PRODUCTIEF
ActivePRODUCTIEF has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €179k and a net result of €27k. Equity is shrinking by ~13.1% per year across the filed fiscal years. Its solvency ranks better than 48% of 6956 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
98
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75▲+7
Solvency96▼-1
Growth58=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity ample (current ratio 2.0 against 2.23 in 2024), and 47.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
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
52.1%
Return on assets
7.8%
Age of the figures
11 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 30-04-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
on the day
2023
6 d early
2022
45 d early
2021
53 d early
2020
52 d early
2019
42 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
12-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€179k▼ 7.8%
2024 · €195k
2018: €431k
2019: €443k
2020: €325k
2021: €295k
2022: €238k
2023: €205k
2024: €195k
2018 → 2025
Total assets
€345k▼ 1.1%
2024 · €349k
2018: €520k
2019: €616k
2020: €534k
2021: €388k
2022: €383k
2023: €362k
2024: €349k
2018 → 2025
Net result
€27k▲ 1.7%
2024 · €26k
2018: €23k
2019: €12k
2020: €17k
2021: €14k
2022: €-3k
2023: €16k
2024: €26k
2018 → 2025
Working capital
€164k▼ 12.5%
2024 · €188k
2018: €381k
2019: €510k
2020: €295k
2021: €272k
2022: €225k
2023: €195k
2024: €188k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€295k-€238k▼ 19.6%€205k▼ 13.6%€195k▼ 5.2%€179k▼ 7.8%
Operating result€14k-€3k▼ 80.2%€16k▲ 515%€32k▲ 97.3%€33k▲ 2.9%
Net result€14k-€-3k€16k€26k▲ 67.3%€27k▲ 1.7%
Turnover and EBIT margin not published: the micro 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 3% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €345k
Fixed assets
€16k▲ 103%
Current assets
€328k▼ 3.6%
Equity and liabilities €345k
Equity
€179k▼ 7.8%
Debt
€165k▲ 7.3%
The debt ratio rises from 44.1% to 47.9%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€36k▼
2024 · €38k
Cash flow
€29k▼
2024 · €32k
Solvency
52.1%▼
2024 · 55.9%
Current ratio
2.00▼
2024 · 2.23
Quick ratio
2.00▼
2024 · 2.23
Debt / equity
0.92▲
2024 · 0.79
ROE
15.0%▲
2024 · 13.6%
ROA
7.8%▲
2024 · 7.6%
Interest coverage
5.66▼
2024 · 12.40
Debt
€165k▲
2024 · €154k
Debt ≤ 1 year
€164k▲
2024 · €153k
Income taxes
€5k▲
2024 · €3k
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€349k€345k▼
Fixed assets21/28€8k€16k▲
Tangible fixed assets22/27€8k€16k▲
Land and buildings22€1k€5k▲
Plant, machinery and equipment23€3k€3k▼
Furniture and vehicles24€0€6k▲
Other tangible fixed assets26€3k€2k▼
Financial fixed assets28€311€311=
Current assets29/58€340k€328k▼
Amounts receivable after more than one year29€86k€90k▲
Other amounts receivable291€86k€90k▲
Amounts receivable within one year40/41€96k€88k▼
Trade receivables40€92k€85k▼
Other amounts receivable41€5k€2k▼
Current investments50/53€76k€76k▲
Cash at bank and in hand54/58€82k€74k▼
Deferred charges and accrued income490/1€510€510=
Equity and liabilities
Total equity and liabilities10/49€349k€345k▼
Equity10/15€195k€179k▼
Contributions10/11€19k€19k=
Reserves13€101k€111k▲
Distributable reserves133€101k€111k▲
Profit (loss) carried forward14€75k€50k▼
Amounts payable17/49€154k€165k▲
Amounts payable within one year42/48€153k€164k▲
Trade debts44€27k€18k▼
Suppliers440/4€27k€18k▼
Taxes, remuneration and social security45€12k€10k▼
Taxes450/3€12k€10k▼
Remuneration and social security454/9€0-
Other amounts payable47/48€113k€136k▲
Accrued charges and deferred income492/3€1k€1k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€2k▼
Other operating charges640/8€4k€4k▼
Non-recurring operating charges66A-€1k
Gross operating margin9900€41k€40k▼
Operating profit (loss)9901€32k€33k▲
Financial income75/76B€12€4k▲
Recurring financial income75€12€4k▲
Financial charges65/66B€3k€6k▲
Recurring financial charges65€3k€6k▲
Profit (loss) for the period before taxes9903€29k€31k▲
Income taxes67/77€3k€5k▲
Profit (loss) for the period9904€26k€27k▲
Profit (loss) for the period to be appropriated9905€26k€27k▲
Appropriation of the result
Profit (loss) to be appropriated9906€126k€102k▼
Profit (loss) brought forward from the previous period14P€100k€75k▼
Transfer from equity791/2€12k€17k▲
Transfer to equity691/2€26k€27k▲
To other reserves6921€26k€27k▲
Profit to be distributed694/7€37k€42k▲
Return on contributions (dividend)694€12k€17k▲
Directors or managers695€25k€25k=
The notes to these accounts (11 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
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Highest result since 2018net €27k ▲1.7%
Net result €27k, the highest in the series.
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
24-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Back to profitnet €16k
Net result €16k after one loss-making year.
16-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Weakest financial yearnet €-3k ▼120%
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
08-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
09-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
19-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
15-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
05-04
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
4 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, Antwerpen · 1 establishment unit since 1996
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.
Patriottenstraat 172600 AntwerpenGround area
1,079 m²
Building footprint
624 m²
Volume, LiDAR
3,281 m³
Parcel 11003B0054/00L007, Flanders · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PRODUCTIEF
since 19962.078.622.995
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11003B0054/00L007 | Flanders | 1,079 m² | 1 · 624 m² | 8.0 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 9,807 companies in sector 73110 we hold annual accounts for 3,724. 2,844 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-09-1996
Fiscal year end30-09
Activities, NACEBEL
73110Advertising agencies
74401
Sources
Crossroads Bank for EnterprisesNational Bank · 28 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.