Prelude
ActivePrelude has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €532k and a net result of €118k. Equity is growing by ~17.4% per year across the filed fiscal years. Its solvency ranks better than 32% of 2639 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
91
/ 100
Excellent▲ +30 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+94
Solvency62▲+23
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €50k at 30 days acceptable
Liquidity ample (current ratio 1.81 against 1.31 in 2024), but 74.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 62
Relative position
BE, all sectors
reference
Sector 62
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
25.3%
Return on assets
5.6%
Age of the figures
8 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 · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-07-2026, 22 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
22 d early
2024
16 d early
2023
9 d early
2022
19 d early
2021
61 d late
2020
30 d late
2019
2 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
09-09-2026 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
€118k▲ 2,211%
2024 · €5k
2018: €44k
2019: €9k
2020: €6k
2021: €60k
2022: €25k
2023: €82k
2024: €5k
2018 → 2025
Working capital
€688k▲ 132%
2024 · €297k
2018: €175k
2019: €198k
2020: €172k
2021: €268k
2022: €366k
2023: €444k
2024: €297k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€305k-€329k▲ 8.0%€411k▲ 24.7%€415k▲ 1.1%€532k▲ 28.1%
Operating result€100k-€68k▼ 31.6%€157k▲ 130%€70k▼ 55.4%€303k▲ 332%
Net result€60k-€25k▼ 58.5%€82k▲ 229%€5k▼ 93.8%€118k▲ 2,211%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 332% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.10M
Fixed assets
€566k▼ 7.6%
Current assets
€1.54M▲ 23.0%
Equity and liabilities €2.10M
Equity
€532k▲ 28.1%
Provisions
€318k▲ 343%
Debt
€1.26M▼ 9.4%
The debt ratio falls from 74.0% to 59.6%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€438k▲
2024 · €180k
Cash flow
€253k▲
2024 · €115k
Solvency
25.3%▲
2024 · 22.2%
Current ratio
1.81▲
2024 · 1.31
Quick ratio
1.53▲
2024 · 1.01
Debt / equity
2.36▼
2024 · 3.34
ROE
22.2%▲
2024 · 1.2%
ROA
5.6%▲
2024 · 0.3%
Interest coverage
18.71▲
2024 · 10.11
Debt
€1.26M▼
2024 · €1.39M
Debt ≤ 1 year
€851k▼
2024 · €954k
Debt > 1 year
€396k▼
2024 · €417k
Income taxes
€166k▲
2024 · €52k
Staff costs
€1.68M▲
2024 · €1.55M
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€1.87M€2.10M▲
Formation expenses20€8k€0▼
Fixed assets21/28€613k€566k▼
Intangible fixed assets21€14k€11k▼
Tangible fixed assets22/27€599k€555k▼
Land and buildings22€456k€419k▼
Plant, machinery and equipment23€651€240▼
Furniture and vehicles24€142k€136k▼
Financial fixed assets28€300€300=
Current assets29/58€1.25M€1.54M▲
Stocks and contracts in progress3€285k€238k▼
Stocks30/36€168k€104k▼
Contracts in progress37€117k€134k▲
Amounts receivable within one year40/41€673k€1.09M▲
Trade receivables40€616k€896k▲
Other amounts receivable41€57k€197k▲
Cash at bank and in hand54/58€189k€116k▼
Deferred charges and accrued income490/1€104k€92k▼
Equity and liabilities
Total equity and liabilities10/49€1.87M€2.10M▲
Equity10/15€415k€532k▲
Contributions10/11€107k€107k=
Reserves13€263k€347k▲
Tax-exempt reserves132€253k€337k▲
Distributable reserves133€11k€11k=
Profit (loss) carried forward14€24k€58k▲
Investment grants15€21k€19k▼
Provisions and deferred taxes16€72k€318k▲
Provisions for liabilities and charges160/5€72k€318k▲
Other liabilities and charges164/5€72k€318k▲
Amounts payable17/49€1.39M€1.26M▼
Amounts payable after more than one year17€417k€396k▼
Financial debts170/4€417k€396k▼
Amounts payable within one year42/48€954k€851k▼
Current portion of amounts payable after more than one year42€61k€77k▲
Financial debts43€8k€8k▼
Credit institutions430/8€8k€8k▼
Trade debts44€452k€329k▼
Suppliers440/4€452k€329k▼
Advances received on contracts in progress46€98k€86k▼
Taxes, remuneration and social security45€295k€330k▲
Taxes450/3€46k€99k▲
Remuneration and social security454/9€250k€231k▼
Other amounts payable47/48€40k€20k▼
Accrued charges and deferred income492/3€14k€9k▼
Income statement
Code20242025
Non-recurring operating income76A€2k€3k▲
Remuneration, social security and pensions62€1.55M€1.68M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€110k€135k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€12k€85k▲
Provisions for liabilities and charges: additions (uses and reversals)635/8€-33k€246k▲
Other operating charges640/8€32k€28k▼
Non-recurring operating charges66A€11k€2k▼
Gross operating margin9900€1.75M€2.48M▲
Operating profit (loss)9901€70k€303k▲
Financial income75/76B€5k€5k▲
Recurring financial income75€5k€5k▲
Financial charges65/66B€18k€23k▲
Recurring financial charges65€18k€23k▲
Non-recurring financial charges66B€0-
Profit (loss) for the period before taxes9903€57k€284k▲
Income taxes67/77€52k€166k▲
Profit (loss) for the period9904€5k€118k▲
Transfer to tax-exempt reserves689€168k€84k▼
Profit (loss) for the period to be appropriated9905€-163k€34k▲
Appropriation of the result
Profit (loss) to be appropriated9906€24k€58k▲
Profit (loss) brought forward from the previous period14P€188k€24k▼
Social balance
Average headcount (FTE)908725.825.3▼
The notes to these accounts (28 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
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €118k ▲2211%
Operating result €303k, net result €118k, both a record.
31-12
Financial
Equity above €500kEq €532k ▲28.1%
8 profitable years in a row build equity to €532k.
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Weakest financial yearnet €5k ▼93.8%
Net result drops to €5k, the lowest in the series; recovery starts the following year.
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
12-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 61 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 30 days late
2020
31-12
Financial
Equity above €200kEq €246k ▲25%
3 profitable years in a row build equity to €246k.
29-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
16-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 16 days late
2017
04-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2024
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
06-12-2024
Resigned as Director
Location & real-estate footprint
Registered office, Liège · 2 establishment units since 2011
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 Lonhienne 224000 LiègeGround area
1,898 m²
Building footprint
770 m²
Volume, LiDAR
11,451 m³
2 parcels, Wallonia · tallest building 20.9 m, ±6 floors. Linked by address, not a title deed.
2 establishment units
Prelude
since 20112.195.896.490
Rue Modeste Cornil 30, 6041 Charleroi
since 20242.377.207.308
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62813E0288/00V000 | Wallonia | 1,282 m² | 1 · 409 m² | 20.9 m · 6 fl. |
| 52028E0443/00R000 | Wallonia | 616 m² | 1 · 360 m² | 13.9 m · 3 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.
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Of 16,798 companies in sector 62100 we hold annual accounts for 8,744. 5,337 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-01-2011
Fiscal year end31-12
Activities, NACEBEL
62010Computer programming, consultancy and related activities
62100Computer programming
71121Engineering and related technical consultancy, excluding land surveyors
43211General electrical installation work
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 08-09-2026. Scores and ratios are computed by Checked and are not a credit decision.