Who Els(e)
ActiveWho Els(e) has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €109k and a net result of €22k. Equity is growing by ~11.9% per year across the filed fiscal years. Its solvency ranks better than 88% of 7017 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
88
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability92▲+83
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 9.28 against 16.6 in 2024; short-term debt: 10% and cash: 82.8% of total assets), and 10% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
90%
Return on assets
18.4%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-06-2026, 31 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
31 d early
2024
27 d late
2023
20 d early
2022
25 d early
2021
33 d early
2020
30 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€109k▲ 25.8%
2024 · €87k
2020: €51k
2021: €71k
2022: €84k
2023: €94k
2024: €87k
2020 → 2025
Total assets
€121k▲ 31.8%
2024 · €92k
2020: €74k
2021: €99k
2022: €106k
2023: €106k
2024: €92k
2020 → 2025
Net result
€22k
2024 · €-7k
2020: €46k
2021: €21k
2022: €13k
2023: €10k
2024: €-7k
2020 → 2025
Working capital
€101k▲ 22.5%
2024 · €82k
2020: €48k
2021: €68k
2022: €82k
2023: €91k
2024: €82k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€71k-€84k▲ 18.8%€94k▲ 12.1%€87k▼ 7.5%€109k▲ 25.8%
Operating result€26k-€17k▼ 34.4%€13k▼ 22.5%€-7k€32k
Net result€21k-€13k▼ 36.1%€10k▼ 23.5%€-7k€22k
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: €32k after a loss of €7k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €121k
Fixed assets
€8k▲ 87.6%
Current assets
€113k▲ 29.0%
Equity and liabilities €121k
Equity
€109k▲ 25.8%
Debt
€12k▲ 131%
The debt ratio rises from 5.7% to 10.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€33k▲
2024 · €-6k
Cash flow
€23k▲
2024 · €-6k
Solvency
90.0%▼
2024 · 94.3%
Current ratio
9.28▼
2024 · 16.60
Quick ratio
9.28▼
2024 · 16.60
Debt / equity
0.11▲
2024 · 0.06
ROE
20.5%▲
2024 · -8.1%
ROA
18.4%▲
2024 · -7.6%
Interest coverage
14.56▲
2024 · -131.39
Debt
€12k▲
2024 · €5k
Debt ≤ 1 year
€12k▲
2024 · €5k
Income taxes
€7k▲
2024 · €129
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€92k€121k▲
Fixed assets21/28€4k€8k▲
Tangible fixed assets22/27€4k€8k▲
Land and buildings22€4k€8k▲
Plant, machinery and equipment23€621€317▼
Current assets29/58€88k€113k▲
Amounts receivable within one year40/41€1k€12k▲
Trade receivables40€0€11k▲
Other amounts receivable41€1k€919▼
Cash at bank and in hand54/58€86k€101k▲
Deferred charges and accrued income490/1€782€359▼
Equity and liabilities
Total equity and liabilities10/49€92k€121k▲
Equity10/15€87k€109k▲
Contributions10/11€5k€5k=
Reserves13€82k€104k▲
Distributable reserves133€82k€104k▲
Amounts payable17/49€5k€12k▲
Amounts payable within one year42/48€5k€12k▲
Trade debts44€385€2k▲
Suppliers440/4€385€2k▲
Taxes, remuneration and social security45€3k€8k▲
Taxes450/3€3k€8k▲
Remuneration and social security454/9€0-
Other amounts payable47/48€1k€2k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k▼
Other operating charges640/8€1k€622▼
Gross operating margin9900€-5k€34k▲
Operating profit (loss)9901€-7k€32k▲
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€44€2k▲
Recurring financial charges65€44€2k▲
Profit (loss) for the period before taxes9903€-7k€30k▲
Income taxes67/77€129€7k▲
Profit (loss) for the period9904€-7k€22k▲
Profit (loss) for the period to be appropriated9905€-7k€22k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-7k€22k▲
Transfer from equity791/2€7k€0▼
Transfer to equity691/2€0€22k▲
To other reserves6921€0€22k▲
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
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €22k
Net result €22k after one loss-making year.
31-12
Financial
Equity above €100kEq €109k ▲25.8%
Equity rises from €87k to €109k.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
31-12
Financial
Weakest financial yearnet €-7k ▼169%
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
11-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
06-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
01-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
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, Brasschaat · 1 establishment unit since 2020
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.
Hulshout 132930 BrasschaatGround area
810 m²
Building footprint
141 m²
Volume, LiDAR
672 m³
Parcel 11323F0165/00B006, Flanders · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Who Els(e)
since 20202.299.406.774
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11323F0165/00B006 | Flanders | 810 m² | 1 · 141 m² | 8.7 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.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 143 EUR awarded · 143 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 143 EUR | 143 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 13,422 companies in sector 73300 we hold annual accounts for 6,900. 5,576 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-02-2020
Fiscal year end31-12
Activities, NACEBEL
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:els.schroeven@hotmail.com