@Your Service
Active@Your Service has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €17k and a net result of €11k. Equity is shrinking by ~4.3% per year across the filed fiscal years. Its solvency ranks better than 86% of 27711 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
87
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+61
Growth32=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 5.26 against 1.16 in 2024; short-term debt: 18.6% and cash: 28.9% of total assets), and 19.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← 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
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
80.9%
Return on assets
51.3%
Age of the figures
12 mo
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 30-04-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
3 d early
2023
on the day
2022
1 d late
2021
on the day
2020
on the day
2019
on the day
← 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
22-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€7k
EBIT margin
-180.1%
Net result
€11k▼ 7.6%
2024 · €12k
2018: €14k
2019: €5k
2020: €109
2021: €-14k
2022: €12k
2023: €-3k
2024: €12k
2018 → 2025
Working capital
€17k▲ 174%
2024 · €6k
2018: €15k
2019: €13k
2020: €14k
2021: €7k
2022: €20k
2023: €17k
2024: €6k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€7k-
Equity€8k-€20k▲ 156%€18k▼ 13.7%€6k▼ 64.7%€17k▲ 174%
Operating result€-13k-€13k€-3k€15k€16k▲ 5.7%
Net result€-14k-€12k€-3k€12k€11k▼ 7.6%
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 6% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €21k
Fixed assets
€500=
Current assets
€21k▼ 54.3%
Equity and liabilities €21k
Equity
€17k▲ 174%
Debt
€4k▼ 89.7%
The debt ratio falls from 86.3% to 19.1%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
80.9%▲
2024 · 13.7%
Current ratio
5.26▲
2024 · 1.16
Quick ratio
5.26▲
2024 · 1.16
Debt / equity
0.24▼
2024 · 6.31
ROE
63.5%▼
2024 · 188.2%
ROA
51.3%▲
2024 · 25.7%
Debt
€4k▼
2024 · €39k
Debt ≤ 1 year
€4k▼
2024 · €39k
Income taxes
€5k▲
2024 · €3k
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€45k€21k▼
Fixed assets21/28€500€500=
Financial fixed assets28€500€500=
Current assets29/58€45k€21k▼
Amounts receivable within one year40/41€29k€14k▼
Trade receivables40€29k€10k▼
Other amounts receivable41€412€4k▲
Cash at bank and in hand54/58€15k€6k▼
Deferred charges and accrued income490/1€575€273▼
Equity and liabilities
Total equity and liabilities10/49€45k€21k▼
Equity10/15€6k€17k▲
Contributions10/11€6k€6k=
Reserves13€0€11k▲
Distributable reserves133€0€11k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€39k€4k▼
Amounts payable within one year42/48€39k€4k▼
Trade debts44€14k€2k▼
Suppliers440/4€14k€2k▼
Taxes, remuneration and social security45€9k€2k▼
Taxes450/3€9k€2k▼
Other amounts payable47/48€16k€0▼
Accrued charges and deferred income492/3€363€120▼
Income statement
Code20242025
Other operating charges640/8€751€763▲
Gross operating margin9900€16k€17k▲
Operating profit (loss)9901€15k€16k▲
Financial income75/76B€43€0▼
Recurring financial income75€43€0▼
Financial charges65/66B€228€210▼
Recurring financial charges65€228€210▼
Profit (loss) for the period before taxes9903€15k€16k▲
Income taxes67/77€3k€5k▲
Profit (loss) for the period9904€12k€11k▼
Profit (loss) for the period to be appropriated9905€12k€11k▼
Appropriation of the result
Profit (loss) to be appropriated9906€8k€11k▲
Profit (loss) brought forward from the previous period14P€-4k€0▲
Transfer from equity791/2€15k€0▼
Transfer to equity691/2-€11k
To other reserves6921-€11k
Profit to be distributed694/7€23k€0▼
Directors or managers695€23k€0▼
The notes to these accounts (10 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
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Liquidity times 5current ratio 5.26
Current ratio from 1.16 to 5.26; short-term debt falls from €39k to €4k.
27-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Back to profitnet €12k
Net result €12k after one loss-making year.
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
01-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 1 day late
2022
30-09
Financial
Back to profitnet €12k
Net result €12k after one loss-making year.
30-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Weakest financial yearnet €-14k ▼12721%
Net result drops to €-14k, the lowest in the series; recovery starts the following year.
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
10-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 10 days late
2018
30-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-04
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
12 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, Kapellen · 1 establishment unit since 2010
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.
Hoogboomsteenweg 72950 KapellenGround area
591 m²
Building footprint
143 m²
Volume, LiDAR
1,572 m³
Parcel 11362M0125/00K000, Flanders · tallest building 15.3 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
@Your Service
since 20102.190.415.891
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11362M0125/00K000 | Flanders | 591 m² | 1 · 143 m² | 15.3 m · 4 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
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Of 7,294 companies in sector 43350 we hold annual accounts for 2,361. 1,689 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-08-2010
Fiscal year end30-09
Activities, NACEBEL
43350Other building finishing work
43320Joinery installation
43910Bricklaying and masonry work
43992Specialised construction activities
43994Specialised construction activities
81220Other building cleaning and industrial cleaning
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.