Policy Lab
ActivePolicy Lab has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €117k and a net result of €59k. Its solvency ranks better than 79% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
94
/ 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=
Growth78
Track record82
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days only on tighter terms
Liquidity ample (current ratio 5.51 against 6.56 in 2024; short-term debt: 17.2% and cash: 83.6% of total assets), and 17.6% 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
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 →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established 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
82.4%
Return on assets
41.4%
Age of the figures
9 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 20-07-2026, 11 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
11 d early
2024
37 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€117k▲ 101%
2024 · €58k
2024: €58k
2024 → 2025
Total assets
€142k▲ 115%
2024 · €66k
2024: €66k
2024 → 2025
Net result
€59k▲ 4.7%
2024 · €56k
2024: €56k
2024 → 2025
Working capital
€110k▲ 153%
2024 · €43k
2024: €43k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€58k-€117k▲ 101%
Operating result€74k-€75k▲ 0.9%
Net result€56k-€59k▲ 4.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 1% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €142k
Fixed assets
€7k▼ 49.0%
Current assets
€134k▲ 162%
Equity and liabilities €142k
Equity
€117k▲ 101%
Debt
€25k▲ 220%
The debt ratio rises from 11.9% to 17.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€82k▲
2024 · €82k
Cash flow
€66k▲
2024 · €64k
Solvency
82.4%▼
2024 · 88.1%
Current ratio
5.51▼
2024 · 6.56
Quick ratio
5.51▼
2024 · 6.56
Debt / equity
0.21▲
2024 · 0.13
ROE
50.3%▼
2024 · 96.6%
ROA
41.4%▼
2024 · 85.1%
Interest coverage
388.08▼
2024 · 1171.20
Debt
€25k▲
2024 · €8k
Debt ≤ 1 year
€24k▲
2024 · €8k
Income taxes
€16k▼
2024 · €18k
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€66k€142k▲
Fixed assets21/28€15k€7k▼
Tangible fixed assets22/27€15k€7k▼
Furniture and vehicles24€15k€7k▼
Current assets29/58€51k€134k▲
Amounts receivable within one year40/41€19k€14k▼
Trade receivables40€19k€14k▼
Other amounts receivable41€219€252▲
Cash at bank and in hand54/58€32k€118k▲
Deferred charges and accrued income490/1-€1k
Equity and liabilities
Total equity and liabilities10/49€66k€142k▲
Equity10/15€58k€117k▲
Contributions10/11€2k€2k=
Profit (loss) carried forward14€56k€115k▲
Amounts payable17/49€8k€25k▲
Amounts payable within one year42/48€8k€24k▲
Trade debts44€2k€17k▲
Suppliers440/4€2k€17k▲
Taxes, remuneration and social security45€5k€7k▲
Taxes450/3€5k€7k▲
Other amounts payable47/48-€36
Accrued charges and deferred income492/3-€600
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k▼
Other operating charges640/8€396€295▼
Non-recurring operating charges66A€63€359▲
Gross operating margin9900€82k€83k▲
Operating profit (loss)9901€74k€75k▲
Financial income75/76B€1€1▲
Recurring financial income75€1€1▲
Financial charges65/66B€70€211▲
Recurring financial charges65€70€211▲
Profit (loss) for the period before taxes9903€74k€75k▲
Income taxes67/77€18k€16k▼
Profit (loss) for the period9904€56k€59k▲
Profit (loss) for the period to be appropriated9905€56k€59k▲
Appropriation of the result
Profit (loss) to be appropriated9906€56k€115k▲
Profit (loss) brought forward from the previous period14P-€56k
The notes to these accounts (4 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
20-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €100kEq €117k ▲101%
2 profitable years in a row build equity to €117k.
24-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro 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, Blégny · 1 establishment unit since 2023
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.
Rue Thier du Ry 54671 BlégnyGround area
1,318 m²
Building footprint
273 m²
Volume, LiDAR
3,146 m³
2 parcels, Brussels, Wallonia · tallest building 23.4 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
Antoine Dansaertstraat 206, 1000 Brussel
since 20232.353.681.541
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62010A0227/00Y000 | Wallonia | 1,185 m² | 1 · 155 m² | 5.6 m · 1 fl. |
| 21811M0009/00F000 | Brussels | 133 m² | 1 · 118 m² | 23.4 m · 7 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
WIM BERTELS BEHEER
BE 0809.975.041
Zandhoven · Eq €117k
HEITOR
BE 0763.838.871
Oudenaarde · Eq €117k
Annaben
BE 0467.974.619
Schoten · Eq €117k
VABAS CONSULTING
BE 0802.580.374
Heusden-Zolder · Eq €117k
BLUESPARKS
BE 1003.425.804
Charleroi · Eq €117k
Of 82,570 companies in sector 70200 we hold annual accounts for 52,574. 40,826 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-12-2023
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.