CERTIPLUS
ActiveCERTIPLUS has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €8k and a net result of €-79k. Equity is shrinking by ~15.9% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2027. Its solvency ranks better than 10% of 31061 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency13▼-10
Growth32=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity tight (current ratio 1.04 against 0.61 in 2024), and 97.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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 →
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
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
2.1%
Return on assets
-19.9%
Age of the figures
8 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
19202122232425
2019 to 2025 · latest year -€79k
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 31061 sector peers (2025).
NBB · sector comparisonPosition among 31061 sector peers
Solvency
better than 10%
← 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 18-07-2026, 13 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
13 d early
2024
71 d late
2023
61 d late
2022
53 d late
2021
47 d late
2020
31 d late
2019
82 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
07-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€8k▼ 90.5%
2024 · €88k
2019: €178k
2020: €179k
2021: €194k
2022: €213k
2023: €91k
2024: €88k
2019 → 2025
Total assets
€400k▲ 2.3%
2024 · €391k
2019: €409k
2020: €244k
2021: €309k
2022: €385k
2023: €461k
2024: €391k
2019 → 2025
Net result
€-79k▼ 2,363%
2024 · €-3k
2019: €159k
2020: €160k
2021: €15k
2022: €19k
2023: €-122k
2024: €-3k
2019 → 2025
Working capital
€12k
2024 · €-91k
2019: €169k
2020: €162k
2021: €124k
2022: €140k
2023: €-84k
2024: €-91k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€194k-€213k▲ 9.6%€91k▼ 57.2%€88k▼ 3.5%€8k▼ 90.5%
Operating result€26k-€34k▲ 33.5%€-117k€3k€-71k
Net result€15k-€19k▲ 24.9%€-122k€-3k▲ 97.4%€-79k▼ 2,363%
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 turns negative in 2025: a loss of €71k after €3k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €400k
Fixed assets
€54k▼ 78.3%
Current assets
€346k▲ 146%
Equity and liabilities €400k
Equity
€8k▼ 90.5%
Debt
€391k▲ 29.3%
The debt ratio rises from 77.5% to 97.9%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€-54k▼
2024 · €17k
Cash flow
€-63k▼
2024 · €11k
Solvency
2.1%▼
2024 · 22.5%
Current ratio
1.04▲
2024 · 0.61
Quick ratio
1.04▲
2024 · 0.61
Debt / equity
46.95▲
2024 · 3.45
ROE
-953.2%▼
2024 · -3.7%
ROA
-19.9%▼
2024 · -0.8%
Interest coverage
-6.40▼
2024 · 2.55
Debt
€391k▲
2024 · €303k
Debt ≤ 1 year
€334k▲
2024 · €232k
Debt > 1 year
€58k▼
2024 · €71k
Income taxes
€1k▲
2024 · €576
Staff costs
€323k▼
2024 · €372k
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 assets20/58€391k€400k▲
Fixed assets21/28€250k€54k▼
Intangible fixed assets21€23k€16k▼
Tangible fixed assets22/27€12k€34k▲
Financial fixed assets28€215k€5k▼
Current assets29/58€141k€346k▲
Amounts receivable within one year40/41€40k€129k▲
Cash & bank54/58€95k€201k▲
Total equity & liabilities10/49€391k€400k▲
Equity10/15€88k€8k▼
Contributions / capital10/11€6k€6k=
Reserves13€13k€13k=
Accumulated profits (losses)14€69k€-11k▼
Amounts payable17/49€303k€391k▲
Amounts payable after one year17€71k€58k▼
Amounts payable within one year42/48€232k€334k▲
Trade debts payable within one year44€66k€135k▲
Income statement
Code20242025
Gross operating margin9900€403k€302k▼
Operating result9901€3k€-71k▼
Financial income75€1k€981▼
Financial charges65€7k€8k▲
Result before taxes9903€-3k€-78k▼
Income taxes67/77€576€1k▲
Net result for the period9904€-3k€-79k▼
Result to be appropriated9905€-3k€-79k▼
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
18-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
10-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 71 days late
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 61 days late
2023
31-12
Financial
Weakest financial yearnet €-122k ▼756%
Net result drops to €-122k, the lowest in the series; recovery starts the following year.
22-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 53 days late
2022
31-12
Financial
Equity above €200kEq €213k ▲9.6%
4 profitable years in a row build equity to €213k.
16-09
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 47 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
31-12
Financial
Highest result since 2019net €160k ▲0.7%
Net result €160k, the highest in the series.
31-12
Financial
Liquidity doublescurrent ratio 3.51
Current ratio from 1.73 to 3.51; short-term debt falls from €230k to €64k.
21-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 82 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Comparable companies · same sector, comparable size
Similar companies · same sector, comparable size
RPVP Consulting
BE 0788.456.283
Verlaine · Eq €8k
J&D PROJECT MANAGEMENT
BE 0567.622.620
Antwerpen · Eq €8k
WATTS.green Investments
BE 0783.409.315
Watermaal-Bosvoorde · Eq €8k
UIT DE PUT
BE 0647.844.885
Antwerpen · Eq €8k
Kuwa
BE 0802.963.822
Wingene · Eq €8k
Of 82,136 companies in sector 70200 we hold annual accounts for 52,099. 20,612 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-03-2011
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
71121Engineering and related technical consultancy, excluding land surveyors
74909Other professional, scientific and technical activities
74999Other professional, scientific and technical activities
81100Combined facilities support activities
82100Office administrative and support services
82110Office administrative, office support and other business support activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 27-08-2026. Scores and ratios are computed by Checked and are not a credit decision.