B-Flows
ActiveB-Flows has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €54k and a net result of €14k. Equity is growing by ~34.9% per year across the filed fiscal years. Its solvency ranks better than 25% of 31487 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency29▲+14
Growth78=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity short (current ratio 0.91 against 0.7 in 2024), and 77.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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 2025Solvency, return and age of the figures
Solvency
22.3%
Return on assets
5.8%
Age of the figures
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 25% of 31487 sector peers (2025).
NBB · sector comparisonPosition among 31487 sector peers
Solvency
better than 25%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-03-2026, 127 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
127 d early
2024
27 d early
2023
34 d early
2022
32 d early
2021
17 d early
2020
4 d early
2019
35 d early
← 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€54k▲ 34.9%
2024 · €40k
2019: €3k
2020: €14k
2021: €17k
2022: €18k
2023: €30k
2024: €40k
2019 → 2025
Total assets
€241k▲ 1.1%
2024 · €239k
2019: €53k
2020: €135k
2021: €174k
2022: €220k
2023: €226k
2024: €239k
2019 → 2025
Net result
€14k▼ 32.0%
2024 · €21k
2019: €-3k
2020: €-1k
2021: €2k
2022: €2k
2023: €12k
2024: €21k
2019 → 2025
Working capital
€-3k▲ 71.8%
2024 · €-12k
2019: €-1k
2020: €6k
2021: €-7k
2022: €5k
2023: €5k
2024: €-12k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€17k-€18k▲ 11.8%€30k▲ 64.8%€40k▲ 31.2%€54k▲ 34.9%
Operating result€6k-€9k▲ 54.9%€23k▲ 147%€34k▲ 50.5%€27k▼ 20.0%
Net result€2k-€2k▼ 5.9%€12k▲ 514%€21k▲ 71.3%€14k▼ 32.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 20% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €241k
Fixed assets
€206k▼ 1.9%
Current assets
€35k▲ 22.4%
Equity and liabilities €241k
Equity
€54k▲ 34.9%
Debt
€187k▼ 5.7%
The debt ratio falls from 83.3% to 77.7%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€42k▲
2024 · €42k
Cash flow
€29k▲
2024 · €28k
Solvency
22.3%▲
2024 · 16.7%
Current ratio
0.91▲
2024 · 0.70
Quick ratio
0.91▲
2024 · 0.70
Debt / equity
3.48▼
2024 · 4.97
ROE
25.9%▼
2024 · 51.3%
ROA
5.8%▼
2024 · 8.6%
Interest coverage
5.75▼
2024 · 6.44
Debt
€187k▼
2024 · €199k
Debt ≤ 1 year
€39k▼
2024 · €41k
Debt > 1 year
€149k▼
2024 · €158k
Income taxes
€6k▼
2024 · €7k
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€239k€241k▲
Fixed assets21/28€210k€206k▼
Tangible fixed assets22/27€210k€206k▼
Land and buildings22€185k€185k▼
Plant, machinery and equipment23€4k€3k▼
Furniture and vehicles24€20k€18k▼
Financial fixed assets28€250€250=
Current assets29/58€29k€35k▲
Amounts receivable within one year40/41€18k€10k▼
Trade receivables40€18k€10k▼
Cash at bank and in hand54/58€4k€20k▲
Deferred charges and accrued income490/1€7k€5k▼
Equity and liabilities
Total equity and liabilities10/49€239k€241k▲
Equity10/15€40k€54k▲
Contributions10/11€19k€19k=
Reserves13€21k€35k▲
Distributable reserves133€21k€35k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€199k€187k▼
Amounts payable after more than one year17€158k€149k▼
Financial debts170/4€158k€149k▼
Amounts payable within one year42/48€41k€39k▼
Current portion of amounts payable after more than one year42€9k€9k▲
Trade debts44€10k€5k▼
Suppliers440/4€10k€5k▼
Taxes, remuneration and social security45€5k€12k▲
Taxes450/3€5k€11k▲
Remuneration and social security454/9-€200
Other amounts payable47/48€18k€13k▼
Income statement
Code20242025
Non-recurring operating income76A-€1k
Remuneration, social security and pensions62€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€15k▲
Other operating charges640/8€985€948▼
Non-recurring operating charges66A€710€0▼
Gross operating margin9900€44k€43k▼
Operating profit (loss)9901€34k€27k▼
Financial income75/76B-€10
Recurring financial income75-€10
Financial charges65/66B€7k€7k▲
Recurring financial charges65€7k€7k▲
Profit (loss) for the period before taxes9903€28k€20k▼
Income taxes67/77€7k€6k▼
Profit (loss) for the period9904€21k€14k▼
Profit (loss) for the period to be appropriated9905€21k€14k▼
Appropriation of the result
Profit (loss) to be appropriated9906€21k€14k▼
Profit (loss) brought forward from the previous period14P€0-
Transfer from equity791/2€11k€0▼
Transfer to equity691/2€21k€14k▼
To other reserves6921€21k€14k▼
Profit to be distributed694/7€11k€0▼
Return on contributions (dividend)694€11k€0▼
The notes to these accounts (11 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
26-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
04-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2019net €21k ▲71.3%
Operating result €34k, net result €21k, both a record.
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
14-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €2k
Net result €2k after 2 loss-making years.
27-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
26-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
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.
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Directors · office · real estate
Directors
no sitting director, last change in 2023
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
17-04-2023
Resigned 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, Beveren-Kruibeke-Zwijndrecht · 1 establishment unit since 2018
Ground area
669 m²
Building footprint
166 m²
Volume, LiDAR
736 m³
Parcel 46028C1475/00G000, Flanders · tallest building 9.7 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
B-Flows
since 20182.281.781.577
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46028C1475/00G000 | Flanders | 668 m² | 1 · 166 m² | 9.7 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 82,201 companies in sector 70200 we hold annual accounts for 52,400. 38,346 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-11-2018
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.