2 B FINANCE
Active2 B FINANCE has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €574k and a net result of €199k. Equity is growing by ~22.1% per year across the filed fiscal years. Its solvency ranks better than 47% of 31191 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
100
/ 100
Excellent▲ +7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+34
Solvency96▼-4
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €55k at 30 days acceptable
Liquidity ample (current ratio 2.32 against 2.84 in 2024), and 47.8% 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 70
Relative position
BE, all sectors
reference
Sector 70
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
52.2%
Return on assets
18%
Age of the figures
8 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 · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-08-2026, 9 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
9 d late
2024
22 d late
2023
27 d late
2022
34 d early
2021
34 d early
2020
10 d early
2019
17 d late
← 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
07-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€574k▲ 8.0%
2024 · €532k
2019: €195k
2020: €231k
2021: €303k
2022: €308k
2023: €516k
2024: €532k
2019 → 2025
Total assets
€1.10M▲ 52.4%
2024 · €722k
2019: €211k
2020: €239k
2021: €317k
2022: €322k
2023: €708k
2024: €722k
2019 → 2025
Net result
€199k▲ 181%
2024 · €71k
2019: €80k
2020: €87k
2021: €71k
2022: €51k
2023: €287k
2024: €71k
2019 → 2025
Working capital
€266k▲ 5.3%
2024 · €253k
2019: €-6k
2020: €31k
2021: €98k
2022: €103k
2023: €234k
2024: €253k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€303k-€308k▲ 1.8%€516k▲ 67.5%€532k▲ 3.0%€574k▲ 8.0%
Operating result€11k-€9k▼ 23.3%€185k▲ 2,014%€100k▼ 46.1%€201k▲ 101%
Net result€71k-€51k▼ 28.9%€287k▲ 468%€71k▼ 75.4%€199k▲ 181%
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 101% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.10M
Fixed assets
€632k▲ 90.7%
Current assets
€468k▲ 19.9%
Equity and liabilities €1.10M
Equity
€574k▲ 8.0%
Debt
€526k▲ 176%
The debt ratio rises from 26.4% to 47.8%: debt grows faster than equity.
Key figures and ratios
EBITDA
€228k▲
2024 · €120k
Cash flow
€226k▲
2024 · €91k
Solvency
52.2%▼
2024 · 73.6%
Current ratio
2.32▼
2024 · 2.84
Quick ratio
2.32▼
2024 · 2.84
Debt / equity
0.92▲
2024 · 0.36
ROE
34.6%▲
2024 · 13.3%
ROA
18.0%▲
2024 · 9.8%
Interest coverage
19.08▼
2024 · 32.69
Debt
€526k▲
2024 · €190k
Debt ≤ 1 year
€202k▲
2024 · €138k
Debt > 1 year
€324k▲
2024 · €53k
Income taxes
€64k▲
2024 · €28k
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
Total assets20/58€722k€1.10M▲
Fixed assets21/28€332k€632k▲
Tangible fixed assets22/27€83k€383k▲
Financial fixed assets28€249k€249k=
Current assets29/58€391k€468k▲
Amounts receivable within one year40/41€228k€253k▲
Investments50/53€110k€96k▼
Cash & bank54/58€52k€115k▲
Total equity & liabilities10/49€722k€1.10M▲
Equity10/15€532k€574k▲
Contributions / capital10/11€6k€6k=
Reserves13€521k€568k▲
Accumulated profits (losses)14€5k€47▼
Amounts payable17/49€190k€526k▲
Amounts payable after one year17€53k€324k▲
Amounts payable within one year42/48€138k€202k▲
Trade debts payable within one year44€45k€11k▼
Income statement
Code20242025
Gross operating margin9900€123k€271k▲
Operating result9901€100k€201k▲
Financial income75€3k€74k▲
Financial charges65€4k€12k▲
Result before taxes9903€99k€263k▲
Income taxes67/77€28k€64k▲
Net result for the period9904€71k€199k▲
Result to be appropriated9905€71k€199k▲
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
09-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 9 days late
2025
22-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 22 days late
2024
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
31-12
Financial
Highest result since 2019net €287k ▲468%
Net result €287k, the highest in the series.
31-12
Financial
Equity above €500kEq €516k ▲67.5%
5 profitable years in a row build equity to €516k.
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €51k ▼28.9%
Net result drops to €51k, the lowest in the series; recovery starts the following year.
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
21-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity times 8current ratio 4.88
Current ratio from 0.62 to 4.88; short-term debt falls from €16k to €8k.
31-12
Financial
Equity above €200kEq €231k ▲18.5%
2 profitable years in a row build equity to €231k.
17-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 17 days late
2019
22-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
17-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 17 days late
2017
25-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
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Of 82,136 companies in sector 70200 we hold annual accounts for 52,099. 33,339 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-09-2012
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 14-08-2026. Scores and ratios are computed by Checked and are not a credit decision.