CRESCENDO
ActiveCRESCENDO has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €993k and a net result of €463k. Equity is growing by ~10.6% per year across the filed fiscal years. Its solvency ranks better than 95% of 2008 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very 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
Profitability50▼-32
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €85k at 30 days acceptable
Liquidity ample (current ratio 15.46 against 15.18 in 2024; short-term debt: 6.3% and cash: 38.5% of total assets), and 6.5% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 71
Relative position
BE, all sectors
reference
Sector 71
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
93.5%
Return on assets
43.6%
Age of the figures
9 mo
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
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 30-04-2026, 92 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
92 d early
2024
66 d early
2023
69 d early
2022
41 d early
2021
61 d early
2020
57 d early
2019
38 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€993k▲ 75.3%
2024 · €566k
2018: €342k
2019: €379k
2020: €377k
2021: €447k
2022: €494k
2023: €557k
2024: €566k
2018 → 2025
Total assets
€1.06M▲ 77.1%
2024 · €600k
2018: €563k
2019: €594k
2020: €520k
2021: €547k
2022: €546k
2023: €593k
2024: €600k
2018 → 2025
Net result
€463k▲ 604%
2024 · €66k
2018: €57k
2019: €37k
2020: €56k
2021: €70k
2022: €103k
2023: €63k
2024: €66k
2018 → 2025
Working capital
€972k▲ 115%
2024 · €451k
2018: €240k
2019: €286k
2020: €292k
2021: €368k
2022: €416k
2023: €435k
2024: €451k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€447k-€494k▲ 10.5%€557k▲ 12.8%€566k▲ 1.6%€993k▲ 75.3%
Operating result€98k-€104k▲ 5.3%€60k▼ 42.0%€73k▲ 21.2%€-20k
Net result€70k-€103k▲ 47.5%€63k▼ 38.7%€66k▲ 3.9%€463k▲ 604%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €20k after €73k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.06M
Fixed assets
€23k▼ 80.3%
Current assets
€1.04M▲ 115%
Equity and liabilities €1.06M
Equity
€993k▲ 75.3%
Debt
€69k▲ 106%
The debt ratio rises from 5.6% to 6.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€-9k▼
2024 · €84k
Cash flow
€474k▲
2024 · €77k
Solvency
93.5%▼
2024 · 94.4%
Current ratio
15.46▲
2024 · 15.18
Quick ratio
15.46▲
2024 · 15.18
Debt / equity
0.07▲
2024 · 0.06
ROE
46.7%▲
2024 · 11.6%
ROA
43.6%▲
2024 · 11.0%
Interest coverage
-0.10▼
2024 · 17.11
Debt
€69k▲
2024 · €33k
Debt ≤ 1 year
€67k▲
2024 · €32k
Income taxes
€217k▲
2024 · €32k
Staff costs
€21k▲
2024 · €12k
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€600k€1.06M▲
Fixed assets21/28€116k€23k▼
Tangible fixed assets22/27€34k€23k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€30k€20k▼
Other tangible fixed assets26€1k€595▼
Financial fixed assets28€83k€0▼
Current assets29/58€483k€1.04M▲
Amounts receivable after more than one year29€100k€65k▼
Other amounts receivable291€100k€65k▼
Amounts receivable within one year40/41€4k€206k▲
Other amounts receivable41€4k€206k▲
Current investments50/53€331k€357k▲
Cash at bank and in hand54/58€48k€408k▲
Deferred charges and accrued income490/1€133€2k▲
Equity and liabilities
Total equity and liabilities10/49€600k€1.06M▲
Equity10/15€566k€993k▲
Contributions10/11€19k€19k=
Reserves13€546k€973k▲
Distributable reserves133€546k€973k▲
Profit (loss) carried forward14€1k€1k▲
Amounts payable17/49€33k€69k▲
Amounts payable within one year42/48€32k€67k▲
Trade debts44€3k€4k▲
Suppliers440/4€3k€4k▲
Taxes, remuneration and social security45€19k€63k▲
Taxes450/3€17k€60k▲
Remuneration and social security454/9€2k€3k▲
Other amounts payable47/48€10k€0▼
Accrued charges and deferred income492/3€2k€2k▲
Income statement
Code20242025
Non-recurring operating income76A€0-
Remuneration, social security and pensions62€12k€21k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€11k▼
Other operating charges640/8€498€400▼
Gross operating margin9900€96k€12k▼
Operating profit (loss)9901€73k€-20k▼
Financial income75/76B€30k€796k▲
Recurring financial income75€30k€796k▲
Financial charges65/66B€5k€96k▲
Recurring financial charges65€5k€96k▲
Profit (loss) for the period before taxes9903€98k€680k▲
Income taxes67/77€32k€217k▲
Profit (loss) for the period9904€66k€463k▲
Profit (loss) for the period to be appropriated9905€66k€463k▲
Appropriation of the result
Profit (loss) to be appropriated9906€67k€465k▲
Profit (loss) brought forward from the previous period14P€1k€1k▲
Transfer from equity791/2€57k€37k▼
Transfer to equity691/2€66k€463k▲
To other reserves6921€66k€463k▲
Profit to be distributed694/7€57k€37k▼
Return on contributions (dividend)694€57k€37k▼
Social balance
Average headcount (FTE)90870.00.6▲
The notes to these accounts (11 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
27-08
State Gazette act
General meeting · Capital increase
Capital · Corporate purpose
30-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €463k ▲604%
Net result €463k, the highest in the series.
26-05
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
23-05
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Equity above €500kEq €557k ▲12.8%
6 profitable years in a row build equity to €557k.
20-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Liquidity doublescurrent ratio 9.69
Current ratio from 4.82 to 9.69; short-term debt falls from €96k to €48k.
31-05
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
04-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
23-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Weakest financial yearnet €37k ▼35.5%
Net result drops to €37k, the lowest in the series; recovery starts the following year.
28-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
29-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Leuven · 1 establishment unit since 2002
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.
Oud-Heverleestraat 933001 LeuvenGround area
878 m²
Building footprint
154 m²
Volume, LiDAR
980 m³
Parcel 24432H0037/00K015, Flanders · tallest building 12.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Oud-Heverleestraat 93, 3001 Leuven
since 20022.101.770.066
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24432H0037/00K015 | Flanders | 878 m² | 1 · 154 m² | 12.9 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.
Structure & network
Ownership & control
1 partyCRESCENDOBE 0476.615.735
controls
Where this company holds controlthis company sits on their board1
2 locations
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Of 11,554 companies in sector 71121 we hold annual accounts for 6,563. 3,444 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-01-2002
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
71121Engineering and related technical consultancy, excluding land surveyors
74203
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.