SURFACE
ActiveSURFACE has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show negative equity (€-90k) and a net result of €-129k. Equity is growing by ~9.9% per year across the filed fiscal years. Its solvency ranks better than 9% of 1934 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability100▲+96
Solvency67▲+32
Growth32▼-46
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity ample (current ratio 2.08 against 7.52 in 2023), but 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
lower
← fewer bankruptcies
more bankruptcies →
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 2024Solvency, return and age of the figures
Solvency
-6.8%
Return on assets
-9.6%
Age of the figures
20 mo
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 · Negative equity
Equity is negative for financial year 2024: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
NBB · annual accounts 2024Equity per financial year
18192021222324
2018 to 2024 · latest year -€90k
raises risk · Filed more than 90 days late
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-11-2025, 120 days past the deadline. Measured on financial year 2023: companies more than 90 days late are in an abnormal legal state today in 5.61% of cases, against 1.66% across all filers.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
120 d late
2023
29 d late
2022
84 d late
2021
82 d late
2020
121 d late
2019
14 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€-90k
2023 · €38k
2018: €-10k
2019: €23k
2020: €26k
2021: €39k
2022: €38k
2023: €38k
2018 → 2024
Total assets
€1.34M▲ 0.4%
2023 · €1.33M
2018: €914k
2019: €2.05M
2020: €2.00M
2021: €2.08M
2022: €1.70M
2023: €1.33M
2018 → 2024
Net result
€-129k
2023 · €334
2018: €-38k
2019: €-5k
2020: €-2k
2021: €13k
2022: €-2k
2023: €334
2018 → 2024
Working capital
€251k▼ 37.2%
2023 · €400k
2018: €-502k
2019: €-405k
2020: €196k
2021: €207k
2022: €418k
2023: €400k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€26k-€39k▲ 49.3%€38k▼ 4.1%€38k▲ 0.9%€-90k
Operating result€45k-€15k▼ 67.0%€38k▲ 155%€11k▼ 70.9%€-128k
Net result€-2k-€13k€-2k€334€-129k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €128k after €11k in 2023, the lowest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.34M
Fixed assets
€855k▼ 1.9%
Current assets
€484k▲ 4.9%
Key figures and ratios
EBITDA
€-111k▼
2023 · €29k
Cash flow
€-112k▼
2023 · €18k
Solvency
-6.8%▼
2023 · 2.9%
Current ratio
2.08▼
2023 · 7.52
Quick ratio
2.08▼
2023 · 7.52
Debt / equity
-15.81▼
2023 · 33.93
ROE
142.2%▲
2023 · 0.9%
ROA
-9.6%▼
2023 · 0.0%
Interest coverage
-103.27▼
2023 · 3.31
Debt
€1.43M▲
2023 · €1.30M
Debt ≤ 1 year
€233k▲
2023 · €61k
Debt > 1 year
€1.20M▲
2023 · €482k
Staff costs
€321▼
2023 · €325
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€1.33M€1.34M▲
Fixed assets21/28€872k€855k▼
Tangible fixed assets22/27€872k€855k▼
Land and buildings22€853k€852k▼
Plant, machinery and equipment23€15k€2k▼
Furniture and vehicles24€4k€1k▼
Current assets29/58€462k€484k▲
Amounts receivable within one year40/41€446k€453k▲
Trade receivables40€345k€378k▲
Other amounts receivable41€101k€75k▼
Cash at bank and in hand54/58€16k€32k▲
Equity and liabilities
Total equity and liabilities10/49€1.33M€1.34M▲
Equity10/15€38k€-90k▼
Contributions10/11€25k€25k=
Reserves13€4k€4k=
Distributable reserves133€4k€4k=
Profit (loss) carried forward14€10k€-119k▼
Amounts payable17/49€1.30M€1.43M▲
Amounts payable after more than one year17€482k€1.20M▲
Financial debts170/4€482k€1.20M▲
Amounts payable within one year42/48€61k€233k▲
Trade debts44-€14k
Suppliers440/4-€14k
Taxes, remuneration and social security45€2k€2k=
Taxes450/3€2k€2k=
Other amounts payable47/48€59k€217k▲
Accrued charges and deferred income492/3€752k-
Income statement
Code20232024
Non-recurring operating income76A-€57k
Remuneration, social security and pensions62€325€321▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€17k▼
Other operating charges640/8€2k€1k▼
Non-recurring operating charges66A€30k€10k▼
Gross operating margin9900€61k€-99k▼
Operating profit (loss)9901€11k€-128k▼
Financial charges65/66B€9k€1k▼
Recurring financial charges65€9k€1k▼
Profit (loss) for the period before taxes9903€2k€-129k▼
Income taxes67/77€2k-
Profit (loss) for the period9904€334€-129k▼
Profit (loss) for the period to be appropriated9905€334€-129k▼
Appropriation of the result
Profit (loss) to be appropriated9906€10k€-119k▼
Profit (loss) brought forward from the previous period14P€9k€10k▲
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
28-11
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 120 days late
2024
31-12
Financial
Weakest financial yearnet €-129k ▼38573%
Net result drops to €-129k, the lowest in the series.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 29 days late
2023
31-12
Financial
Back to profitnet €334
Net result €334 after one loss-making year.
31-12
Financial
Liquidity quadruplescurrent ratio 7.52
Current ratio from 2.07 to 7.52; short-term debt falls from €392k to €61k.
23-10
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 84 days late
2022
21-10
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 82 days late
2021
31-12
Financial
Back to profitnet €13k
Net result €13k after 3 loss-making years.
29-11
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 121 days late
2020
14-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 14 days late
2019
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
28-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 59 days late
2016
29-09
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 60 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
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Of 3,910 companies in sector 71112 we hold annual accounts for 1,280. 1,050 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded20-03-2002
Fiscal year end31-12
Activities, NACEBEL
71112Activities of interior architects
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
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Data from official sources, last processed on 07-09-2026. Scores and ratios are computed by Checked and are not a credit decision.