POINT FINAL
ActivePOINT FINAL has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €60k and a net result of €7k. Equity is growing by ~28.7% per year across the filed fiscal years. Its solvency ranks better than 50% of 27319 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
61
/ 100
Healthy▼ -3 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability60▼-40
Solvency69▲+14
Growth52▼-26
Stability100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity short (current ratio 0.98 against 0.33 in 2024), and 53.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
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
46.9%
Return on assets
5.7%
Age of the figures
8 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-05-2026, 85 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
85 d early
2024
45 d early
2023
74 d early
2022
72 d early
2021
34 d early
2020
31 d early
2019
49 d early
← 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€60k▲ 13.7%
2024 · €53k
2018: €2k
2019: €14k
2020: €26k
2021: €27k
2022: €31k
2023: €39k
2024: €53k
2018 → 2025
Total assets
€128k▲ 5.3%
2024 · €121k
2018: €278k
2019: €197k
2020: €132k
2021: €105k
2022: €204k
2023: €123k
2024: €121k
2018 → 2025
Net result
€7k▼ 47.5%
2024 · €14k
2018: €10k
2019: €12k
2020: €12k
2021: €830
2022: €5k
2023: €8k
2024: €14k
2018 → 2025
Working capital
€-1k▲ 95.6%
2024 · €-25k
2018: €-76k
2019: €-82k
2020: €-68k
2021: €-62k
2022: €2k
2023: €-26k
2024: €-25k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€27k-€31k▲ 17.6%€39k▲ 24.4%€53k▲ 35.5%€60k▲ 13.7%
Operating result€5k-€11k▲ 117%€17k▲ 52.8%€22k▲ 32.8%€14k▼ 35.8%
Net result€830-€5k▲ 463%€8k▲ 63.0%€14k▲ 81.3%€7k▼ 47.5%
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 falls in 2025; 2025 is 36% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €128k
Fixed assets
€83k▼ 23.5%
Current assets
€45k▲ 256%
Equity and liabilities €128k
Equity
€60k▲ 13.7%
Debt
€68k▼ 1.2%
The debt ratio falls from 56.6% to 53.1%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€40k▼
2024 · €44k
Cash flow
€33k▼
2024 · €36k
Solvency
46.9%▲
2024 · 43.4%
Current ratio
0.98▲
2024 · 0.33
Quick ratio
0.98▲
2024 · 0.33
Debt / equity
1.13▼
2024 · 1.30
ROE
12.1%▼
2024 · 26.2%
ROA
5.7%▼
2024 · 11.4%
Interest coverage
11.98▲
2024 · 10.56
Debt
€68k▼
2024 · €69k
Debt ≤ 1 year
€46k▲
2024 · €38k
Debt > 1 year
€22k▼
2024 · €31k
Income taxes
€4k▼
2024 · €4k
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€121k€128k▲
Fixed assets21/28€109k€83k▼
Tangible fixed assets22/27€109k€83k▼
Land and buildings22€56k€47k▼
Furniture and vehicles24€53k€36k▼
Current assets29/58€13k€45k▲
Amounts receivable within one year40/41€1k€6k▲
Trade receivables40€559€6k▲
Other amounts receivable41€871€0▼
Current investments50/53€5k€6k▲
Cash at bank and in hand54/58€5k€32k▲
Deferred charges and accrued income490/1€850€230▼
Equity and liabilities
Total equity and liabilities10/49€121k€128k▲
Equity10/15€53k€60k▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€13k€13k=
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Tax-exempt reserves132€5k€5k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€-23k€-16k▲
Amounts payable17/49€69k€68k▼
Amounts payable after more than one year17€31k€22k▼
Financial debts170/4€31k€22k▼
Amounts payable within one year42/48€38k€46k▲
Current portion of amounts payable after more than one year42€11k€9k▼
Financial debts43€10k€0▼
Credit institutions430/8€10k€0▼
Trade debts44€17k€31k▲
Suppliers440/4€17k€31k▲
Taxes, remuneration and social security45€171€5k▲
Taxes450/3€171€5k▲
Other amounts payable47/48-€549
Accrued charges and deferred income492/3-€323
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€26k▲
Other operating charges640/8€2k€2k▼
Gross operating margin9900€46k€41k▼
Operating profit (loss)9901€22k€14k▼
Financial income75/76B€374€33▼
Recurring financial income75€374€33▼
Financial charges65/66B€4k€3k▼
Recurring financial charges65€4k€3k▼
Profit (loss) for the period before taxes9903€18k€11k▼
Income taxes67/77€4k€4k▼
Profit (loss) for the period9904€14k€7k▼
Profit (loss) for the period to be appropriated9905€14k€7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-23k€-16k▲
Profit (loss) brought forward from the previous period14P€-37k€-23k▲
Social balance
Average headcount (FTE)90870.0-
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
07-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
16-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €14k ▲81.3%
Net result €14k, the highest in the series.
18-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
20-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity times 5current ratio 1.01
Current ratio from 0.20 to 1.01.
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €830 ▼93.1%
Net result drops to €830, the lowest in the series; recovery starts the following year.
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
12-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
19-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
16-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
under verification, no change since 2023
This board is reconstructed from a single act (23476389). A Gazette act generally publishes only CHANGES, not a full roll call, so directors unchanged since then may be missing here. The KBO register holds the complete list of function holders.
UYTTERSCHAUT Eddy
CurrentDirector · since 27-12-2023
UYTTERSCHAUT Lode
CurrentDirector · since 27-12-2023
UYTTERSCHAUT Pieter
CurrentDirector · since 27-12-2023
27-12-2023
UYTTERSCHAUT Eddy: Appointed as Director
27-12-2023
UYTTERSCHAUT Eddy: Appointed as Managing director
27-12-2023
UYTTERSCHAUT Lode: Appointed as Director
27-12-2023
UYTTERSCHAUT Pieter: Appointed as Director
Location & real-estate footprint
Registered office, Deinze · 1 establishment unit since 2002
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.
Georges Martensstraat 99800 DeinzeGround area
847 m²
Building footprint
512 m²
Volume, LiDAR
6,394 m³
Parcel 44011B0398/00X005, Flanders · tallest building 14.9 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Georges Martensstraat 9, 9800 Deinze
since 20022.103.106.884
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44011B0398/00X005 | Flanders | 847 m² | 1 · 512 m² | 14.9 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.
Similar companies · same sector, comparable size
SL Protect
BE 0764.397.711
Wielsbeke · Eq €60k
YAVUZ
BE 0650.874.552
Gent · Eq €60k
POLY-BETON GEUENS
BE 0550.665.238
Hasselt · Eq €60k
Luxthermic
BE 0799.572.681
Arlon · Eq €60k
INNIDO
BE 0677.925.377
Dilbeek · Eq €60k
Of 7,248 companies in sector 43350 we hold annual accounts for 2,333. 1,977 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded15-12-1997
Fiscal year end31-12
Activities, NACEBEL
43350Other building finishing work
64200Holdings
64210Activities of holding companies
74151
Sources
Crossroads Bank for EnterprisesNational Bank · 28 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.