PremiumStock
ActivePremiumStock has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €267k and a net result of €121k. Equity is growing by ~11.2% per year across the filed fiscal years. Its solvency ranks better than 61% of 10242 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
89
/ 100
Excellent▲ +5 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency90▲+9
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €24k at 30 days acceptable
Liquidity ample (current ratio 1.88 against 1.73 in 2024), but 52.2% 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+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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
47.8%
Return on assets
21.6%
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 27-05-2026, 65 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
65 d early
2024
50 d early
2023
37 d early
2022
8 d late
2021
29 d late
2020
31 d late
2019
38 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€267k▲ 29.4%
2024 · €206k
2018: €114k
2019: €116k
2020: €240k
2021: €124k
2022: €136k
2023: €165k
2024: €206k
2018 → 2025
Total assets
€558k▲ 16.5%
2024 · €479k
2018: €309k
2019: €442k
2020: €390k
2021: €714k
2022: €754k
2023: €494k
2024: €479k
2018 → 2025
Net result
€121k▲ 48.3%
2024 · €81k
2018: €92k
2019: €3k
2020: €85k
2021: €84k
2022: €36k
2023: €54k
2024: €81k
2018 → 2025
Working capital
€257k▲ 31.1%
2024 · €196k
2018: €110k
2019: €314k
2020: €229k
2021: €107k
2022: €123k
2023: €156k
2024: €196k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€124k-€136k▲ 8.9%€165k▲ 21.4%€206k▲ 25.1%€267k▲ 29.4%
Operating result€114k-€47k▼ 58.8%€79k▲ 69.4%€118k▲ 49.1%€168k▲ 41.8%
Net result€84k-€36k▼ 57.2%€54k▲ 49.9%€81k▲ 50.6%€121k▲ 48.3%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 42% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €558k
Fixed assets
€10k▼ 25.0%
Current assets
€548k▲ 17.7%
Equity and liabilities €558k
Equity
€267k▲ 29.4%
Debt
€291k▲ 6.7%
The debt ratio falls from 57.0% to 52.2%: equity grows faster than debt.
Key figures and ratios
EBITDA
€171k▲
2024 · €122k
Cash flow
€124k▲
2024 · €85k
Solvency
47.8%▲
2024 · 43.0%
Current ratio
1.88▲
2024 · 1.73
Quick ratio
0.86▲
2024 · 0.56
Debt / equity
1.09▼
2024 · 1.33
ROE
45.3%▲
2024 · 39.5%
ROA
21.6%▲
2024 · 17.0%
Interest coverage
10.50▲
2024 · 5.69
Debt
€291k▲
2024 · €273k
Debt ≤ 1 year
€291k▲
2024 · €270k
Income taxes
€41k▲
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€479k€558k▲
Fixed assets21/28€13k€10k▼
Tangible fixed assets22/27€13k€10k▼
Plant, machinery and equipment23€10k€7k▼
Other tangible fixed assets26€3k€3k▼
Current assets29/58€466k€548k▲
Stocks and contracts in progress3€316k€298k▼
Stocks30/36€316k€298k▼
Amounts receivable within one year40/41€69k€80k▲
Trade receivables40€40k€5k▼
Other amounts receivable41€29k€76k▲
Cash at bank and in hand54/58€81k€170k▲
Equity and liabilities
Total equity and liabilities10/49€479k€558k▲
Equity10/15€206k€267k▲
Contributions10/11€100k€100k=
Capital10€100k€100k=
Issued capital100€100k€100k=
Reserves13€106k€167k▲
Non-distributable reserves130/1€10k€10k=
Legal reserve130€10k€10k=
Distributable reserves133€96k€157k▲
Amounts payable17/49€273k€291k▲
Amounts payable within one year42/48€270k€291k▲
Financial debts43€40k€180k▲
Credit institutions430/8€40k€180k▲
Trade debts44€49k€37k▼
Suppliers440/4€49k€37k▼
Advances received on contracts in progress46-€6k
Taxes, remuneration and social security45€41k€9k▼
Taxes450/3€41k€9k▼
Other amounts payable47/48€140k€60k▼
Accrued charges and deferred income492/3€3k€215▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€3k▼
Other operating charges640/8€10k€8k▼
Gross operating margin9900€132k€179k▲
Operating profit (loss)9901€118k€168k▲
Financial income75/76B€12k€10k▼
Recurring financial income75€12k€10k▼
Financial charges65/66B€21k€16k▼
Recurring financial charges65€21k€16k▼
Profit (loss) for the period before taxes9903€109k€162k▲
Income taxes67/77€28k€41k▲
Profit (loss) for the period9904€81k€121k▲
Profit (loss) for the period to be appropriated9905€81k€121k▲
Appropriation of the result
Profit (loss) to be appropriated9906€81k€121k▲
Transfer to equity691/2€41k€61k▲
To other reserves6921€41k€61k▲
Profit to be distributed694/7€40k€60k▲
Return on contributions (dividend)694€40k€60k▲
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
02-09
State Gazette act
Registered officeBoard meeting · Registered-office move2 facts ▸
State Gazette act
Registered office
Board meeting · Registered-office move2 facts ▸
- Board meeting, 2026-08-28
- Registered-office move, Eenbeekstraat 3, 9070 Destelbergen
27-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €121k ▲48.3%
Operating result €168k, net result €121k, both a record.
11-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Equity above €200kEq €206k ▲25.1%
7 profitable years in a row build equity to €206k.
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Equity above €150kEq €165k ▲21.4%
6 profitable years in a row build equity to €165k.
08-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 8 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 29 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
31-12
Financial
Equity above €200kEq €240k ▲106%
3 profitable years in a row build equity to €240k.
23-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Weakest financial yearnet €3k ▼97.2%
Net result drops to €3k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 3.51
Current ratio from 1.59 to 3.51; short-term debt falls from €188k to €125k.
07-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Destelbergen · 1 establishment unit since 2017
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.
Eenbeekstraat 39070 DestelbergenGround area
9,345 m²
Building footprint
3,600 m²
Volume, LiDAR
20,744 m³
2 parcels, Flanders · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PremiumStock
since 20172.262.106.811
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11005A0292/00G000 | Flanders | 8,438 m² | 1 · 3,448 m² | 7.2 m · 2 fl. |
| 44013A0511/00B002 | Flanders | 907 m² | 1 · 152 m² | 9.1 m · 2 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 426 companies in sector 47553 we hold annual accounts for 169. 116 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded24-02-2017
Fiscal year end31-12
Activities, NACEBEL
47553Retail trade
64200Holdings
64210Activities of holding companies
46150Agents in the wholesale of furniture, household goods and hardware
46180Agents specialised in the wholesale of other particular products
47120Other non-specialised retail sale
47400Retail sale of information and communication equipment
47410Retail trade
47540Retail sale of electrical household appliances
47559Retail sale of other household articles
47910Retail trade
70100Activities of head offices
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.