4 A +
Active4 A + has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €5.91M and a net result of €329k. Equity is growing by ~7% per year across the filed fiscal years. Its solvency ranks better than 89% of 7921 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
86
/ 100
Excellent▼ -8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability28▼-14
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500k at 30 days acceptable
Liquidity ample (current ratio 4.98 against 2.23 in 2024), and 13.2% 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
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
86.8%
Return on assets
4.8%
Age of the figures
15 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 02-02-2026, 2 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
2 d late
2024
on the day
2023
1 d early
2022
on the day
2021
on the day
2020
2 d early
2019
2 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close15-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€5.91M▲ 5.9%
2024 · €5.58M
2019: €3.86M
2020: €4.12M
2021: €4.72M
2022: €4.88M
2023: €5.11M
2024: €5.58M
2019 → 2025
Total assets
€6.81M▼ 11.1%
2024 · €7.66M
2019: €5.90M
2020: €6.37M
2021: €6.80M
2022: €6.24M
2023: €7.31M
2024: €7.66M
2019 → 2025
Net result
€329k▼ 29.4%
2024 · €466k
2019: €315k
2020: €255k
2021: €607k
2022: €152k
2023: €238k
2024: €466k
2019 → 2025
Working capital
€2.13M▲ 11.4%
2024 · €1.92M
2019: €1.82M
2020: €1.08M
2021: €1.32M
2022: €1.29M
2023: €1.46M
2024: €1.92M
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€4.72M-€4.88M▲ 3.2%€5.11M▲ 4.9%€5.58M▲ 9.1%€5.91M▲ 5.9%
Operating result€280k-€222k▼ 20.5%€309k▲ 39.1%€663k▲ 115%€482k▼ 27.3%
Net result€607k-€152k▼ 74.9%€238k▲ 56.2%€466k▲ 96.0%€329k▼ 29.4%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 27% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €6.81M
Fixed assets
€4.14M▼ 1.2%
Current assets
€2.67M▼ 23.1%
Equity and liabilities €6.81M
Equity
€5.91M▲ 5.9%
Provisions
€0▼ 100%
Debt
€900k▼ 53.2%
The debt ratio falls from 25.1% to 13.2%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€533k▼
2024 · €714k
Cash flow
€380k▼
2024 · €516k
Solvency
86.8%▲
2024 · 72.8%
Current ratio
4.98▲
2024 · 2.23
Quick ratio
4.51▲
2024 · 2.07
Debt / equity
0.15▼
2024 · 0.35
ROE
5.6%▼
2024 · 8.4%
ROA
4.8%▼
2024 · 6.1%
Interest coverage
26.16▲
2024 · 24.05
Debt
€900k▼
2024 · €1.93M
Debt ≤ 1 year
€536k▼
2024 · €1.56M
Debt > 1 year
€328k▼
2024 · €364k
Income taxes
€137k▼
2024 · €202k
Staff costs
€214k▼
2024 · €238k
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€7.66M€6.81M▼
Fixed assets21/28€4.19M€4.14M▼
Tangible fixed assets22/27€627k€576k▼
Land and buildings22€627k€576k▼
Furniture and vehicles24€0€0=
Financial fixed assets28€3.56M€3.56M=
Current assets29/58€3.47M€2.67M▼
Stocks and contracts in progress3€255k€255k=
Stocks30/36€255k€255k=
Amounts receivable within one year40/41€3.18M€2.40M▼
Trade receivables40€408k€342k▼
Other amounts receivable41€2.77M€2.06M▼
Cash at bank and in hand54/58€25k€11k▼
Deferred charges and accrued income490/1€8k€5k▼
Equity and liabilities
Total equity and liabilities10/49€7.66M€6.81M▼
Equity10/15€5.58M€5.91M▲
Contributions10/11€2.96M€2.96M=
Reserves13€1.13M€1.46M▲
Non-distributable reserves130/1€95k€95k=
Reserves not available under the articles1311€95k€95k=
Tax-exempt reserves132€362k€480k▲
Distributable reserves133€671k€882k▲
Profit (loss) carried forward14€1.49M€1.49M=
Provisions and deferred taxes16€156k-
Provisions for liabilities and charges160/5€156k-
Pensions and similar obligations160€156k-
Amounts payable17/49€1.93M€900k▼
Amounts payable after more than one year17€364k€328k▼
Financial debts170/4€340k€300k▼
Other amounts payable178/9€24k€28k▲
Amounts payable within one year42/48€1.56M€536k▼
Current portion of amounts payable after more than one year42€41k€40k▼
Financial debts43€12k€14k▲
Credit institutions430/8€12k€14k▲
Trade debts44€60k€36k▼
Suppliers440/4€60k€36k▼
Taxes, remuneration and social security45€151k€112k▼
Taxes450/3€77k€77k▼
Remuneration and social security454/9€74k€35k▼
Other amounts payable47/48€1.29M€334k▼
Accrued charges and deferred income492/3€6k€36k▲
Income statement
Code20242025
Non-recurring operating income76A€914-
Remuneration, social security and pensions62€238k€214k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€50k€51k▲
Other operating charges640/8€23k€14k▼
Gross operating margin9900€975k€762k▼
Operating profit (loss)9901€663k€482k▼
Financial income75/76B€34k€4k▼
Recurring financial income75€3€4k▲
Non-recurring financial income76B€34k-
Financial charges65/66B€30k€20k▼
Recurring financial charges65€30k€20k▼
Profit (loss) for the period before taxes9903€667k€466k▼
Income taxes67/77€202k€137k▼
Profit (loss) for the period9904€466k€329k▼
Transfer to tax-exempt reserves689€118k€118k=
Profit (loss) for the period to be appropriated9905€348k€211k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1.83M€1.70M▼
Profit (loss) brought forward from the previous period14P€1.49M€1.49M=
Transfer to equity691/2€348k€211k▼
To other reserves6921€348k€211k▼
Social balance
Average headcount (FTE)90874.64.1▼
The notes to these accounts (8 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
02-02
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 2 days late
2025
30-06
Financial
Liquidity doublescurrent ratio 4.98
Current ratio from 2.23 to 4.98; short-term debt falls from €1.56M to €536k.
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-06
Financial
Equity above €5MEq €5.11M ▲4.9%
5 profitable years in a row build equity to €5.11M.
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Weakest financial yearnet €152k ▼74.9%
Net result drops to €152k, the lowest in the series; recovery starts the following year.
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Highest result since 2019net €607k ▲138%
Net result €607k, the highest in the series.
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
29-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
15-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
13-01
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
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, Anzegem · 1 establishment unit since 2006
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.
Waregemstraat 458570 AnzegemGround area
1,653 m²
Building footprint
138 m²
Volume, LiDAR
703 m³
Parcel 34038A0403/00D000, Flanders · tallest building 6.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Waregemstraat 45, 8570 Anzegem
since 20062.157.184.681
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34038A0403/00D000 | Flanders | 1,652 m² | 1 · 138 m² | 6.9 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.
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Of 6,127 companies in sector 46190 we hold annual accounts for 2,554. 363 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-10-2006
Fiscal year end30-06
Activities, NACEBEL
46190Agents in non-specialised wholesale trade
70200Business and other management consultancy
70220Business consulting
41001General construction of residential buildings
41003General construction of other non-residential buildings
43990Other specialised construction activities
43999Specialised construction activities
45211
45212
45213
45250
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
68110Buying and selling of own real estate
70120
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.