S.A.C.B.
ActiveS.A.C.B. has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €193k and a net result of €102k. Equity is growing by ~55.6% per year across the filed fiscal years. Its solvency ranks better than 38% of 12685 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability98▲+12
Solvency69▲+19
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity ample (current ratio 1.76 against 0.75 in 2024; short-term debt: 18.4% and cash: 4.9% of total assets), but 56.5% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← 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
43.5%
Return on assets
23%
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 31-08-2026, 31 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 · 9 filingsDeviation from the deadline
2025
31 d late
2024
2 d early
2023
16 d early
2022
9 d late
2021
9 d late
2020
23 d late
2019
28 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€193k▲ 112%
2024 · €91k
2018: €7k
2019: €12k
2020: €12k
2021: €22k
2022: €32k
2023: €41k
2024: €91k
2018 → 2025
Total assets
€444k▲ 23.5%
2024 · €359k
2018: €71k
2019: €84k
2020: €68k
2021: €71k
2022: €51k
2023: €581k
2024: €359k
2018 → 2025
Net result
€102k▲ 104%
2024 · €50k
2018: €-449
2019: €5k
2020: €161
2021: €10k
2022: €10k
2023: €9k
2024: €50k
2018 → 2025
Working capital
€62k
2024 · €-16k
2018: €323
2019: €-3k
2020: €-4k
2021: €-155
2022: €11k
2023: €-24k
2024: €-16k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€22k-€32k▲ 46.7%€41k▲ 27.3%€91k▲ 122%€193k▲ 112%
Operating result€16k-€17k▲ 5.9%€18k▲ 1.9%€81k▲ 354%€148k▲ 83.2%
Net result€10k-€10k▲ 4.1%€9k▼ 14.4%€50k▲ 471%€102k▲ 104%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 83% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €444k
Fixed assets
€300k▼ 4.2%
Current assets
€144k▲ 213%
Equity and liabilities €444k
Equity
€193k▲ 112%
Debt
€251k▼ 6.6%
The debt ratio falls from 74.7% to 56.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€161k▲
2024 · €95k
Cash flow
€116k▲
2024 · €64k
Solvency
43.5%▲
2024 · 25.3%
Current ratio
1.76▲
2024 · 0.75
Quick ratio
1.76▲
2024 · 0.75
Debt / equity
1.30▼
2024 · 2.95
ROE
52.9%▼
2024 · 55.0%
ROA
23.0%▲
2024 · 13.9%
Interest coverage
19.72▲
2024 · 10.29
Debt
€251k▼
2024 · €268k
Debt ≤ 1 year
€82k▲
2024 · €61k
Debt > 1 year
€159k▼
2024 · €207k
Income taxes
€37k▲
2024 · €21k
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€359k€444k▲
Fixed assets21/28€313k€300k▼
Intangible fixed assets21€8k€1k▼
Tangible fixed assets22/27€24k€17k▼
Furniture and vehicles24€24k€17k▼
Financial fixed assets28€282k€282k=
Current assets29/58€46k€144k▲
Amounts receivable within one year40/41€20k€119k▲
Trade receivables40€20k€119k▲
Other amounts receivable41€7€11▲
Cash at bank and in hand54/58€24k€22k▼
Deferred charges and accrued income490/1€1k€3k▲
Equity and liabilities
Total equity and liabilities10/49€359k€444k▲
Equity10/15€91k€193k▲
Contributions10/11€12k€12k=
Reserves13€79k€181k▲
Distributable reserves133€79k€181k▲
Amounts payable17/49€268k€251k▼
Amounts payable after more than one year17€207k€159k▼
Financial debts170/4€207k€159k▼
Amounts payable within one year42/48€61k€82k▲
Current portion of amounts payable after more than one year42€51k€58k▲
Trade debts44€1k€387▼
Suppliers440/4€1k€387▼
Taxes, remuneration and social security45€9k€19k▲
Taxes450/3€9k€19k▲
Other amounts payable47/48€298€4k▲
Accrued charges and deferred income492/3-€10k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€14k▼
Other operating charges640/8€2k€1k▼
Gross operating margin9900€96k€163k▲
Operating profit (loss)9901€81k€148k▲
Financial income75/76B€0€0▼
Recurring financial income75€0€0▼
Financial charges65/66B€9k€8k▼
Recurring financial charges65€9k€8k▼
Profit (loss) for the period before taxes9903€71k€139k▲
Income taxes67/77€21k€37k▲
Profit (loss) for the period9904€50k€102k▲
Profit (loss) for the period to be appropriated9905€50k€102k▲
Appropriation of the result
Profit (loss) to be appropriated9906€50k€102k▲
Transfer to equity691/2€50k€102k▲
To other reserves6921€50k€102k▲
The notes to these accounts (14 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Highest result since 2018net €102k ▲104%
Operating result €148k, net result €102k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 1.76
Current ratio from 0.75 to 1.76.
31-12
Financial
Equity above €150kEq €193k ▲112%
7 profitable years in a row build equity to €193k.
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
15-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
09-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 9 days late
2022
09-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 9 days late
2021
23-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 23 days late
2020
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
2019
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
07-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 7 days late
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, Maldegem · 2 establishment units since 2016
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.
Schautenstraat 252 C9990 MaldegemGround area
2,111 m²
Building footprint
570 m²
Volume, LiDAR
3,181 m³
3 parcels, Flanders · tallest building 12.0 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
S.A.C.B.
since 20162.251.064.944
Baron Ruzettelaan 417, 8310 Brugge
since 20212.324.463.062
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 43503F0385/00G002 | Flanders | 1,024 m² | 1 · 182 m² | 6.5 m · 2 fl. |
| 43503F0385/00L002 | Flanders | 707 m² | 1 · 204 m² | 7.9 m · 1 fl. |
| 31434C0501/00C009 | Flanders | 379 m² | 1 · 184 m² | 12.0 m · 3 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 3 entries · 280 EUR awarded · 280 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 41 EUR | 41 EUR |
| 2023 | 1 | 47 EUR | 47 EUR |
| 2022 | 1 | 192 EUR | 192 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 1,020 companies in sector 69103 we hold annual accounts for 611. 486 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-03-2016
Fiscal year end31-12
Activities, NACEBEL
69103Activities of bailiffs
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.