BOR
ActiveBOR has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (€-70k) and a net result of €3k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 12% of 2507 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
16
/ 100
Critical▲ +9 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-100
Solvency33=
Growth58▲+26
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.38 against 0.42 in 2024), and equity is negative.
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 · 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 95
Relative position
BE, all sectors
reference
Sector 95
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
-23.5%
Return on assets
1.1%
Age of the figures
11 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 12% of 2507 sector peers (2025).
NBB · sector comparisonPosition among 2507 sector peers
Solvency
better than 12%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 02-03-2026, 59 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
59 d early
2024
7 d early
2023
18 d early
2022
24 d early
2021
47 d early
2020
1 d early
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
14-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-70k▲ 4.4%
2024 · €-73k
2018: €125k
2019: €83k
2020: €8k
2021: €-15k
2022: €-26k
2023: €-7k
2024: €-73k
2018 → 2025
Total assets
€298k▲ 4.8%
2024 · €284k
2018: €418k
2019: €322k
2020: €248k
2021: €232k
2022: €510k
2023: €243k
2024: €284k
2018 → 2025
Net result
€3k
2024 · €-67k
2018: €-15k
2019: €-42k
2020: €-74k
2021: €-24k
2022: €-11k
2023: €20k
2024: €-67k
2018 → 2025
Working capital
€-217k▼ 18.9%
2024 · €-182k
2018: €17k
2019: €-8k
2020: €-62k
2021: €-82k
2022: €-103k
2023: €-102k
2024: €-182k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-15k-€-26k▼ 73.0%€-7k▲ 74.8%€-73k▼ 1,005%€-70k▲ 4.4%
Operating result€-13k-€-1k▲ 92.4%€28k€-61k€8k
Net result€-24k-€-11k▲ 53.0%€20k€-67k€3k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €8k after a loss of €61k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €298k
Fixed assets
€167k▲ 11.3%
Current assets
€130k▼ 2.5%
Key figures and ratios
EBITDA
€34k▲
2024 · €-41k
Cash flow
€30k▲
2024 · €-47k
Solvency
-23.5%▲
2024 · -25.8%
Current ratio
0.38▼
2024 · 0.42
Quick ratio
0.35▼
2024 · 0.39
Debt / equity
-5.26▼
2024 · -4.88
ROE
-4.7%▼
2024 · 90.9%
ROA
1.1%▲
2024 · -23.4%
Interest coverage
4.87▲
2024 · -5.18
Debt
€368k▲
2024 · €357k
Debt ≤ 1 year
€347k▲
2024 · €316k
Debt > 1 year
€20k▼
2024 · €41k
Income taxes
€142▲
2024 · €105
Staff costs
€59k▼
2024 · €59k
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€284k€298k▲
Fixed assets21/28€150k€167k▲
Tangible fixed assets22/27€142k€160k▲
Land and buildings22€113k€121k▲
Plant, machinery and equipment23€8k€11k▲
Furniture and vehicles24€22k€27k▲
Financial fixed assets28€8k€8k=
Current assets29/58€134k€130k▼
Stocks and contracts in progress3€9k€9k=
Stocks30/36€9k€9k=
Amounts receivable within one year40/41€112k€106k▼
Trade receivables40€59k€62k▲
Other amounts receivable41€53k€44k▼
Cash at bank and in hand54/58€11k€11k▲
Deferred charges and accrued income490/1€2k€4k▲
Equity and liabilities
Total equity and liabilities10/49€284k€298k▲
Equity10/15€-73k€-70k▲
Contributions10/11€193k€193k=
Reserves13€32k€32k=
Non-distributable reserves130/1€13k€13k=
Reserves not available under the articles1311€13k€13k=
Tax-exempt reserves132€19k€19k=
Profit (loss) carried forward14€-298k€-294k▲
Amounts payable17/49€357k€368k▲
Amounts payable after more than one year17€41k€20k▼
Financial debts170/4€41k€20k▼
Amounts payable within one year42/48€316k€347k▲
Current portion of amounts payable after more than one year42€19k€21k▲
Financial debts43€17k€14k▼
Credit institutions430/8€17k€14k▼
Trade debts44€76k€56k▼
Suppliers440/4€76k€56k▼
Advances received on contracts in progress46-€3k
Taxes, remuneration and social security45€9k€11k▲
Taxes450/3€2k€5k▲
Remuneration and social security454/9€8k€6k▼
Other amounts payable47/48€196k€243k▲
Income statement
Code20242025
Non-recurring operating income76A€8k-
Remuneration, social security and pensions62€59k€59k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€26k▲
Other operating charges640/8€8k€8k▲
Gross operating margin9900€25k€101k▲
Operating profit (loss)9901€-61k€8k▲
Financial income75/76B€3k€2k▼
Recurring financial income75€3k€2k▼
Financial charges65/66B€8k€7k▼
Recurring financial charges65€8k€7k▼
Profit (loss) for the period before taxes9903€-66k€3k▲
Income taxes67/77€105€142▲
Profit (loss) for the period9904€-67k€3k▲
Profit (loss) for the period to be appropriated9905€-67k€3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-298k€-294k▲
Profit (loss) brought forward from the previous period14P€-231k€-298k▼
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
02-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
23-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
12-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Back to profitnet €20k
Net result €20k after 5 loss-making years.
06-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
14-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Weakest financial yearnet €-74k
Net result drops to €-74k, the lowest in the series; recovery starts the following year.
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
05-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
17-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Gent · 1 establishment unit since 2002
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.
Industrieweg 122A9032 GentGround area
332 m²
Building footprint
211 m²
Volume, LiDAR
1,680 m³
Parcel 44074C0350/00K004, Flanders · tallest building 9.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Bor Car Detailing
since 20022.099.224.807
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44074C0350/00K004 | Flanders | 332 m² | 1 · 211 m² | 9.0 m · 3 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.
Public money · subsidies and aid
Flemish government
2023 to 2024 · 2 entries · 2,000 EUR awarded · 2,188 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 2,000 EUR | 2,000 EUR |
| 2023 | 1 | 0 EUR | 188 EUR |
Schemes
Hinderpremie bij openbare werken
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 1,872 companies in sector 95314 we hold annual accounts for 843. 281 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded10-11-1999
Fiscal year end30-09
Activities, NACEBEL
45204
95319Other maintenance and repair of motor vehicles
50200
95314Bodywork repair (including spraying and painting)
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.