Truverke
ActiveTruverke has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.52M and a net result of €401k. Equity is growing by ~7.4% per year across the filed fiscal years. Its solvency ranks better than 64% of 31616 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability92▲+4
Solvency95=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €130k at 30 days acceptable
Liquidity ample (current ratio 3.45 against 3.85 in 2024; short-term debt: 19.1% and cash: 13.1% of total assets), and 30.1% 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○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 · 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
69.9%
Return on assets
18.5%
Age of the figures
9 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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-08-2026, 19 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 · 10 filingsDeviation from the deadline
2025
19 d late
2024
on the day
2023
29 d late
2022
17 d late
2021
41 d early
2020
31 d early
2019
31 d early
← 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.52M▲ 9.0%
2024 · €1.39M
2018: €666k
2019: €904k
2020: €1.21M
2021: €1.32M
2022: €1.40M
2023: €1.42M
2024: €1.39M
2018 → 2025
Total assets
€2.17M▲ 8.7%
2024 · €2.00M
2018: €1.52M
2019: €1.71M
2020: €1.90M
2021: €1.86M
2022: €1.91M
2023: €1.94M
2024: €2.00M
2018 → 2025
Net result
€401k▲ 28.2%
2024 · €313k
2018: €282k
2019: €238k
2020: €302k
2021: €116k
2022: €81k
2023: €207k
2024: €313k
2018 → 2025
Working capital
€1.02M▲ 12.8%
2024 · €903k
2018: €284k
2019: €510k
2020: €795k
2021: €893k
2022: €951k
2023: €948k
2024: €903k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.32M-€1.40M▲ 6.1%€1.42M▲ 1.6%€1.39M▼ 2.2%€1.52M▲ 9.0%
Operating result€177k-€129k▼ 27.1%€303k▲ 135%€409k▲ 34.8%€578k▲ 41.4%
Net result€116k-€81k▼ 30.3%€207k▲ 157%€313k▲ 50.8%€401k▲ 28.2%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 41% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.17M
Fixed assets
€738k▼ 5.4%
Current assets
€1.43M▲ 17.6%
Equity and liabilities €2.17M
Equity
€1.52M▲ 9.0%
Debt
€654k▲ 7.8%
The debt ratio falls from 30.3% to 30.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€619k▲
2024 · €451k
Cash flow
€442k▲
2024 · €355k
Solvency
69.9%▲
2024 · 69.7%
Current ratio
3.45▼
2024 · 3.85
Quick ratio
3.45▼
2024 · 3.85
Debt / equity
0.43▼
2024 · 0.44
ROE
26.4%▲
2024 · 22.5%
ROA
18.5%▲
2024 · 15.6%
Interest coverage
71.75▲
2024 · 39.87
Debt
€654k▲
2024 · €607k
Debt ≤ 1 year
€416k▲
2024 · €317k
Debt > 1 year
€231k▼
2024 · €284k
Income taxes
€177k▲
2024 · €104k
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€2.00M€2.17M▲
Fixed assets21/28€780k€738k▼
Tangible fixed assets22/27€780k€738k▼
Land and buildings22€761k€704k▼
Plant, machinery and equipment23€5k€10k▲
Furniture and vehicles24€14k€23k▲
Financial fixed assets28€45-
Current assets29/58€1.22M€1.43M▲
Amounts receivable within one year40/41€1k€94k▲
Trade receivables40€1k€94k▲
Other amounts receivable41€14€647▲
Current investments50/53€1.04M€1.05M▲
Cash at bank and in hand54/58€170k€284k▲
Deferred charges and accrued income490/1€9k€4k▼
Equity and liabilities
Total equity and liabilities10/49€2.00M€2.17M▲
Equity10/15€1.39M€1.52M▲
Contributions10/11€19k€19k=
Reserves13€1.37M€1.50M▲
Distributable reserves133€1.37M€1.50M▲
Amounts payable17/49€607k€654k▲
Amounts payable after more than one year17€284k€231k▼
Financial debts170/4€284k€231k▼
Amounts payable within one year42/48€317k€416k▲
Current portion of amounts payable after more than one year42€53k€53k▲
Financial debts43€17k€67k▲
Credit institutions430/8€17k€67k▲
Trade debts44€2k€10k▲
Suppliers440/4€2k€10k▲
Taxes, remuneration and social security45€139k€170k▲
Taxes450/3€139k€170k▲
Other amounts payable47/48€105k€116k▲
Accrued charges and deferred income492/3€6k€7k▲
Income statement
Code20242025
Non-recurring operating income76A€2k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€42k€41k▼
Other operating charges640/8€6k€8k▲
Gross operating margin9900€457k€627k▲
Operating profit (loss)9901€409k€578k▲
Financial income75/76B€19k€9k▼
Recurring financial income75€19k€9k▼
Financial charges65/66B€11k€9k▼
Recurring financial charges65€11k€9k▼
Profit (loss) for the period before taxes9903€417k€578k▲
Income taxes67/77€104k€177k▲
Profit (loss) for the period9904€313k€401k▲
Profit (loss) for the period to be appropriated9905€313k€401k▲
Appropriation of the result
Profit (loss) to be appropriated9906€313k€401k▲
Transfer from equity791/2€261k€238k▼
Transfer to equity691/2€230k€364k▲
To other reserves6921€230k€364k▲
Profit to be distributed694/7€344k€275k▼
Return on contributions (dividend)694€261k€238k▼
Directors or managers695€83k€38k▼
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
Next filing, fiscal year 2026, expected by
2026
19-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 19 days late
2025
31-12
Financial
Highest result since 2018net €401k ▲28.2%
Operating result €578k, net result €401k, both a record.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
17-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 17 days late
2022
31-12
Financial
Weakest financial yearnet €81k ▼30.3%
Net result drops to €81k, the lowest in the series; recovery starts the following year.
20-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity doublescurrent ratio 11.11
Current ratio from 5.47 to 11.11; short-term debt falls from €178k to €88k.
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €1MEq €1.21M ▲33.4%
3 profitable years in a row build equity to €1.21M.
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
13-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 13 days late
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Brugge · 1 establishment unit since 2009
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.
Torhoutse Steenweg 1098200 BruggeGround area
1,069 m²
Building footprint
356 m²
Volume, LiDAR
2,407 m³
2 parcels, Flanders · tallest building 10.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Peter Benoitlaan 22, 8200 Brugge
since 20092.183.112.781
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31424B0771/00K003 | Flanders | 747 m² | 1 · 200 m² | 10.5 m · 2 fl. |
| 31027D0455/00F000 | Flanders | 321 m² | 1 · 157 m² | 9.7 m · 2 fl. |
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 82,554 companies in sector 70200 we hold annual accounts for 52,573. 23,233 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-10-2009
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.