PERSONALITY@POWER
ActivePERSONALITY@POWER has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €195k and a net result of €21k. Equity is growing by ~32.8% per year across the filed fiscal years. Its solvency ranks better than 75% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
86
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▲+43
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity ample (current ratio 4.68 against 5.35 in 2024; short-term debt: 20.8% and cash: 16.4% of total assets), and 20.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 70
Relative position
BE, all sectors
reference
Sector 70
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
79.2%
Return on assets
8.5%
Age of the figures
9 mo
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
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
28 d late
2024
9 d early
2023
9 d early
2022
21 d early
2021
61 d late
2020
11 d early
2019
49 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, micro schema
Equity
€195k▲ 5.9%
2024 · €185k
2018: €28k
2019: €39k
2020: €46k
2021: €51k
2022: €65k
2023: €184k
2024: €185k
2018 → 2025
Total assets
€247k▲ 9.7%
2024 · €225k
2018: €68k
2019: €70k
2020: €104k
2021: €83k
2022: €119k
2023: €244k
2024: €225k
2018 → 2025
Net result
€21k▲ 2,471%
2024 · €813
2018: €-7k
2019: €20k
2020: €27k
2021: €7k
2022: €14k
2023: €129k
2024: €813
2018 → 2025
Working capital
€189k▲ 7.8%
2024 · €176k
2018: €28k
2019: €30k
2020: €31k
2021: €39k
2022: €49k
2023: €175k
2024: €176k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€51k-€65k▲ 27.8%€184k▲ 182%€185k▲ 0.4%€195k▲ 5.9%
Operating result€12k-€26k▲ 122%€18k▼ 32.7%€10k▼ 45.7%€32k▲ 230%
Net result€7k-€14k▲ 92.7%€129k▲ 807%€813▼ 99.4%€21k▲ 2,471%
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 recovers in 2025; 2025 is 230% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €247k
Fixed assets
€6k▼ 30.1%
Current assets
€240k▲ 11.4%
Equity and liabilities €247k
Equity
€195k▲ 5.9%
Debt
€51k▲ 27.1%
The debt ratio rises from 18.0% to 20.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€34k▲
2024 · €13k
Cash flow
€24k▲
2024 · €4k
Solvency
79.2%▼
2024 · 82.0%
Current ratio
4.68▼
2024 · 5.35
Quick ratio
4.68▼
2024 · 5.35
Debt / equity
0.26▲
2024 · 0.22
ROE
10.7%▲
2024 · 0.4%
ROA
8.5%▲
2024 · 0.4%
Interest coverage
7.97▲
2024 · 2.07
Debt
€51k▲
2024 · €40k
Debt ≤ 1 year
€51k▲
2024 · €40k
Income taxes
€10k▲
2024 · €5k
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€225k€247k▲
Fixed assets21/28€9k€6k▼
Tangible fixed assets22/27€9k€6k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€821€0▼
Other tangible fixed assets26€6k€5k▼
Current assets29/58€216k€240k▲
Amounts receivable within one year40/41€32k€27k▼
Trade receivables40€18k€19k▲
Other amounts receivable41€14k€8k▼
Current investments50/53€135k€160k▲
Cash at bank and in hand54/58€30k€41k▲
Deferred charges and accrued income490/1€19k€12k▼
Equity and liabilities
Total equity and liabilities10/49€225k€247k▲
Equity10/15€185k€195k▲
Contributions10/11€20k€20k=
Reserves13€165k€175k▲
Distributable reserves133€165k€175k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€40k€51k▲
Amounts payable within one year42/48€40k€51k▲
Current portion of amounts payable after more than one year42€9k€9k▼
Financial debts43€983€209▼
Credit institutions430/8€983€209▼
Trade debts44€10k€9k▼
Suppliers440/4€10k€9k▼
Taxes, remuneration and social security45€17k€23k▲
Taxes450/3€14k€20k▲
Remuneration and social security454/9€3k€3k=
Other amounts payable47/48€3k€10k▲
Accrued charges and deferred income492/3€48€33▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€529€0▼
Other operating charges640/8€3k€1k▼
Gross operating margin9900€16k€35k▲
Operating profit (loss)9901€10k€32k▲
Financial income75/76B€2k€4k▲
Recurring financial income75€2k€4k▲
Financial charges65/66B€6k€4k▼
Recurring financial charges65€6k€4k▼
Profit (loss) for the period before taxes9903€5k€31k▲
Income taxes67/77€5k€10k▲
Profit (loss) for the period9904€813€21k▲
Profit (loss) for the period to be appropriated9905€813€21k▲
Appropriation of the result
Profit (loss) to be appropriated9906€813€21k▲
Transfer from equity791/2€0€10k▲
Transfer to equity691/2€813€21k▲
To other reserves6921€813€21k▲
Profit to be distributed694/7€0€10k▲
Return on contributions (dividend)694€0€10k▲
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
2026
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2018net €129k ▲807%
Net result €129k, the highest in the series.
31-12
Financial
Liquidity doublescurrent ratio 4.02
Current ratio from 1.95 to 4.02.
31-12
Financial
Equity above €150kEq €184k ▲182%
5 profitable years in a row build equity to €184k.
10-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 61 days late
2021
20-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
18-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 49 days late
2019
31-12
Financial
Back to profitnet €20k
Net result €20k after one loss-making year.
02-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 2 days late
2018
25-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
27-06
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
3 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, Kapellen · 1 establishment unit since 2013
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.
Vloeiende 5B2950 KapellenGround area
5,390 m²
Building footprint
175 m²
Volume, LiDAR
985 m³
Parcel 11362H0602/00X000, Flanders · tallest building 16.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Personality@Power
since 20132.223.605.828
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11362H0602/00X000 | Flanders | 5,390 m² | 1 · 175 m² | 16.4 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.
Recognitions · licences · registrations
Legal Entity Identifier
699400MTJWYVBXMHZZ81
Similar companies · same sector, comparable size
NOP
BE 0441.892.705
Kasterlee · Eq €195k
Charpentier Consulting
BE 0781.691.821
Waterloo · Eq €195k
QUIETUDES
BE 0645.598.742
Yvoir · Eq €195k
KLEPIERRE MANAGEMENT BELGIQUE
BE 0649.972.749
Ottignies-Louvain-la-Neuve · Eq €196k
Just Q
BE 0685.755.455
Soignies · Eq €195k
Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 40,129 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-10-2013
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
64200Holdings
64210Activities of holding companies
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
82300Organisation of conventions and trade shows
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.