Raamwijzer
ActiveRaamwijzer has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €48k and a net result of €44k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 60% of 7673 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
100
/ 100
Excellent▲ +73 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency96▲+80
Growth78▲+46
Stability100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 3.81 against 1.04 in 2024), and 47.1% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
52.9%
Return on assets
48.9%
Age of the figures
8 mo
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €48k
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 09-06-2026, 52 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
52 d early
2024
9 d early
2023
33 d early
2022
38 d early
2021
37 d early
2020
65 d late
2019
21 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€48k▲ 1,216%
2024 · €4k
2018: €8k
2019: €57k
2020: €28k
2021: €23k
2022: €45k
2023: €26k
2024: €4k
2018 → 2025
Total assets
€90k▲ 48.2%
2024 · €61k
2018: €58k
2019: €82k
2020: €45k
2021: €42k
2022: €65k
2023: €46k
2024: €61k
2018 → 2025
Net result
€44k
2024 · €-23k
2018: €-3k
2019: €-571
2020: €-29k
2021: €-6k
2022: €22k
2023: €-18k
2024: €-23k
2018 → 2025
Working capital
€62k▲ 2,725%
2024 · €2k
2018: €-465
2019: €67k
2020: €37k
2021: €30k
2022: €43k
2023: €24k
2024: €2k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€23k-€45k▲ 97.6%€26k▼ 41.3%€4k▼ 86.2%€48k▲ 1,216%
Operating result€-5k-€22k€-19k€-23k▼ 23.8%€52k
Net result€-6k-€22k€-18k€-23k▼ 22.8%€44k
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 returns to profit in 2025: €52k after a loss of €23k in 2024, the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €90k
Fixed assets
€6k▲ 318%
Current assets
€84k▲ 41.7%
Equity and liabilities €90k
Equity
€48k▲ 1,216%
Debt
€42k▼ 25.8%
The debt ratio falls from 94.0% to 47.1%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€53k▲
2024 · €-22k
Cash flow
€45k▲
2024 · €-22k
Solvency
52.9%▲
2024 · 6.0%
Current ratio
3.81▲
2024 · 1.04
Quick ratio
3.81▲
2024 · 1.04
Debt / equity
0.89▼
2024 · 15.77
ROE
92.4%▲
2024 · -626.3%
ROA
48.9%▲
2024 · -37.3%
Interest coverage
34.54▲
2024 · -97.08
Debt
€42k▼
2024 · €57k
Debt ≤ 1 year
€22k▼
2024 · €57k
Debt > 1 year
€20k
Income taxes
€7k▲
2024 · €0
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€61k€90k▲
Fixed assets21/28€1k€6k▲
Tangible fixed assets22/27€1k€549▼
Plant, machinery and equipment23€1k€549▼
Furniture and vehicles24€0-
Financial fixed assets28-€5k
Current assets29/58€59k€84k▲
Amounts receivable within one year40/41€38k€35k▼
Trade receivables40€30k€26k▼
Other amounts receivable41€8k€9k▲
Cash at bank and in hand54/58€21k€48k▲
Deferred charges and accrued income490/1-€432
Equity and liabilities
Total equity and liabilities10/49€61k€90k▲
Equity10/15€4k€48k▲
Contributions10/11€56k€56k=
Reserves13€300€300=
Non-distributable reserves130/1€300€300=
Reserves not available under the articles1311€300€300=
Profit (loss) carried forward14€-53k€-9k▲
Amounts payable17/49€57k€42k▼
Amounts payable after more than one year17-€20k
Financial debts170/4-€20k
Amounts payable within one year42/48€57k€22k▼
Current portion of amounts payable after more than one year42€5k€8k▲
Trade debts44€18k€6k▼
Suppliers440/4€18k€6k▼
Advances received on contracts in progress46€34k€0▼
Taxes, remuneration and social security45€38€8k▲
Taxes450/3€38€8k▲
Other amounts payable47/48€0-
Income statement
Code20242025
Remuneration, social security and pensions62€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€875▼
Other operating charges640/8€505€540▲
Gross operating margin9900€-22k€54k▲
Operating profit (loss)9901€-23k€52k▲
Financial income75/76B€767€472▼
Recurring financial income75€767€472▼
Financial charges65/66B€228€2k▲
Recurring financial charges65€228€2k▲
Profit (loss) for the period before taxes9903€-23k€51k▲
Income taxes67/77€0€7k▲
Profit (loss) for the period9904€-23k€44k▲
Profit (loss) for the period to be appropriated9905€-23k€44k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-53k€-9k▲
Profit (loss) brought forward from the previous period14P€-30k€-53k▼
The notes to these accounts (12 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
09-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
19-03
State Gazette act
Registered officeBoard meeting · Registered-office move2 facts ▸
State Gazette act
Registered office
Board meeting · Registered-office move2 facts ▸
- Board meeting, 09/01/2026
- Registered-office move, Stationsstraat 180 bus 3, 3110 Rotselaar
2025
31-12
Financial
Back to profitnet €44k
Net result €44k after 2 loss-making years.
31-12
Financial
Liquidity quadruplescurrent ratio 3.81
Current ratio from 1.04 to 3.81; short-term debt falls from €57k to €22k.
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
23-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €22k
Net result €22k after 4 loss-making years.
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
04-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 65 days late
2020
31-12
Financial
Weakest financial yearnet €-29k
Net result drops to €-29k, the lowest in the series; recovery starts the following year.
10-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity times 6current ratio 5.73
Current ratio from 0.99 to 5.73; short-term debt falls from €34k to €14k.
05-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 5 days late
2018
11-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
03-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2025
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
23-05-2025
DE CUYPER Gaëtan Henri Hedwig: Resigned as Director
23-08-2020
Bols Nick: Resigned as Director
Location & real-estate footprint
Registered office, Rotselaar · 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.
Stationsstraat 1803110 RotselaarGround area
1,149 m²
Building footprint
305 m²
Volume, LiDAR
1,628 m³
Parcel 24094C0689/00P000, Flanders · tallest building 6.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Raamwijzer
since 20152.242.070.074
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24094C0689/00P000 | Flanders | 1,149 m² | 1 · 305 m² | 6.5 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel 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
Plaatsing Pauwels
BE 0839.626.357
Zoersel · Eq €48k
Windowproject
BE 0887.753.403
Frasnes-lez-Anvaing · Eq €48k
JV RENOVATIE & INTERIEUR
BE 0804.773.366
Zonhoven · Eq €48k
MENUISERIE DOCQUIER
BE 0873.927.933
Orp-Jauche · Eq €48k
QualyWood
BE 0759.569.782
Halle · Eq €48k
Of 19,948 companies in sector 43320 we hold annual accounts for 9,082. 7,310 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-05-2015
Fiscal year end31-12
Activities, NACEBEL
43320Joinery installation
Sources
Crossroads Bank for EnterprisesNational Bank · 10 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.