Credit risk
Bankruptcy probability (12 mo)
Credit advice
verdict per amount and termTimeline
What happened to this company, by date
fiscal year 2026 expected by 31-07-2027
2026
20-08-2026 NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2025
04-08-2025 NBB filing Annual accounts filed
fiscal year 2024 · full schema
2024
29-07-2024 NBB filing Annual accounts filed
fiscal year 2023 · micro schema
Financials
TurnoverNot included in this filing
EBIT marginNot included in this filing
Net result€100k+324.9%
2023: €18k
2024: €24k
Working capital€117k+738.3%
2023: €-6k
2024: €14k
Figures by fiscal year
fiscal year 2025 · micro schemaSector comparison
Fiscal year 2025 · NACE 70, Activities of head offices; management consultancy activities · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 67.7% | 55.4% | |
| Net result | €100k | €38k | |
| Equity | €147k | €64k | |
| Gross operating margin | €45k | €61k | |
| Total assets | €217k | €146k |
Sector position over time
Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).
P61
Improving position over 2023-2025
· n=4760-12490
P85
Improving position over 2023-2025
· n=4760-12492
P74
Improving position over 2023-2025
· n=4761-12498
P39
Stable position over 2023-2025
· n=4753-12477
€44k
+9.6%
23-25
€109k
+255.3%
23-25
€217k
+109.6%
23-25
€147k
+212.9%
23-25
€8k
+9.8%
23-25
€70k
+23.8%
23-25
€70k
+23.8%
23-25
2.68
+114.8%
23-25
2.68
+114.8%
23-25
67.7%
+49.3%
23-25
0.48
-60.5%
23-25
68.0%
+35.8%
23-25
46.1%
+102.8%
23-25
29.18
+64.0%
23-25
Figures by fiscal year and ratios
| Fiscal year | 2025 |
|---|---|
| Deposit | micro schema |
| Revenue | - |
| EBITDA | €44k |
| Net profit | €100k |
| Cash flow | €109k |
| Staff costs | - |
| Income taxes | €8k |
| Dividends | - |
| Total assets | €217k |
| Equity | €147k |
| Debt | €70k |
| of which ≤ 1y | €70k |
| of which > 1y | - |
| Working capital | €117k |
| Employees (FTE) | - |
Ratios (computed)
| 2025 | |
|---|---|
| Current ratio | 2.68 |
| Quick ratio | 2.68 |
| Working capital ratio | 54.2% |
| Solvency | 67.7% |
| Debt / equity | 0.48 |
| Long-term debt ratio | - |
| Interest coverage | 29.18 |
| Gross margin | - |
| Net margin | - |
| ROA | 46.1% |
| ROE | 68.0% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
This table shows the latest fiscal year. 2 prior years, with figures and ratios, belong to a paid plan.
See plans →
Balance-sheet composition 2025
Full annual accounts (22 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €217k |
| Fixed assets | 21/28 | €29k |
| Tangible fixed assets | 22/27 | €29k |
| Financial fixed assets | 28 | €0 |
| Current assets | 29/58 | €187k |
| Amounts receivable within one year | 40/41 | €25k |
| Cash & bank | 54/58 | €157k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €217k |
| Equity | 10/15 | €147k |
| Contributions / capital | 10/11 | €5k |
| Accumulated profits (losses) | 14 | €142k |
| Amounts payable | 17/49 | €70k |
| Amounts payable within one year | 42/48 | €70k |
| Trade debts payable within one year | 44 | €12k |
| Income statement | ||
| Gross operating margin | 9900 | €45k |
| Operating result | 9901 | €34k |
| Financial income | 75 | €75k |
| Financial charges | 65 | €2k |
| Result before taxes | 9903 | €108k |
| Income taxes | 67/77 | €8k |
| Net result for the period | 9904 | €100k |
| Result to be appropriated | 9905 | €100k |
Signals
1 signal
Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 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.
No strikeouts found in the KBO publications · how complete this is
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Filing history by fiscal year and how the deadline is computed
Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 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.
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.
How we compute the deadline
The year end is derived from 3 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2025, that is 31-07-2026.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | 20-08-2026 | 20 d late | 2026-00413930 |
| 31-12-2024 | 31-07-2025 | 04-08-2025 | 4 d late | 2025-00359049 |
| 31-12-2023 | 31-07-2024 | 29-07-2024 | 2 d early | 2024-00297436 |
Source: the National Bank's deposit records, as we have ingested them. NOTE: our copy has a gap across June to August 2026, missing roughly 220,000 deposits; for July we hold 15,605 of about 137,000 expected. A year whose deadline falls in that window shows as not confirmed, not as not filed. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Locations & real estate
Registered office
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.
Neupré 64831 LimbourgEstablishment units
1 locationPLUM CONCEPT
since 20232.343.333.918
Parcels1
Ground area1,991 m²
Buildings1
Building footprint229 m²
Volume (LiDAR)1,330 m³
Tallest building7.7 m · ±2 fl.
Real-estate footprint
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63009B0204/00H000 | Wallonia | 1,991 m² | 1 · 229 m² | 7.7 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.
Similar
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How this selection is made
We hold annual accounts for 50,889 of the 82,341 companies in this sector. 39,911 of them are within a factor 10 of this company's equity.
Company registry
Company registry (CBE)
Crossroads BankActivities
Business and other management consultancy70200Business consulting70220