POSIWISE
ActivePOSIWISE has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €190k and a net result of €90k. Equity is growing by ~46.7% per year across the filed fiscal years. Its solvency ranks better than 67% of 2262 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+4
Solvency87▲+19
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity ample (current ratio 2.62 against 1.76 in 2024; short-term debt: 38.2% and cash: 89.1% of total assets), and 38.2% 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 82
Relative position
BE, all sectors
reference
Sector 82
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
61.8%
Return on assets
29.4%
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 · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
31 d late
2023
31 d late
2022
31 d late
2021
31 d late
2020
31 d late
2019
91 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€90k▲ 68.2%
2024 · €54k
2018: €-5k
2019: €-942
2020: €15k
2021: €39k
2022: €55k
2023: €45k
2024: €54k
2018 → 2025
Working capital
€190k▲ 92.1%
2024 · €99k
2018: €13k
2019: €12k
2020: €24k
2021: €65k
2022: €41k
2023: €147k
2024: €99k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€66k-€41k▼ 38.2%€49k▲ 19.7%€100k▲ 104%€190k▲ 90.6%
Operating result€51k-€73k▲ 44.6%€62k▼ 15.3%€73k▲ 17.0%€114k▲ 56.7%
Net result€39k-€55k▲ 40.7%€45k▼ 17.9%€54k▲ 19.1%€90k▲ 68.2%
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 57% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €307k
Fixed assets
€79▼ 90.3%
Current assets
€307k▲ 34.0%
Equity and liabilities €307k
Equity
€190k▲ 90.6%
Debt
€117k▼ 10.0%
The debt ratio falls from 56.7% to 38.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€115k▲
2024 · €74k
Cash flow
€91k▲
2024 · €54k
Solvency
61.8%▲
2024 · 43.3%
Current ratio
2.62▲
2024 · 1.76
Quick ratio
2.62▲
2024 · 1.76
Debt / equity
0.62▼
2024 · 1.31
ROE
47.5%▼
2024 · 53.9%
ROA
29.4%▲
2024 · 23.3%
Debt
€117k▼
2024 · €130k
Debt ≤ 1 year
€117k▼
2024 · €130k
Income taxes
€26k▲
2024 · €21k
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€230k€307k▲
Fixed assets21/28€816€79▼
Tangible fixed assets22/27€737€0▼
Furniture and vehicles24€737€0▼
Financial fixed assets28€79€79=
Current assets29/58€229k€307k▲
Amounts receivable within one year40/41€33k€33k▲
Trade receivables40€31k€31k▲
Other amounts receivable41€2k€2k=
Cash at bank and in hand54/58€196k€273k▲
Equity and liabilities
Total equity and liabilities10/49€230k€307k▲
Equity10/15€100k€190k▲
Contributions10/11€19k€19k=
Capital10€19k€19k=
Issued capital100€19k€19k=
Reserves13€27k€52k▲
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Distributable reserves133€25k€50k▲
Profit (loss) carried forward14€54k€119k▲
Amounts payable17/49€130k€117k▼
Amounts payable within one year42/48€130k€117k▼
Trade debts44€3k€3k▼
Suppliers440/4€3k€3k▼
Taxes, remuneration and social security45€27k€15k▼
Taxes450/3€27k€15k▼
Other amounts payable47/48€100k€100k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€736€736=
Other operating charges640/8€387€400▲
Non-recurring operating charges66A€40-
Gross operating margin9900€74k€115k▲
Operating profit (loss)9901€73k€114k▲
Financial income75/76B€2k€2k▲
Recurring financial income75€2k€2k▲
Profit (loss) for the period before taxes9903€74k€116k▲
Income taxes67/77€21k€26k▲
Profit (loss) for the period9904€54k€90k▲
Profit (loss) for the period to be appropriated9905€54k€90k▲
Appropriation of the result
Profit (loss) to be appropriated9906€82k€144k▲
Profit (loss) brought forward from the previous period14P€28k€54k▲
Transfer to equity691/2€28k€25k▼
To other reserves6921€28k€25k▼
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Highest result since 2018net €90k ▲68.2%
Operating result €114k, net result €90k, both a record.
31-12
Financial
Equity above €150kEq €190k ▲90.6%
6 profitable years in a row build equity to €190k.
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
31-12
Financial
Liquidity times 5current ratio 7.05
Current ratio from 1.33 to 7.05; short-term debt falls from €122k to €24k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 31 days late
2021
31-12
Financial
Liquidity doublescurrent ratio 5.30
Current ratio from 2.39 to 5.30; short-term debt falls from €18k to €15k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Back to profitnet €15k
Net result €15k after 2 loss-making years.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
31-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 153 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Brussel · 1 establishment unit since 2014
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.
Zwaluwenstraat 151000 BrusselGround area
1,501 m²
Building footprint
254 m²
Volume, LiDAR
4,600 m³
Parcel 21812N0794/00D000, Brussels · tallest building 20.5 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
Zwaluwenstraat 15, 1000 Brussel
since 20142.230.216.476
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21812N0794/00D000 | Brussels | 1,501 m² | 1 · 254 m² | 20.5 m · 6 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
254900JZKY2PWB8B6V19
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Of 24,505 companies in sector 82990 we hold annual accounts for 9,396. 6,955 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-04-2014
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 12 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.
Contact details
2 entriesE-mail:enrico.tam@posiwise.com
Phone:0484/16.31.70