Sin Carga
ActiveSin Carga has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €16k and a net result of €45k. Equity is shrinking by ~33.3% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 22% of 31487 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
65
/ 100
Healthy▼ -33 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency24▼-76
Growth58=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.01 against 11.45 in 2024), and 81.4% 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
18.6%
Return on assets
51.8%
Age of the figures
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 31487 sector peers (2025).
NBB · sector comparisonPosition among 31487 sector peers
Solvency
better than 22%
← 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 19-05-2026, 73 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
73 d early
2024
9 d early
2023
34 d early
2022
31 d late
← before the deadline
after the deadline →
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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€16k▼ 84.2%
2024 · €103k
2022: €137k
2023: €107k
2024: €103k
2022 → 2025
Total assets
€88k▼ 21.7%
2024 · €112k
2022: €176k
2023: €129k
2024: €112k
2022 → 2025
Net result
€45k▼ 25.6%
2024 · €61k
2022: €36k
2023: €58k
2024: €61k
2022 → 2025
Working capital
€627▼ 99.3%
2024 · €89k
2022: €127k
2023: €86k
2024: €89k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€137k-€107k▼ 21.8%€103k▼ 3.5%€16k▼ 84.2%
Operating result€46k-€75k▲ 61.8%€78k▲ 3.9%€58k▼ 25.6%
Net result€36k-€58k▲ 64.2%€61k▲ 4.4%€45k▼ 25.6%
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 26% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €88k
Fixed assets
€16k▲ 7.1%
Current assets
€72k▼ 26.1%
Equity and liabilities €88k
Equity
€16k▼ 84.2%
Debt
€71k▲ 739%
The debt ratio rises from 7.6% to 81.4%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€65k▼
2024 · €86k
Cash flow
€53k▼
2024 · €70k
Solvency
18.6%▼
2024 · 92.4%
Current ratio
1.01▼
2024 · 11.45
Quick ratio
1.01▼
2024 · 11.45
Debt / equity
4.36▲
2024 · 0.08
ROE
277.5%▲
2024 · 58.9%
ROA
51.8%▼
2024 · 54.5%
Interest coverage
322.60▼
2024 · 468.14
Debt
€71k▲
2024 · €8k
Debt ≤ 1 year
€71k▲
2024 · €8k
Income taxes
€12k▼
2024 · €17k
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€112k€88k▼
Fixed assets21/28€15k€16k▲
Tangible fixed assets22/27€15k€16k▲
Land and buildings22-€4k
Furniture and vehicles24€15k€12k▼
Current assets29/58€97k€72k▼
Amounts receivable within one year40/41€56k€50k▼
Trade receivables40€53k€45k▼
Other amounts receivable41€2k€6k▲
Cash at bank and in hand54/58€40k€20k▼
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€112k€88k▼
Equity10/15€103k€16k▼
Contributions10/11€1k€1k=
Reserves13€102k€15k▼
Distributable reserves133€102k€15k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€8k€71k▲
Amounts payable within one year42/48€8k€71k▲
Current portion of amounts payable after more than one year42€504€0▼
Trade debts44€302€781▲
Suppliers440/4€302€781▲
Taxes, remuneration and social security45€8k€11k▲
Taxes450/3€8k€11k▲
Remuneration and social security454/9€0-
Other amounts payable47/48€0€59k▲
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€8k▼
Other operating charges640/8€1k€1k▼
Gross operating margin9900€87k€66k▼
Operating profit (loss)9901€78k€58k▼
Financial income75/76B€2€0▼
Recurring financial income75€2€0▼
Financial charges65/66B€184€202▲
Recurring financial charges65€184€202▲
Profit (loss) for the period before taxes9903€77k€58k▼
Income taxes67/77€17k€12k▼
Profit (loss) for the period9904€61k€45k▼
Profit (loss) for the period to be appropriated9905€61k€45k▼
Appropriation of the result
Profit (loss) to be appropriated9906€61k€45k▼
Transfer from equity791/2€65k€87k▲
Transfer to equity691/2€61k€0▼
To other reserves6921€61k€0▼
Profit to be distributed694/7€65k€132k▲
Return on contributions (dividend)694€65k€132k▲
The notes to these accounts (6 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
19-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2022net €61k ▲4.4%
Operating result €78k, net result €61k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 11.45
Current ratio from 4.88 to 11.45; short-term debt falls from €22k to €8k.
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
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
Directors
2 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, Putte · 1 establishment unit since 2019
Ground area
934 m²
Building footprint
131 m²
Volume, LiDAR
591 m³
Parcel 12029A0393/00W002, Flanders · tallest building 7.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Zoetewei 41, 2580 Putte
since 20192.285.178.953
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12029A0393/00W002 | Flanders | 934 m² | 1 · 131 m² | 7.5 m · 1 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.
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Of 82,201 companies in sector 70200 we hold annual accounts for 52,400. 28,275 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-02-2019
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 10-09-2026. Scores and ratios are computed by Checked and are not a credit decision.