SERVICES & ASSETS MANAGEMENT
ActiveFor SERVICES & ASSETS MANAGEMENT, one filing cycle of the annual accounts is missing. The 2024 annual accounts show equity of €906k and a net result of €-67k. Equity is shrinking by ~4.7% per year across the filed fiscal years. Its solvency ranks better than 62% of 19357 sector peers (fiscal year 2024). The company has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
No current score
Figures too old
The available figures for FY 2024 are too old to assess current financial health.
Filing: One filing cycle is missing
Axes, FY 2024 · tick = 2023
Profitability15▲+5
Solvency71▲+12
Growth58▲+26
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit advice for your own amount and term
Signals
Eight 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 68
Relative position
BE, all sectors
reference
Sector 68
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 2024Solvency, return and age of the figures
Solvency
45.9%
Return on assets
-3.4%
Age of the figures
27 mo
raises risk · Annual accounts not filed
The financial year that closed on 30-06-2025 was due at the National Bank by 31-01-2026. Nothing is on record, 233 days later.
NBB · 10 filingsPosition against the passed deadline
30-06-2025 close31-01-2026 deadline21-09-2026 today
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2024 was due by 31-01-2025 and was filed on 31-01-2025, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not filed
2024
on the day
2023
5 d early
2022
6 d early
2021
on the day
2019
144 d late
2017
56 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Turnover
€0
Total assets
€1.98M▼ 30.0%
2023 · €2.82M
2019: €2.20M
2021: €2.63M
2022: €2.11M
2023: €2.82M
2019 → 2024
Net result
€-67k▲ 67.0%
2023 · €-202k
2019: €-79k
2021: €603k
2022: €-36k
2023: €-202k
2019 → 2024
Working capital
€-111k▼ 126%
2023 · €-49k
2019: €1.83M
2021: €2.10M
2022: €2.07M
2023: €-49k
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20192021202220232024Trend
Turnover€0
Equity€1.08M-€1.21M▲ 11.9%€1.18M▼ 2.9%€973k▼ 17.2%€906k▼ 6.9%
Operating result€-1k-€775k€-21k€-56k▼ 171%€-73k▼ 29.6%
Net result€-79k-€603k€-36k€-202k▼ 466%€-67k▲ 67.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €73k in 2024 against €56k in 2023; the loss grows and 2024 has the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.88M
Fixed assets
€1.80M▼ 0.8%
Current assets
€85k▼ 90.7%
Equity and liabilities €1.98M
Equity
€906k▼ 6.9%
Provisions
€874k▼ 1.3%
Debt
€195k▼ 79.7%
The debt ratio falls from 34.1% to 9.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-29k▼
2023 · €-20k
Cash flow
€-23k▲
2023 · €-166k
Solvency
45.9%▲
2023 · 34.5%
Current ratio
0.43▼
2023 · 0.95
Quick ratio
0.43▼
2023 · 0.95
Debt / equity
0.22▼
2023 · 0.99
ROE
-7.4%▲
2023 · -20.8%
ROA
-3.4%▲
2023 · -7.2%
Interest coverage
-27.59▼
2023 · -0.12
Debt
€195k▼
2023 · €963k
Debt ≤ 1 year
€195k▼
2023 · €962k
Income taxes
€5k
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
Assets
Total assets20/58€2.82M€1.98M▼
Formation expenses20€95k€93k▼
Fixed assets21/28€1.81M€1.80M▼
Tangible fixed assets22/27€1.81M€1.80M▼
Land and buildings22€1.79M€1.75M▼
Plant, machinery and equipment23€21k€40k▲
Furniture and vehicles24€544€5k▲
Financial fixed assets28€0-
Current assets29/58€912k€85k▼
Amounts receivable within one year40/41€51k€52k▲
Trade receivables40€0€0=
Other amounts receivable41€51k€52k▲
Current investments50/53€777k€0▼
Cash at bank and in hand54/58€77k€32k▼
Deferred charges and accrued income490/1€8k€312▼
Equity and liabilities
Total equity and liabilities10/49€2.82M€1.98M▼
Equity10/15€973k€906k▼
Contributions10/11€63k€63k=
Reserves13€1.07M€1.04M▼
Non-distributable reserves130/1€6k€6k=
Reserves not available under the articles1311€6k€6k=
Tax-exempt reserves132€917k€889k▼
Distributable reserves133€145k€145k=
Profit (loss) carried forward14€-158k€-197k▼
Provisions and deferred taxes16€886k€874k▼
Provisions for liabilities and charges160/5€500k€500k=
Major repairs and maintenance162€500k€500k=
Deferred taxes168€385k€373k▼
Amounts payable17/49€963k€195k▼
Amounts payable within one year42/48€962k€195k▼
Trade debts44€746€2k▲
Suppliers440/4€746€2k▲
Taxes, remuneration and social security45€17k€0▼
Taxes450/3€17k€0▼
Other amounts payable47/48€944k€194k▼
Accrued charges and deferred income492/3€1k€0▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€36k€44k▲
Other operating charges640/8€3k€2k▼
Gross operating margin9900€-17k€-26k▼
Operating profit (loss)9901€-56k€-73k▼
Financial income75/76B€8k€0▼
Recurring financial income75€8k€0▼
Financial charges65/66B€166k€1k▼
Recurring financial charges65€166k€1k▼
Profit (loss) for the period before taxes9903€-214k€-74k▲
Transfer from deferred taxes780€12k€12k=
Income taxes67/77-€5k
Profit (loss) for the period9904€-202k€-67k▲
Transfer from tax-exempt reserves789€28k€28k=
Profit (loss) for the period to be appropriated9905€-174k€-38k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-158k€-197k▼
Profit (loss) brought forward from the previous period14P€15k€-158k▼
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
26-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Weakest financial yearnet €-202k
Net result drops to €-202k, the lowest in the series; recovery starts the following year.
25-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Liquidity times 12current ratio 61.52
Current ratio from 5.03 to 61.52; short-term debt falls from €522k to €34k.
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Back to profitnet €603k
Net result €603k after one loss-making year.
2020
22-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 144 days late
2018
25-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 56 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 60 days late
2016
28-06
NBB filing
Annual accounts filed
fiscal year 2015 · full schema
2015
21-08
NBB filing
Annual accounts filed
fiscal year 2014 · full schema · 21 days late
2014
30-09
NBB filing
Annual accounts filed
fiscal year 2013 · full schema · 61 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
11 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, Etterbeek · 1 establishment unit since 2003
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.
Priester Cuypersstraat 31040 EtterbeekGround area
1.1 ha
Building footprint
9,914 m²
Volume, LiDAR
56,809 m³
2 parcels, Brussels, Wallonia · tallest building 17.0 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
CARAT SERVICES & ASSETS MANAGEMENT
since 20032.137.106.572
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62020A0258/00Z000 | Wallonia | 1.0 ha | 1 · 9,785 m² | 14.1 m · 2 fl. |
| 21005A0542/00B006 | Brussels | 325 m² | 1 · 129 m² | 17.0 m · 5 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.
Recognitions · licences · registrations
Legal Entity Identifier
967600Q570NZUW19MX14
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Of 12,023 companies in sector 68203 we hold annual accounts for 5,986. 4,193 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded23-12-2003
Fiscal year end30-06
Activities, NACEBEL
68203Renting and operating of own or leased non-residential real estate, excluding land
70200Business and other management consultancy
70220Business consulting
77400Rental and leasing activities
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.