication equipment
47430Retail trade
46190Agents in non-specialised wholesale trade
46431Wholesale of electrical household appliances and audio-video equipment
47420Retail trade
47540Retail sale of electrical household appliances
49410Freight transport by road
Sources
Crossroads Bank for EnterprisesNational Bank · 7 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.