TOPPERSPECTIVE
ActiveTOPPERSPECTIVE has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €153k and a net result of €-60k. Equity remains stable across the filed fiscal years (±2.4% per year). Its solvency ranks better than 95% of 31544 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-74
Solvency100=
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 39.78 against 5.45 in 2024; short-term debt: 1.5% and cash: 0.2% of total assets), and 1.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers 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 →
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
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 03-06-2026, 58 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
58 d early
2024
on the day
2023
26 d late
2022
4 d early
2021
68 d early
2020
12 d late
2019
66 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€153k▼ 28.1%
2024 · €212k
2018: €163k
2019: €190k
2020: €151k
2021: €176k
2022: €237k
2023: €229k
2024: €212k
2018 → 2025
Total assets
€155k▼ 36.6%
2024 · €244k
2018: €193k
2019: €217k
2020: €275k
2021: €206k
2022: €254k
2023: €259k
2024: €244k
2018 → 2025
Net result
€-60k
2024 · €11k
2018: €28k
2019: €28k
2020: €44k
2021: €42k
2022: €67k
2023: €19k
2024: €11k
2018 → 2025
Working capital
€93k▼ 34.6%
2024 · €142k
2018: €144k
2019: €159k
2020: €121k
2021: €135k
2022: €179k
2023: €156k
2024: €142k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€176k-€237k▲ 34.9%€229k▼ 3.6%€212k▼ 7.2%€153k▼ 28.1%
Operating result€57k-€92k▲ 62.5%€26k▼ 71.7%€13k▼ 51.6%€-60k
Net result€42k-€67k▲ 61.8%€19k▼ 71.6%€11k▼ 41.9%€-60k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €60k after €13k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €155k
Fixed assets
€60k▼ 15.0%
Current assets
€95k▼ 45.2%
Equity and liabilities €155k
Equity
€153k▼ 28.1%
Debt
€2k▼ 92.5%
The debt ratio falls from 13.1% to 1.5%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-50k▼
2024 · €23k
Cash flow
€-49k▼
2024 · €22k
Solvency
98.5%▲
2024 · 86.9%
Current ratio
39.78▲
2024 · 5.45
Quick ratio
39.78▲
2024 · 5.45
Debt / equity
0.02▼
2024 · 0.15
ROE
-39.1%▼
2024 · 5.2%
ROA
-38.5%▼
2024 · 4.5%
Interest coverage
-70.86▼
2024 · 52.31
Debt
€2k▼
2024 · €32k
Debt ≤ 1 year
€2k▼
2024 · €32k
Income taxes
€211▼
2024 · €4k
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€244k€155k▼
Fixed assets21/28€70k€60k▼
Tangible fixed assets22/27€70k€60k▼
Plant, machinery and equipment23€2k€2k▼
Furniture and vehicles24€3k€2k▼
Other tangible fixed assets26€65k€56k▼
Current assets29/58€174k€95k▼
Amounts receivable after more than one year29€115k€75k▼
Other amounts receivable291€115k€75k▼
Amounts receivable within one year40/41€34k€556▼
Trade receivables40€7k-
Other amounts receivable41€27k€556▼
Cash at bank and in hand54/58€0€297▲
Deferred charges and accrued income490/1€26k€20k▼
Equity and liabilities
Total equity and liabilities10/49€244k€155k▼
Equity10/15€212k€153k▼
Contributions10/11€25k€25k=
Reserves13€186k€172k▼
Tax-exempt reserves132€20€20=
Distributable reserves133€186k€172k▼
Profit (loss) carried forward14€2k€-44k▼
Amounts payable17/49€32k€2k▼
Amounts payable within one year42/48€32k€2k▼
Financial debts43€1k-
Credit institutions430/8€1k-
Trade debts44€3k€2k▼
Suppliers440/4€3k€2k▼
Taxes, remuneration and social security45€184€395▲
Taxes450/3€184€395▲
Other amounts payable47/48€27k-
Accrued charges and deferred income492/3€122-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€11k▲
Other operating charges640/8€1k€1k▲
Gross operating margin9900€24k€-49k▼
Operating profit (loss)9901€13k€-60k▼
Financial income75/76B€2k€2k▼
Recurring financial income75€2k€2k▼
Financial charges65/66B€440€703▲
Recurring financial charges65€440€703▲
Profit (loss) for the period before taxes9903€15k€-59k▼
Income taxes67/77€4k€211▼
Profit (loss) for the period9904€11k€-60k▼
Profit (loss) for the period to be appropriated9905€11k€-60k▼
Appropriation of the result
Profit (loss) to be appropriated9906€13k€-58k▼
Profit (loss) brought forward from the previous period14P€2k€2k=
Transfer from equity791/2€28k€14k▼
Transfer to equity691/2€11k-
To other reserves6921€11k-
Profit to be distributed694/7€28k-
Return on contributions (dividend)694€28k-
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
Next filing, fiscal year 2026, expected by
2026
03-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-60k ▼639%
Net result drops to €-60k, the lowest in the series.
31-12
Financial
Liquidity times 7current ratio 39.78
Current ratio from 5.45 to 39.78; short-term debt falls from €32k to €2k.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €67k ▲61.8%
Operating result €92k, net result €67k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 11.96
Current ratio from 5.46 to 11.96; short-term debt falls from €30k to €16k.
31-12
Financial
Equity above €200kEq €237k ▲34.9%
5 profitable years in a row build equity to €237k.
24-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity triplescurrent ratio 5.46
Current ratio from 1.98 to 5.46; short-term debt falls from €124k to €30k.
12-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 12 days late
2020
05-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 66 days late
2019
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
24-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 58 days late
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, Sint-Genesius-Rode · 1 establishment unit since 2011
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.
Zoniënwoudlaan 1571640 Sint-Genesius-RodeGround area
873 m²
Building footprint
99 m²
Volume, LiDAR
11 m³
Parcel 22004C0566/00D003, Flanders · tallest building 2.7 m. Linked by address, not a title deed.
1 establishment unit
TOPPERSPECTIVE
since 20112.201.687.885
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22004C0566/00D003 | Flanders | 873 m² | 1 · 99 m² | 2.7 m |
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.
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Of 82,518 companies in sector 70200 we hold annual accounts for 52,573. 40,785 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-08-2011
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.