S & A
ActiveS & A has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €75k and a net result of €-5k. Equity is growing by ~16.8% per year across the filed fiscal years. Its solvency ranks better than 36% of 257 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
53
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability29▼-45
Solvency51▼-4
Growth78=
Track record100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity short (current ratio 0.79 against 0.25 in 2024; short-term debt: 74% and cash: 42.9% of total assets), and 74% 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 61
Relative position
BE, all sectors
reference
Sector 61
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
26%
Return on assets
-1.8%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 19-11-2025, 73 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
73 d early
2024
43 d early
2023
12 d early
2022
46 d early
2021
5 d early
2020
33 d early
2019
1 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close19-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€75k▼ 6.5%
2024 · €81k
2019: €-565
2020: €-11k
2021: €80k
2022: €100k
2023: €69k
2024: €81k
2019 → 2025
Total assets
€291k▲ 8.8%
2024 · €267k
2019: €207k
2020: €156k
2021: €360k
2022: €258k
2023: €224k
2024: €267k
2019 → 2025
Net result
€-5k
2024 · €12k
2019: €-37k
2020: €-10k
2021: €90k
2022: €20k
2023: €-31k
2024: €12k
2019 → 2025
Working capital
€-44k▲ 68.3%
2024 · €-140k
2019: €-38k
2020: €-46k
2021: €28k
2022: €-90k
2023: €-128k
2024: €-140k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€80k-€100k▲ 25.2%€69k▼ 30.7%€81k▲ 17.0%€75k▼ 6.5%
Operating result€117k-€31k▼ 73.8%€-23k€14k€22k▲ 61.7%
Net result€90k-€20k▼ 77.8%€-31k€12k€-5k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 62% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €291k
Fixed assets
€120k▼ 45.7%
Current assets
€171k▲ 265%
Equity and liabilities €291k
Equity
€75k▼ 6.5%
Debt
€215k▲ 15.5%
The debt ratio rises from 69.8% to 74.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€41k▲
2024 · €39k
Cash flow
€13k▼
2024 · €37k
Solvency
26.0%▼
2024 · 30.2%
Current ratio
0.79▲
2024 · 0.25
Quick ratio
0.69▲
2024 · 0.13
Debt / equity
2.85▲
2024 · 2.31
ROE
-7.0%▼
2024 · 14.5%
ROA
-1.8%▼
2024 · 4.4%
Interest coverage
1.52▼
2024 · 97.27
Debt
€215k▲
2024 · €186k
Debt ≤ 1 year
€215k▲
2024 · €186k
Income taxes
€590▼
2024 · €2k
Staff costs
€54k▲
2024 · €49k
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€267k€291k▲
Fixed assets21/28€220k€120k▼
Tangible fixed assets22/27€220k€119k▼
Land and buildings22€103k€99k▼
Plant, machinery and equipment23-€1,000
Furniture and vehicles24€116k€19k▼
Leasing and similar rights25€2k€0▼
Financial fixed assets28€200€200=
Current assets29/58€47k€171k▲
Stocks and contracts in progress3€22k€22k=
Stocks30/36€22k€22k=
Amounts receivable within one year40/41€21k€24k▲
Trade receivables40€19k€24k▲
Other amounts receivable41€1k€369▼
Cash at bank and in hand54/58€4k€125k▲
Equity and liabilities
Total equity and liabilities10/49€267k€291k▲
Equity10/15€81k€75k▼
Contributions10/11€6k€6k=
Reserves13€104k€104k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€0▼
Other1319-€2k
Tax-exempt reserves132€773€773=
Distributable reserves133€102k€102k=
Profit (loss) carried forward14€-30k€-35k▼
Amounts payable17/49€186k€215k▲
Amounts payable within one year42/48€186k€215k▲
Current portion of amounts payable after more than one year42€2k€0▼
Financial debts43€102k€102k=
Credit institutions430/8€13€0▼
Other loans439€102k€102k=
Trade debts44€34k€25k▼
Suppliers440/4€34k€25k▼
Taxes, remuneration and social security45€8k€12k▲
Taxes450/3€2k€4k▲
Remuneration and social security454/9€6k€8k▲
Other amounts payable47/48€41k€76k▲
Income statement
Code20242025
Non-recurring operating income76A€15k€0▼
Remuneration, social security and pensions62€49k€54k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€19k▼
Other operating charges640/8€11k€7k▼
Non-recurring operating charges66A-€42k
Gross operating margin9900€99k€144k▲
Operating profit (loss)9901€14k€22k▲
Financial income75/76B€0€19▲
Recurring financial income75€0€19▲
Financial charges65/66B€404€27k▲
Recurring financial charges65€404€27k▲
Profit (loss) for the period before taxes9903€13k€-5k▼
Income taxes67/77€2k€590▼
Profit (loss) for the period9904€12k€-5k▼
Profit (loss) for the period to be appropriated9905€12k€-5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-18k€-35k▼
Profit (loss) brought forward from the previous period14P€-30k€-30k=
Transfer to equity691/2€12k€0▼
To the legal reserve6920€12k€0▼
The notes to these accounts (9 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
2025
19-11
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
19-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-06
Financial
Back to profitnet €12k
Net result €12k after one loss-making year.
19-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
16-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
26-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Back to profitnet €90k
Net result €90k after 2 loss-making years.
30-06
Financial
Liquidity quadruplescurrent ratio 1.15
Current ratio from 0.27 to 1.15.
2020
29-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
30-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
29-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
15 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, Oostende · 1 establishment unit 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.
Torhoutsesteenweg 1128400 OostendeGround area
137 m²
Building footprint
137 m²
Parcel 35383C0324/00S006, Flanders. Linked by address, not a title deed.
1 establishment unit
CYBERCAFE
since 20112.201.909.205
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35383C0324/00S006 | Flanders | 137 m² | 1 · 137 m² | - |
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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteOostende2.201.909.205
Similar companies · same sector, comparable size
NAVYA
BE 0878.236.713
Brussel · Eq €75k
LAURENT GIQUELLO
BE 0734.463.709
Sint-Lambrechts-Woluwe · Eq €75k
KNK CONNECT
BE 1001.318.825
Schaarbeek · Eq €76k
SANO
BE 0874.761.737
Peer · Eq €74k
KIM WORLDWIDE
BE 0679.631.587
Sint-Jans-Molenbeek · Eq €77k
Of 1,376 companies in sector 61100 we hold annual accounts for 586. 404 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded26-10-2005
Fiscal year end30-06
Activities, NACEBEL
47252Retail sale of beverages, general range
61100Wired, wireless and satellite telecommunications
61200Telecommunications
64200Holdings
52250Logistics services
64202
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.