4U BUSINESS
ActiveSummary
4U BUSINESS has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €890k and a net result of €68k. Equity is growing by ~26.2% per year across the filed fiscal years. Its solvency ranks better than 57% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
73
/ 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
Profitability75▼-10
Solvency88▼-5
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €60k at 30 days acceptable
Liquidity tight (current ratio 1.05 against 1.34 in 2024; short-term debt: 31.3% and cash: 5.2% of total assets), and 36.8% 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 · 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
63.2%
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
neutral · Filed after the deadline
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 11-02-2026, 11 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
11 d late
2024
2 d early
2023
23 d late
2022
3 d late
2021
4 d late
2020
9 d late
2019
on the day
← before the deadline
after the deadline →
Checked, nothing found (2)
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 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€890k▲ 6.8%
2024 · €834k
2019: €260k
2020: €305k
2021: €413k
2022: €523k
2023: €669k
2024: €834k
2019 → 2025
Total assets
€1.41M▲ 14.5%
2024 · €1.23M
2019: €861k
2020: €869k
2021: €1,000k
2022: €1.01M
2023: €1.12M
2024: €1.23M
2019 → 2025
Net result
€68k▼ 58.6%
2024 · €165k
2019: €13k
2020: €45k
2021: €107k
2022: €110k
2023: €146k
2024: €165k
2019 → 2025
Working capital
€22k▼ 78.7%
2024 · €102k
2019: €-167k
2020: €-121k
2021: €10k
2022: €100k
2023: €250k
2024: €102k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€413k-€523k▲ 26.6%€669k▲ 28.0%€834k▲ 24.6%€890k▲ 6.8%
Operating result€144k-€161k▲ 12.0%€209k▲ 29.9%€203k▼ 3.0%€130k▼ 35.7%
Net result€107k-€110k▲ 2.4%€146k▲ 33.0%€165k▲ 12.7%€68k▼ 58.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 36% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.41M
Fixed assets
€946k ▲ 14.2%
Current assets
€463k ▲ 15.2%
Equity and liabilities €1.41M
Equity
€890k ▲ 6.8%
Debt
€519k ▲ 30.9%
Debt's share of the balance-sheet total rises from 32.2% to 36.8%. Equity and debt are higher.
Key figures and ratios
EBITDA
€183k▼
2024 · €244k
Cash flow
€121k▼
2024 · €206k
Current ratio
1.05▼
2024 · 1.34
Debt to equity
0.58▲
2024 · 0.48
ROE
7.7%▼
2024 · 19.8%
ROA
4.8%▼
2024 · 13.4%
Interest coverage
7.41▼
2024 · 53.40
Debt ≤ 1 year
€441k▲
2024 · €300k
Debt > 1 year
€77k▼
2024 · €95k
Income taxes
€60k▲
2024 · €51k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.23M€1.41M▲
Fixed assets21/28€829k€946k▲
Tangible fixed assets22/27€829k€946k▲
Land and buildings22€766k€736k▼
Furniture and vehicles24€4k€2k▼
Other tangible fixed assets26€59k€208k▲
Current assets29/58€402k€463k▲
Amounts receivable within one year40/41€142k€117k▼
Trade receivables40€135k€64k▼
Other amounts receivable41€7k€53k▲
Current investments50/53€242k€270k▲
Cash at bank and in hand54/58€15k€73k▲
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€1.23M€1.41M▲
Equity10/15€834k€890k▲
Contributions10/11€109k€109k=
Reserves13€668k€725k▲
Distributable reserves133€668k€725k▲
Profit (loss) carried forward14€57k€57k=
Amounts payable17/49€397k€519k▲
Amounts payable after more than one year17€95k€77k▼
Financial debts170/4€95k€77k▼
Amounts payable within one year42/48€300k€441k▲
Current portion of amounts payable after more than one year42€36k€19k▼
Trade debts44€8k€13k▲
Suppliers440/4€8k€13k▲
Taxes, remuneration and social security45€35k€40k▲
Taxes450/3€35k€40k▲
Other amounts payable47/48€221k€369k▲
Accrued charges and deferred income492/3€1k€1k▲
Income statement
Code20242025
Non-recurring operating income76A-€6k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€41k€53k▲
Other operating charges640/8€8k€7k▼
Gross operating margin9900€251k€189k▼
Operating profit (loss)9901€203k€130k▼
Financial income75/76B€18k€23k▲
Recurring financial income75€18k€23k▲
Financial charges65/66B€5k€25k▲
Recurring financial charges65€5k€25k▲
Profit (loss) for the period before taxes9903€216k€128k▼
Income taxes67/77€51k€60k▲
Profit (loss) for the period9904€165k€68k▼
Profit (loss) for the period to be appropriated9905€165k€68k▼
Appropriation of the result
Profit (loss) to be appropriated9906€222k€125k▼
Profit (loss) brought forward from the previous period14P€57k€57k=
Transfer from equity791/2-€12k
Transfer to equity691/2€165k€68k▼
To other reserves6921€165k€68k▼
Profit to be distributed694/7-€12k
Return on contributions (dividend)694-€12k
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
11-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 11 days late
2025
29-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Highest result since 2019net €165k ▲12.7%
Net result €165k, the highest in the series.
23-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 23 days late
2023
03-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 3 days late
2022
30-06
Financial
Equity above €500kEq €523k ▲26.6%
4 profitable years in a row build equity to €523k.
04-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 4 days late
2021
09-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 9 days late
2020
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
07-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 7 days late
2018
06-02
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 6 days late
2017
03-02
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 3 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Etterbeek · 2 establishment units since 2009
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.
Sint-Pieterssteenweg 3871040 EtterbeekGround area
2,526 m²
Building footprint
426 m²
Volume, LiDAR
2,533 m³
2 parcels, Brussels, Wallonia · tallest building 16.3 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
4U BUSINESS
since 20092.182.987.077
4U GARDEN
since 20162.257.571.961
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25003F0229/00E000 | Wallonia | 2,239 m² | 1 · 150 m² | 7.5 m · 2 fl. |
| 21362B0225/00L004 | Brussels | 287 m² | 1 · 276 m² | 16.3 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
8755006C0M99GDT51K39
Similar companies · same sector, comparable size
Hoeveservice Groep
BE 0505.881.922
Beerse · Eq €889,968
KEMPEN BEHEER
BE 0453.325.045
Antwerpen · Eq €889,908
CG CONSULT
BE 0861.632.786
Bièvre · Eq €889,882
DL2 INVEST
BE 0543.656.492
Wanze · Eq €890,212
MEDOFI
BE 0550.410.563
Watermaal-Bosvoorde · Eq €889,688
Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 29,118 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-08-2009
Fiscal year end30-06
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.