The Captain
ActiveThe Captain has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €474k and a net result of €164k. Equity is growing by ~46.1% per year across the filed fiscal years. Its solvency ranks better than 34% of 31616 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability84▲+1
Solvency61▲+14
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 1.52 against 1.27 in 2024; short-term debt: 46.3% and cash: 2% of total assets), but 64.1% of the assets are financed with debt.
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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
35.9%
Return on assets
12.4%
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 07-07-2026, 24 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
24 d early
2024
1 d late
2023
8 d late
2022
19 d late
2021
7 d early
2020
16 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€474k▲ 53.0%
2024 · €310k
2020: €71k
2021: €92k
2022: €258k
2023: €148k
2024: €310k
2020 → 2025
Total assets
€1.32M▼ 8.0%
2024 · €1.44M
2020: €163k
2021: €243k
2022: €463k
2023: €550k
2024: €1.44M
2020 → 2025
Net result
€164k▲ 1.5%
2024 · €162k
2020: €66k
2021: €21k
2022: €166k
2023: €56k
2024: €162k
2020 → 2025
Working capital
€321k▲ 44.3%
2024 · €222k
2020: €79k
2021: €24k
2022: €123k
2023: €53k
2024: €222k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€92k-€258k▲ 180%€148k▼ 42.6%€310k▲ 109%€474k▲ 53.0%
Operating result€36k-€223k▲ 519%€72k▼ 67.7%€112k▲ 55.4%€85k▼ 24.3%
Net result€21k-€166k▲ 691%€56k▼ 66.4%€162k▲ 190%€164k▲ 1.5%
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 24% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.32M
Fixed assets
€389k▲ 1.3%
Current assets
€932k▼ 11.4%
Equity and liabilities €1.32M
Equity
€474k▲ 53.0%
Debt
€847k▼ 24.8%
The debt ratio falls from 78.4% to 64.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€95k▼
2024 · €135k
Cash flow
€175k▼
2024 · €185k
Solvency
35.9%▲
2024 · 21.6%
Current ratio
1.52▲
2024 · 1.27
Quick ratio
1.52▲
2024 · 1.27
Debt / equity
1.79▼
2024 · 3.64
ROE
34.6%▼
2024 · 52.2%
ROA
12.4%▲
2024 · 11.3%
Interest coverage
8.33▲
2024 · 8.31
Debt
€847k▼
2024 · €1.13M
Debt ≤ 1 year
€611k▼
2024 · €830k
Debt > 1 year
€236k▼
2024 · €296k
Income taxes
€58k▲
2024 · €50k
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€1.44M€1.32M▼
Fixed assets21/28€384k€389k▲
Tangible fixed assets22/27€384k€389k▲
Land and buildings22€321k€354k▲
Plant, machinery and equipment23€218-
Furniture and vehicles24€63k€35k▼
Current assets29/58€1.05M€932k▼
Amounts receivable within one year40/41€733k€761k▲
Trade receivables40€18k€61k▲
Other amounts receivable41€715k€700k▼
Current investments50/53€124k€144k▲
Cash at bank and in hand54/58€189k€26k▼
Deferred charges and accrued income490/1€6k€1k▼
Equity and liabilities
Total equity and liabilities10/49€1.44M€1.32M▼
Equity10/15€310k€474k▲
Contributions10/11€5k€5k=
Reserves13€87k€87k=
Distributable reserves133€87k€87k=
Profit (loss) carried forward14€218k€382k▲
Amounts payable17/49€1.13M€847k▼
Amounts payable after more than one year17€296k€236k▼
Financial debts170/4€296k€236k▼
Amounts payable within one year42/48€830k€611k▼
Current portion of amounts payable after more than one year42€58k€60k▲
Financial debts43€25k€55k▲
Credit institutions430/8€25k€55k▲
Trade debts44€4k€3k▼
Suppliers440/4€4k€3k▼
Taxes, remuneration and social security45€36k€21k▼
Taxes450/3€36k€21k▼
Other amounts payable47/48€706k€472k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23k€10k▼
Other operating charges640/8€6k€4k▼
Gross operating margin9900€141k€99k▼
Operating profit (loss)9901€112k€85k▼
Financial income75/76B€116k€149k▲
Recurring financial income75€20k€137k▲
Non-recurring financial income76B€96k€12k▼
Financial charges65/66B€16k€11k▼
Recurring financial charges65€16k€11k▼
Profit (loss) for the period before taxes9903€211k€222k▲
Income taxes67/77€50k€58k▲
Profit (loss) for the period9904€162k€164k▲
Profit (loss) for the period to be appropriated9905€162k€164k▲
Appropriation of the result
Profit (loss) to be appropriated9906€218k€382k▲
Profit (loss) brought forward from the previous period14P€56k€218k▲
The notes to these accounts (6 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
07-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
01-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 1 day late
2024
31-12
Financial
Equity above €200kEq €310k ▲109%
5 profitable years in a row build equity to €310k.
08-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 8 days late
2023
19-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 19 days late
2022
31-12
Financial
Highest result since 2020net €166k ▲691%
Operating result €223k, net result €166k, both a record.
31-12
Financial
Equity above €200kEq €258k ▲180%
3 profitable years in a row build equity to €258k.
24-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €21k ▼68.3%
Net result drops to €21k, the lowest in the series; recovery starts the following year.
16-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 16 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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 2019
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.
Isabella Brantstraat 432018 AntwerpenGround area
183 m²
Building footprint
103 m²
Volume, LiDAR
1,343 m³
Parcel 11810K1536/00R002, Flanders · tallest building 17.5 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Isabella Brantstraat 43, 2018 Antwerpen
since 20192.296.675.433
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11810K1536/00R002 | Flanders | 183 m² | 1 · 103 m² | 17.5 m · 5 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
VERDER-INVEST
BE 0477.635.324
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MABEV
BE 0768.314.630
Gent · Eq €474k
BOIS PRIN
BE 0821.716.890
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KLEIN KASTEEL
BE 0469.312.625
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D & D
BE 0442.148.566
Izegem · Eq €474k
Of 82,570 companies in sector 70200 we hold annual accounts for 52,573. 35,100 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-12-2019
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.