POINTER
ActivePOINTER has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €313k and a net result of €55k. Equity is growing by ~5% per year across the filed fiscal years. Its solvency ranks better than 74% of 16942 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
91
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability86▼-10
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 4.93 against 4.15 in 2024; short-term debt: 19.7% and cash: 32.2% of total assets), and 19.7% 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 62
Relative position
BE, all sectors
reference
Sector 62
lower
← 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
80.3%
Return on assets
14%
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 15-04-2026, 15 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
15 d early
2024
51 d early
2023
19 d early
2022
24 d early
2021
73 d early
2020
70 d early
2019
50 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
16-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€313k▲ 4.8%
2024 · €299k
2018: €216k
2019: €249k
2020: €289k
2021: €290k
2022: €319k
2023: €340k
2024: €299k
2018 → 2025
Total assets
€390k▲ 0.6%
2024 · €388k
2018: €260k
2019: €304k
2020: €322k
2021: €350k
2022: €408k
2023: €423k
2024: €388k
2018 → 2025
Net result
€55k▼ 36.7%
2024 · €86k
2018: €21k
2019: €32k
2020: €40k
2021: €39k
2022: €74k
2023: €51k
2024: €86k
2018 → 2025
Working capital
€302k▲ 7.9%
2024 · €280k
2018: €132k
2019: €178k
2020: €229k
2021: €237k
2022: €268k
2023: €307k
2024: €280k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€290k-€319k▲ 9.9%€340k▲ 6.6%€299k▼ 12.1%€313k▲ 4.8%
Operating result€55k-€98k▲ 76.8%€68k▼ 30.4%€106k▲ 55.0%€65k▼ 38.3%
Net result€39k-€74k▲ 89.6%€51k▼ 30.9%€86k▲ 69.2%€55k▼ 36.7%
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 38% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €390k
Fixed assets
€12k▼ 40.1%
Current assets
€379k▲ 2.7%
Equity and liabilities €390k
Equity
€313k▲ 4.8%
Debt
€77k▼ 13.4%
The debt ratio falls from 22.9% to 19.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€74k▼
2024 · €114k
Cash flow
€63k▼
2024 · €95k
Solvency
80.3%▲
2024 · 77.1%
Current ratio
4.93▲
2024 · 4.15
Quick ratio
4.93▲
2024 · 4.15
Debt / equity
0.25▼
2024 · 0.30
ROE
17.4%▼
2024 · 28.8%
ROA
14.0%▼
2024 · 22.2%
Interest coverage
325.67▲
2024 · 180.74
Debt
€77k▼
2024 · €89k
Debt ≤ 1 year
€77k▼
2024 · €89k
Income taxes
€21k▼
2024 · €28k
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€388k€390k▲
Fixed assets21/28€19k€12k▼
Tangible fixed assets22/27€19k€12k▼
Land and buildings22€2k€764▼
Plant, machinery and equipment23€1k€2k▲
Furniture and vehicles24€16k€9k▼
Current assets29/58€369k€379k▲
Amounts receivable after more than one year29€158k€144k▼
Trade receivables290€158k€144k▼
Amounts receivable within one year40/41€23k€36k▲
Trade receivables40€20k€31k▲
Other amounts receivable41€2k€5k▲
Current investments50/53€82k€72k▼
Cash at bank and in hand54/58€105k€126k▲
Deferred charges and accrued income490/1€511€916▲
Equity and liabilities
Total equity and liabilities10/49€388k€390k▲
Equity10/15€299k€313k▲
Contributions10/11€12k€12k=
Reserves13€287k€301k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€28k€28k=
Distributable reserves133€257k€271k▲
Amounts payable17/49€89k€77k▼
Amounts payable within one year42/48€89k€77k▼
Trade debts44€4k€1k▼
Suppliers440/4€4k€1k▼
Taxes, remuneration and social security45€6k€4k▼
Taxes450/3€6k€4k▼
Other amounts payable47/48€79k€72k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€9k▲
Other operating charges640/8€1k€746▼
Gross operating margin9900€116k€75k▼
Operating profit (loss)9901€106k€65k▼
Financial income75/76B€9k€11k▲
Recurring financial income75€9k€11k▲
Financial charges65/66B€633€227▼
Recurring financial charges65€633€227▼
Profit (loss) for the period before taxes9903€114k€76k▼
Income taxes67/77€28k€21k▼
Profit (loss) for the period9904€86k€55k▼
Profit (loss) for the period to be appropriated9905€86k€55k▼
Appropriation of the result
Profit (loss) to be appropriated9906€86k€55k▼
Transfer from equity791/2€118k€40k▼
Transfer to equity691/2€77k€55k▼
To other reserves6921€77k€55k▼
Profit to be distributed694/7€127k€40k▼
Return on contributions (dividend)694€118k€40k▼
Directors or managers695€9k-
The notes to these accounts (5 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
15-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
10-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Highest result since 2018net €86k ▲69.2%
Operating result €106k, net result €86k, both a record.
11-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
06-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
16-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
19-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
11-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
11-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-03
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
1 act for this company is 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, Merelbeke-Melle · 1 establishment unit since 1999
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.
Berkenhof 69820 Merelbeke-MelleGround area
1,125 m²
Building footprint
177 m²
Volume, LiDAR
900 m³
Parcel 44412B0579/00K000, Flanders · tallest building 7.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Berkenhof 6, 9820 Merelbeke-Melle
since 19992.090.790.854
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44412B0579/00K000 | Flanders | 1,125 m² | 1 · 177 m² | 7.5 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.
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Of 3,211 companies in sector 62900 we hold annual accounts for 1,741. 1,237 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-02-1999
Fiscal year end30-09
Activities, NACEBEL
62900Other information technology and computer services
72600
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.