V4
ActiveV4 has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €340k and a net result of €89k. Equity remains stable across the filed fiscal years (±2.4% per year). Its solvency ranks better than 65% of 31487 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
93
/ 100
Excellent▼ -5 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+1
Growth78▲+20
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 4.31 against 3.27 in 2024), and 29.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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
70.6%
Return on assets
18.5%
Age of the figures
11 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
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €340k
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 27-03-2026, 34 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
34 d early
2024
on the day
2023
32 d early
2022
30 d early
2021
37 d early
2020
33 d early
2019
34 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
12-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€340k▲ 35.6%
2024 · €251k
2018: €262k
2019: €225k
2020: €276k
2021: €376k
2022: €328k
2023: €291k
2024: €251k
2018 → 2025
Total assets
€481k▲ 19.5%
2024 · €403k
2018: €265k
2019: €238k
2020: €514k
2021: €589k
2022: €495k
2023: €439k
2024: €403k
2018 → 2025
Net result
€89k▼ 3.2%
2024 · €92k
2018: €-30k
2019: €-37k
2020: €51k
2021: €100k
2022: €47k
2023: €15k
2024: €92k
2018 → 2025
Working capital
€205k▲ 66.7%
2024 · €123k
2018: €231k
2019: €209k
2020: €37k
2021: €289k
2022: €234k
2023: €167k
2024: €123k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€376k-€328k▼ 12.6%€291k▼ 11.4%€251k▼ 13.9%€340k▲ 35.6%
Operating result€142k-€65k▼ 54.2%€9k▼ 86.3%€116k▲ 1,206%€137k▲ 17.6%
Net result€100k-€47k▼ 52.4%€15k▼ 68.3%€92k▲ 513%€89k▼ 3.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 18% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €481k
Fixed assets
€215k▼ 4.9%
Current assets
€267k▲ 50.6%
Equity and liabilities €481k
Equity
€340k▲ 35.6%
Debt
€142k▼ 7.0%
The debt ratio falls from 37.8% to 29.4%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€152k▲
2024 · €132k
Cash flow
€105k▼
2024 · €108k
Solvency
70.6%▲
2024 · 62.2%
Current ratio
4.31▲
2024 · 3.27
Quick ratio
4.31▲
2024 · 3.27
Debt / equity
0.42▼
2024 · 0.61
ROE
26.3%▼
2024 · 36.8%
ROA
18.5%▼
2024 · 22.9%
Interest coverage
69.57▼
2024 · 91.49
Debt
€142k▼
2024 · €152k
Debt ≤ 1 year
€62k▲
2024 · €54k
Debt > 1 year
€78k▼
2024 · €96k
Income taxes
€45k▲
2024 · €40k
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€403k€481k▲
Fixed assets21/28€226k€215k▼
Tangible fixed assets22/27€226k€215k▼
Land and buildings22€202k€196k▼
Furniture and vehicles24€23k€18k▼
Other tangible fixed assets26€456€166▼
Financial fixed assets28€0-
Current assets29/58€177k€267k▲
Amounts receivable within one year40/41€1k€26k▲
Trade receivables40€1k€26k▲
Other amounts receivable41€0-
Current investments50/53€58k€179k▲
Cash at bank and in hand54/58€118k€62k▼
Deferred charges and accrued income490/1€0€408▲
Equity and liabilities
Total equity and liabilities10/49€403k€481k▲
Equity10/15€251k€340k▲
Contributions10/11€12k€12k=
Reserves13€238k€327k▲
Distributable reserves133€238k€327k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€152k€142k▼
Amounts payable after more than one year17€96k€78k▼
Financial debts170/4€96k€78k▼
Amounts payable within one year42/48€54k€62k▲
Current portion of amounts payable after more than one year42€18k€20k▲
Trade debts44€1k€8k▲
Suppliers440/4€1k€8k▲
Taxes, remuneration and social security45€21k€30k▲
Taxes450/3€21k€27k▲
Remuneration and social security454/9-€3k
Other amounts payable47/48€15k€4k▼
Accrued charges and deferred income492/3€2k€2k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€16k▲
Other operating charges640/8€2k€2k▼
Non-recurring operating charges66A€0-
Gross operating margin9900€134k€154k▲
Operating profit (loss)9901€116k€137k▲
Financial income75/76B€18k€1▼
Recurring financial income75€1k€1▼
Non-recurring financial income76B€17k€0▼
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€133k€135k▲
Income taxes67/77€40k€45k▲
Profit (loss) for the period9904€92k€89k▼
Profit (loss) for the period to be appropriated9905€92k€89k▼
Appropriation of the result
Profit (loss) to be appropriated9906€92k€89k▼
Transfer from equity791/2€133k€0▼
Transfer to equity691/2€92k€89k▼
To other reserves6921€92k€89k▼
Profit to be distributed694/7€133k€0▼
Return on contributions (dividend)694€133k€0▼
The notes to these accounts (13 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
27-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
24-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Highest result since 2018net €100k ▲95.2%
Operating result €142k, net result €100k, both a record.
30-09
Financial
Liquidity times 5current ratio 5.54
Current ratio from 1.16 to 5.54; short-term debt falls from €237k to €64k.
28-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Back to profitnet €51k
Net result €51k after 2 loss-making years.
27-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Weakest financial yearnet €-37k
Net result drops to €-37k, the lowest in the series; recovery starts the following year.
05-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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-Martens-Latem · 1 establishment unit since 2013
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.
Twee Dreven 699830 Sint-Martens-LatemGround area
1,129 m²
Building footprint
225 m²
Volume, LiDAR
1,205 m³
Parcel 44064B0880/00G000, Flanders · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
V4
since 20132.218.146.510
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44064B0880/00G000 | Flanders | 1,129 m² | 1 · 225 m² | 8.8 m · 2 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.
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Pyckestroom
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ARLAMA
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KARLINAT
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AQUACONSULTANTS
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Of 82,201 companies in sector 70200 we hold annual accounts for 52,400. 37,268 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-02-2013
Fiscal year end30-09
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.