R.C.C.
ActiveR.C.C. has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €91k and a net result of €14k. Equity is growing by ~40.5% per year across the filed fiscal years. Its solvency ranks better than 45% of 1851 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability51▼-15
Solvency61▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 1.52 against 1.45 in 2024; short-term debt: 64.1% and cash: 88.6% of total assets), but 64.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 49
Relative position
BE, all sectors
reference
Sector 49
higher
← fewer bankruptcies
more bankruptcies →
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
35.9%
Return on assets
5.3%
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 03-09-2026, 34 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
34 d late
2024
28 d late
2023
22 d late
2022
29 d late
2021
37 d early
2020
30 d late
2019
90 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€91k▲ 17.5%
2024 · €78k
2018: €-16k
2019: €6k
2020: €22k
2021: €31k
2022: €39k
2023: €50k
2024: €78k
2018 → 2025
Total assets
€254k▲ 6.5%
2024 · €239k
2018: €161k
2019: €181k
2020: €202k
2021: €201k
2022: €212k
2023: €218k
2024: €239k
2018 → 2025
Net result
€14k▼ 50.7%
2024 · €28k
2018: €3k
2019: €22k
2020: €16k
2021: €9k
2022: €8k
2023: €12k
2024: €28k
2018 → 2025
Working capital
€85k▲ 18.9%
2024 · €72k
2018: €-60k
2019: €-27k
2020: €-660
2021: €16k
2022: €29k
2023: €44k
2024: €72k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€31k-€39k▲ 25.4%€50k▲ 30.3%€78k▲ 54.8%€91k▲ 17.5%
Operating result€11k-€9k▼ 17.8%€13k▲ 41.0%€36k▲ 168%€21k▼ 42.4%
Net result€9k-€8k▼ 10.0%€12k▲ 49.4%€28k▲ 135%€14k▼ 50.7%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 42% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €254k
Fixed assets
€6k=
Current assets
€248k▲ 6.6%
Equity and liabilities €254k
Equity
€91k▲ 17.5%
Debt
€163k▲ 1.1%
The debt ratio falls from 67.4% to 64.1%. Equity and debt are higher.
Key figures and ratios
Solvency
35.9%▲
2024 · 32.6%
Current ratio
1.52▲
2024 · 1.45
Quick ratio
1.52▲
2024 · 1.45
Debt / equity
1.78▼
2024 · 2.07
ROE
14.9%▼
2024 · 35.4%
ROA
5.3%▼
2024 · 11.5%
Debt
€163k▲
2024 · €161k
Debt ≤ 1 year
€163k▲
2024 · €161k
Income taxes
€6k▼
2024 · €7k
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€239k€254k▲
Fixed assets21/28€6k€6k=
Tangible fixed assets22/27€6k€6k=
Land and buildings22€6k€6k=
Financial fixed assets28€135€135=
Current assets29/58€233k€248k▲
Amounts receivable within one year40/41€43k€23k▼
Trade receivables40€43k€22k▼
Other amounts receivable41-€703
Cash at bank and in hand54/58€189k€225k▲
Deferred charges and accrued income490/1€885-
Equity and liabilities
Total equity and liabilities10/49€239k€254k▲
Equity10/15€78k€91k▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€6k€16k▲
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Distributable reserves133-€10k
Profit (loss) carried forward14€10k€13k▲
Amounts payable17/49€161k€163k▲
Amounts payable within one year42/48€161k€163k▲
Current portion of amounts payable after more than one year42€160k€160k=
Trade debts44-€2k
Suppliers440/4-€2k
Taxes, remuneration and social security45€2k€1k▼
Taxes450/3€2k€1k▼
Income statement
Code20242025
Gross operating margin9900€36k€21k▼
Operating profit (loss)9901€36k€21k▼
Financial income75/76B€289€164▼
Recurring financial income75€289€164▼
Financial charges65/66B€1k€1k▲
Recurring financial charges65€1k€1k▲
Profit (loss) for the period before taxes9903€35k€19k▼
Income taxes67/77€7k€6k▼
Profit (loss) for the period9904€28k€14k▼
Profit (loss) for the period to be appropriated9905€28k€14k▼
Appropriation of the result
Profit (loss) to be appropriated9906€10k€23k▲
Profit (loss) brought forward from the previous period14P€-18k€10k▲
Transfer to equity691/2-€10k
To the legal reserve6920-€10k
The notes to these accounts (5 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
03-09
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 34 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Highest result since 2018net €28k ▲135%
Operating result €36k, net result €28k, both a record.
22-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 22 days late
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
29-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 90 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 31 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 30 days late
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, Tournai · 1 establishment unit since 1998
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.
Boulevard Eisenhower(TOU) 1237500 TournaiGround area
353 m²
Building footprint
86 m²
Volume, LiDAR
778 m³
2 parcels, Wallonia · tallest building 10.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue Jeanne d'Arc(TOU) 51, 7500 Tournai
since 19982.086.141.485
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57462A0144/00P002 | Wallonia | 244 m² | 1 · 44 m² | 10.3 m · 3 fl. |
| 57462A0152/00X000 | Wallonia | 109 m² | 1 · 42 m² | 10.6 m · 3 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.
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Of 12,606 companies in sector 49410 we hold annual accounts for 8,203. 6,326 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded27-03-1998
Fiscal year end31-12
Activities, NACEBEL
49410Freight transport by road
Sources
Crossroads Bank for EnterprisesNational Bank · 27 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.