P2P MIC
ActiveP2P MIC has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.19M and a net result of €36k. Equity is growing by ~84.7% per year across the filed fiscal years. Its solvency ranks better than 61% of 7683 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
86
/ 100
Excellent▼ -10 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability15▼-85
Solvency99▲+1
Growth78=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €100k at 30 days acceptable
Liquidity ample (current ratio 8.23 against 3.4 in 2024), and 36.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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 82
Relative position
BE, all sectors
reference
Sector 82
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
63.4%
Return on assets
2%
Age of the figures
14 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 07-01-2026, 24 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
24 d early
2024
79 d early
2023
43 d early
2022
26 d early
2021
6 d early
2020
18 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close12-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.19M▲ 3.2%
2024 · €1.15M
2020: €63k
2021: €102k
2022: €149k
2023: €276k
2024: €1.15M
2020 → 2025
Total assets
€1.87M▼ 3.0%
2024 · €1.93M
2020: €286k
2021: €441k
2022: €539k
2023: €921k
2024: €1.93M
2020 → 2025
Net result
€36k▼ 96.4%
2024 · €1.01M
2020: €30k
2021: €39k
2022: €49k
2023: €128k
2024: €1.01M
2020 → 2025
Working capital
€510k▲ 7.3%
2024 · €475k
2020: €-14k
2021: €2k
2022: €95k
2023: €147k
2024: €475k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€102k-€149k▲ 46.6%€276k▲ 84.7%€1.15M▲ 317%€1.19M▲ 3.2%
Operating result€59k-€74k▲ 25.1%€69k▼ 7.6%€21k▼ 69.6%€59k▲ 181%
Net result€39k-€49k▲ 26.4%€128k▲ 161%€1.01M▲ 686%€36k▼ 96.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 181% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.87M
Fixed assets
€1.29M▲ 2.7%
Current assets
€581k▼ 13.7%
Equity and liabilities €1.87M
Equity
€1.19M▲ 3.2%
Debt
€686k▼ 12.2%
The debt ratio falls from 40.5% to 36.6%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€99k▲
2024 · €54k
Cash flow
€77k▼
2024 · €1.04M
Solvency
63.4%▲
2024 · 59.5%
Current ratio
8.23▲
2024 · 3.40
Quick ratio
8.23▲
2024 · 3.40
Debt / equity
0.58▼
2024 · 0.68
ROE
3.1%▼
2024 · 87.6%
ROA
2.0%▼
2024 · 52.1%
Interest coverage
4.87▲
2024 · 2.99
Debt
€686k▼
2024 · €781k
Debt ≤ 1 year
€71k▼
2024 · €198k
Debt > 1 year
€605k▲
2024 · €576k
Income taxes
€15k▲
2024 · €8k
Staff costs
€875▲
2024 · €821
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€1.93M€1.87M▼
Fixed assets21/28€1.26M€1.29M▲
Tangible fixed assets22/27€1.25M€1.29M▲
Land and buildings22€1.23M€1.19M▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€1k€1k▲
Assets under construction and advance payments27€15k€90k▲
Financial fixed assets28€5k€5k=
Current assets29/58€673k€581k▼
Amounts receivable after more than one year29€1k€0▼
Other amounts receivable291€1k€0▼
Amounts receivable within one year40/41€66k€68k▲
Trade receivables40€21k€24k▲
Other amounts receivable41€45k€44k▼
Current investments50/53€550k€470k▼
Cash at bank and in hand54/58€55k€39k▼
Deferred charges and accrued income490/1€766€4k▲
Equity and liabilities
Total equity and liabilities10/49€1.93M€1.87M▼
Equity10/15€1.15M€1.19M▲
Contributions10/11€1k€1k=
Reserves13€1.14M€1.18M▲
Distributable reserves133€1.14M€1.18M▲
Profit (loss) carried forward14€5k€5k=
Amounts payable17/49€781k€686k▼
Amounts payable after more than one year17€576k€605k▲
Financial debts170/4€576k€605k▲
Amounts payable within one year42/48€198k€71k▼
Current portion of amounts payable after more than one year42€46k€46k▲
Trade debts44€1k€6k▲
Suppliers440/4€1k€6k▲
Taxes, remuneration and social security45€16k€14k▼
Taxes450/3€12k€14k▲
Remuneration and social security454/9€4k€0▼
Other amounts payable47/48€135k€4k▼
Accrued charges and deferred income492/3€7k€10k▲
Income statement
Code20242025
Non-recurring operating income76A€0-
Remuneration, social security and pensions62€821€875▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€33k€41k▲
Other operating charges640/8€32k€19k▼
Non-recurring operating charges66A-€9k
Gross operating margin9900€87k€128k▲
Operating profit (loss)9901€21k€59k▲
Financial income75/76B€1.01M€13k▼
Recurring financial income75€1.01M€13k▼
Financial charges65/66B€18k€20k▲
Recurring financial charges65€18k€20k▲
Profit (loss) for the period before taxes9903€1.01M€51k▼
Income taxes67/77€8k€15k▲
Profit (loss) for the period9904€1.01M€36k▼
Profit (loss) for the period to be appropriated9905€1.01M€36k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1.01M€41k▼
Profit (loss) brought forward from the previous period14P€174€5k▲
Transfer from equity791/2€31k€0▼
Transfer to equity691/2€900k€36k▼
To other reserves6921€900k€36k▼
Profit to be distributed694/7€133k€0▼
Return on contributions (dividend)694€133k€0▼
The notes to these accounts (11 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
07-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Liquidity doublescurrent ratio 8.23
Current ratio from 3.40 to 8.23; short-term debt falls from €198k to €71k.
2024
13-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-06
Financial
Highest result since 2020net €1.01M ▲686%
Net result €1.01M, the highest in the series.
30-06
Financial
Equity above €1MEq €1.15M ▲317%
5 profitable years in a row build equity to €1.15M.
2023
19-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
30-06
Financial
Equity above €200kEq €276k ▲84.7%
4 profitable years in a row build equity to €276k.
05-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Liquidity triplescurrent ratio 2.98
Current ratio from 1.05 to 2.98.
25-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Equity above €100kEq €102k ▲61.5%
2 profitable years in a row build equity to €102k.
13-01
NBB filing
Annual accounts filed
fiscal year 2020 · 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, Gent · 1 establishment unit since 2017
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.
Adolf Baeyensstraat 639040 GentGround area
763 m²
Building footprint
90 m²
Volume, LiDAR
914 m³
Parcel 44432C1001/00R003, Flanders · tallest building 15.3 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
P2P PIC
since 20172.261.974.672
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44432C1001/00R003 | Flanders | 762 m² | 1 · 90 m² | 15.3 m · 4 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.
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Of 24,420 companies in sector 82990 we hold annual accounts for 9,359. 4,210 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-02-2017
Fiscal year end30-06
Activities, NACEBEL
82990Other business support services
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.