PROPRISM
ActivePROPRISM has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €22k and a net result of €186k. Equity is shrinking by ~29.6% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2027. Its solvency ranks better than 10% of 3175 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
72
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+1
Solvency29▲+1
Growth58=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity short (current ratio 0.97 against 0.96 in 2024; short-term debt: 95.7% and cash: 53.6% of total assets), and 96.1% 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 →
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
3.9%
Return on assets
33.2%
Age of the figures
15 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 3175 sector peers (2025).
NBB · sector comparisonPosition among 3175 sector peers
Solvency
better than 10%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 29-01-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
4 d early
2023
1 d early
2022
8 d early
2021
on the day
2020
1 d late
2019
3 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close19-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€186k▲ 17.0%
2024 · €159k
2019: €33k
2020: €72k
2021: €142k
2022: €213k
2023: €238k
2024: €159k
2019 → 2025
Working capital
€-16k▲ 34.1%
2024 · €-24k
2019: €76k
2020: €100k
2021: €195k
2022: €14k
2023: €14k
2024: €-24k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€195k-€22k▼ 88.7%€40k▲ 80.4%€22k▼ 44.6%€22k=
Operating result€209k-€324k▲ 55.0%€362k▲ 11.8%€247k▼ 31.7%€294k▲ 18.9%
Net result€142k-€213k▲ 49.3%€238k▲ 11.7%€159k▼ 33.0%€186k▲ 17.0%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 19% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €561k
Fixed assets
€40k▼ 22.9%
Current assets
€522k▼ 11.0%
Equity and liabilities €561k
Equity
€22k=
Debt
€539k▼ 12.4%
The debt ratio falls from 96.5% to 96.1%. Debt is lower.
Key figures and ratios
EBITDA
€309k▲
2024 · €260k
Cash flow
€201k▲
2024 · €173k
Solvency
3.9%▲
2024 · 3.5%
Current ratio
0.97▲
2024 · 0.96
Quick ratio
0.97▲
2024 · 0.96
Debt / equity
24.50▼
2024 · 27.98
ROE
846.1%▲
2024 · 723.3%
ROA
33.2%▲
2024 · 25.0%
Interest coverage
8.40▲
2024 · 5.93
Debt
€539k▼
2024 · €616k
Debt ≤ 1 year
€537k▼
2024 · €610k
Income taxes
€73k▲
2024 · €46k
Staff costs
€143k▼
2024 · €185k
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€638k€561k▼
Fixed assets21/28€51k€40k▼
Intangible fixed assets21€32k€24k▼
Tangible fixed assets22/27€18k€15k▼
Furniture and vehicles24€17k€14k▼
Other tangible fixed assets26€1k€885▼
Financial fixed assets28€1k€206▼
Current assets29/58€586k€522k▼
Amounts receivable within one year40/41€260k€207k▼
Trade receivables40€246k€205k▼
Other amounts receivable41€14k€3k▼
Current investments50/53€7k€9k▲
Cash at bank and in hand54/58€312k€300k▼
Deferred charges and accrued income490/1€6k€5k▼
Equity and liabilities
Total equity and liabilities10/49€638k€561k▼
Equity10/15€22k€22k=
Contributions10/11€20k€20k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€0€0=
Amounts payable17/49€616k€539k▼
Amounts payable within one year42/48€610k€537k▼
Trade debts44€76k€27k▼
Suppliers440/4€76k€27k▼
Taxes, remuneration and social security45€18k€27k▲
Taxes450/3€10k€18k▲
Remuneration and social security454/9€7k€9k▲
Other amounts payable47/48€516k€483k▼
Accrued charges and deferred income492/3€5k€2k▼
Income statement
Code20242025
Non-recurring operating income76A€549€14k▲
Remuneration, social security and pensions62€185k€143k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€15k▲
Other operating charges640/8€6k€3k▼
Non-recurring operating charges66A€2k€0▼
Gross operating margin9900€453k€455k▲
Operating profit (loss)9901€247k€294k▲
Financial income75/76B€2k€3k▲
Recurring financial income75€2k€3k▲
Financial charges65/66B€44k€37k▼
Recurring financial charges65€44k€37k▼
Profit (loss) for the period before taxes9903€205k€260k▲
Income taxes67/77€46k€73k▲
Profit (loss) for the period9904€159k€186k▲
Profit (loss) for the period to be appropriated9905€159k€186k▲
Appropriation of the result
Profit (loss) to be appropriated9906€177k€186k▲
Profit (loss) brought forward from the previous period14P€18k€0▼
Profit to be distributed694/7€177k€186k▲
Return on contributions (dividend)694€177k€186k▲
Social balance
Average headcount (FTE)90872.72.7=
The notes to these accounts (19 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
29-01
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
27-01
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Highest result since 2019net €238k ▲11.7%
Operating result €362k, net result €238k, both a record.
23-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Equity above €150kEq €195k ▲90%
3 profitable years in a row build equity to €195k.
01-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 1 day late
2020
30-06
Financial
Equity above €100kEq €103k ▲27.4%
2 profitable years in a row build equity to €103k.
03-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 3 days late
2019
16-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
22-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
26-01
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
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, Waterloo · 1 establishment unit since 2015
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.
Drève Richelle 161 M1410 WaterlooGround area
1.5 ha
Building footprint
2,561 m²
Volume, LiDAR
46,110 m³
2 parcels, Wallonia · tallest building 22.9 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
PROPRISM
since 20152.243.565.260
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25763M0621/00F000indicative | Wallonia | 1.0 ha | 1 · 1,772 m² | 22.9 m · 6 fl. |
| 25763M0600/00R000 | Wallonia | 4,633 m² | 1 · 788 m² | 18.1 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
1 of 2 parcels 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
549300KQKND6G6WPRK05
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Of 82,554 companies in sector 70200 we hold annual accounts for 52,573. 31,607 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-06-2015
Fiscal year end30-06
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
78200Temporary employment agencies and other provision of personnel
78300Employment activities
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.