PROXIF
ActivePROXIF is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €363k and a net result of €178k. Equity is growing by ~11.2% per year across the filed fiscal years. Its solvency ranks better than 84% of 2409 sector peers (fiscal year 2025). The company has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 08-07-2026, 23 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
23 d early
2024
27 d early
2023
29 d early
2022
33 d early
2021
40 d early
2020
43 d early
2019
25 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€363k▲ 93.2%
2024 · €188k
2018: €72k
2019: €144k
2020: €170k
2021: €185k
2022: €201k
2023: €167k
2024: €188k
2018 → 2025
Net result
€178k▼ 10.0%
2024 · €198k
2018: €120k
2019: €108k
2020: €26k
2021: €15k
2022: €76k
2023: €152k
2024: €198k
2018 → 2025
Total assets
€421k▲ 5.3%
2024 · €400k
2018: €167k
2019: €203k
2020: €174k
2021: €207k
2022: €284k
2023: €386k
2024: €400k
2018 → 2025
Solvency
86.0%▲ 39.1pp
2024 · 46.9%
2018: 43.3%
2019: 70.9%
2020: 97.4%
2021: 89.3%
2022: 70.8%
2023: 43.3%
2024: 46.9%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€185k-€201k▲ 8.9%€167k▼ 16.9%€188k▲ 12.2%€363k▲ 93.2%
Operating result€31k-€93k▲ 206%€195k▲ 109%€253k▲ 29.7%€231k▼ 8.9%
Net result€15k-€76k▲ 407%€152k▲ 101%€198k▲ 29.6%€178k▼ 10.0%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 9% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €421k
Fixed assets
€32k▼ 23.2%
Current assets
€390k▲ 8.6%
Equity and liabilities €421k
Equity
€363k▲ 93.2%
Debt
€59k▼ 72.3%
The debt ratio falls from 53.1% to 14.0%: equity grows while debt is paid down.
Key figures and ratios
Solvency
86.0%▲
2024 · 46.9%
ROE
49.0%▼
2024 · 105.3%
ROA
42.2%▼
2024 · 49.4%
Debt
€59k▼
2024 · €212k
Debt ≤ 1 year
€59k▼
2024 · €212k
Income taxes
€54k▼
2024 · €56k
Staff costs
€93k▲
2024 · €90k
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€400k€421k▲
Fixed assets21/28€41k€32k▼
Tangible fixed assets22/27€39k€29k▼
Plant, machinery and equipment23€1k€1k=
Furniture and vehicles24€38k€28k▼
Financial fixed assets28€3k€3k=
Current assets29/58€359k€390k▲
Amounts receivable within one year40/41€2k€8k▲
Other amounts receivable41€2k€8k▲
Cash at bank and in hand54/58€353k€377k▲
Deferred charges and accrued income490/1€4k€5k▲
Equity and liabilities
Total equity and liabilities10/49€400k€421k▲
Equity10/15€188k€363k▲
Contributions10/11€19k€59k▲
Reserves13€2k€2k=
Non-distributable reserves130/1€2k-
Reserves not available under the articles1311€2k-
Distributable reserves133-€2k
Profit (loss) carried forward14€167k€302k▲
Amounts payable17/49€212k€59k▼
Amounts payable within one year42/48€212k€59k▼
Trade debts44€703€10k▲
Suppliers440/4€703€10k▲
Taxes, remuneration and social security45€96k€13k▼
Taxes450/3€64k€13k▼
Remuneration and social security454/9€32k-
Other amounts payable47/48€116k€36k▼
Income statement
Code20242025
Remuneration, social security and pensions62€90k€93k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€10k▲
Other operating charges640/8€1k€1k▼
Gross operating margin9900€352k€335k▼
Operating profit (loss)9901€253k€231k▼
Financial income75/76B€538€2k▲
Recurring financial income75€538€2k▲
Financial charges65/66B€366€548▲
Recurring financial charges65€366€548▲
Profit (loss) for the period before taxes9903€253k€232k▼
Income taxes67/77€56k€54k▼
Profit (loss) for the period9904€198k€178k▼
Profit (loss) for the period to be appropriated9905€198k€178k▼
Appropriation of the result
Profit (loss) to be appropriated9906€344k€345k▲
Profit (loss) brought forward from the previous period14P€147k€167k▲
Profit to be distributed694/7€177k€43k▼
Return on contributions (dividend)694€157k€43k▼
Employees696€20k-
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
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity quadruplescurrent ratio 6.62
Current ratio from 1.69 to 6.62; short-term debt falls from €212k to €59k.
31-12
Financial
Equity above €200kEq €363k ▲93.2%
8 profitable years in a row build equity to €363k.
04-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €198k ▲29.6%
Operating result €253k, net result €198k, both a record.
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €200kEq €201k ▲8.9%
5 profitable years in a row build equity to €201k.
21-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €15k ▼42.3%
Net result drops to €15k, the lowest in the series; recovery starts the following year.
18-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity times 11current ratio 36.94
Current ratio from 3.28 to 36.94; short-term debt falls from €59k to €5k.
31-12
Financial
Equity above €150kEq €170k ▲18%
3 profitable years in a row build equity to €170k.
06-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Liquidity doublescurrent ratio 3.28
Current ratio from 1.60 to 3.28; short-term debt falls from €95k to €59k.
31-12
Financial
Equity above €100kEq €144k ▲98.8%
2 profitable years in a row build equity to €144k.
03-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
18-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
27-06
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
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, Musson · 3 establishment units since 2011
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.
Rue Beau-Séjour 206750 MussonGround area
928 m²
Building footprint
381 m²
Volume, LiDAR
5,148 m³
3 parcels, Brussels, Wallonia · tallest building 21.1 m, ±7 floors. Linked by address, not a title deed.
3 establishment units
Rue Beau-Séjour 20, 6750 Musson
since 20112.197.625.763
Rue du Marché-au-Beurre 7, 6700 Arlon
since 20152.251.525.693
PROXIF
since 20182.275.087.983
3 parcels
Wallonia
2
(66.7%)
Brussels
1
(33.3%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 85026B2160/00N002 | Wallonia | 607 m² | 1 · 111 m² | 5.9 m · 2 fl. |
| 21812N0535/00P000 | Brussels | 207 m² | 1 · 209 m² | 21.1 m · 7 fl. |
| 81001A0256/00C000 | Wallonia | 114 m² | 1 · 61 m² | 16.8 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 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 4,666 companies in sector 66220 we hold annual accounts for 3,215. 2,691 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-03-2011
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.