ANNAMUS
ActiveANNAMUS has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €1.08M and a net result of €92k. Equity is growing by ~4.5% per year across the filed fiscal years. Its solvency ranks better than 61% of 37975 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
86
/ 100
Excellent▲ +3 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability43▼-7
Solvency100▲+1
Growth52=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €95k at 30 days acceptable
Liquidity ample (current ratio 3.56 against 2.8 in 2023), and 31.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers 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 · 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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
68.1%
Return on assets
5.8%
Age of the figures
20 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 16-07-2025, 15 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
15 d early
2023
34 d early
2022
34 d early
2021
32 d early
2020
10 d early
2019
92 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€1.08M▲ 9.3%
2023 · €986k
2018: €810k
2019: €869k
2020: €974k
2021: €1.02M
2022: €1.15M
2023: €986k
2018 → 2024
Total assets
€1.58M▲ 1.2%
2023 · €1.57M
2018: €1.55M
2019: €1.61M
2020: €1.84M
2021: €1.84M
2022: €1.83M
2023: €1.57M
2018 → 2024
Net result
€92k▼ 5.9%
2023 · €98k
2018: €148k
2019: €59k
2020: €106k
2021: €45k
2022: €134k
2023: €98k
2018 → 2024
Working capital
€290k▲ 22.1%
2023 · €237k
2018: €-38k
2019: €-12k
2020: €97k
2021: €100k
2022: €184k
2023: €237k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€974k-€1.02M▲ 4.6%€1.15M▲ 13.1%€986k▼ 14.4%€1.08M▲ 9.3%
Operating result€170k-€100k▼ 41.3%€204k▲ 104%€147k▼ 28.2%€138k▼ 6.0%
Net result€106k-€45k▼ 57.0%€134k▲ 195%€98k▼ 26.8%€92k▼ 5.9%
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 has fallen two years in a row; 2024 is 6% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.58M
Fixed assets
€1.18M▼ 1.3%
Current assets
€403k▲ 9.1%
Equity and liabilities €1.58M
Equity
€1.08M▲ 9.3%
Debt
€506k▼ 12.6%
The debt ratio falls from 37.0% to 31.9%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€186k▲
2023 · €179k
Cash flow
€141k▲
2023 · €131k
Solvency
68.1%▲
2023 · 63.0%
Current ratio
3.56▲
2023 · 2.80
Quick ratio
3.56▲
2023 · 2.80
Debt / equity
0.47▼
2023 · 0.59
ROE
8.6%▼
2023 · 10.0%
ROA
5.8%▼
2023 · 6.3%
Interest coverage
10.67▼
2023 · 11.00
Debt
€506k▼
2023 · €579k
Debt ≤ 1 year
€113k▼
2023 · €132k
Debt > 1 year
€384k▼
2023 · €437k
Income taxes
€38k▼
2023 · €40k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€1.57M€1.58M▲
Fixed assets21/28€1.20M€1.18M▼
Tangible fixed assets22/27€1.20M€1.18M▼
Land and buildings22€1.18M€1.14M▼
Furniture and vehicles24€4k€2k▼
Other tangible fixed assets26€9k€36k▲
Current assets29/58€369k€403k▲
Amounts receivable after more than one year29€230k€230k=
Other amounts receivable291€230k€230k=
Amounts receivable within one year40/41€95k€164k▲
Other amounts receivable41€95k€164k▲
Current investments50/53€51€38▼
Cash at bank and in hand54/58€35k€3k▼
Deferred charges and accrued income490/1€9k€6k▼
Equity and liabilities
Total equity and liabilities10/49€1.57M€1.58M▲
Equity10/15€986k€1.08M▲
Contributions10/11€19k€19k=
Reserves13€968k€1.06M▲
Tax-exempt reserves132€11k€11k=
Distributable reserves133€957k€1.05M▲
Amounts payable17/49€579k€506k▼
Amounts payable after more than one year17€437k€384k▼
Financial debts170/4€437k€384k▼
Amounts payable within one year42/48€132k€113k▼
Current portion of amounts payable after more than one year42€75k€80k▲
Financial debts43€21k€21k=
Other loans439€21k€21k=
Trade debts44€687-
Suppliers440/4€687-
Taxes, remuneration and social security45€34k€12k▼
Taxes450/3€34k€12k▼
Other amounts payable47/48€990€1k▲
Accrued charges and deferred income492/3€10k€9k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€32k€48k▲
Other operating charges640/8€18k€13k▼
Gross operating margin9900€197k€199k▲
Operating profit (loss)9901€147k€138k▼
Financial income75/76B€7k€10k▲
Recurring financial income75€7k€10k▲
Financial charges65/66B€16k€17k▲
Recurring financial charges65€16k€17k▲
Profit (loss) for the period before taxes9903€138k€131k▼
Income taxes67/77€40k€38k▼
Profit (loss) for the period9904€98k€92k▼
Profit (loss) for the period to be appropriated9905€98k€92k▼
Appropriation of the result
Profit (loss) to be appropriated9906€98k€92k▼
Transfer to equity691/2€97k€92k▼
To other reserves6921€97k€92k▼
Profit to be distributed694/7€850€900▲
Return on contributions (dividend)694€850€900▲
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
2025
16-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €1MEq €1.08M ▲9.3%
7 profitable years in a row build equity to €1.08M.
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €45k ▼57%
Net result drops to €45k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €1MEq €1.02M ▲4.6%
4 profitable years in a row build equity to €1.02M.
21-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 92 days late
2019
25-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
05-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 66 days late
2017
13-11
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 105 days late
2016
31-10
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 92 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
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Directors · office · real estate
Directors
1 director, last change in 2023
KERKSTOEL Rik
CurrentDirector · since 01-12-2023
01-12-2023
Resigned as Director
01-12-2023
Appointed as Director
Not every act has been read: a resignation may be missing here
3 of this company's 3 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Hasselt · 1 establishment unit since 2002
Ground area
1,089 m²
Building footprint
233 m²
Volume, LiDAR
1,122 m³
Parcel 71324E0709/00B003, Flanders · tallest building 6.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Henegauwlaan 6, 3500 Hasselt
since 20022.115.636.613
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71324E0709/00B003 | Flanders | 1,088 m² | 1 · 233 m² | 6.9 m · 1 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 82,169 companies in sector 70200 we hold annual accounts for 52,388. 26,935 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-11-2002
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
74141
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 10-09-2026. Scores and ratios are computed by Checked and are not a credit decision.