PAYROLL & MORE
ActivePAYROLL & MORE has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €47k and a net result of €28k. Equity is shrinking by ~3% per year across the filed fiscal years. Its solvency ranks better than 89% of 7723 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
96
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity ample (current ratio 10.93 against 9.01 in 2024; short-term debt: 8.1% and cash: 53.5% of total assets), and 10.3% 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
89.7%
Return on assets
54.1%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 17-12-2025, 134 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
134 d early
2024
30 d early
2023
20 d early
2022
25 d early
2021
4 d early
2020
4 d early
2019
23 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
20-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€47k▼ 18.0%
2024 · €57k
2018: €76k
2019: €105k
2020: €20k
2021: €20k
2022: €35k
2023: €56k
2024: €57k
2018 → 2025
Total assets
€52k▼ 19.6%
2024 · €65k
2018: €82k
2019: €108k
2020: €128k
2021: €104k
2022: €59k
2023: €60k
2024: €65k
2018 → 2025
Net result
€28k▼ 22.9%
2024 · €37k
2018: €29k
2019: €30k
2020: €17k
2021: €24k
2022: €16k
2023: €20k
2024: €37k
2018 → 2025
Working capital
€42k▼ 26.1%
2024 · €57k
2018: €76k
2019: €105k
2020: €15k
2021: €20k
2022: €33k
2023: €55k
2024: €57k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€20k-€35k▲ 71.7%€56k▲ 58.1%€57k▲ 3.0%€47k▼ 18.0%
Operating result€32k-€23k▼ 29.7%€29k▲ 28.5%€51k▲ 74.2%€40k▼ 21.7%
Net result€24k-€16k▼ 32.1%€20k▲ 25.5%€37k▲ 80.0%€28k▼ 22.9%
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 22% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €52k
Fixed assets
€6k▲ 603%
Current assets
€46k▼ 27.6%
Equity and liabilities €52k
Equity
€47k▼ 18.0%
Debt
€5k▼ 31.2%
The debt ratio falls from 12.1% to 10.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
€41k▼
2024 · €51k
Cash flow
€30k▼
2024 · €37k
Solvency
89.7%▲
2024 · 87.9%
Current ratio
10.93▲
2024 · 9.01
Quick ratio
10.93▲
2024 · 9.01
Debt / equity
0.12▼
2024 · 0.14
ROE
60.4%▼
2024 · 64.3%
ROA
54.1%▼
2024 · 56.5%
Interest coverage
31.57▼
2024 · 54.13
Debt
€5k▼
2024 · €8k
Debt ≤ 1 year
€4k▼
2024 · €7k
Income taxes
€10k▼
2024 · €13k
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€65k€52k▼
Fixed assets21/28€833€6k▲
Tangible fixed assets22/27€833€6k▲
Furniture and vehicles24-€5k
Other tangible fixed assets26€833€447▼
Current assets29/58€64k€46k▼
Amounts receivable within one year40/41€12k€17k▲
Trade receivables40€11k€17k▲
Other amounts receivable41€139€0▼
Cash at bank and in hand54/58€52k€28k▼
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€65k€52k▼
Equity10/15€57k€47k▼
Contributions10/11€19k€19k=
Reserves13€39k€28k▼
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€39k€28k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€8k€5k▼
Amounts payable within one year42/48€7k€4k▼
Trade debts44€625€0▼
Suppliers440/4€625€0▼
Taxes, remuneration and social security45€574€2k▲
Taxes450/3€574€2k▲
Other amounts payable47/48€6k€2k▼
Accrued charges and deferred income492/3€724€1k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€386€2k▲
Other operating charges640/8€725€739▲
Gross operating margin9900€52k€42k▼
Operating profit (loss)9901€51k€40k▼
Financial charges65/66B€948€1k▲
Recurring financial charges65€948€1k▲
Profit (loss) for the period before taxes9903€50k€39k▼
Income taxes67/77€13k€10k▼
Profit (loss) for the period9904€37k€28k▼
Profit (loss) for the period to be appropriated9905€37k€28k▼
Appropriation of the result
Profit (loss) to be appropriated9906€37k€28k▼
Transfer from equity791/2€35k€39k▲
Transfer to equity691/2€37k€28k▼
To other reserves6921€37k€28k▼
Profit to be distributed694/7€35k€39k▲
Return on contributions (dividend)694€35k€39k▲
The notes to these accounts (6 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
2025
17-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Highest result since 2018net €37k ▲80%
Operating result €51k, net result €37k, both a record.
10-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Liquidity times 7current ratio 16.38
Current ratio from 2.38 to 16.38; short-term debt falls from €24k to €4k.
05-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Weakest financial yearnet €16k ▼32.1%
Net result drops to €16k, the lowest in the series; recovery starts the following year.
26-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
26-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
07-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Liquidity doublescurrent ratio 36.51
Current ratio from 15.19 to 36.51; short-term debt falls from €5k to €3k.
30-09
Financial
Equity above €100kEq €105k ▲38%
2 profitable years in a row build equity to €105k.
29-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
04-04
NBB filing
Annual accounts filed
fiscal year 2017 · 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, Kruisem · 1 establishment unit since 2016
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.
Veldstraat 489750 KruisemGround area
737 m²
Building footprint
141 m²
Volume, LiDAR
812 m³
Parcel 45057B0619/00P000, Flanders · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Payroll & More
since 20162.258.489.206
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45057B0619/00P000 | Flanders | 737 m² | 1 · 141 m² | 8.3 m · 2 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.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 555 EUR awarded · 555 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 555 EUR | 555 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 24,503 companies in sector 82990 we hold annual accounts for 9,402. 6,870 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-11-2016
Fiscal year end30-09
Activities, NACEBEL
82990Other business support services
74201Photography, excluding press photography
90201Performing arts by independent artists
Sources
Crossroads Bank for EnterprisesNational Bank · 9 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.