U-secure
ActiveU-secure is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show negative equity (€-35k) and a net result of €16k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 5% of 2413 sector peers (fiscal year 2025). The company has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 2413 sector peers (2025).
NBB · sector comparisonPosition among 2413 sector peers
Solvency
better than 5%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-08-2026, 18 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
18 d late
2024
2 d late
2023
40 d late
2022
4 d late
2021
16 d late
2020
27 d late
2019
25 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-35k▲ 30.9%
2024 · €-50k
2018: €4k
2019: €-15k
2020: €31k
2021: €43k
2022: €21k
2023: €4k
2024: €-50k
2018 → 2025
Net result
€16k
2024 · €-54k
2018: €135k
2019: €-19k
2020: €46k
2021: €11k
2022: €-22k
2023: €-17k
2024: €-54k
2018 → 2025
Total assets
€30k▲ 86.6%
2024 · €16k
2018: €10k
2019: €10k
2020: €59k
2021: €62k
2022: €60k
2023: €27k
2024: €16k
2018 → 2025
Solvency
-115.1%▲ 195.6pp
2024 · -310.7%
2018: 46.7%
2019: -148.3%
2020: 53.0%
2021: 68.5%
2022: 35.0%
2023: 14.3%
2024: -310.7%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€43k-€21k▼ 50.5%€4k▼ 81.7%€-50k€-35k▲ 30.9%
Operating result€15k-€-21k€-17k▲ 21.1%€-57k▼ 242%€18k
Net result€11k-€-22k€-17k▲ 20.0%€-54k▼ 214%€16k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €18k after a loss of €57k in 2024, the highest year so far.
Key figures and ratios
Solvency
-115.1%▲
2024 · -310.7%
ROE
-44.7%▼
2024 · 107.7%
ROA
51.4%▲
2024 · -334.6%
Debt
€65k▼
2024 · €67k
Debt ≤ 1 year
€48k▼
2024 · €65k
Debt > 1 year
€17k▲
2024 · €1k
Income taxes
€171▼
2024 · €174
Staff costs
€90k▲
2024 · €36k
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€16k€30k▲
Fixed assets21/28€1k-
Tangible fixed assets22/27€1k-
Furniture and vehicles24€1k-
Current assets29/58€15k€30k▲
Amounts receivable within one year40/41€13k€30k▲
Trade receivables40€2k€13k▲
Other amounts receivable41€11k€17k▲
Cash at bank and in hand54/58€1k€158▼
Deferred charges and accrued income490/1€875-
Equity and liabilities
Total equity and liabilities10/49€16k€30k▲
Equity10/15€-50k€-35k▲
Contributions10/11€20k€20k=
Reserves13€1k€1k=
Distributable reserves133€1k€1k=
Profit (loss) carried forward14€-72k€-56k▲
Amounts payable17/49€67k€65k▼
Amounts payable after more than one year17€1k€17k▲
Financial debts170/4€1k€17k▲
Amounts payable within one year42/48€65k€48k▼
Current portion of amounts payable after more than one year42€6k€13k▲
Trade debts44€45k€12k▼
Suppliers440/4€45k€12k▼
Taxes, remuneration and social security45€6k€13k▲
Taxes450/3€339€171▼
Remuneration and social security454/9€5k€13k▲
Other amounts payable47/48€8k€10k▲
Income statement
Code20242025
Remuneration, social security and pensions62€36k€90k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€1k▼
Other operating charges640/8€606€446▼
Gross operating margin9900€-12k€110k▲
Operating profit (loss)9901€-57k€18k▲
Financial income75/76B€3k-
Recurring financial income75€3k-
Financial charges65/66B€594€2k▲
Recurring financial charges65€594€2k▲
Profit (loss) for the period before taxes9903€-54k€16k▲
Income taxes67/77€174€171▼
Profit (loss) for the period9904€-54k€16k▲
Profit (loss) for the period to be appropriated9905€-54k€16k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-72k€-56k▲
Profit (loss) brought forward from the previous period14P€-17k€-72k▼
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
18-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 18 days late
2025
31-12
Financial
Back to profitnet €16k
Net result €16k after 3 loss-making years.
02-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 2 days late
2024
31-12
Financial
Weakest financial yearnet €-54k
Net result drops to €-54k, the lowest in the series; recovery starts the following year.
09-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 40 days late
2023
04-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 4 days late
2022
16-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 16 days late
2021
31-12
Financial
Liquidity triplescurrent ratio 21.45
Current ratio from 7.16 to 21.45; short-term debt falls from €8k to €3k.
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
31-12
Financial
Back to profitnet €46k
Net result €46k after one loss-making year.
31-12
Financial
Liquidity times 9current ratio 7.16
Current ratio from 0.82 to 7.16; short-term debt falls from €12k to €8k.
06-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
29-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 272 days late
2018
21-03
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 233 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
9 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, Liège · 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.
Rue de Verviers 2/54020 LiègeGround area
7,230 m²
Building footprint
2,885 m²
Volume, LiDAR
22,809 m³
2 parcels, Wallonia · tallest building 18.5 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
2D Consult
since 20112.202.177.241
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62312B0024/00F005 | Wallonia | 7,080 m² | 1 · 2,748 m² | 9.4 m · 3 fl. |
| 62806C0654/00G006 | Wallonia | 150 m² | 1 · 136 m² | 18.5 m · 6 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 4,670 companies in sector 66220 we hold annual accounts for 3,216. 487 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-08-2011
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.