AERTERUS
ActiveAERTERUS is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €192k and a net result of €56k. Equity is growing by ~55.7% per year across the filed fiscal years. Its solvency ranks better than 18% of 7837 sector peers (fiscal year 2025). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 7837 sector peers (2025).
NBB · sector comparisonPosition among 7837 sector peers
Solvency
better than 18%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 28-02-2025 was due by 30-09-2025 and was filed on 18-09-2025, 12 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
12 d early
2024
4 d late
2023
2 d early
2022
1 d early
2021
2 d early
2020
on the day
2019
12 d early
← before the deadline
after the deadline →
Financials · fiscal year 2025, micro schema
Equity
€192k▲ 41.1%
2024 · €136k
2022: €53k
2023: €86k
2024: €136k
2022 → 2025
Net result
€56k▲ 11.8%
2024 · €50k
2022: €76k
2023: €33k
2024: €50k
2022 → 2025
Total assets
€1.49M▼ 1.7%
2024 · €1.52M
2022: €1.59M
2023: €1.55M
2024: €1.52M
2022 → 2025
Solvency
12.9%▲ 3.9pp
2024 · 9.0%
2022: 3.3%
2023: 5.6%
2024: 9.0%
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€53k-€86k▲ 61.9%€136k▲ 58.1%€192k▲ 41.1%
Operating result€103k-€58k▼ 43.6%€82k▲ 40.6%€91k▲ 10.8%
Net result€76k-€33k▼ 57.0%€50k▲ 52.0%€56k▲ 11.8%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 11% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.49M
Fixed assets
€1.22M▼ 6.5%
Current assets
€272k▲ 28.1%
Equity and liabilities €1.49M
Equity
€192k▲ 41.1%
Debt
€1.30M▼ 5.9%
The debt ratio falls from 91.0% to 87.1%: equity grows while debt is paid down.
Key figures and ratios
Solvency
12.9%▲
2024 · 9.0%
ROE
29.1%▼
2024 · 36.7%
ROA
3.7%▲
2024 · 3.3%
Debt
€1.30M▼
2024 · €1.38M
Debt ≤ 1 year
€182k▲
2024 · €162k
Debt > 1 year
€1.12M▼
2024 · €1.22M
Income taxes
€9k▲
2024 · €5k
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 assets
20/58€1.52M€1.49M▼
Fixed assets
21/28€1.30M€1.22M▼
Tangible fixed assets
22/27€1.30M€1.22M▼
Current assets
29/58€212k€272k▲
Amounts receivable within one year
40/41€31k€13k▼
Cash & bank
54/58€180k€258k▲
Total equity & liabilities
10/49€1.52M€1.49M▼
Equity
10/15€136k€192k▲
Contributions / capital
10/11€125k€125k=
Reserves
13€50k€106k▲
Accumulated profits (losses)
14€-39k€-39k=
Amounts payable
17/49€1.38M€1.30M▼
Amounts payable after one year
17€1.22M€1.12M▼
Amounts payable within one year
42/48€162k€182k▲
Trade debts payable within one year
44€12k€11k▼
Income statement
Code20242025
Gross operating margin
9900€180k€189k▲
Operating result
9901€82k€91k▲
Financial income
75€0€64▲
Financial charges
65€27k€26k▼
Result before taxes
9903€55k€65k▲
Income taxes
67/77€5k€9k▲
Net result for the period
9904€50k€56k▲
Result to be appropriated
9905€50k€56k▲
Timeline · acts, filings and financial milestones
2025
18-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
28-02
Financial
Equity above €150kEq €192k ▲41.1%
4 profitable years in a row build equity to €192k.
2024
04-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 4 days late
29-02
Financial
Equity above €100kEq €136k ▲58.1%
3 profitable years in a row build equity to €136k.
2023
28-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
28-02
Financial
Weakest financial yearnet €33k ▼57%
Net result drops to €33k, the lowest in the series; recovery starts the following year.
2022
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2021
28-09
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2020
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2019
18-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Comparable companies · same sector, comparable size
Similar companies · same sector, comparable size
WEMAX
BE 0643.994.876
Brecht · Eq €192k
JEMMINVEST
BE 0720.743.355
Antwerpen · Eq €192k
VANHAUWERE LUC
BE 0467.224.947
Izegem · Eq €192k
FRV CONSULT
BE 0775.317.634
Roeselare · Eq €192k
INTERIEUR
BE 0808.867.558
Dentergem · Eq €192k
Of 24,645 companies in sector 64210 we hold annual accounts for 19,462. 13,339 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-06-2017
Fiscal year end28-02
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 18-07-2026. Scores and ratios are computed by Checked and are not a credit decision.