PROSAFE
ActivePROSAFE has been active since 1992 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €11k and a net result of €-89k. Equity is shrinking by ~25.7% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 23% of 7885 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
2
/ 100
Critical▼ -53 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency18▼-82
Growth58=
Stability100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.78 against 2.71 in 2024), and 82.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eleven signals. The signal on the left, the evidence on the right.
−lowers risk+raises 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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
17.8%
Return on assets
-143.2%
Age of the figures
8 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€89k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 23% of 7885 sector peers (2025).
NBB · sector comparisonPosition among 7885 sector peers
Solvency
better than 23%
← weakest
strongest →
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
6 d early
2023
30 d late
2022
32 d late
2021
31 d late
2020
108 d late
2019
132 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
11-09-2026 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
€-89k▼ 173%
2024 · €-33k
2018: €-146k
2019: €-137k
2020: €285k
2021: €-304k
2022: €-90k
2023: €-59k
2024: €-33k
2018 → 2025
Working capital
€-11k
2024 · €65k
2018: €224k
2019: €113k
2020: €511k
2021: €213k
2022: €131k
2023: €85k
2024: €65k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€282k-€191k▼ 32.1%€132k▼ 30.8%€100k▼ 24.6%€11k▼ 89.0%
Operating result€-302k-€-87k▲ 71.1%€-56k▲ 35.6%€-32k▲ 42.9%€-88k▼ 175%
Net result€-304k-€-90k▲ 70.3%€-59k▲ 35.0%€-33k▲ 44.7%€-89k▼ 173%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €88k in 2025 against €32k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €62k
Fixed assets
€25k▼ 28.6%
Current assets
€37k▼ 63.9%
Equity and liabilities €62k
Equity
€11k▼ 89.0%
Debt
€51k▲ 33.9%
The debt ratio rises from 27.6% to 82.2%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€-79k▼
2024 · €-22k
Cash flow
€-79k▼
2024 · €-23k
Solvency
17.8%▼
2024 · 72.4%
Current ratio
0.78▼
2024 · 2.71
Quick ratio
0.42▼
2024 · 0.72
Debt / equity
4.63▲
2024 · 0.38
ROE
-805.6%▼
2024 · -32.6%
ROA
-143.2%▼
2024 · -23.6%
Interest coverage
-274.57▼
2024 · -51.31
Debt
€51k▲
2024 · €38k
Debt ≤ 1 year
€48k▲
2024 · €38k
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€138k€62k▼
Fixed assets21/28€35k€25k▼
Tangible fixed assets22/27€33k€23k▼
Land and buildings22€33k€23k▼
Financial fixed assets28€2k€2k=
Current assets29/58€103k€37k▼
Stocks and contracts in progress3€76k€17k▼
Stocks30/36€76k€17k▼
Amounts receivable within one year40/41€26k€19k▼
Trade receivables40€23k€17k▼
Other amounts receivable41€3k€2k▼
Cash at bank and in hand54/58€367€383▲
Deferred charges and accrued income490/1€660€409▼
Equity and liabilities
Total equity and liabilities10/49€138k€62k▼
Equity10/15€100k€11k▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€38k€38k=
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Distributable reserves133€32k€32k=
Profit (loss) carried forward14-€-89k
Amounts payable17/49€38k€51k▲
Amounts payable within one year42/48€38k€48k▲
Trade debts44€7k€7k▲
Suppliers440/4€7k€7k▲
Other amounts payable47/48€31k€41k▲
Accrued charges and deferred income492/3-€3k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€10k=
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€59k
Other operating charges640/8€2k€5k▲
Gross operating margin9900€-20k€-15k▲
Operating profit (loss)9901€-32k€-88k▼
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€434€286▼
Recurring financial charges65€434€286▼
Profit (loss) for the period before taxes9903€-33k€-89k▼
Profit (loss) for the period9904€-33k€-89k▼
Profit (loss) for the period to be appropriated9905€-33k€-89k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-33k€-89k▼
Transfer from equity791/2€33k-
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 32 days late
2022
31-12
Financial
Liquidity times 6current ratio 14.08
Current ratio from 2.36 to 14.08; short-term debt falls from €157k to €10k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 31 days late
2021
31-12
Financial
Weakest financial yearnet €-304k ▼207%
Net result drops to €-304k, the lowest in the series; recovery starts the following year.
16-11
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 108 days late
2020
31-12
Financial
Back to profitnet €285k
Net result €285k after 2 loss-making years.
31-12
Financial
Liquidity times 7current ratio 7.98
Current ratio from 1.17 to 7.98; short-term debt falls from €663k to €73k.
31-12
Financial
Equity above €500kEq €586k ▲94.4%
Equity rises from €301k to €586k.
10-12
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 132 days late
2019
19-09
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 50 days late
2018
26-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 57 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 60 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 11 acts read
About the unread acts
We know of 11 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
11 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, Ottignies-Louvain-la-Neuve · 5 establishment units since 1992
Ground area
2.7 ha
Building footprint
770 m²
Volume, LiDAR
5,942 m³
5 parcels, Brussels, Flanders, Wallonia · tallest building 14.0 m, ±3 floors. Linked by address, not a title deed.
5 establishment units
PROSAFE
since 19922.056.347.342
PROSAFE
since 19972.175.500.360
PROSAFE
since 19992.175.499.271
PROSAFE
since 20052.175.560.342
PROSAFE
since 20082.175.503.330
5 parcels
Flanders
1
(20%)
Wallonia
3
(60%)
Brussels
1
(20%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25013F0119/00K000 | Wallonia | 2.6 ha | 1 · 428 m² | 11.9 m · 3 fl. |
| 25016C0170/00M000 | Wallonia | 1,025 m² | 1 · 100 m² | 7.9 m · 2 fl. |
| 92062D0070/00G003 | Wallonia | 272 m² | 1 · 89 m² | - |
| 35021A0011/00K000 | Flanders | 100 m² | 1 · 74 m² | 12.4 m · 3 fl. |
| 21362B0031/00A004 | Brussels | 94 m² | 1 · 79 m² | 14.0 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 4
5 of 5 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
GALAXXIS
BE 0717.899.374
Antwerpen · Eq €11k
LABEL 74
BE 0828.983.477
Haacht · Eq €11k
CHRIVERO
BE 0865.120.036
Zottegem · Eq €11k
Beltex
BE 0400.542.494
Kraainem · Eq €11k
LVR MENSWEAR AARTSELAAR
BE 0739.869.181
Aartselaar · Eq €11k
Of 1,301 companies in sector 46423 we hold annual accounts for 808. 343 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded21-01-1992
Fiscal year end31-12
Activities, NACEBEL
46423Wholesale of clothing, excluding workwear and underwear
Sources
Crossroads Bank for EnterprisesNational Bank · 34 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.