Proxaccount
ActiveProxaccount has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €259k and a net result of €7k. Equity is growing by ~22.8% per year across the filed fiscal years. Its solvency ranks better than 48% of 12690 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability71▼-5
Solvency80▲+4
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity ample (current ratio 2.11 against 1.89 in 2024; short-term debt: 45.1% and cash: 3.6% of total assets), and 45.1% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
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
54.9%
Return on assets
1.4%
Age of the figures
9 mo
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
on the day
2023
30 d late
2022
32 d late
2021
31 d late
2020
31 d late
2019
on the day
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€259k▲ 2.7%
2024 · €252k
2018: €33k
2019: €51k
2020: €71k
2021: €138k
2022: €186k
2023: €222k
2024: €252k
2018 → 2025
Total assets
€472k▼ 3.9%
2024 · €491k
2018: €216k
2019: €223k
2020: €254k
2021: €326k
2022: €426k
2023: €439k
2024: €491k
2018 → 2025
Net result
€7k▼ 77.2%
2024 · €30k
2018: €6k
2019: €18k
2020: €20k
2021: €67k
2022: €47k
2023: €38k
2024: €30k
2018 → 2025
Working capital
€236k▲ 10.5%
2024 · €214k
2018: €-12k
2019: €-809
2020: €22k
2021: €95k
2022: €142k
2023: €179k
2024: €214k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€138k-€186k▲ 34.1%€222k▲ 19.7%€252k▲ 13.4%€259k▲ 2.7%
Operating result€99k-€67k▼ 32.4%€58k▼ 13.4%€45k▼ 22.6%€94k▲ 109%
Net result€67k-€47k▼ 29.7%€38k▼ 18.4%€30k▼ 22.4%€7k▼ 77.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 109% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €472k
Fixed assets
€23k▼ 40.6%
Current assets
€449k▼ 0.8%
Equity and liabilities €472k
Equity
€259k▲ 2.7%
Debt
€213k▼ 10.9%
The debt ratio falls from 48.7% to 45.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€110k▲
2024 · €61k
Cash flow
€23k▼
2024 · €46k
Solvency
54.9%▲
2024 · 51.3%
Current ratio
2.11▲
2024 · 1.89
Quick ratio
2.11▲
2024 · 1.89
Debt / equity
0.82▼
2024 · 0.95
ROE
2.6%▼
2024 · 11.9%
ROA
1.4%▼
2024 · 6.1%
Interest coverage
198.42▲
2024 · 20.99
Debt
€213k▼
2024 · €239k
Debt ≤ 1 year
€213k▼
2024 · €239k
Income taxes
€4k▼
2024 · €12k
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€491k€472k▼
Fixed assets21/28€38k€23k▼
Intangible fixed assets21€30k€15k▼
Tangible fixed assets22/27€8k€8k▲
Plant, machinery and equipment23€5k€4k▼
Furniture and vehicles24-€878
Other tangible fixed assets26€3k€3k▼
Current assets29/58€453k€449k▼
Amounts receivable within one year40/41€439k€425k▼
Trade receivables40€253k€186k▼
Other amounts receivable41€186k€239k▲
Cash at bank and in hand54/58€8k€17k▲
Deferred charges and accrued income490/1€6k€7k▲
Equity and liabilities
Total equity and liabilities10/49€491k€472k▼
Equity10/15€252k€259k▲
Contributions10/11€10k€10k=
Reserves13€100k€100k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€98k€98k=
Profit (loss) carried forward14€142k€149k▲
Amounts payable17/49€239k€213k▼
Amounts payable within one year42/48€239k€213k▼
Current portion of amounts payable after more than one year42€3k-
Financial debts43€889€1k▲
Credit institutions430/8€889€1k▲
Trade debts44€9k€10k▲
Suppliers440/4€9k€10k▲
Taxes, remuneration and social security45€39k€36k▼
Taxes450/3€39k€36k▼
Other amounts payable47/48€187k€165k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€17k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-12k€-3k▲
Other operating charges640/8€19k€8k▼
Non-recurring operating charges66A€75-
Gross operating margin9900€67k€115k▲
Operating profit (loss)9901€45k€94k▲
Financial income75/76B€1€20▲
Recurring financial income75€1€20▲
Financial charges65/66B€3k€83k▲
Recurring financial charges65€3k€556▼
Non-recurring financial charges66B-€82k
Profit (loss) for the period before taxes9903€42k€11k▼
Income taxes67/77€12k€4k▼
Profit (loss) for the period9904€30k€7k▼
Profit (loss) for the period to be appropriated9905€30k€7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€142k€149k▲
Profit (loss) brought forward from the previous period14P€112k€142k▲
The notes to these accounts (8 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 · micro schema · 31 days late
2025
31-07
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
31-12
Financial
Equity above €200kEq €222k ▲19.7%
6 profitable years in a row build equity to €222k.
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
31-12
Financial
Equity above €150kEq €186k ▲34.1%
5 profitable years in a row build equity to €186k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Highest result since 2018net €67k ▲234%
Operating result €99k, net result €67k, both a record.
31-12
Financial
Equity above €100kEq €138k ▲94.1%
4 profitable years in a row build equity to €138k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Malle · 2 establishment units since 2016
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.
Antwerpsesteenweg 338A2390 MalleGround area
7,273 m²
Building footprint
1,522 m²
Volume, LiDAR
5,059 m³
2 parcels, Flanders · tallest building 14.4 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
Proxaccount
since 20162.259.488.306
Proxaccount
since 20222.329.066.802
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11049A0792/00A000 | Flanders | 5,267 m² | 1 · 927 m² | 3.4 m |
| 11443E0003/00D004 | Flanders | 2,006 m² | 1 · 595 m² | 14.4 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 3 entries · 909 EUR awarded · 894 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 464 EUR | 464 EUR |
| 2023 | 1 | 120 EUR | 430 EUR |
| 2022 | 1 | 325 EUR | 0 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 12,175 companies in sector 69201 we hold annual accounts for 7,638. 6,188 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded19-12-2016
Fiscal year end31-12
Activities, NACEBEL
69201Certified accountants and tax accountants
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.