Zichtpunten
ActiveZichtpunten has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €10k and a net result of €46k. Equity remains stable across the filed fiscal years (±0.5% per year). Its solvency ranks better than 13% of 1898 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
61
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability91▲+4
Solvency29▼-71
Growth32▼-20
Track record94
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.01 against 7.99 in 2024; short-term debt: 95.8% and cash: 88.4% of total assets), and 96.3% 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
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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 63
Relative position
BE, all sectors
reference
Sector 63
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
3.7%
Return on assets
17.7%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 1898 sector peers (2025).
NBB · sector comparisonPosition among 1898 sector peers
Solvency
better than 13%
← weakest
strongest →
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 13-05-2026, 79 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
79 d early
2024
41 d early
2023
37 d early
2022
77 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
€10k▼ 94.5%
2024 · €174k
2022: €101k
2023: €145k
2024: €174k
2022 → 2025
Total assets
€257k▲ 29.1%
2024 · €199k
2022: €142k
2023: €169k
2024: €199k
2022 → 2025
Net result
€46k▲ 55.8%
2024 · €29k
2022: €98k
2023: €44k
2024: €29k
2022 → 2025
Working capital
€2k▼ 99.0%
2024 · €162k
2022: €81k
2023: €129k
2024: €162k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€101k-€145k▲ 43.3%€174k▲ 20.2%€10k▼ 94.5%
Operating result€125k-€56k▼ 55.4%€38k▼ 32.3%€62k▲ 64.3%
Net result€98k-€44k▼ 55.4%€29k▼ 33.2%€46k▲ 55.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 64% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €257k
Fixed assets
€9k▼ 32.9%
Current assets
€247k▲ 33.7%
Equity and liabilities €257k
Equity
€10k▼ 94.5%
Debt
€247k▲ 897%
The debt ratio rises from 12.5% to 96.3%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€68k▲
2024 · €44k
Cash flow
€51k▲
2024 · €35k
Solvency
3.7%▼
2024 · 87.5%
Current ratio
1.01▼
2024 · 7.99
Quick ratio
1.01▼
2024 · 7.99
Debt / equity
25.69▲
2024 · 0.14
ROE
473.7%▲
2024 · 16.8%
ROA
17.7%▲
2024 · 14.7%
Interest coverage
1598.94▲
2024 · 90.12
Debt
€247k▲
2024 · €25k
Debt ≤ 1 year
€246k▲
2024 · €23k
Income taxes
€16k▲
2024 · €8k
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€199k€257k▲
Fixed assets21/28€14k€9k▼
Tangible fixed assets22/27€14k€9k▼
Furniture and vehicles24€14k€9k▼
Current assets29/58€185k€247k▲
Amounts receivable within one year40/41€29k€19k▼
Trade receivables40€29k€19k▼
Cash at bank and in hand54/58€152k€227k▲
Deferred charges and accrued income490/1€4k€957▼
Equity and liabilities
Total equity and liabilities10/49€199k€257k▲
Equity10/15€174k€10k▼
Contributions10/11€3k€3k=
Reserves13€171k€7k▼
Distributable reserves133€171k€7k▼
Amounts payable17/49€25k€247k▲
Amounts payable within one year42/48€23k€246k▲
Trade debts44€407€531▲
Suppliers440/4€407€531▲
Taxes, remuneration and social security45€17k€38k▲
Taxes450/3€17k€38k▲
Other amounts payable47/48€6k€208k▲
Accrued charges and deferred income492/3€2k€1k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€6k▼
Other operating charges640/8€706€754▲
Gross operating margin9900€44k€68k▲
Operating profit (loss)9901€38k€62k▲
Financial charges65/66B€484€42▼
Recurring financial charges65€484€42▼
Profit (loss) for the period before taxes9903€37k€62k▲
Income taxes67/77€8k€16k▲
Profit (loss) for the period9904€29k€46k▲
Profit (loss) for the period to be appropriated9905€29k€46k▲
Appropriation of the result
Profit (loss) to be appropriated9906€29k€46k▲
Transfer from equity791/2-€210k
Transfer to equity691/2€29k€46k▲
To other reserves6921€29k€46k▲
Profit to be distributed694/7-€210k
Return on contributions (dividend)694-€210k
The notes to these accounts (5 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
13-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
20-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €29k ▼33.2%
Net result drops to €29k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €150kEq €174k ▲20.2%
3 profitable years in a row build equity to €174k.
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity doublescurrent ratio 6.73
Current ratio from 3.07 to 6.73; short-term debt falls from €39k to €23k.
15-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Mechelen · 1 establishment unit since 2021
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.
Kattenbleekstraat 122800 MechelenGround area
830 m²
Building footprint
636 m²
Volume, LiDAR
6,376 m³
Parcel 12025B0894/00N000, Flanders · tallest building 14.6 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Zichtpunten
since 20212.321.805.955
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12025B0894/00N000 | Flanders | 830 m² | 1 · 636 m² | 14.6 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.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 3 entries · 11,447 EUR awarded · 11,447 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 4,824 EUR | 4,824 EUR |
| 2023 | 1 | 4,824 EUR | 4,824 EUR |
| 2022 | 1 | 1,799 EUR | 1,799 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
Xenos Outsourcing
BE 1019.246.702
Genk · Eq €10k
DNOVO-SOLUTIONS
BE 0832.075.403
Brasschaat · Eq €10k
Porthos
BE 0768.233.961
Antwerpen · Eq €10k
HANGAR 22
BE 0844.744.888
Gent · Eq €10k
Flims.Z
BE 1015.781.030
Knokke-Heist · Eq €9k
Of 3,153 companies in sector 63920 we hold annual accounts for 1,522. 760 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-09-2021
Fiscal year end31-12
Activities, NACEBEL
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73200Market research and public opinion polling
73300Public relations and communication consultancy
82100Office administrative and support services
82110Office administrative, office support and other business support activities
96999Other personal services
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:katrijn.clemer@elzmechelenkatelijne.be
Phone:0493397839