SUMM.LINK
ActiveSUMM.LINK has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-940k) and a net result of €-19k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 314 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
37
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability44▲+44
Solvency0=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.52 against 0.26 in 2024; short-term debt: 109.8% and cash: 5.4% of total assets), and equity is negative.
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
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 2025Solvency, return and age of the figures
Solvency
-161.6%
Return on assets
-3.2%
Age of the figures
9 mo
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 78
Relative position
BE, all sectors
reference
Sector 78
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Negative equity
The 2025 annual accounts show negative equity and a net loss.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €-940k
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 02-06-2026, 59 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
59 d early
2024
31 d late
2023
19 d late
2022
34 d early
2021
97 d early
2020
144 d early
2019
14 d early
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€-940k▼ 2.0%
2024 · €-922k
2018: €42k
2019: €37k
2020: €113k
2021: €109k
2022: €57k
2023: €-677k
2024: €-922k
2018 → 2025
Total assets
€582k▼ 4.7%
2024 · €611k
2018: €626k
2019: €681k
2020: €587k
2021: €655k
2022: €1.36M
2023: €805k
2024: €611k
2018 → 2025
Net result
€-19k▲ 92.4%
2024 · €-245k
2018: €22k
2019: €-5k
2020: €89k
2021: €63k
2022: €-52k
2023: €-734k
2024: €-245k
2018 → 2025
Working capital
€-309k▲ 52.3%
2024 · €-648k
2018: €-27k
2019: €-15k
2020: €81k
2021: €-34k
2022: €-372k
2023: €-447k
2024: €-648k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€109k-€57k▼ 47.7%€-677k€-922k▼ 36.2%€-940k▼ 2.0%
Operating result€89k-€-53k€-632k▼ 1,088%€-189k▲ 70.1%€26k
Net result€63k-€-52k€-734k▼ 1,307%€-245k▲ 66.6%€-19k▲ 92.4%
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 returns to profit in 2025: €26k after a loss of €189k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €561k
Fixed assets
€231k▼ 31.9%
Current assets
€330k▲ 43.6%
Key figures and ratios
EBITDA
€159k▲
2024 · €-56k
Cash flow
€115k▲
2024 · €-111k
Solvency
-161.6%▼
2024 · -150.9%
Current ratio
0.52▲
2024 · 0.26
Quick ratio
0.52▲
2024 · 0.26
Debt / equity
-1.62▲
2024 · -1.66
ROA
-3.2%▲
2024 · -40.1%
Interest coverage
3.48▲
2024 · -1.00
Debt
€1.52M▼
2024 · €1.53M
Debt ≤ 1 year
€639k▼
2024 · €878k
Debt > 1 year
€870k▲
2024 · €639k
Staff costs
€390▼
2024 · €39k
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€611k€582k▼
Formation expenses20€42k€21k▼
Fixed assets21/28€339k€231k▼
Intangible fixed assets21€322k€214k▼
Tangible fixed assets22/27€8k€8k▲
Plant, machinery and equipment23€3k€6k▲
Furniture and vehicles24€4k€2k▼
Financial fixed assets28€9k€9k=
Current assets29/58€230k€330k▲
Amounts receivable within one year40/41€212k€279k▲
Trade receivables40€199k€262k▲
Other amounts receivable41€13k€17k▲
Cash at bank and in hand54/58€0€31k▲
Deferred charges and accrued income490/1€18k€19k▲
Equity and liabilities
Total equity and liabilities10/49€611k€582k▼
Equity10/15€-922k€-940k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€-942k€-961k▼
Amounts payable17/49€1.53M€1.52M▼
Amounts payable after more than one year17€639k€870k▲
Financial debts170/4€639k€870k▲
Amounts payable within one year42/48€878k€639k▼
Current portion of amounts payable after more than one year42€105k€208k▲
Financial debts43€450k€109k▼
Credit institutions430/8€450k€109k▼
Trade debts44€317k€319k▲
Suppliers440/4€317k€319k▲
Taxes, remuneration and social security45€5k€2k▼
Taxes450/3€3k€339▼
Remuneration and social security454/9€2k€2k▼
Other amounts payable47/48€0-
Accrued charges and deferred income492/3€16k€13k▼
Income statement
Code20242025
Remuneration, social security and pensions62€39k€390▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€134k€133k▼
Other operating charges640/8€1k€544▼
Gross operating margin9900€-15k€160k▲
Operating profit (loss)9901€-189k€26k▲
Financial income75/76B€4€1k▲
Recurring financial income75€4€1k▲
Financial charges65/66B€56k€46k▼
Recurring financial charges65€56k€46k▼
Profit (loss) for the period before taxes9903€-245k€-19k▲
Income taxes67/77€0-
Profit (loss) for the period9904€-245k€-19k▲
Profit (loss) for the period to be appropriated9905€-245k€-19k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-942k€-961k▼
Profit (loss) brought forward from the previous period14P€-697k€-942k▼
Social balance
Average headcount (FTE)90870.80.0▼
The notes to these accounts (20 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
02-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 31 days late
2024
19-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 19 days late
2023
31-12
Financial
Weakest financial yearnet €-734k
Net result drops to €-734k, the lowest in the series; recovery starts the following year.
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
25-04
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
09-03
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Back to profitnet €89k
Net result €89k after one loss-making year.
31-12
Financial
Equity above €100kEq €113k ▲205%
Equity rises from €37k to €113k.
17-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
05-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-07
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, Gent · 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.
Nederkouter 269000 GentGround area
4,040 m²
Building footprint
524 m²
Volume, LiDAR
3,082 m³
Parcel 44805E1068/00D000, Flanders · tallest building 11.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
SUMM.LINK
since 20162.252.657.526
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44805E1068/00D000 | Flanders | 4,040 m² | 1 · 524 m² | 11.1 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Public money · subsidies and aid
Flemish government
2022 to 2025 · 5 entries · 392,975 EUR awarded · 156,749 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | 0 EUR | 0 EUR |
| 2023 | 2 | 2,250 EUR | 156,749 EUR |
| 2022 | 1 | 390,725 EUR | 0 EUR |
Schemes
Ontwikkelingsproject
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 2,362 companies in sector 78100 we hold annual accounts for 1,365. 1,068 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-04-2016
Fiscal year end31-12
Activities, NACEBEL
78100Employment placement agencies
47400Retail sale of information and communication equipment
47410Retail trade
62010Computer programming, consultancy and related activities
62020IT consultancy
62030Computer programming, consultancy and related activities
62900Other information technology and computer services
62100Computer programming
62200Computer consultancy and computer facilities management
63100Computing infrastructure, data processing, hosting and related activities
63110Computing infrastructure, data processing, hosting and other information service activities
63120Computing infrastructure, data processing, hosting and other information service activities
63910Web portal activities
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 9 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.