SUMMER HOUSE
ActiveSUMMER HOUSE has been active since 1968 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €187k and a net result of €36k. Equity remains stable across the filed fiscal years (±0.4% per year). Its solvency ranks better than 94% of 17964 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
90
/ 100
Excellent▼ -10 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability95▼-5
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity ample (current ratio 10.05 against 21.7 in 2024), and 9.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
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
90.8%
Return on assets
17.2%
Age of the figures
8 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 18-05-2026, 74 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
74 d early
2024
36 d early
2023
18 d late
2022
7 d early
2021
22 d late
2020
26 d late
2019
14 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€187k▼ 8.5%
2024 · €205k
2018: €186k
2019: €209k
2020: €185k
2021: €183k
2022: €167k
2023: €175k
2024: €205k
2018 → 2025
Total assets
€206k▼ 3.7%
2024 · €214k
2018: €230k
2019: €211k
2020: €198k
2021: €191k
2022: €186k
2023: €182k
2024: €214k
2018 → 2025
Net result
€36k▼ 35.1%
2024 · €55k
2018: €25k
2019: €23k
2020: €-1k
2021: €31k
2022: €23k
2023: €45k
2024: €55k
2018 → 2025
Working capital
€172k▼ 10.8%
2024 · €193k
2018: €113k
2019: €154k
2020: €60k
2021: €75k
2022: €84k
2023: €93k
2024: €193k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€183k-€167k▼ 8.8%€175k▲ 4.8%€205k▲ 16.9%€187k▼ 8.5%
Operating result€33k-€32k▼ 3.6%€62k▲ 95.9%€68k▲ 8.8%€50k▼ 25.3%
Net result€31k-€23k▼ 25.1%€45k▲ 93.3%€55k▲ 22.9%€36k▼ 35.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 25% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €206k
Fixed assets
€16k▲ 27.4%
Current assets
€191k▼ 5.5%
Equity and liabilities €206k
Equity
€187k▼ 8.5%
Debt
€19k▲ 104%
The debt ratio rises from 4.3% to 9.2%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€54k▼
2024 · €73k
Cash flow
€39k▼
2024 · €61k
Solvency
90.8%▼
2024 · 95.7%
Current ratio
10.05▼
2024 · 21.70
Quick ratio
10.05▼
2024 · 21.70
Debt / equity
0.10▲
2024 · 0.05
ROE
19.0%▼
2024 · 26.8%
ROA
17.2%▼
2024 · 25.6%
Interest coverage
370.05▼
2024 · 624.90
Debt
€19k▲
2024 · €9k
Debt ≤ 1 year
€19k▲
2024 · €9k
Income taxes
€17k▼
2024 · €22k
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€214k€206k▼
Fixed assets21/28€12k€16k▲
Tangible fixed assets22/27€12k€16k▲
Furniture and vehicles24€8k€12k▲
Other tangible fixed assets26€5k€3k▼
Financial fixed assets28€25€25=
Current assets29/58€202k€191k▼
Amounts receivable within one year40/41€12k€9k▼
Trade receivables40€11k€9k▼
Other amounts receivable41€130-
Current investments50/53€120k€45k▼
Cash at bank and in hand54/58€70k€137k▲
Deferred charges and accrued income490/1€333€364▲
Equity and liabilities
Total equity and liabilities10/49€214k€206k▼
Equity10/15€205k€187k▼
Contributions10/11€27k€27k=
Reserves13€178k€161k▼
Non-distributable reserves130/1€3k€3k=
Reserves not available under the articles1311€3k€3k=
Distributable reserves133€176k€158k▼
Amounts payable17/49€9k€19k▲
Amounts payable within one year42/48€9k€19k▲
Trade debts44€237€1k▲
Suppliers440/4€237€1k▲
Taxes, remuneration and social security45€9k€18k▲
Taxes450/3€9k€18k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€4k▼
Other operating charges640/8€564€1k▲
Gross operating margin9900€74k€56k▼
Operating profit (loss)9901€68k€50k▼
Financial income75/76B€9k€2k▼
Recurring financial income75€9k€2k▼
Financial charges65/66B€117€147▲
Recurring financial charges65€117€147▲
Profit (loss) for the period before taxes9903€76k€53k▼
Income taxes67/77€22k€17k▼
Profit (loss) for the period9904€55k€36k▼
Profit (loss) for the period to be appropriated9905€55k€36k▼
Appropriation of the result
Profit (loss) to be appropriated9906€55k€36k▼
Transfer from equity791/2€25k€53k▲
Transfer to equity691/2€55k€36k▼
To other reserves6921€55k€36k▼
Profit to be distributed694/7€25k€53k▲
Return on contributions (dividend)694€25k€53k▲
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
18-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
25-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €55k ▲22.9%
Operating result €68k, net result €55k, both a record.
31-12
Financial
Equity above €200kEq €205k ▲16.9%
4 profitable years in a row build equity to €205k.
18-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 18 days late
2023
31-12
Financial
Liquidity triplescurrent ratio 14.34
Current ratio from 5.46 to 14.34; short-term debt falls from €19k to €7k.
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 22 days late
2021
31-12
Financial
Back to profitnet €31k
Net result €31k after one loss-making year.
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
31-12
Financial
Weakest financial yearnet €-1k ▼105%
Net result drops to €-1k, the lowest in the series; recovery starts the following year.
14-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 14 days late
2019
31-12
Financial
Liquidity times 30current ratio 105.21
Current ratio from 3.55 to 105.21; short-term debt falls from €44k to €1k.
31-12
Financial
Equity above €200kEq €209k ▲12.6%
2 profitable years in a row build equity to €209k.
24-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 24 days late
2018
15-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 15 days late
2017
26-07
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
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, Frasnes-lez-Anvaing · 1 establishment unit since 1992
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.
Barberie(MB) 13 F7911 Frasnes-lez-AnvaingGround area
1,990 m²
Building footprint
461 m²
Volume, LiDAR
1,186 m³
2 parcels, Wallonia · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Barberie(MB) 13F, 7911 Frasnes-lez-Anvaing
since 19922.005.442.930
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57055B0176/00F000 | Wallonia | 1,022 m² | 1 · 185 m² | 8.2 m · 2 fl. |
| 57055B0169/00G000 | Wallonia | 968 m² | 1 · 276 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 3,211 companies in sector 47400 we hold annual accounts for 1,795. 1,361 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-01-1968
Fiscal year end31-12
Activities, NACEBEL
47400Retail sale of information and communication equipment
47410Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 49 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.