BESB
ActiveBESB has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €221k and a net result of €55k. Equity is growing by ~22.1% per year across the filed fiscal years. Its solvency ranks better than 77% of 6794 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.1% (low).
Checked score
Score 2025
100
/ 100
Excellent▲ +7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+48
Solvency100=
Growth52=
Stability100
Bankruptcy probability, 12 months
1.1%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €22k at 30 days acceptable
Liquidity ample (current ratio 5.52 against 4.0 in 2024), and 19.4% 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 · 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
80.6%
Return on assets
20%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 5 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
2023
30 d late
2022
29 d late
2021
30 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
06-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€221k▲ 33.1%
2024 · €166k
2021: €82k
2022: €123k
2023: €148k
2024: €166k
2021 → 2025
Total assets
€274k▲ 17.3%
2024 · €233k
2021: €116k
2022: €220k
2023: €217k
2024: €233k
2021 → 2025
Net result
€55k▲ 216%
2024 · €17k
2021: €80k
2022: €42k
2023: €25k
2024: €17k
2021 → 2025
Working capital
€211k▲ 36.0%
2024 · €155k
2021: €66k
2022: €104k
2023: €135k
2024: €155k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€82k-€123k▲ 50.7%€148k▲ 20.2%€166k▲ 11.7%€221k▲ 33.1%
Operating result€101k-€56k▼ 44.6%€30k▼ 45.3%€18k▼ 41.0%€67k▲ 275%
Net result€80k-€42k▼ 48.3%€25k▼ 39.9%€17k▼ 30.6%€55k▲ 216%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 275% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €274k
Fixed assets
€16k▼ 39.9%
Current assets
€258k▲ 24.6%
Equity and liabilities €274k
Equity
€221k▲ 33.1%
Debt
€53k▼ 21.3%
The debt ratio falls from 29.0% to 19.4%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€80k▲
2024 · €33k
Cash flow
€68k▲
2024 · €32k
Solvency
80.6%▲
2024 · 71.0%
Current ratio
5.52▲
2024 · 4.00
Quick ratio
5.52▲
2024 · 4.00
Debt / equity
0.24▼
2024 · 0.41
ROE
24.9%▲
2024 · 10.5%
ROA
20.0%▲
2024 · 7.4%
Interest coverage
106.17▲
2024 · 25.56
Debt
€53k▼
2024 · €68k
Debt ≤ 1 year
€47k▼
2024 · €52k
Debt > 1 year
€6k▼
2024 · €16k
Income taxes
€19k▲
2024 · €8k
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€233k€274k▲
Fixed assets
21/28€26k€16k▼
Tangible fixed assets
22/27€26k€16k▼
Current assets
29/58€207k€258k▲
Amounts receivable within one year
40/41€25k€12k▼
Investments
50/53€9k-
Cash & bank
54/58-€50k
Total equity & liabilities
10/49€233k€274k▲
Equity
10/15€166k€221k▲
Contributions / capital
10/11€2k€2k=
Accumulated profits (losses)
14€164k€219k▲
Amounts payable
17/49€68k€53k▼
Amounts payable after one year
17€16k€6k▼
Amounts payable within one year
42/48€52k€47k▼
Trade debts payable within one year
44€641€630▼
Income statement
Code20242025
Gross operating margin
9900€34k€82k▲
Operating result
9901€18k€67k▲
Financial income
75€8k€8k▼
Financial charges
65€1k€758▼
Result before taxes
9903€25k€74k▲
Income taxes
67/77€8k€19k▲
Net result for the period
9904€17k€55k▲
Result to be appropriated
9905€17k€55k▲
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Equity above €200kEq €221k ▲33.1%
5 profitable years in a row build equity to €221k.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Weakest financial yearnet €17k ▼30.6%
Net result drops to €17k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €150kEq €166k ▲11.7%
4 profitable years in a row build equity to €166k.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
31-12
Financial
Equity above €100kEq €123k ▲50.7%
2 profitable years in a row build equity to €123k.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
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Of 13,400 companies in sector 73300 we hold annual accounts for 6,773. 5,077 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-07-2020
Fiscal year end31-12
Activities, NACEBEL
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 16-08-2026. Scores and ratios are computed by Checked and are not a credit decision.