YOUR LANGUAGE
ActiveYOUR LANGUAGE has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €128k and a net result of €-28k. Equity is shrinking by ~4.3% per year across the filed fiscal years. Its solvency ranks better than 17% of 20785 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
Axes · tick = 2023
Profitability0=
Solvency13▼-9
Growth32=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.04 against 0.09 in 2023), and 80.9% 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 62
Relative position
BE, all sectors
reference
Sector 62
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
19.1%
Return on assets
-4.2%
Age of the figures
20 mo
raises risk · Persistent losses
Two consecutive loss-making years (2023 and 2024); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2024Net result per financial year
18192021222324
2018 to 2024 · latest year -€28k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 20785 sector peers (2024).
NBB · sector comparisonPosition among 20785 sector peers
Solvency
better than 17%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 19-06-2025, 42 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
42 d early
2023
34 d early
2022
31 d early
2021
31 d early
2020
9 d early
2019
36 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€128k▼ 18.2%
2023 · €156k
2018: €166k
2019: €191k
2020: €213k
2021: €256k
2022: €205k
2023: €156k
2018 → 2024
Total assets
€671k▼ 1.0%
2023 · €678k
2018: €484k
2019: €497k
2020: €526k
2021: €529k
2022: €633k
2023: €678k
2018 → 2024
Net result
€-28k▲ 41.2%
2023 · €-48k
2018: €9k
2019: €25k
2020: €22k
2021: €43k
2022: €-52k
2023: €-48k
2018 → 2024
Working capital
€-320k▼ 11.8%
2023 · €-286k
2018: €52k
2019: €89k
2020: €129k
2021: €127k
2022: €-207k
2023: €-286k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€213k-€256k▲ 20.2%€205k▼ 20.1%€156k▼ 23.6%€128k▼ 18.2%
Operating result€44k-€68k▲ 56.0%€-40k€-36k▲ 11.6%€-15k▲ 58.3%
Net result€22k-€43k▲ 98.9%€-52k€-48k▲ 6.3%€-28k▲ 41.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €15k in 2024 against €36k in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €671k
Fixed assets
€656k▲ 0.9%
Current assets
€15k▼ 46.3%
Equity and liabilities €671k
Equity
€128k▼ 18.2%
Debt
€543k▲ 4.1%
The debt ratio rises from 77.0% to 80.9%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€14k▲
2023 · €-9k
Cash flow
€75▲
2023 · €-22k
Solvency
19.1%▼
2023 · 23.0%
Current ratio
0.04▼
2023 · 0.09
Quick ratio
0.04▼
2023 · 0.09
Debt / equity
4.25▲
2023 · 3.34
ROE
-22.2%▲
2023 · -30.9%
ROA
-4.2%▲
2023 · -7.1%
Interest coverage
1.05▲
2023 · -0.78
Debt
€543k▲
2023 · €522k
Debt ≤ 1 year
€335k▲
2023 · €314k
Debt > 1 year
€200k=
2023 · €200k
Income taxes
€551▼
2023 · €576
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€678k€671k▼
Fixed assets21/28€650k€656k▲
Tangible fixed assets22/27€650k€656k▲
Land and buildings22€620k€635k▲
Plant, machinery and equipment23-€2k
Furniture and vehicles24€31k€20k▼
Financial fixed assets28€0-
Current assets29/58€28k€15k▼
Amounts receivable after more than one year29€32€32=
Other amounts receivable291€32€32=
Amounts receivable within one year40/41€3k€6k▲
Trade receivables40€2k€4k▲
Other amounts receivable41€393€2k▲
Cash at bank and in hand54/58€25k€9k▼
Equity and liabilities
Total equity and liabilities10/49€678k€671k▼
Equity10/15€156k€128k▼
Contributions10/11€6k€6k=
Reserves13€150k€122k▼
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€150k€122k▼
Amounts payable17/49€522k€543k▲
Amounts payable after more than one year17€200k€200k=
Financial debts170/4€200k€200k=
Amounts payable within one year42/48€314k€335k▲
Trade debts44€521€685▲
Suppliers440/4€521€685▲
Taxes, remuneration and social security45€8k€4k▼
Taxes450/3€8k€4k▼
Other amounts payable47/48€306k€330k▲
Accrued charges and deferred income492/3€8k€9k▲
Income statement
Code20232024
Non-recurring operating income76A€4k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€26k€28k▲
Other operating charges640/8€2k€2k▼
Gross operating margin9900€-7k€16k▲
Operating profit (loss)9901€-36k€-15k▲
Financial income75/76B€0€2▲
Recurring financial income75€0€2▲
Financial charges65/66B€12k€13k▲
Recurring financial charges65€12k€13k▲
Profit (loss) for the period before taxes9903€-48k€-28k▲
Income taxes67/77€576€551▼
Profit (loss) for the period9904€-48k€-28k▲
Profit (loss) for the period to be appropriated9905€-48k€-28k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-48k€-28k▲
Transfer from equity791/2€48k€28k▼
The notes to these accounts (14 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
19-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-52k ▼220%
Net result drops to €-52k, the lowest in the series; recovery starts the following year.
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €43k ▲98.9%
Operating result €68k, net result €43k, both a record.
22-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €200kEq €213k ▲11.3%
3 profitable years in a row build equity to €213k.
25-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
05-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
22-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
26-07
NBB filing
Annual accounts filed
fiscal year 2015 · 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, Antwerpen · 1 establishment unit since 2014
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.
Esmoreitlaan 12050 AntwerpenGround area
3,459 m²
Building footprint
626 m²
Volume, LiDAR
35,451 m³
Parcel 11813N0721/00X003, Flanders · tallest building 75.8 m, ±23 floors. Linked by address, not a title deed.
1 establishment unit
YOUR LANGUAGE
since 20142.237.684.783
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11813N0721/00X003 | Flanders | 3,459 m² | 1 · 626 m² | 75.8 m · 23 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.
Similar companies · same sector, comparable size
L2 Consulting
BE 0798.599.614
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JALICOM CONSULTING
BE 0841.582.886
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DE JAEGHER CONSULTING
BE 0695.968.961
Sint-Lievens-Houtem · Eq €128k
NGM CONSULTANCY
BE 0800.378.573
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SEMANTIQ
BE 0823.420.528
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Of 29,885 companies in sector 62200 we hold annual accounts for 18,321. 15,386 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-08-1999
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
72100
74300Other professional, scientific and technical activities
74301Translation services
74852
Sources
Crossroads Bank for EnterprisesNational Bank · 25 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.