SANS
ActiveSANS has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €50k and a net result of €16k. Equity is growing by ~15.1% per year across the filed fiscal years. Its solvency ranks better than 61% of 37978 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
100
/ 100
Excellent▲ +2 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100▲+32
Solvency100▲+2
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 2.9 against 2.34 in 2023), and 31.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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
not confirmed
2024
61 d late
2023
29 d late
2022
38 d early
2021
5 d early
2020
46 d early
2019
16 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€50k▲ 48.1%
2023 · €34k
2018: €19k
2019: €22k
2020: €35k
2021: €44k
2022: €47k
2023: €34k
2018 → 2024
Total assets
€74k▲ 26.3%
2023 · €58k
2018: €29k
2019: €31k
2020: €48k
2021: €69k
2022: €71k
2023: €58k
2018 → 2024
Net result
€16k▲ 252%
2023 · €5k
2018: €-14k
2019: €-4k
2020: €9k
2021: €10k
2022: €2k
2023: €5k
2018 → 2024
Working capital
€44k▲ 36.3%
2023 · €33k
2018: €16k
2019: €19k
2020: €28k
2021: €38k
2022: €45k
2023: €33k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€35k-€44k▲ 28.1%€47k▲ 5.6%€34k▼ 27.2%€50k▲ 48.1%
Operating result€21k-€19k▼ 7.9%€9k▼ 52.2%€15k▲ 59.3%€29k▲ 96.4%
Net result€9k-€10k▲ 6.5%€2k▼ 74.6%€5k▲ 88.2%€16k▲ 252%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 96% above 2023 and is the highest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €74k
Fixed assets
€6k▲ 332%
Current assets
€68k▲ 19.0%
Equity and liabilities €74k
Equity
€50k▲ 48.1%
Debt
€23k▼ 4.1%
The debt ratio falls from 41.8% to 31.8%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€31k▲
2023 · €15k
Cash flow
€19k▲
2023 · €5k
Solvency
68.2%▲
2023 · 58.2%
Current ratio
2.90▲
2023 · 2.34
Quick ratio
2.90▲
2023 · 2.34
Debt / equity
0.47▼
2023 · 0.72
ROE
32.5%▲
2023 · 13.7%
ROA
22.2%▲
2023 · 7.9%
Interest coverage
15.40▲
2023 · 9.93
Debt
€23k▼
2023 · €24k
Debt ≤ 1 year
€23k▼
2023 · €24k
Income taxes
€12k▲
2023 · €9k
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 · 2024 against 2023
Balance sheet
Code20232024
Total assets
20/58€58k€74k▲
Fixed assets
21/28€1k€6k▲
Tangible fixed assets
22/27€1k€6k▲
Current assets
29/58€57k€68k▲
Amounts receivable within one year
40/41€23k€40k▲
Cash & bank
54/58€34k€28k▼
Total equity & liabilities
10/49€58k€74k▲
Equity
10/15€34k€50k▲
Contributions / capital
10/11€6k€6k=
Reserves
13€28k€44k▲
Accumulated profits (losses)
14-€0
Amounts payable
17/49€24k€23k▼
Amounts payable within one year
42/48€24k€23k▼
Trade debts payable within one year
44€491€4k▲
Income statement
Code20232024
Gross operating margin
9900€19k€33k▲
Operating result
9901€15k€29k▲
Financial income
75€642€2k▲
Financial charges
65€2k€2k▲
Result before taxes
9903€14k€28k▲
Income taxes
67/77€9k€12k▲
Net result for the period
9904€5k€16k▲
Result to be appropriated
9905€5k€16k▲
Timeline · acts, filings and financial milestones
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
2024
31-12
Financial
Highest result since 2018net €16k ▲252%
Operating result €29k, net result €16k, both a record.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
23-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
26-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
15-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €9k
Net result €9k after 2 loss-making years.
15-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
2018
23-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
08-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
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Of 82,369 companies in sector 70200 we hold annual accounts for 51,486. 37,293 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-03-2007
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 21-07-2026. Scores and ratios are computed by Checked and are not a credit decision.