VALUE DRIVER
ActiveVALUE DRIVER has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €53k and a net result of €77k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 30% of 31545 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
91
/ 100
Excellent▲ +79 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency58▲+21
Growth32=
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 1.57 against 0.68 in 2024), but 70.8% 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+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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
29.2%
Return on assets
42.7%
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 14-08-2026, 14 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 · 6 filingsDeviation from the deadline
2025
14 d late
2024
38 d early
2023
21 d early
2022
11 d late
2021
12 d late
2020
20 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
€53k
2024 · €-24k
2020: €99k
2021: €122k
2022: €144k
2023: €8k
2024: €-24k
2020 → 2025
Total assets
€180k▲ 86.5%
2024 · €96k
2020: €184k
2021: €155k
2022: €184k
2023: €168k
2024: €96k
2020 → 2025
Net result
€77k
2024 · €-32k
2020: €91k
2021: €46k
2022: €22k
2023: €57k
2024: €-32k
2020 → 2025
Working capital
€58k
2024 · €-33k
2020: €103k
2021: €122k
2022: €147k
2023: €2k
2024: €-33k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€122k-€144k▲ 17.9%€8k▼ 94.8%€-24k€53k
Operating result€59k-€29k▼ 50.3%€75k▲ 156%€-30k€93k
Net result€46k-€22k▼ 53.2%€57k▲ 161%€-32k€77k
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: €93k after a loss of €30k in 2024, the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €180k
Fixed assets
€19k▼ 28.8%
Current assets
€160k▲ 132%
Equity and liabilities €180k
Equity
€53k
Debt
€127k
Debt finances 70.8% of the balance-sheet total.
Key figures and ratios
EBITDA
€101k▲
2024 · €-22k
Cash flow
€85k▲
2024 · €-24k
Solvency
29.2%▲
2024 · -25.1%
Current ratio
1.57▲
2024 · 0.68
Quick ratio
1.57▲
2024 · 0.68
Debt / equity
2.42▲
2024 · -4.98
ROE
146.1%▲
2024 · 131.0%
ROA
42.7%▲
2024 · -32.9%
Interest coverage
86.43▲
2024 · -15.21
Debt
€127k▲
2024 · €121k
Debt ≤ 1 year
€102k▲
2024 · €102k
Debt > 1 year
€11k▼
2024 · €19k
Income taxes
€16k▲
2024 · €140
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€96k€180k▲
Fixed assets21/28€27k€19k▼
Tangible fixed assets22/27€27k€19k▼
Furniture and vehicles24€27k€19k▼
Current assets29/58€69k€160k▲
Amounts receivable within one year40/41€4k€116k▲
Trade receivables40-€92k
Other amounts receivable41€4k€24k▲
Cash at bank and in hand54/58€64k€43k▼
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€96k€180k▲
Equity10/15€-24k€53k▲
Contributions10/11€8k€8k=
Profit (loss) carried forward14€-32k€45k▲
Amounts payable17/49€121k€127k▲
Amounts payable after more than one year17€19k€11k▼
Financial debts170/4€19k€11k▼
Amounts payable within one year42/48€102k€102k▲
Current portion of amounts payable after more than one year42€7k€7k▲
Trade debts44€836€94k▲
Suppliers440/4€836€94k▲
Taxes, remuneration and social security45€208€604▲
Taxes450/3€208€604▲
Other amounts payable47/48€94k-
Accrued charges and deferred income492/3-€14k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€8k=
Gross operating margin9900€-22k€101k▲
Operating profit (loss)9901€-30k€93k▲
Financial income75/76B-€11
Recurring financial income75-€11
Financial charges65/66B€1k€1k▼
Recurring financial charges65€1k€1k▼
Profit (loss) for the period before taxes9903€-32k€92k▲
Income taxes67/77€140€16k▲
Profit (loss) for the period9904€-32k€77k▲
Profit (loss) for the period to be appropriated9905€-32k€77k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-32k€45k▲
Profit (loss) brought forward from the previous period14P-€-32k
The notes to these accounts (6 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
14-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 14 days late
2025
31-12
Financial
Back to profitnet €77k
Net result €77k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 1.57
Current ratio from 0.68 to 1.57.
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-32k ▼156%
Net result drops to €-32k, the lowest in the series; recovery starts the following year.
10-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
11-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 11 days late
2022
12-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 12 days late
2021
31-12
Financial
Liquidity doublescurrent ratio 4.72
Current ratio from 2.26 to 4.72; short-term debt falls from €82k to €33k.
31-12
Financial
Equity above €100kEq €122k ▲23.3%
2 profitable years in a row build equity to €122k.
20-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 20 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Schaarbeek · 1 establishment unit since 2019
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.
Lambermontlaan 1721030 SchaarbeekGround area
261 m²
Building footprint
111 m²
Volume, LiDAR
1,445 m³
Parcel 21902A0423/00B009, Brussels · tallest building 19.7 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
VALUE DRIVER
since 20192.296.282.483
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21902A0423/00B009 | Brussels | 261 m² | 1 · 111 m² | 19.7 m · 5 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.
Recognitions · licences · registrations
Legal Entity Identifier
254900IVMJBRZG7WHJ12
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Of 82,241 companies in sector 70200 we hold annual accounts for 52,391. 38,203 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-10-2019
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 6 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.