CHARITY OPTIMIZER
ActiveCHARITY OPTIMIZER has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €196k and a net result of €63k. Equity is growing by ~3.9% per year across the filed fiscal years. Its solvency ranks better than 64% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
92
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability97▲+1
Solvency94▼-5
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €17k at 30 days acceptable
Liquidity ample (current ratio 3.15 against 4.18 in 2024; short-term debt: 29.9% and cash: 50.5% of total assets), and 30.7% 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 →
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 · 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
69.3%
Return on assets
22.3%
Age of the figures
12 mo
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 01-04-2026, 29 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
29 d early
2024
7 d early
2023
28 d early
2022
34 d early
2021
33 d early
2020
17 d early
2019
7 d early
← 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
22-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€196k▲ 14.2%
2024 · €171k
2018: €134k
2019: €158k
2020: €157k
2021: €145k
2022: €157k
2023: €143k
2024: €171k
2018 → 2025
Total assets
€282k▲ 22.0%
2024 · €231k
2018: €149k
2019: €210k
2020: €222k
2021: €190k
2022: €217k
2023: €197k
2024: €231k
2018 → 2025
Net result
€63k▲ 23.7%
2024 · €51k
2018: €14k
2019: €24k
2020: €49k
2021: €8k
2022: €37k
2023: €13k
2024: €51k
2018 → 2025
Working capital
€181k▲ 9.5%
2024 · €166k
2018: €132k
2019: €158k
2020: €153k
2021: €142k
2022: €153k
2023: €133k
2024: €166k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€145k-€157k▲ 8.2%€143k▼ 8.8%€171k▲ 19.4%€196k▲ 14.2%
Operating result€12k-€52k▲ 342%€18k▼ 64.7%€70k▲ 282%€83k▲ 17.8%
Net result€8k-€37k▲ 356%€13k▼ 65.4%€51k▲ 299%€63k▲ 23.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 18% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €282k
Fixed assets
€16k▲ 19.9%
Current assets
€266k▲ 22.1%
Equity and liabilities €282k
Equity
€196k▲ 14.2%
Debt
€87k▲ 44.0%
The debt ratio rises from 26.0% to 30.7%. Equity and debt are higher.
Key figures and ratios
EBITDA
€85k▲
2024 · €73k
Cash flow
€65k▲
2024 · €53k
Solvency
69.3%▼
2024 · 74.0%
Current ratio
3.15▼
2024 · 4.18
Quick ratio
3.15▼
2024 · 4.18
Debt / equity
0.44▲
2024 · 0.35
ROE
32.2%▲
2024 · 29.7%
ROA
22.3%▲
2024 · 22.0%
Interest coverage
307.39▼
2024 · 447.92
Debt
€87k▲
2024 · €60k
Debt ≤ 1 year
€84k▲
2024 · €52k
Debt > 1 year
€2k
Income taxes
€25k▲
2024 · €20k
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€231k€282k▲
Fixed assets21/28€14k€16k▲
Tangible fixed assets22/27€13k€16k▲
Furniture and vehicles24€6k€8k▲
Other tangible fixed assets26€7k€7k=
Financial fixed assets28€900€900=
Current assets29/58€218k€266k▲
Amounts receivable after more than one year29€80k€58k▼
Other amounts receivable291€80k€58k▼
Amounts receivable within one year40/41€30k€46k▲
Trade receivables40€22k€20k▼
Other amounts receivable41€9k€26k▲
Current investments50/53€30k€15k▼
Cash at bank and in hand54/58€77k€143k▲
Deferred charges and accrued income490/1-€4k
Equity and liabilities
Total equity and liabilities10/49€231k€282k▲
Equity10/15€171k€196k▲
Contributions10/11€12k€12k=
Reserves13€80k€102k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€79k€100k▲
Profit (loss) carried forward14€78k€81k▲
Amounts payable17/49€60k€87k▲
Amounts payable after more than one year17-€2k
Financial debts170/4-€2k
Amounts payable within one year42/48€52k€84k▲
Current portion of amounts payable after more than one year42-€2k
Trade debts44€922€9k▲
Suppliers440/4€922€9k▲
Taxes, remuneration and social security45€29k€38k▲
Taxes450/3€29k€38k▲
Other amounts payable47/48€22k€36k▲
Accrued charges and deferred income492/3€8k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▲
Other operating charges640/8€109€72▼
Non-recurring operating charges66A€397€63▼
Gross operating margin9900€73k€85k▲
Operating profit (loss)9901€70k€83k▲
Financial income75/76B€142€5k▲
Recurring financial income75€142€5k▲
Financial charges65/66B€162€277▲
Recurring financial charges65€162€277▲
Profit (loss) for the period before taxes9903€70k€88k▲
Income taxes67/77€20k€25k▲
Profit (loss) for the period9904€51k€63k▲
Profit (loss) for the period to be appropriated9905€51k€63k▲
Appropriation of the result
Profit (loss) to be appropriated9906€118k€141k▲
Profit (loss) brought forward from the previous period14P€68k€78k▲
Transfer from equity791/2€23k€39k▲
Transfer to equity691/2€40k€60k▲
To other reserves6921€40k€60k▲
Profit to be distributed694/7€23k€39k▲
Return on contributions (dividend)694€23k€39k▲
The notes to these accounts (7 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
01-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Highest result since 2018net €63k ▲23.7%
Operating result €83k, net result €63k, both a record.
23-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Equity above €150kEq €171k ▲19.4%
7 profitable years in a row build equity to €171k.
02-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Equity above €150kEq €157k ▲8.2%
5 profitable years in a row build equity to €157k.
28-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Weakest financial yearnet €8k ▼83.5%
Net result drops to €8k, the lowest in the series; recovery starts the following year.
13-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
23-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Equity above €150kEq €158k ▲18.3%
2 profitable years in a row build equity to €158k.
25-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
08-02
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
13-03
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Ukkel · 1 establishment unit since 2006
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.
Robert Scottstraat 331180 UkkelGround area
146 m²
Building footprint
81 m²
Volume, LiDAR
968 m³
Parcel 21614E0082/00Z004, Brussels · tallest building 15.7 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Robert Scottstraat 33, 1180 Ukkel
since 20062.157.866.057
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21614E0082/00Z004 | Brussels | 146 m² | 1 · 81 m² | 15.7 m · 4 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 82,569 companies in sector 70200 we hold annual accounts for 52,573. 40,130 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-11-2006
Fiscal year end30-09
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.