ACTIF-SYSTEME
ActiveThe computed 12-month bankruptcy probability of ACTIF-SYSTEME is 1.5% (moderate). The 2025 annual accounts show equity of €249k and a net result of €-45k. Equity is growing by ~5.2% per year across the filed fiscal years. Its solvency ranks better than 86% of 1190 sector peers (fiscal year 2025). The company has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-100
Solvency100=
Growth42▼-17
Stability100
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity ample (current ratio 3.69 against 3.52 in 2024), and 21.4% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 81
Relative position
BE, all sectors
reference
Sector 81
higher
← fewer bankruptcies
more bankruptcies →
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 01-09-2026, 32 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
32 d late
2024
40 d late
2023
8 d early
2022
59 d late
2021
26 d late
2020
388 d late
2019
68 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€222k▲ 11.3%
2021 · €199k
2018: €254k
2019: €240k
2020: €219k
2021: €199k
2018 → 2022
EBIT margin
2.6%▲ 9.3pp
2021 · -6.7%
2018: 2.6%
2019: -6.2%
2020: 10.1%
2021: -6.7%
2018 → 2022
Net result
€-45k
2024 · €79k
2018: €4k
2019: €-15k
2020: €18k
2021: €-14k
2022: €6k
2023: €30k
2024: €79k
2018 → 2025
Working capital
€182k▼ 20.6%
2024 · €229k
2018: €186k
2019: €175k
2020: €189k
2021: €178k
2022: €188k
2023: €155k
2024: €229k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€199k-€222k▲ 11.3%
Equity€180k-€185k▲ 3.1%€215k▲ 16.2%€294k▲ 36.5%€249k▼ 15.5%
Operating result€-13k-€6k€42k▲ 647%€110k▲ 159%€-43k
Net result€-14k-€6k€30k▲ 432%€79k▲ 162%€-45k
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 turns negative in 2025: a loss of €43k after €110k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €316k
Fixed assets
€67k▲ 2.8%
Current assets
€249k▼ 22.1%
Equity and liabilities €316k
Equity
€249k▼ 15.5%
Debt
€68k▼ 25.7%
The debt ratio falls from 23.6% to 21.4%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€-22k▼
2024 · €131k
Cash flow
€-25k▼
2024 · €100k
Solvency
78.6%▲
2024 · 76.4%
Current ratio
3.69▲
2024 · 3.52
Quick ratio
3.69▲
2024 · 3.52
Debt / equity
0.27▼
2024 · 0.31
ROE
-18.3%▼
2024 · 26.7%
ROA
-14.4%▼
2024 · 20.4%
Interest coverage
-17.75▼
2024 · 80.88
Debt
€68k▼
2024 · €91k
Debt ≤ 1 year
€68k▼
2024 · €91k
Income taxes
€2k▼
2024 · €29k
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€385k€316k▼
Fixed assets21/28€65k€67k▲
Tangible fixed assets22/27€65k€67k▲
Furniture and vehicles24€65k€67k▲
Financial fixed assets28€45€45=
Current assets29/58€320k€249k▼
Amounts receivable within one year40/41€71k€46k▼
Trade receivables40€38k€8k▼
Other amounts receivable41€33k€38k▲
Cash at bank and in hand54/58€249k€203k▼
Equity and liabilities
Total equity and liabilities10/49€385k€316k▼
Equity10/15€294k€249k▼
Contributions10/11€19k€19k=
Capital10€19k€19k=
Issued capital100€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Profit (loss) carried forward14€274k€228k▼
Amounts payable17/49€91k€68k▼
Amounts payable within one year42/48€91k€68k▼
Current portion of amounts payable after more than one year42€30k€20k▼
Trade debts44€7k€11k▲
Suppliers440/4€7k€11k▲
Taxes, remuneration and social security45€29k€33k▲
Taxes450/3€29k€33k▲
Other amounts payable47/48€25k€3k▼
Income statement
Code20242025
Goods, raw materials, services and sundry goods60/61€150k€45k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€20k▼
Other operating charges640/8€4k€22▼
Gross operating margin9900€135k€-22k▼
Operating profit (loss)9901€110k€-43k▼
Financial income75/76B€218€947▲
Recurring financial income75€218€947▲
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Non-recurring financial charges66B-€123
Profit (loss) for the period before taxes9903€108k€-43k▼
Income taxes67/77€29k€2k▼
Profit (loss) for the period9904€79k€-45k▼
Profit (loss) for the period to be appropriated9905€79k€-45k▼
Appropriation of the result
Profit (loss) to be appropriated9906€274k€228k▼
Profit (loss) brought forward from the previous period14P€195k€274k▲
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
01-09
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 32 days late
2025
31-12
Financial
Weakest financial yearnet €-45k ▼158%
Net result drops to €-45k, the lowest in the series.
09-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 40 days late
2024
31-12
Financial
Highest result since 2018net €79k ▲162%
Operating result €110k, net result €79k, both a record.
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €200kEq €215k ▲16.2%
2 profitable years in a row build equity to €215k.
28-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 59 days late
2022
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
23-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 388 days late
2020
31-12
Financial
Back to profitnet €18k
Net result €18k after one loss-making year.
07-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 68 days late
2019
23-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 23 days late
2018
13-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 13 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 days late
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, Brussel · 1 establishment unit 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.
Vilvoordsesteenweg 801120 BrusselGround area
3.7 ha
Building footprint
2.1 ha
Volume, LiDAR
226,738 m³
Parcel 21819B0217/00H003, Brussels · tallest building 13.5 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Vilvoordsesteenweg 80, 1120 Brussel
since 20092.176.856.479
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21819B0217/00H003 | Brussels | 3.7 ha | 1 · 2.1 ha | 13.4 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.
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PRACTIC CONSTRUCT
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FLOOR CONSTRUCT
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Of 6,947 companies in sector 81220 we hold annual accounts for 2,383. 1,704 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-03-2009
Fiscal year end31-12
Activities, NACEBEL
81220Other building cleaning and industrial cleaning
81230Other cleaning activities
Sources
Crossroads Bank for EnterprisesNational Bank · 17 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.