RECTO-VERSO
ActiveRECTO-VERSO has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €172k and a net result of €34k. Equity is growing by ~10.3% per year across the filed fiscal years. Its solvency ranks better than 70% of 10345 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
78
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability66▲+34
Solvency82▲+7
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity ample (current ratio 2.33 against 1.99 in 2024; short-term debt: 42.9% and cash: 61.6% of total assets), and 42.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
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
57.1%
Return on assets
11.4%
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 24-08-2026, 24 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
24 d late
2024
76 d late
2023
58 d late
2022
31 d late
2021
18 d late
2020
122 d late
2019
24 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€172k▲ 24.9%
2024 · €138k
2018: €78k
2019: €73k
2020: €97k
2021: €123k
2022: €136k
2023: €144k
2024: €138k
2018 → 2025
Total assets
€302k▲ 9.7%
2024 · €275k
2018: €191k
2019: €214k
2020: €227k
2021: €276k
2022: €278k
2023: €267k
2024: €275k
2018 → 2025
Net result
€34k
2024 · €-6k
2018: €2k
2019: €-5k
2020: €24k
2021: €26k
2022: €13k
2023: €8k
2024: €-6k
2018 → 2025
Working capital
€172k▲ 26.7%
2024 · €136k
2018: €73k
2019: €70k
2020: €96k
2021: €121k
2022: €135k
2023: €144k
2024: €136k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€123k-€136k▲ 10.5%€144k▲ 6.0%€138k▼ 4.2%€172k▲ 24.9%
Operating result€37k-€19k▼ 49.6%€12k▼ 36.5%€-6k€48k
Net result€26k-€13k▼ 50.2%€8k▼ 37.4%€-6k€34k
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: €48k after a loss of €6k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €302k
Equity
€172k▲ 24.9%
Debt
€129k▼ 5.6%
The debt ratio falls from 49.8% to 42.9%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
57.1%▲
2024 · 50.2%
Current ratio
2.33▲
2024 · 1.99
Quick ratio
1.44▲
2024 · 1.15
Debt / equity
0.75▼
2024 · 0.99
ROE
19.9%▲
2024 · -4.4%
ROA
11.4%▲
2024 · -2.2%
Debt
€129k▼
2024 · €137k
Debt ≤ 1 year
€129k▼
2024 · €137k
Income taxes
€13k▲
2024 · €140
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€275k€302k▲
Fixed assets21/28€2k-
Financial fixed assets28€2k-
Current assets29/58€273k€302k▲
Stocks and contracts in progress3€115k€115k=
Stocks30/36€115k€115k=
Amounts receivable within one year40/41€5k€252▼
Other amounts receivable41€5k€252▼
Cash at bank and in hand54/58€153k€186k▲
Equity and liabilities
Total equity and liabilities10/49€275k€302k▲
Equity10/15€138k€172k▲
Contributions10/11€19k€19k=
Capital10€19k€19k=
Issued capital100€19k€19k=
Reserves13€119k€154k▲
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Distributable reserves133€118k€152k▲
Amounts payable17/49€137k€129k▼
Amounts payable within one year42/48€137k€129k▼
Trade debts44€32k€16k▼
Suppliers440/4€32k€16k▼
Taxes, remuneration and social security45€7k€14k▲
Taxes450/3€7k€14k▲
Other amounts payable47/48€98k€100k▲
Income statement
Code20242025
Other operating charges640/8€790€802▲
Gross operating margin9900€-5k€49k▲
Operating profit (loss)9901€-6k€48k▲
Financial income75/76B€841€195▼
Recurring financial income75€841€195▼
Financial charges65/66B€629€1k▲
Recurring financial charges65€629€1k▲
Profit (loss) for the period before taxes9903€-6k€47k▲
Income taxes67/77€140€13k▲
Profit (loss) for the period9904€-6k€34k▲
Profit (loss) for the period to be appropriated9905€-6k€34k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-6k€34k▲
Transfer from equity791/2€6k-
Transfer to equity691/2-€34k
To other reserves6921-€34k
The notes to these accounts (3 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
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 24 days late
2025
31-12
Financial
Back to profitnet €34k
Net result €34k after one loss-making year.
31-12
Financial
Equity above €150kEq €172k ▲24.9%
Equity rises from €138k to €172k.
15-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 76 days late
2024
31-12
Financial
Weakest financial yearnet €-6k ▼174%
Net result drops to €-6k, the lowest in the series; recovery starts the following year.
27-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 58 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
18-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 18 days late
2021
31-12
Financial
Equity above €100kEq €123k ▲26.9%
2 profitable years in a row build equity to €123k.
30-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 122 days late
2020
31-12
Financial
Back to profitnet €24k
Net result €24k after one loss-making year.
24-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 24 days late
2019
06-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 6 days late
2018
14-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 14 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
2 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, Liège · 1 establishment unit since 1989
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.
Place Emile-Dupont 154000 LiègeGround area
775 m²
Building footprint
492 m²
Volume, LiDAR
10,915 m³
2 parcels, Wallonia · tallest building 24.9 m, ±8 floors. Linked by address, not a title deed.
1 establishment unit
SIGNATURE SAINT-PAUL
since 19892.042.756.058
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62803A1380/00L000 | Wallonia | 711 m² | 1 · 457 m² | 24.9 m · 8 fl. |
| 62803A1639/00A000 | Wallonia | 64 m² | 1 · 35 m² | 13.2 m · 4 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 2,348 companies in sector 47621 we hold annual accounts for 1,246. 1,047 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-02-1989
Fiscal year end31-12
Activities, NACEBEL
47620Retail trade
47621Retail sale of newspapers and periodicals
52470
Sources
Crossroads Bank for EnterprisesNational Bank · 34 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:signature@outlook.be