SECTEUR 42
ActiveSummary
SECTEUR 42 has been active since 1985 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €11k and a net result of €2k. Equity is shrinking by ~21.7% per year across the filed fiscal years. Its solvency ranks better than 12% of 502 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).
Checked score
Score 2025
75
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability81▲+1
Solvency36▲+3
Growth43▼-4
Track record100
Bankruptcy probability, 12 months
< 0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.0 against 0.79 in 2024; short-term debt: 66.5% and cash: 63.7% of total assets), and 88.6% of the assets are financed with debt.
Credit check 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 94
Relative position
BE, all sectors
reference
Sector 94
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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 12% of 502 sector peers (2025).
NBB · sector comparisonPosition among 502 sector peers
Solvency
better than 12%
← weakest
strongest →
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 01-07-2026, 30 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
30 d early
2024
83 d late
2023
40 d early
2022
40 d early
2021
40 d early
2020
38 d early
2019
37 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
€29k▼ 11.9%
2024 · €33k
2018: €16k
2019: €18k
2020: €7k
2021: €9k
2022: €20k
2023: €25k
2024: €33k
2018 → 2025
EBIT margin
-18.4%▼ 16.5pp
2024 · -1.9%
2018: 19.1%
2019: 25.6%
2020: -371.9%
2021: -163.2%
2022: -32.4%
2023: -44.4%
2024: -1.9%
2018 → 2025
Net result
€2k▲ 237%
2024 · €537
2018: €4k
2019: €4k
2020: €-25k
2021: €-9k
2022: €-245
2023: €-5k
2024: €537
2018 → 2025
Working capital
€185
2024 · €-20k
2018: €105k
2019: €128k
2020: €113k
2021: €84k
2022: €65k
2023: €-37k
2024: €-20k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€9k-€20k▲ 116%€25k▲ 24.9%€33k▲ 31.2%€29k▼ 11.9%
Equity€29k-€22k▼ 23.6%€11k▼ 51.9%€10k▼ 5.8%€11k▲ 9.5%
Operating result€-15k-€-7k▲ 57.2%€-11k▼ 71.4%€-646▲ 94.2%€-5k▼ 733%
Net result€-9k-€-245▲ 97.2%€-5k▼ 1,892%€537€2k▲ 237%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €5k in 2025 against €646 in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €96k
Fixed assets
€32k ▼ 38.0%
Current assets
€64k ▼ 16.5%
Equity and liabilities €96k
Equity
€11k ▲ 9.5%
Provisions
€11k =
Debt
€74k ▼ 30.9%
Debt's share of the balance-sheet total falls from 83.6% to 77.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€16k▲
2024 · €8k
Cash flow
€23k▲
2024 · €9k
Current ratio
1.00▲
2024 · 0.79
Quick ratio
0.99▲
2024 · 0.78
Debt to equity
6.78▼
2024 · 10.75
ROE
16.6%▲
2024 · 5.4%
ROA
1.9%▲
2024 · 0.4%
Interest coverage
25.91▲
2024 · 16.49
Debt ≤ 1 year
€64k▼
2024 · €97k
Staff costs
€471k▼
2024 · €560k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€128k€96k▼
Fixed assets21/28€52k€32k▼
Intangible fixed assets21€286€0▼
Tangible fixed assets22/27€51k€32k▼
Plant, machinery and equipment23€15k€12k▼
Furniture and vehicles24€5k€20k▲
Leasing and similar rights25€32k-
Current assets29/58€77k€64k▼
Stocks and contracts in progress3€1k€831▼
Stocks30/36€1k€831▼
Amounts receivable within one year40/41€66k€832▼
Trade receivables40€500€367▼
Other amounts receivable41€66k€465▼
Cash at bank and in hand54/58€9k€61k▲
Deferred charges and accrued income490/1€59€1k▲
Equity and liabilities
Total equity and liabilities10/49€128k€96k▼
Equity10/15€10k€11k▲
Profit (loss) carried forward14€8k€10k▲
Investment grants15€2k€1k▼
Provisions and deferred taxes16€11k€11k=
Provisions for liabilities and charges160/5€11k€11k=
Other liabilities and charges164/5€11k€11k=
Amounts payable17/49€107k€74k▼
Amounts payable within one year42/48€97k€64k▼
Trade debts44€24k€10k▼
Suppliers440/4€24k€10k▼
Taxes, remuneration and social security45€65k€45k▼
Remuneration and social security454/9€65k€45k▼
Accrued charges and deferred income492/3€10k€10k▲
Income statement
Code20242025
Turnover70€33k€29k▼
Non-recurring operating income76A€69k-
Goods, raw materials, services and sundry goods60/61€61k€58k▼
Remuneration, social security and pensions62€560k€471k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€21k▲
Other operating charges640/8€2k€2k▲
Non-recurring operating charges66A€0€186▲
Gross operating margin9900€580k€489k▼
Operating profit (loss)9901€-646€-5k▼
Financial income75/76B€2k€8k▲
Recurring financial income75€2k€1k▼
Non-recurring financial income76B-€6k
Financial charges65/66B€456€620▲
Recurring financial charges65€456€620▲
Profit (loss) for the period before taxes9903€537€2k▲
Profit (loss) for the period9904€537€2k▲
Profit (loss) for the period to be appropriated9905€537€2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€537€2k▲
From contributions791€7k€8k▲
Social balance
Average headcount (FTE)908710.09.8▼
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
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
22-10
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 83 days late
2024
31-12
Financial
Back to profitnet €537
Net result €537 after 4 loss-making years.
21-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
21-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
21-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
23-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Weakest financial yearnet €-25k ▼662%
Net result drops to €-25k, the lowest in the series; recovery starts the following year.
24-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Highest result since 2018net €4k ▲9.4%
Operating result €5k, net result €4k, both a record.
18-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
18-01
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 171 days late
2017
16-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
10 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, Charleroi · 1 establishment unit since 2004
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.
Rue Albert Delwarte 346042 CharleroiGround area
1,062 m²
Building footprint
220 m²
Volume, LiDAR
1,977 m³
Parcel 52040B0234/00H002, Wallonia · tallest building 15.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Maison des Jeunes de Lodelinsart et environs
since 20042.179.376.895
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52040B0234/00H002 | Wallonia | 1,062 m² | 1 · 220 m² | 15.3 m · 3 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.
Public money · subsidies and aid
Wallonia-Brussels Federation
2023 to 2025 · 23 entries · 748,869 EUR in total| Year | Entries | paid |
|---|---|---|
| 2025 | 6 | 262,541 EUR |
| 2024 | 7 | 250,028 EUR |
| 2023 | 10 | 236,300 EUR |
Budget allocations
Subventions aux centres de jeunes : fonctionnement et intervention dans la rémunération des animateurs (décret du 20 juillet 2000)
jeunesse
Projets particuliers d'animation d'organisation de jeunesse, de centres de jeunes et d'associations non reconnues
Similar companies · same sector, comparable size
What's Next Media
BE 0803.296.986
Heusden-Zolder · Eq €10k
Trackx
BE 0844.002.740
Brugge · Eq €9k
AROCA
BE 0412.495.864
Sambreville · Eq €13k
Maisons des Jeunes de la Basse Meuse
BE 0891.965.478
Dalhem · Eq €14k
PEVA Speelplein De Krabbers
BE 0597.662.332
Drogenbos · Eq €8k
Of 689 companies in sector 94991 we hold annual accounts for 172. 39 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formNon-profit association
Founded03-05-1985
Fiscal year end31-12
Activities, NACEBEL 2025
94991Youth work associations
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.