Credit risk
Bankruptcy probability (12 mo)
Credit advice
verdict per amount and termTimeline
What happened to this company, by date
2025
29-08-2025 NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
21-12-2024 NBB filing Annual accounts filed
fiscal year 2023 · micro schema
2023
07-10-2023 NBB filing Annual accounts filed
fiscal year 2022 · micro schema
2022
31-08-2022 NBB filing Annual accounts filed
fiscal year 2021 · micro schema
2021
31-08-2021 NBB filing Annual accounts filed
fiscal year 2020 · micro schema
Financials
Equity€68k+92.3%
2023: €35k
Total assets€140k+67.4%
2023: €83k
Net result€33k+111.1%
2023: €15k
Working capital€42k+87.4%
2023: €22k
Turnover and EBIT margin not published: the micro schema does not require them.
Figures by fiscal year
fiscal year 2024 · micro schemaSector comparison
Fiscal year 2024 · NACE 95, Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 48.8% | 24.6% | |
| Net result | €33k | €5k | |
| Equity | €68k | €17k | |
| Gross operating margin | €152k | €27k | |
| Staff costs | €83k | €28k |
€66k
+90.2%
23-24
€51k
+101.7%
23-24
3
0.0%
23-24
€83k
+3.3%
23-24
€12k
+192.0%
23-24
€72k
+49.0%
23-24
€72k
+68.7%
23-24
€6k
-
23-24
1.58
+3.8%
23-24
1.26
-6.8%
23-24
48.8%
+14.9%
23-24
1.05
-22.5%
23-24
48.0%
+9.8%
23-24
23.4%
+26.1%
23-24
8.45
+145.0%
23-24
Figures by fiscal year and ratios
| Fiscal year | 2024 |
|---|---|
| Deposit | micro schema |
| Revenue | - |
| EBITDA | €66k |
| Net profit | €33k |
| Cash flow | €51k |
| Staff costs | €83k |
| Income taxes | €12k |
| Dividends | - |
| Total assets | €140k |
| Equity | €68k |
| Debt | €72k |
| of which ≤ 1y | €72k |
| of which > 1y | - |
| Working capital | €42k |
| Employees (FTE) | 2.9 |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | 1.58 |
| Quick ratio | 1.26 |
| Working capital ratio | 29.8% |
| Solvency | 48.8% |
| Debt / equity | 1.05 |
| Long-term debt ratio | - |
| Interest coverage | 8.45 |
| Gross margin | - |
| Net margin | - |
| ROA | 23.4% |
| ROE | 48.0% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
This table shows the latest fiscal year. 1 prior year, with figures and ratios, belongs to a paid plan.
See plans →
Balance-sheet composition 2024
Full annual accounts (22 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €140k |
| Fixed assets | 21/28 | €27k |
| Tangible fixed assets | 22/27 | €27k |
| Current assets | 29/58 | €113k |
| Stocks & contracts in progress | 3 | €23k |
| Amounts receivable within one year | 40/41 | €21k |
| Cash & bank | 54/58 | €68k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €140k |
| Equity | 10/15 | €68k |
| Contributions / capital | 10/11 | €5k |
| Accumulated profits (losses) | 14 | €63k |
| Amounts payable | 17/49 | €72k |
| Amounts payable within one year | 42/48 | €72k |
| Trade debts payable within one year | 44 | €24k |
| Income statement | ||
| Gross operating margin | 9900 | €152k |
| Operating result | 9901 | €48k |
| Financial income | 75 | €6 |
| Financial charges | 65 | €8k |
| Result before taxes | 9903 | €45k |
| Income taxes | 67/77 | €12k |
| Net result for the period | 9904 | €33k |
| Result to be appropriated | 9905 | €33k |
Signals
1 signal
Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 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.
No strikeouts found in the KBO publications · how complete this is
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Filing history by fiscal year and how the deadline is computed
Deadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 35 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.
Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 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.
How we compute the deadline
The year end is derived from 5 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | nothing on record | not confirmed | - |
| 31-12-2024 | 31-07-2025 | 29-08-2025 | 29 d late | 2025-00480020 |
| 31-12-2023 | 31-07-2024 | 21-12-2024 | 143 d late | 2024-00624481 |
| 31-12-2022 | 31-07-2023 | 07-10-2023 | 68 d late | 2023-00476621 |
| 31-12-2021 | 31-07-2022 | 31-08-2022 | 31 d late | 2022-20419903 |
| 31-12-2020 | 31-07-2021 | 31-08-2021 | 31 d late | 2021-66300278 |
Source: the National Bank's deposit records, as we have ingested them. NOTE: our copy has a gap across June to August 2026, missing roughly 220,000 deposits; for July we hold 15,605 of about 137,000 expected. A year whose deadline falls in that window shows as not confirmed, not as not filed. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Locations & real estate
Registered office
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.
Rue de la Bonnette(BIE) 96533 ThuinEstablishment units
1 locationAuto GP
since 20202.306.448.281
Parcels2
Ground area1,580 m²
Buildings2
Building footprint512 m²
Volume (LiDAR)5,177 m³
Tallest building16.0 m · ±4 fl.
Real-estate footprint
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56009A0190/00K000 | Wallonia | 935 m² | 1 · 175 m² | 7.0 m · 1 fl. |
| 52362A0710/00S000 | Wallonia | 645 m² | 1 · 337 m² | 16.0 m · 4 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.
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How this selection is made
We hold annual accounts for 811 of the 1,885 companies in this sector. 638 of them are within a factor 10 of this company's equity.
Company registry
Company registry (CBE)
Crossroads BankActivities
45204Bodywork repair (including spraying and painting)95314General maintenance and repair of cars and light vans (up to 3.5 tonnes)95311Repair and fitting of specific motor vehicle parts95313Wholesale of cars and light vans (up to 3.5 tonnes)46711Retail sale of cars and light vans (up to 3.5 tonnes)47811