SRK
ActiveSRK has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €318k and a net result of €72k. Equity is growing by ~28.3% per year across the filed fiscal years. Its solvency ranks better than 94% of 27450 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
91
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability95▲+5
Solvency100▲+1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 8.63 against 2.65 in 2024; short-term debt: 8.2% and cash: 69.8% of total assets), and 8.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
91.8%
Return on assets
20.8%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 21-01-2026, 10 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
10 d early
2024
9 d early
2023
21 d early
2022
33 d early
2021
28 d early
2020
38 d early
2019
28 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close17-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€318k▲ 29.2%
2024 · €246k
2019: €72k
2020: €89k
2021: €122k
2022: €168k
2023: €189k
2024: €246k
2019 → 2025
Total assets
€347k▲ 4.1%
2024 · €333k
2019: €116k
2020: €122k
2021: €163k
2022: €263k
2023: €302k
2024: €333k
2019 → 2025
Net result
€72k▲ 25.2%
2024 · €58k
2019: €19k
2020: €18k
2021: €42k
2022: €57k
2023: €20k
2024: €58k
2019 → 2025
Working capital
€217k▲ 64.1%
2024 · €132k
2019: €40k
2020: €59k
2021: €96k
2022: €116k
2023: €120k
2024: €132k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€122k-€168k▲ 38.6%€189k▲ 12.1%€246k▲ 30.4%€318k▲ 29.2%
Operating result€48k-€48k▲ 0.2%€29k▼ 40.1%€80k▲ 177%€99k▲ 23.1%
Net result€42k-€57k▲ 35.3%€20k▼ 64.1%€58k▲ 181%€72k▲ 25.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 23% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €347k
Fixed assets
€101k▼ 16.3%
Current assets
€246k▲ 15.6%
Equity and liabilities €347k
Equity
€318k▲ 29.2%
Debt
€28k▼ 67.2%
The debt ratio falls from 26.1% to 8.2%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€118k▲
2024 · €97k
Cash flow
€92k▲
2024 · €74k
Solvency
91.8%▲
2024 · 73.9%
Current ratio
8.63▲
2024 · 2.65
Quick ratio
8.63▲
2024 · 2.65
Debt / equity
0.09▼
2024 · 0.35
ROE
22.6%▼
2024 · 23.3%
ROA
20.8%▲
2024 · 17.3%
Interest coverage
351.46▲
2024 · 144.76
Debt
€28k▼
2024 · €87k
Debt ≤ 1 year
€28k▼
2024 · €80k
Income taxes
€27k▲
2024 · €23k
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€333k€347k▲
Fixed assets21/28€121k€101k▼
Tangible fixed assets22/27€121k€101k▼
Land and buildings22€45k€43k▼
Plant, machinery and equipment23€44k€37k▼
Furniture and vehicles24€32k€21k▼
Current assets29/58€213k€246k▲
Amounts receivable after more than one year29€2k-
Trade receivables290€203-
Other amounts receivable291€1k-
Amounts receivable within one year40/41-€4k
Other amounts receivable41-€4k
Cash at bank and in hand54/58€211k€242k▲
Equity and liabilities
Total equity and liabilities10/49€333k€347k▲
Equity10/15€246k€318k▲
Contributions10/11€6k€6k=
Reserves13€231k€302k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€230k€301k▲
Profit (loss) carried forward14€9k€10k▲
Amounts payable17/49€87k€28k▼
Amounts payable after more than one year17€7k-
Financial debts170/4€7k-
Amounts payable within one year42/48€80k€28k▼
Current portion of amounts payable after more than one year42€15k€7k▼
Trade debts44€53k€15k▼
Suppliers440/4€53k€15k▼
Taxes, remuneration and social security45€7k€7k▼
Remuneration and social security454/9€7k€7k▼
Other amounts payable47/48€6k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€20k▲
Other operating charges640/8€166€1k▲
Gross operating margin9900€97k€120k▲
Operating profit (loss)9901€80k€99k▲
Financial income75/76B€523€740▲
Recurring financial income75€523€740▲
Financial charges65/66B€670€337▼
Recurring financial charges65€670€337▼
Profit (loss) for the period before taxes9903€80k€99k▲
Income taxes67/77€23k€27k▲
Profit (loss) for the period9904€58k€72k▲
Profit (loss) for the period to be appropriated9905€58k€72k▲
Appropriation of the result
Profit (loss) to be appropriated9906€66k€81k▲
Profit (loss) brought forward from the previous period14P€8k€9k▲
Transfer to equity691/2€57k€71k▲
To other reserves6921€57k€71k▲
The notes to these accounts (4 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
21-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Highest result since 2019net €72k ▲25.2%
Operating result €99k, net result €72k, both a record.
30-06
Financial
Liquidity triplescurrent ratio 8.63
Current ratio from 2.65 to 8.63; short-term debt falls from €80k to €28k.
22-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Equity above €200kEq €246k ▲30.4%
6 profitable years in a row build equity to €246k.
10-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
29-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
30-06
Financial
Equity above €150kEq €168k ▲38.6%
4 profitable years in a row build equity to €168k.
03-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Equity above €100kEq €122k ▲35.8%
3 profitable years in a row build equity to €122k.
2020
24-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
30-06
Financial
Weakest financial yearnet €18k ▼7.4%
Net result drops to €18k, the lowest in the series; recovery starts the following year.
03-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
19-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
26-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
22-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Beveren-Kruibeke-Zwijndrecht · 1 establishment unit since 2015
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.
Elzestraat(BEV) 49120 Beveren-Kruibeke-ZwijndrechtGround area
1,085 m²
Building footprint
183 m²
Volume, LiDAR
716 m³
Parcel 46503C0142/00X000, Flanders · tallest building 7.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Schilderwerken Rodrigus Kristof
since 20152.248.901.151
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46503C0142/00X000 | Flanders | 1,085 m² | 1 · 183 m² | 7.9 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 7,864 companies in sector 43341 we hold annual accounts for 2,662. 1,795 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-12-2015
Fiscal year end30-06
Activities, NACEBEL
43341Painting of buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 10 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.