Smart Insights Lab
ActiveSmart Insights Lab has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €46k and a net result of €80k. Equity is shrinking by ~12.4% per year across the filed fiscal years. Its solvency ranks better than 18% of 8091 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
79
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency42▲+2
Growth58=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity tight (current ratio 1.11 against 0.96 in 2023; short-term debt: 45.1% and cash: 29.3% of total assets), and 83.5% of the assets are financed with debt.
Credit advice 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
16.5%
Return on assets
28.4%
Age of the figures
21 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 8091 sector peers (2024).
NBB · sector comparisonPosition among 8091 sector peers
Solvency
better than 18%
← weakest
strongest →
lowers risk · Growing equity
Reported equity is higher than in 2022 and did not fall compared with 2023. These amounts do not establish the cause of the change.
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year €46k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 24-06-2025, 37 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
not confirmed
2024
37 d early
2023
47 d early
2022
32 d early
2021
30 d early
2020
29 d early
2019
on the day
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€46k▲ 11.9%
2023 · €41k
2018: €80k
2019: €95k
2020: €62k
2021: €75k
2022: €41k
2023: €41k
2018 → 2024
Total assets
€281k▼ 0.6%
2023 · €283k
2018: €113k
2019: €263k
2020: €346k
2021: €311k
2022: €280k
2023: €283k
2018 → 2024
Net result
€80k▼ 5.9%
2023 · €85k
2018: €77k
2019: €22k
2020: €65k
2021: €102k
2022: €73k
2023: €85k
2018 → 2024
Working capital
€14k
2023 · €-4k
2018: €80k
2019: €39k
2020: €-814
2021: €16k
2022: €-18k
2023: €-4k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€62k-€75k▲ 21.6%€41k▼ 44.6%€41k▲ 0.1%€46k▲ 11.9%
Operating result€85k-€131k▲ 55.2%€98k▼ 25.7%€109k▲ 12.0%€105k▼ 3.7%
Net result€65k-€102k▲ 57.9%€73k▼ 28.9%€85k▲ 16.7%€80k▼ 5.9%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 4% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €281k
Fixed assets
€141k▼ 13.2%
Current assets
€141k▲ 16.3%
Equity and liabilities €281k
Equity
€46k▲ 11.9%
Debt
€235k▼ 2.7%
The debt ratio falls from 85.3% to 83.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€127k▼
2023 · €131k
Cash flow
€101k▼
2023 · €107k
Solvency
16.5%▲
2023 · 14.7%
Current ratio
1.11▲
2023 · 0.96
Quick ratio
1.11▲
2023 · 0.96
Debt / equity
5.06▼
2023 · 5.82
ROE
172.1%▼
2023 · 204.7%
ROA
28.4%▼
2023 · 30.0%
Interest coverage
58.10▲
2023 · 40.02
Debt
€235k▼
2023 · €242k
Debt ≤ 1 year
€127k▲
2023 · €126k
Debt > 1 year
€108k▼
2023 · €116k
Income taxes
€23k▼
2023 · €25k
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€283k€281k▼
Fixed assets21/28€162k€141k▼
Tangible fixed assets22/27€162k€141k▼
Land and buildings22€147k€133k▼
Furniture and vehicles24€15k€7k▼
Current assets29/58€121k€141k▲
Amounts receivable within one year40/41€61k€46k▼
Trade receivables40€57k€42k▼
Other amounts receivable41€4k€4k▼
Current investments50/53€11k€11k▲
Cash at bank and in hand54/58€48k€82k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€283k€281k▼
Equity10/15€41k€46k▲
Contributions10/11€23k€23k=
Reserves13€18k€23k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€18k€23k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€242k€235k▼
Amounts payable after more than one year17€116k€108k▼
Financial debts170/4€116k€108k▼
Amounts payable within one year42/48€126k€127k▲
Current portion of amounts payable after more than one year42€9k€8k▼
Financial debts43€19€406▲
Credit institutions430/8€19€406▲
Trade debts44€6k€521▼
Suppliers440/4€6k€521▼
Taxes, remuneration and social security45€26k€27k▲
Taxes450/3€23k€18k▼
Remuneration and social security454/9€3k€9k▲
Other amounts payable47/48€85k€91k▲
Income statement
Code20232024
Non-recurring operating income76A€1k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€21k▼
Other operating charges640/8€2k€2k▼
Gross operating margin9900€133k€128k▼
Operating profit (loss)9901€109k€105k▼
Financial income75/76B€4k€70▼
Recurring financial income75€317€70▼
Non-recurring financial income76B€4k€0▼
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Non-recurring financial charges66B€0-
Profit (loss) for the period before taxes9903€110k€103k▼
Income taxes67/77€25k€23k▼
Profit (loss) for the period9904€85k€80k▼
Profit (loss) for the period to be appropriated9905€85k€80k▼
Appropriation of the result
Profit (loss) to be appropriated9906€85k€80k▼
Transfer from equity791/2€0-
Transfer to equity691/2€27€5k▲
To other reserves6921€27€5k▲
Profit to be distributed694/7€85k€75k▼
Return on contributions (dividend)694€85k€75k▼
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
24-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
14-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Highest result since 2018net €102k ▲57.9%
Operating result €131k, net result €102k, both a record.
02-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €22k ▼71.8%
Net result drops to €22k, the lowest in the series; recovery starts the following year.
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
23-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Ronse · 1 establishment unit since 2016
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.
Edouard Jolystraat 139600 RonseGround area
1,260 m²
Building footprint
160 m²
Volume, LiDAR
825 m³
Parcel 45041B0234/00G000, Flanders · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Smart Insights Lab
since 20162.257.449.722
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45041B0234/00G000 | Flanders | 1,260 m² | 1 · 160 m² | 7.8 m · 2 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
Legal Entity Identifier
894500WL9HBCLSF7UA35
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Of 82,524 companies in sector 70200 we hold annual accounts for 52,566. 37,728 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-10-2016
Fiscal year end31-12
Abbreviation NL
SIL
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.