SELECTION cs
ActiveSELECTION cs has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €59k and a net result of €-16k. Equity is growing by ~15.2% per year across the filed fiscal years. Its solvency ranks better than 25% of 16974 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
51
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability10▼-25
Solvency51▼-4
Growth52=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 2.42 against 3.12 in 2024; short-term debt: 12.7% and cash: 1.9% of total assets), but 73.6% 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
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 · 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
26.4%
Return on assets
-7.2%
Age of the figures
15 mo
neutral · Filed after the deadline
The financial year that closed on 01-07-2025 was due by 01-02-2026 and was filed on 02-03-2026, 29 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
29 d late
2024
40 d late
2023
29 d late
2022
22 d late
2021
27 d late
2020
28 d late
2019
17 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 01-07-2026 and is due by 01-02-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
01-07-2026 close18-09-2026 today01-02-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€59k▼ 21.4%
2024 · €75k
2019: €37k
2020: €40k
2021: €47k
2022: €56k
2023: €74k
2024: €75k
2019 → 2025
Total assets
€224k▼ 9.7%
2024 · €248k
2019: €52k
2020: €55k
2021: €70k
2022: €83k
2023: €291k
2024: €248k
2019 → 2025
Net result
€-16k
2024 · €866
2019: €4k
2020: €3k
2021: €7k
2022: €10k
2023: €18k
2024: €866
2019 → 2025
Working capital
€40k▼ 31.2%
2024 · €59k
2019: €41k
2020: €40k
2021: €49k
2022: €51k
2023: €68k
2024: €59k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€47k-€56k▲ 19.5%€74k▲ 32.9%€75k▲ 1.2%€59k▼ 21.4%
Operating result€10k-€15k▲ 48.7%€23k▲ 51.7%€9k▼ 60.7%€-10k
Net result€7k-€10k▲ 38.8%€18k▲ 85.4%€866▼ 95.3%€-16k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €10k after €9k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €224k
Fixed assets
€155k▼ 4.1%
Current assets
€69k▼ 20.2%
Equity and liabilities €224k
Equity
€59k▼ 21.4%
Debt
€165k▼ 4.7%
The debt ratio rises from 69.7% to 73.6%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-3k▼
2024 · €16k
Cash flow
€-9k▼
2024 · €7k
Solvency
26.4%▼
2024 · 30.3%
Current ratio
2.42▼
2024 · 3.12
Quick ratio
2.42▼
2024 · 3.12
Debt / equity
2.79▲
2024 · 2.30
ROE
-27.2%▼
2024 · 1.2%
ROA
-7.2%▼
2024 · 0.3%
Interest coverage
-0.44▼
2024 · 1.88
Debt
€165k▼
2024 · €173k
Debt ≤ 1 year
€29k▲
2024 · €28k
Debt > 1 year
€136k▼
2024 · €144k
Income taxes
€177▼
2024 · €1k
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€248k€224k▼
Fixed assets21/28€161k€155k▼
Tangible fixed assets22/27€161k€155k▼
Land and buildings22€155k€150k▼
Furniture and vehicles24€1k€387▼
Other tangible fixed assets26€5k€5k▼
Current assets29/58€86k€69k▼
Amounts receivable within one year40/41€59k€64k▲
Trade receivables40€33k€37k▲
Other amounts receivable41€26k€27k▲
Cash at bank and in hand54/58€25k€4k▼
Deferred charges and accrued income490/1€2k€394▼
Equity and liabilities
Total equity and liabilities10/49€248k€224k▼
Equity10/15€75k€59k▼
Contributions10/11€19k€19k=
Outside capital11€19k€19k=
Share premium1100/10€9k€9k=
Other1109/19€10k€10k=
Reserves13€26k€26k=
Distributable reserves133€26k€26k=
Profit (loss) carried forward14€31k€15k▼
Amounts payable17/49€173k€165k▼
Amounts payable after more than one year17€144k€136k▼
Financial debts170/4€144k€136k▼
Amounts payable within one year42/48€28k€29k▲
Current portion of amounts payable after more than one year42€9k€9k▲
Financial debts43-€5k
Credit institutions430/8-€5k
Trade debts44€14k€7k▼
Suppliers440/4€14k€7k▼
Taxes, remuneration and social security45€5k€8k▲
Taxes450/3€3k€6k▲
Remuneration and social security454/9€2k€2k=
Accrued charges and deferred income492/3€576-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k▲
Other operating charges640/8€2k€3k▲
Gross operating margin9900€17k€-486▼
Operating profit (loss)9901€9k€-10k▼
Financial income75/76B€1k€1k▲
Recurring financial income75€1k€1k▲
Financial charges65/66B€8k€7k▼
Recurring financial charges65€8k€7k▼
Profit (loss) for the period before taxes9903€2k€-16k▼
Income taxes67/77€1k€177▼
Profit (loss) for the period9904€866€-16k▼
Profit (loss) for the period to be appropriated9905€866€-16k▼
Appropriation of the result
Profit (loss) to be appropriated9906€31k€15k▼
Profit (loss) brought forward from the previous period14P€30k€31k▲
The notes to these accounts (4 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
02-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 29 days late
2025
01-07
Financial
Weakest financial yearnet €-16k ▼1955%
Net result drops to €-16k, the lowest in the series.
13-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 40 days late
2024
01-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
01-07
Financial
Highest result since 2019net €18k ▲85.4%
Operating result €23k, net result €18k, both a record.
23-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 22 days late
2022
28-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 27 days late
2021
01-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 28 days late
2020
15-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
15-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
12-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
16-01
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
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, Evere · 1 establishment unit since 2007
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.
Goede Herderstraat 581140 EvereGround area
8,917 m²
Building footprint
1,047 m²
Volume, LiDAR
25,653 m³
2 parcels, Brussels · tallest building 31.3 m, ±10 floors. Linked by address, not a title deed.
1 establishment unit
SELECTION cs
since 20072.163.490.077
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21006A0199/00T007 | Brussels | 8,547 m² | 1 · 676 m² | 27.6 m · 8 fl. |
| 21810L2135/00W003 | Brussels | 370 m² | 1 · 370 m² | 31.3 m · 10 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.
Similar companies · same sector, comparable size
Consep
BE 0737.755.472
Puurs-Sint-Amands · Eq €59k
AVELEE
BE 0783.434.059
Sint-Pieters-Woluwe · Eq €59k
VGIT
BE 0782.847.606
Jette · Eq €59k
ITRAD
BE 0680.571.497
Brussel · Eq €59k
Solve ICT
BE 0549.987.030
Gent · Eq €59k
Of 29,996 companies in sector 62200 we hold annual accounts for 18,390. 15,451 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-02-2007
Fiscal year end01-07
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
72100
47400Retail sale of information and communication equipment
47410Retail trade
52487
Sources
Crossroads Bank for EnterprisesNational Bank · 18 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.