U AND CO
ActiveU AND CO has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €50k and a net result of €544. Equity is growing by ~16.7% per year across the filed fiscal years. Its solvency ranks better than 28% of 1897 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
58
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability32▼-57
Solvency52▲+1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2.5k at 30 days acceptable
Liquidity ample (current ratio 1.6 against 1.0 in 2024; short-term debt: 38.4% and cash: 17.7% of total assets), but 73.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 63
Relative position
BE, all sectors
reference
Sector 63
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
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
26.5%
Return on assets
0.3%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 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
26 d late
2024
29 d late
2023
34 d late
2022
29 d late
2021
24 d late
2020
27 d late
2019
91 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€50k▲ 1.1%
2024 · €49k
2018: €-5k
2019: €23k
2020: €27k
2021: €28k
2022: €115k
2023: €115k
2024: €49k
2018 → 2025
Total assets
€189k▼ 2.4%
2024 · €193k
2018: €44k
2019: €115k
2020: €118k
2021: €85k
2022: €228k
2023: €231k
2024: €193k
2018 → 2025
Net result
€544▼ 98.2%
2024 · €31k
2018: €407
2019: €29k
2020: €5k
2021: €3k
2022: €88k
2023: €2k
2024: €31k
2018 → 2025
Working capital
€44k
2024 · €-313
2018: €-25k
2019: €-9k
2020: €-4k
2021: €-2k
2022: €68k
2023: €52k
2024: €-313
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€28k-€115k▲ 312%€115k▲ 0.6%€49k▼ 57.2%€50k▲ 1.1%
Operating result€8k-€132k▲ 1,647%€13k▼ 90.1%€52k▲ 300%€24k▼ 54.2%
Net result€3k-€88k▲ 2,914%€2k▼ 97.4%€31k▲ 1,244%€544▼ 98.2%
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 54% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €189k
Fixed assets
€73k▲ 25.3%
Current assets
€116k▼ 14.3%
Equity and liabilities €189k
Equity
€50k▲ 1.1%
Debt
€139k▼ 3.6%
The debt ratio falls from 74.4% to 73.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€32k▼
2024 · €71k
Cash flow
€9k▼
2024 · €49k
Solvency
26.5%▲
2024 · 25.6%
Current ratio
1.60▲
2024 · 1.00
Quick ratio
1.60▲
2024 · 1.00
Debt / equity
2.77▼
2024 · 2.91
ROE
1.1%▼
2024 · 62.0%
ROA
0.3%▼
2024 · 15.9%
Interest coverage
1.61▼
2024 · 23.52
Debt
€139k▼
2024 · €144k
Debt ≤ 1 year
€72k▼
2024 · €136k
Debt > 1 year
€66k▲
2024 · €8k
Income taxes
€5k▼
2024 · €19k
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€193k€189k▼
Fixed assets21/28€58k€73k▲
Tangible fixed assets22/27€58k€73k▲
Furniture and vehicles24€31k€41k▲
Other tangible fixed assets26€27k€31k▲
Current assets29/58€135k€116k▼
Amounts receivable within one year40/41€21k€75k▲
Trade receivables40€15k€28k▲
Other amounts receivable41€6k€47k▲
Current investments50/53€90k-
Cash at bank and in hand54/58€21k€33k▲
Deferred charges and accrued income490/1€4k€7k▲
Equity and liabilities
Total equity and liabilities10/49€193k€189k▼
Equity10/15€49k€50k▲
Contributions10/11€6k€6k=
Reserves13€37k€37k=
Tax-exempt reserves132€1k€1k=
Distributable reserves133€36k€36k=
Profit (loss) carried forward14€6k€7k▲
Amounts payable17/49€144k€139k▼
Amounts payable after more than one year17€8k€66k▲
Financial debts170/4€8k€66k▲
Amounts payable within one year42/48€136k€72k▼
Current portion of amounts payable after more than one year42€7k€19k▲
Financial debts43-€970
Credit institutions430/8-€970
Trade debts44€6k€3k▼
Suppliers440/4€6k€3k▼
Taxes, remuneration and social security45€49k€49k▼
Taxes450/3€49k€46k▼
Remuneration and social security454/9-€3k
Other amounts payable47/48€74k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€8k▼
Other operating charges640/8€40k€2k▼
Gross operating margin9900€111k€34k▼
Operating profit (loss)9901€52k€24k▼
Financial income75/76B€228€1k▲
Recurring financial income75€228€1k▲
Financial charges65/66B€3k€20k▲
Recurring financial charges65€3k€20k▲
Profit (loss) for the period before taxes9903€49k€5k▼
Income taxes67/77€19k€5k▼
Profit (loss) for the period9904€31k€544▼
Profit (loss) for the period to be appropriated9905€31k€544▼
Appropriation of the result
Profit (loss) to be appropriated9906€94k€7k▼
Profit (loss) brought forward from the previous period14P€63k€6k▼
Transfer from equity791/2€40k-
Transfer to equity691/2€31k-
To other reserves6921€31k-
Profit to be distributed694/7€97k-
Return on contributions (dividend)694€97k-
The notes to these accounts (9 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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
03-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 34 days late
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
31-12
Financial
Highest result since 2018net €88k ▲2914%
Operating result €132k, net result €88k, both a record.
31-12
Financial
Equity above €100kEq €115k ▲312%
5 profitable years in a row build equity to €115k.
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 24 days late
2021
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
29-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
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, Genappe · 2 establishment units 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.
Rue du Château 461470 GenappeGround area
2,247 m²
Building footprint
252 m²
Volume, LiDAR
1,208 m³
2 parcels, Brussels, Wallonia · tallest building 15.9 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
Rue du Château 46, 1470 Genappe
since 20112.202.928.792
Terhulpsesteenweg 374, 1170 Watermaal-Bosvoorde
since 20152.247.200.582
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25013F0152/00D000 | Wallonia | 2,058 m² | 1 · 171 m² | 15.9 m · 1 fl. |
| 21652F0062/00S018 | Brussels | 189 m² | 1 · 81 m² | 10.4 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.
Similar companies · same sector, comparable size
Windward
BE 0684.543.450
Brugge · Eq €50k
ALL MEDIAS & EVENTS
BE 0899.813.372
Fernelmont · Eq €50k
SOFINARIO
BE 0840.781.152
Overijse · Eq €50k
TCHIKEE
BE 0832.464.094
Brussel · Eq €49k
DOT8
BE 0795.951.118
Maldegem · Eq €49k
Of 2,790 companies in sector 63910 we hold annual accounts for 700. 546 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-09-2011
Fiscal year end31-12
Activities, NACEBEL
63120Computing infrastructure, data processing, hosting and other information service activities
63910Web portal activities
70210Activities of head offices; management consultancy activities
73110Advertising agencies
73300Public relations and communication consultancy
77330Rental and leasing activities
90032Arts creation and performing arts activities
90120Visual arts creation
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.