Systemat Holding
ActiveSystemat Holding is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €312k and a net result of €1.09M. Its solvency ranks better than 36% of 484 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Young company
Founded in 2024, under 3 years, statistically higher risk.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 1 filingDeviation from the deadline
2025
28 d late
← before the deadline
after the deadline →
Financials · fiscal year 2025, full schema
Equity
€312k
Net result
€1.09M
Total assets
€1.14M
Solvency
27.3%
Balance-sheet composition
Assets €1.14M
Fixed assets
€250k
Current assets
€892k
Equity and liabilities €1.14M
Equity
€312k
Debt
€830k
Debt finances 72.7% of the balance-sheet total.
Key figures and ratios
Solvency
27.3%
ROE
349.5%
ROA
95.4%
Debt
€830k
Debt ≤ 1 year
€830k
Income taxes
€7k
Staff costs
€-25k
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€1.14M
Fixed assets21/28€250k
Financial fixed assets28€250k
Current assets29/58€892k
Amounts receivable after more than one year29€201k
Other amounts receivable291€201k
Amounts receivable within one year40/41€478k
Trade receivables40€216k
Other amounts receivable41€262k
Cash at bank and in hand54/58€175k
Deferred charges and accrued income490/1€37k
Equity and liabilities
Total equity and liabilities10/49€1.14M
Equity10/15€312k
Contributions10/11€4.26M
Capital10€4.26M
Issued capital100€5.01M
Uncalled capital101€750k
Reserves13€102k
Non-distributable reserves130/1€45k
Legal reserve130€45k
Distributable reserves133€56k
Profit (loss) carried forward14€-4.05M
Amounts payable17/49€830k
Amounts payable within one year42/48€830k
Trade debts44€821k
Suppliers440/4€821k
Taxes, remuneration and social security45€827
Remuneration and social security454/9€827
Other amounts payable47/48€8k
Income statement
Code2025
Non-recurring operating income76A€170k
Remuneration, social security and pensions62€-25k
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€143k
Other operating charges640/8€4k
Non-recurring operating charges66A€71k
Gross operating margin9900€1.29M
Operating profit (loss)9901€1.10M
Financial income75/76B€1k
Recurring financial income75€1k
Financial charges65/66B€8k
Recurring financial charges65€8k
Non-recurring financial charges66B€2
Profit (loss) for the period before taxes9903€1.10M
Income taxes67/77€7k
Profit (loss) for the period9904€1.09M
Profit (loss) for the period to be appropriated9905€1.09M
Appropriation of the result
Profit (loss) to be appropriated9906€-2.05M
Profit (loss) brought forward from the previous period14P€-3.14M
Profit to be distributed694/7€2.00M
Return on contributions (dividend)694€2.00M
Social balance
Average headcount (FTE)90870.0
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 28 days late
NBB filing
Directors · office · real estate
Directors
7 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, Antwerpen · 1 establishment unit since 2024
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.
Godefriduskaai 122000 AntwerpenGround area
457 m²
Building footprint
460 m²
Volume, LiDAR
10,283 m³
Parcel 11802B0062/00C002, Flanders · tallest building 26.9 m, ±8 floors. Linked by address, not a title deed.
1 establishment unit
Godefriduskaai 12, 2000 Antwerpen
since 20242.367.703.979
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11802B0062/00C002 | Flanders | 457 m² | 1 · 460 m² | 26.9 m · 8 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).
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Of 1,506 companies in sector 66199 we hold annual accounts for 912. 626 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded20-12-2024
Fiscal year end31-12
Activities, NACEBEL
66199Other activities auxiliary to financial services, excluding insurance and pension funding
64200Holdings
64210Activities of holding companies
64999Other financial services
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress 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.