SPEECH ACT
ActiveSPEECH ACT has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €317k and a net result of €299k. Equity is growing by ~19.9% per year across the filed fiscal years. Its solvency ranks better than 27% of 8601 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+53
Solvency51▲+24
Growth78▲+46
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 2.08 against 0.76 in 2024; short-term debt: 19.2% and cash: 21.8% of total assets), but 73.6% 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 →
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
26.4%
Return on assets
24.9%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 11-08-2026, 11 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 · 8 filingsDeviation from the deadline
2025
11 d late
2024
35 d early
2023
120 d late
2022
574 d late
2021
19 d late
2020
20 d late
2019
27 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€317k▲ 1,695%
2024 · €18k
2018: €52k
2019: €72k
2020: €80k
2021: €89k
2022: €113k
2023: €136k
2024: €18k
2018 → 2025
Total assets
€1.20M▲ 49.1%
2024 · €807k
2018: €78k
2019: €92k
2020: €94k
2021: €978k
2022: €949k
2023: €858k
2024: €807k
2018 → 2025
Net result
€299k
2024 · €-4k
2018: €40k
2019: €20k
2020: €8k
2021: €2k
2022: €25k
2023: €23k
2024: €-4k
2018 → 2025
Working capital
€249k
2024 · €-18k
2018: €48k
2019: €68k
2020: €57k
2021: €99k
2022: €63k
2023: €30k
2024: €-18k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€89k-€113k▲ 27.6%€136k▲ 20.4%€18k▼ 87.0%€317k▲ 1,695%
Operating result€-41-€42k€40k▼ 4.6%€7k▼ 82.5%€407k▲ 5,755%
Net result€2k-€25k▲ 1,199%€23k▼ 5.7%€-4k€299k
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 recovers in 2025; 2025 is 5,755% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.20M
Fixed assets
€722k▼ 3.7%
Current assets
€480k▲ 750%
Equity and liabilities €1.20M
Equity
€317k▲ 1,695%
Debt
€886k▲ 12.3%
The debt ratio falls from 97.8% to 73.6%. Equity and debt are higher.
Key figures and ratios
EBITDA
€435k▲
2024 · €35k
Cash flow
€327k▲
2024 · €24k
Solvency
26.4%▲
2024 · 2.2%
Current ratio
2.08▲
2024 · 0.76
Quick ratio
2.08▲
2024 · 0.76
Debt / equity
2.79▼
2024 · 44.65
ROE
94.4%▲
2024 · -20.8%
ROA
24.9%▲
2024 · -0.5%
Interest coverage
46.90▲
2024 · 3.46
Debt
€886k▲
2024 · €789k
Debt ≤ 1 year
€231k▲
2024 · €75k
Debt > 1 year
€654k▼
2024 · €705k
Income taxes
€99k▲
2024 · €659
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€807k€1.20M▲
Fixed assets21/28€750k€722k▼
Tangible fixed assets22/27€747k€720k▼
Land and buildings22€742k€718k▼
Furniture and vehicles24€5k€1k▼
Financial fixed assets28€3k€3k=
Current assets29/58€57k€480k▲
Amounts receivable within one year40/41€41k€217k▲
Trade receivables40€10k€217k▲
Other amounts receivable41€30k-
Cash at bank and in hand54/58€15k€262k▲
Deferred charges and accrued income490/1€886€1k▲
Equity and liabilities
Total equity and liabilities10/49€807k€1.20M▲
Equity10/15€18k€317k▲
Contributions10/11€19k€19k=
Reserves13€2k€298k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€583€296k▲
Profit (loss) carried forward14€-4k-
Amounts payable17/49€789k€886k▲
Amounts payable after more than one year17€705k€654k▼
Financial debts170/4€564k€531k▼
Other amounts payable178/9€141k€123k▼
Amounts payable within one year42/48€75k€231k▲
Current portion of amounts payable after more than one year42€44k€33k▼
Taxes, remuneration and social security45€12k€144k▲
Taxes450/3€12k€144k▲
Other amounts payable47/48€18k€55k▲
Accrued charges and deferred income492/3€9k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€28k=
Gross operating margin9900€35k€435k▲
Operating profit (loss)9901€7k€407k▲
Financial income75/76B€64€597▲
Recurring financial income75€64€597▲
Financial charges65/66B€10k€9k▼
Recurring financial charges65€10k€9k▼
Profit (loss) for the period before taxes9903€-3k€399k▲
Income taxes67/77€659€99k▲
Profit (loss) for the period9904€-4k€299k▲
Profit (loss) for the period to be appropriated9905€-4k€299k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-4k€296k▲
Profit (loss) brought forward from the previous period14P-€-4k
Transfer from equity791/2€115k-
Transfer to equity691/2-€296k
To other reserves6921-€296k
Profit to be distributed694/7€115k-
Return on contributions (dividend)694€115k-
The notes to these accounts (8 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
11-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 11 days late
2025
31-12
Financial
Back to profitnet €299k
Net result €299k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 2.08
Current ratio from 0.76 to 2.08.
31-12
Financial
Equity above €200kEq €317k ▲1695%
Equity rises from €18k to €317k.
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
24-02
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 574 days late
2024
31-12
Financial
Weakest financial yearnet €-4k ▼116%
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
28-11
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 120 days late
2022
31-12
Financial
Equity above €100kEq €113k ▲27.6%
5 profitable years in a row build equity to €113k.
19-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 19 days late
2021
20-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 20 days late
2020
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 27 days late
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Ukkel · 1 establishment unit since 2017
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.
Alsembergsesteenweg 8371180 UkkelGround area
370 m²
Building footprint
235 m²
Volume, LiDAR
1,921 m³
Parcel 21616A0174/00C024, Brussels · tallest building 17.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
SPEECH ACT
since 20172.275.370.372
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21616A0174/00C024 | Brussels | 369 m² | 1 · 235 m² | 17.3 m · 3 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
699400KY6FQBQGW0HA46
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Of 82,546 companies in sector 70200 we hold annual accounts for 52,562. 37,800 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-11-2017
Fiscal year end31-12
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.