SEMANTICS
ActiveSEMANTICS has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €135k and a net result of €22k. Equity is growing by ~25.1% per year across the filed fiscal years. Its solvency ranks better than 29% of 2027 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability72▼-14
Solvency41▼-20
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity tight (current ratio 1.5 against 1.85 in 2024; short-term debt: 18.6% and cash: 5.1% of total assets), and 84.2% 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 85
Relative position
BE, all sectors
reference
Sector 85
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
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
15.8%
Return on assets
2.6%
Age of the figures
12 mo
neutral · Filed after the deadline
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 13-05-2026, 13 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
13 d late
2024
2 d early
2023
32 d early
2022
2 d late
2021
2 d late
2020
31 d late
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
17-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€135k▲ 19.9%
2024 · €113k
2018: €29k
2019: €31k
2020: €33k
2021: €37k
2022: €43k
2023: €69k
2024: €113k
2018 → 2025
Total assets
€853k▲ 172%
2024 · €313k
2018: €170k
2019: €172k
2020: €155k
2021: €192k
2022: €217k
2023: €272k
2024: €313k
2018 → 2025
Net result
€22k▼ 48.7%
2024 · €44k
2018: €2k
2019: €2k
2020: €3k
2021: €3k
2022: €6k
2023: €26k
2024: €44k
2018 → 2025
Working capital
€79k▼ 35.1%
2024 · €122k
2018: €46k
2019: €54k
2020: €49k
2021: €22k
2022: €33k
2023: €83k
2024: €122k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€37k-€43k▲ 17.2%€69k▲ 61.0%€113k▲ 63.5%€135k▲ 19.9%
Operating result€5k-€12k▲ 124%€36k▲ 206%€51k▲ 44.5%€44k▼ 14.3%
Net result€3k-€6k▲ 86.5%€26k▲ 315%€44k▲ 67.6%€22k▼ 48.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 14% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €853k
Fixed assets
€615k▲ 1,187%
Current assets
€237k▼ 10.5%
Equity and liabilities €853k
Equity
€135k▲ 19.9%
Debt
€718k▲ 258%
The debt ratio rises from 64.0% to 84.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€151k▲
2024 · €68k
Cash flow
€129k▲
2024 · €60k
Solvency
15.8%▼
2024 · 36.0%
Current ratio
1.50▼
2024 · 1.85
Quick ratio
1.50▼
2024 · 1.85
Debt / equity
5.31▲
2024 · 1.78
ROE
16.6%▼
2024 · 38.8%
ROA
2.6%▼
2024 · 14.0%
Interest coverage
8.90▼
2024 · 9.95
Debt
€718k▲
2024 · €200k
Debt ≤ 1 year
€158k▲
2024 · €143k
Debt > 1 year
€559k▲
2024 · €57k
Income taxes
€10k▼
2024 · €20k
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€313k€853k▲
Fixed assets21/28€48k€615k▲
Intangible fixed assets21€0-
Tangible fixed assets22/27€48k€615k▲
Land and buildings22-€581k
Furniture and vehicles24€48k€34k▼
Financial fixed assets28€75€75=
Current assets29/58€265k€237k▼
Amounts receivable within one year40/41€133k€194k▲
Trade receivables40€133k€194k▲
Other amounts receivable41€578€0▼
Cash at bank and in hand54/58€132k€44k▼
Equity and liabilities
Total equity and liabilities10/49€313k€853k▲
Equity10/15€113k€135k▲
Contributions10/11€19k€19k=
Reserves13€94k€116k▲
Distributable reserves133€94k€116k▲
Profit (loss) carried forward14€188€210▲
Amounts payable17/49€200k€718k▲
Amounts payable after more than one year17€57k€559k▲
Financial debts170/4€57k€559k▲
Amounts payable within one year42/48€143k€158k▲
Current portion of amounts payable after more than one year42€18k€50k▲
Trade debts44€89k€45k▼
Suppliers440/4€89k€45k▼
Advances received on contracts in progress46-€31k
Taxes, remuneration and social security45€26k€33k▲
Taxes450/3€26k€33k▲
Other amounts payable47/48€11k€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€107k▲
Other operating charges640/8€580€2k▲
Gross operating margin9900€68k€153k▲
Operating profit (loss)9901€51k€44k▼
Financial income75/76B€19k€5k▼
Recurring financial income75€19k€5k▼
Financial charges65/66B€7k€17k▲
Recurring financial charges65€7k€17k▲
Profit (loss) for the period before taxes9903€63k€32k▼
Income taxes67/77€20k€10k▼
Profit (loss) for the period9904€44k€22k▼
Profit (loss) for the period to be appropriated9905€44k€22k▼
Appropriation of the result
Profit (loss) to be appropriated9906€44k€23k▼
Profit (loss) brought forward from the previous period14P€139€188▲
Transfer to equity691/2€44k€22k▼
To other reserves6921€44k€22k▼
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
13-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 13 days late
2025
28-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Highest result since 2018net €44k ▲67.6%
Operating result €51k, net result €44k, both a record.
30-09
Financial
Equity above €100kEq €113k ▲63.5%
7 profitable years in a row build equity to €113k.
29-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
02-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 2 days late
2022
02-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 2 days late
2021
31-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Weakest financial yearnet €2k ▼10.9%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
06-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 6 days late
2018
28-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-03
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
7 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, Sint-Pieters-Woluwe · 1 establishment unit since 2000
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.
Tervurenlaan 1991150 Sint-Pieters-WoluweGround area
846 m²
Building footprint
231 m²
Volume, LiDAR
5,677 m³
Parcel 21019A0215/00P013, Brussels · tallest building 28.9 m, ±8 floors. Linked by address, not a title deed.
1 establishment unit
SEMANTICS
since 20002.115.819.824
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21019A0215/00P013 | Brussels | 846 m² | 1 · 231 m² | 28.9 m · 8 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.
Recognitions · licences · registrations
Quality registration as a provider
1 live approvalQuality registration as a provider
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Open Context
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Of 11,668 companies in sector 85599 we hold annual accounts for 1,329. 1,001 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-05-2000
Fiscal year end30-09
Activities, NACEBEL
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:hendrik.vanderheeren@semanticsbelgium.com