STRATEGY & SCENARIO DEVELOPMENT
ActiveSTRATEGY & SCENARIO DEVELOPMENT has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €174k and a net result of €17k. Equity is growing by ~17% per year across the filed fiscal years. Its solvency ranks better than 90% of 7027 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability80▲+1
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity ample (current ratio 12.12 against 6.4 in 2024; short-term debt: 8% and cash: 14.9% of total assets), and 8% 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○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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
92%
Return on assets
9.2%
Age of the figures
9 mo
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 02-07-2026, 29 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
29 d early
2024
22 d early
2023
2 d early
2022
31 d late
2021
9 d late
2020
57 d early
2019
18 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€174k▲ 3.1%
2024 · €169k
2018: €70k
2019: €61k
2020: €53k
2021: €100k
2022: €124k
2023: €153k
2024: €169k
2018 → 2025
Total assets
€189k▼ 5.4%
2024 · €200k
2018: €110k
2019: €99k
2020: €95k
2021: €147k
2022: €177k
2023: €181k
2024: €200k
2018 → 2025
Net result
€17k▲ 10.2%
2024 · €16k
2018: €121
2019: €-8k
2020: €2k
2021: €47k
2022: €24k
2023: €30k
2024: €16k
2018 → 2025
Working capital
€169k▲ 3.9%
2024 · €163k
2018: €54k
2019: €43k
2020: €41k
2021: €90k
2022: €117k
2023: €145k
2024: €163k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€100k-€124k▲ 24.2%€153k▲ 23.9%€169k▲ 10.3%€174k▲ 3.1%
Operating result€62k-€41k▼ 33.5%€47k▲ 14.2%€27k▼ 42.6%€27k▲ 2.1%
Net result€47k-€24k▼ 48.3%€30k▲ 22.6%€16k▼ 46.7%€17k▲ 10.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 2% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €189k
Fixed assets
€5k▼ 30.1%
Current assets
€184k▼ 4.4%
Equity and liabilities €189k
Equity
€174k▲ 3.1%
Debt
€15k▼ 51.2%
The debt ratio falls from 15.6% to 8.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€30k▲
2024 · €30k
Cash flow
€20k▲
2024 · €18k
Solvency
92.0%▲
2024 · 84.4%
Current ratio
12.12▲
2024 · 6.40
Quick ratio
12.12▲
2024 · 6.40
Debt / equity
0.09▼
2024 · 0.18
ROE
10.0%▲
2024 · 9.3%
ROA
9.2%▲
2024 · 7.9%
Interest coverage
183.68▲
2024 · 23.20
Debt
€15k▼
2024 · €31k
Debt ≤ 1 year
€15k▼
2024 · €30k
Income taxes
€10k▲
2024 · €10k
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€200k€189k▼
Fixed assets21/28€7k€5k▼
Tangible fixed assets22/27€7k€5k▼
Land and buildings22€253€0▼
Furniture and vehicles24€3k€2k▼
Other tangible fixed assets26€4k€3k▼
Current assets29/58€193k€184k▼
Amounts receivable within one year40/41€17k€11k▼
Trade receivables40€15k€9k▼
Other amounts receivable41€2k€2k=
Current investments50/53€145k€145k=
Cash at bank and in hand54/58€31k€28k▼
Deferred charges and accrued income490/1€279€682▲
Equity and liabilities
Total equity and liabilities10/49€200k€189k▼
Equity10/15€169k€174k▲
Contributions10/11€6k€6k=
Reserves13€118k€123k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€1k€1k=
Distributable reserves133€115k€120k▲
Profit (loss) carried forward14€45k€45k=
Amounts payable17/49€31k€15k▼
Amounts payable within one year42/48€30k€15k▼
Financial debts43€218€818▲
Credit institutions430/8€218€818▲
Trade debts44€5k€194▼
Suppliers440/4€5k€194▼
Taxes, remuneration and social security45€10k€11k▲
Taxes450/3€10k€11k▲
Other amounts payable47/48€15k€3k▼
Accrued charges and deferred income492/3€1k€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€2k▼
Other operating charges640/8€717€803▲
Gross operating margin9900€30k€30k▲
Operating profit (loss)9901€27k€27k▲
Financial income75/76B€194€239▲
Recurring financial income75€194€239▲
Financial charges65/66B€1k€161▼
Recurring financial charges65€1k€161▼
Profit (loss) for the period before taxes9903€26k€27k▲
Income taxes67/77€10k€10k▲
Profit (loss) for the period9904€16k€17k▲
Profit (loss) for the period to be appropriated9905€16k€17k▲
Appropriation of the result
Profit (loss) to be appropriated9906€57k€62k▲
Profit (loss) brought forward from the previous period14P€41k€45k▲
Transfer from equity791/2-€12k
Transfer to equity691/2€12k€17k▲
To other reserves6921€12k€17k▲
Profit to be distributed694/7-€12k
Return on contributions (dividend)694-€12k
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
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
09-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity doublescurrent ratio 6.71
Current ratio from 3.28 to 6.71; short-term debt falls from €51k to €25k.
31-12
Financial
Equity above €150kEq €153k ▲23.9%
4 profitable years in a row build equity to €153k.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Equity above €100kEq €124k ▲24.2%
3 profitable years in a row build equity to €124k.
09-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 9 days late
2021
31-12
Financial
Highest result since 2018net €47k ▲2589%
Operating result €62k, net result €47k, both a record.
04-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
18-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 18 days late
2019
31-12
Financial
Weakest financial yearnet €-8k ▼7099%
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
21-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
12-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
20-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Buggenhout · 1 establishment unit since 2001
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.
Hooilaart 299255 BuggenhoutGround area
1,558 m²
Building footprint
159 m²
Volume, LiDAR
1,083 m³
Parcel 42004A0395/00E000, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Hooilaart 29, 9255 Buggenhout
since 20012.100.122.848
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42004A0395/00E000 | Flanders | 1,558 m² | 1 · 159 m² | 8.8 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.
Similar companies · same sector, comparable size
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IOL
BE 0462.984.265
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BOST CONSULTING & MANAGEMENT
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HEBA INVEST
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Of 2,715 companies in sector 73200 we hold annual accounts for 1,785. 1,354 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded01-02-2001
Fiscal year end31-12
Activities, NACEBEL
73200Market research and public opinion polling
74131
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.