Summary
Bankruptcy probability (12 mo)
0.7%
Low
0%0,5%1,5%4%10%≥25%
Annual accounts: weaker financial profile
+Long track record
−
Timeline
What happened to this company, by date
State Gazette, CBE and NBB in one series · 0 of 6 acts read2024
29-04-2024 NBB filing Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
28-04-2023 NBB filing Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
11-04-2022 NBB filing Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-04-2021 NBB filing Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
05-06-2020 NBB filing Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
01-02-2019 NBB filing Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
23-01-2018 NBB filing Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
13-01-2017 NBB filing Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
15-01-2016 NBB filing Annual accounts filed
fiscal year 2015 · abbreviated schema
2015
15-01-2015 NBB filing Annual accounts filed
fiscal year 2014 · abbreviated schema
Financials
Equity€204k+84.5%
Total assets€482k-44.3%
Net result€93k
Working capital€161k+91.3%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Figures by fiscal year
Source: NBB · 2023Annual accounts filed on 29-04-2024 with the NBB · fiscal year 2023 · abbreviated schema
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
declining
Equity: declining trend of ~22.7%/year over 5 fiscal years, indicative, assuming unchanged policy.
Solid line = filed figures · dashed = extended trend · area = indicative range.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2023 · NACE 73, Advertising & market research · compared within the same schema type (abbreviated schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 42.3% | 44.0% | |
| Net result | €93k | €19k | |
| Equity | €204k | €111k | |
| Gross operating margin | €39k | €80k | |
| Staff costs | €0 | €175k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Sector position over time
Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).
P48
Stable position over 2020-2023
· n=104-218
P78
Improving position over 2020-2023
· n=103-217
P60
Stable position over 2020-2023
· n=104-218
P40
Improving position over 2020-2023
· n=102-216
Describes the position versus peers, not a forecast.
€-10k
+90.8%
19-23
€93k
-
19-23
€110k
-
19-23
€482k
-44.3%
19-23
€204k
+84.5%
19-23
€161k
+91.3%
19-23
0
-100.0%
19-23
€0
-
19-23
€535
-64.1%
19-23
€0
-100.0%
19-23
€278k
-63.2%
19-23
€278k
-57.8%
19-23
€0
-100.0%
19-23
1.58
+40.1%
19-23
1.00
+90.2%
19-23
42.3%
+231.4%
19-23
1.36
-80.0%
19-23
45.8%
-
19-23
19.4%
-
19-23
-0.63
+92.3%
19-23
Figures by fiscal year and ratios
| Fiscal year | 2023 |
|---|---|
| Deposit | abbreviated schema |
| Revenue | - |
| EBITDA | €-10k |
| Net profit | €93k |
| Cash flow | €110k |
| Staff costs | €0 |
| Income taxes | €535 |
| Dividends | €0 |
| Total assets | €482k |
| Equity | €204k |
| Debt | €278k |
| of which ≤ 1y | €278k |
| of which > 1y | €0 |
| Working capital | €161k |
| Employees (FTE) | 0.0 |
Ratios (computed)
| 2023 | |
|---|---|
| Current ratio | 1.58 |
| Quick ratio | 1.00 |
| Working capital ratio | 33.5% |
| Solvency | 42.3% |
| Debt / equity | 1.36 |
| Long-term debt ratio | 0.00 |
| Interest coverage | -0.63 |
| Gross margin | - |
| Net margin | - |
| ROA | 19.4% |
| ROE | 45.8% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2023
Full annual accounts (25 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2023 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €482k |
| Fixed assets | 21/28 | €42k |
| Tangible fixed assets | 22/27 | €37k |
| Financial fixed assets | 28 | €6k |
| Current assets | 29/58 | €439k |
| Stocks & contracts in progress | 3 | €163k |
| Amounts receivable within one year | 40/41 | €261k |
| Cash & bank | 54/58 | €11k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €482k |
| Equity | 10/15 | €204k |
| Contributions / capital | 10/11 | €89k |
| Reserves | 13 | €220k |
| Accumulated profits (losses) | 14 | €-104k |
| Amounts payable | 17/49 | €278k |
| Amounts payable after one year | 17 | €0 |
| Amounts payable within one year | 42/48 | €278k |
| Trade debts payable within one year | 44 | €27k |
| Income statement | ||
| Gross operating margin | 9900 | €39k |
| Operating result | 9901 | €-27k |
| Financial income | 75 | €136k |
| Financial charges | 65 | €15k |
| Result before taxes | 9903 | €94k |
| Income taxes | 67/77 | €535 |
| Net result for the period | 9904 | €93k |
| Result to be appropriated | 9905 | €93k |
This table shows the latest fiscal year. 4 prior years, with figures and ratios, belong to a paid plan.
See plans →
Ratios computed by Checked.
Signals
Signals
Gazette, CBE, filings and accounts in one listAnnual accounts not filed
The financial year that closed on 30-09-2024 was due at the National Bank by 30-04-2025. Nothing is on record today, 491 days later. 2 financial years are missing in total. Measured on financial year 2023: 41.75% of the companies that did not file are in an abnormal legal state today, against 1.66% of those that did.
Latest accounts filed on time
The financial year that closed on 30-09-2023 was due by 30-04-2024 and was filed on 29-04-2024, 1 day ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
Established
Founded in 2008, 17 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
No strikeouts found in the KBO publications · how complete this is
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Filing history by fiscal year and how the deadline is computed
Annual accounts not filed
The financial year that closed on 30-09-2024 was due at the National Bank by 30-04-2025. Nothing is on record today, 491 days later. 2 financial years are missing in total. Measured on financial year 2023: 41.75% of the companies that did not file are in an abnormal legal state today, against 1.66% of those that did.
Latest accounts filed on time
The financial year that closed on 30-09-2023 was due by 30-04-2024 and was filed on 29-04-2024, 1 day ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
How we compute the deadline
The year end is derived from 10 filed financial years, each closing on 30-09. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 30-09-2023, that is 30-04-2024.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 30-09-2025 | 30-04-2026 | nothing on record | not filed | - |
| 30-09-2024 | 30-04-2025 | nothing on record | not filed | - |
| 30-09-2023 | 30-04-2024 | 29-04-2024 | 1 d early | 2024-00081568 |
| 30-09-2022 | 30-04-2023 | 28-04-2023 | 2 d early | 2023-00073863 |
| 30-09-2021 | 30-04-2022 | 11-04-2022 | 19 d early | 2022-20002083 |
| 30-09-2020 | 30-04-2021 | 30-04-2021 | on the day | 2021-12100154 |
| 30-09-2019 | 30-04-2020 | 05-06-2020 | 36 d late | 2020-14700203 |
| 30-06-2018 | 31-01-2019 | 01-02-2019 | 1 d late | 2019-03900578 |
| 30-06-2017 | 31-01-2018 | 23-01-2018 | 8 d early | 2018-01900281 |
| 30-06-2016 | 31-01-2017 | 13-01-2017 | 18 d early | 2017-01300385 |
| 30-06-2015 | 31-01-2016 | 15-01-2016 | 16 d early | 2016-02100195 |
| 30-06-2014 | 31-01-2015 | 15-01-2015 | 16 d early | 2015-01600376 |
Source: the National Bank's deposit records, as we have ingested them. NOTE: our copy has a gap across June to August 2026, missing roughly 220,000 deposits; for July we hold 15,605 of about 137,000 expected. A year whose deadline falls in that window shows as not confirmed, not as not filed. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Locations & real estate
Registered office
from the Crossroads BankCannot 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.
Pastorijstraat 62580 PutteEstablishment units
1 locationSplend-it ID!
since 20082.173.790.388
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area3,496 m²
Buildings1
Building footprint268 m²
Volume (LiDAR)127 m³
Tallest building4.6 m
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12029C0630/00C000 | Flanders | 3,496 m² | 1 · 268 m² | 4.6 m |
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.
Publications
Belgian State Gazette · acts
0 of 6 acts readWe know of 6 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
The insolvency signals above come from a separate source; the KBO register is the second source and appears as the legal situation on this page.
Analysis
Credit advice
verdict per customer and amountSimilar
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We hold annual accounts for 2,264 of the 13,471 companies in this sector. 1,651 of them are within a factor 10 of this company's equity.
Company registry
Company registry (CBE)
Crossroads BankActivities
Adviesbureaus op het gebied van public relations en communicatie70210Activiteiten van adviesbureaus op het gebied van public relations en communicatie73300Overige dienstverlenende activiteiten op het gebied van informatie63920Overige dienstverlenende activiteiten op het gebied van informatie, n.e. g.63990
Primary activity highlighted.
Names & trade names
| Legal nameNL | SPLEND-it ID! |
| Trade nameNL | BOX&GO |
Registered office
Pastorijstraat 6
2580 Putte, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.