Commit Management
ActiveThe file of Commit Management contains 2 historical bankruptcy publications, as published in the Belgian State Gazette.
Summary
The computed 12-month bankruptcy probability is 0.4% (very low). The 2024 annual accounts show equity of €164k and a net result of €91k. Equity is growing by ~41.6% per year across the filed fiscal years. Its solvency ranks better than 61% of 9518 sector peers (fiscal year 2024).
Checked score
Score 2024
89
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency87▲+16
Growth78=
Track record85
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days only on tighter terms
Liquidity ample (current ratio 2.55 against 1.78 in 2023; short-term debt: 37.9% and cash: 33.5% of total assets), and 37.9% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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 82
Relative position
BE, all sectors
reference
Sector 82
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 23-10-2025, 84 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 · 4 filingsDeviation from the deadline
2025
not confirmed
2024
84 d late
2023
289 d late
2022
165 d late
2021
75 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€164k▲ 125%
2023 · €73k
2021: €45k
2022: €56k
2023: €73k
2021 → 2024
Total assets
€265k▲ 65.6%
2023 · €160k
2021: €100k
2022: €134k
2023: €160k
2021 → 2024
Net result
€91k▲ 57.1%
2023 · €58k
2021: €27k
2022: €11k
2023: €58k
2021 → 2024
Working capital
€156k▲ 130%
2023 · €68k
2021: €45k
2022: €53k
2023: €68k
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€45k-€56k▲ 24.1%€73k▲ 30.3%€164k▲ 125%
Operating result€72k-€48k▼ 34.0%€79k▲ 66.3%€116k▲ 46.3%
Net result€27k-€11k▼ 59.1%€58k▲ 435%€91k▲ 57.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 46% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €265k
Fixed assets
€9k ▲ 62.4%
Current assets
€256k ▲ 65.7%
Equity and liabilities €265k
Equity
€164k ▲ 125%
Debt
€100k ▲ 15.5%
Debt's share of the balance-sheet total falls from 54.3% to 37.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€117k▲
2023 · €79k
Cash flow
€93k▲
2023 · €58k
Current ratio
2.55▲
2023 · 1.78
Debt to equity
0.61▼
2023 · 1.19
ROE
55.6%▼
2023 · 79.6%
ROA
34.5%▼
2023 · 36.4%
Interest coverage
40.66▲
2023 · 11.36
Debt ≤ 1 year
€100k▲
2023 · €87k
Income taxes
€29k▲
2023 · €19k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 42 lines
Balance sheet
Code20232024
Assets
Total assets20/58€160k€265k▲
Fixed assets21/28€5k€9k▲
Tangible fixed assets22/27€5k€9k▲
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€4k€8k▲
Current assets29/58€154k€256k▲
Amounts receivable within one year40/41€126k€167k▲
Trade receivables40€21k€21k▲
Other amounts receivable41€105k€145k▲
Cash at bank and in hand54/58€28k€89k▲
Deferred charges and accrued income490/1€238€238=
Equity and liabilities
Total equity and liabilities10/49€160k€265k▲
Equity10/15€73k€164k▲
Contributions10/11€19k€19k=
Reserves13€27k€27k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€25k€25k=
Profit (loss) carried forward14€28k€119k▲
Amounts payable17/49€87k€100k▲
Amounts payable within one year42/48€87k€100k▲
Trade debts44€4k€2k▼
Suppliers440/4€4k€2k▼
Taxes, remuneration and social security45€42k€57k▲
Taxes450/3€42k€57k▲
Other amounts payable47/48€41k€41k=
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€315€2k▲
Other operating charges640/8€7k€1k▼
Gross operating margin9900€87k€119k▲
Operating profit (loss)9901€79k€116k▲
Financial income75/76B€5k€7k▲
Recurring financial income75€5k€7k▲
Financial charges65/66B€7k€3k▼
Recurring financial charges65€7k€3k▼
Profit (loss) for the period before taxes9903€77k€120k▲
Income taxes67/77€19k€29k▲
Profit (loss) for the period9904€58k€91k▲
Profit (loss) for the period to be appropriated9905€58k€91k▲
Appropriation of the result
Profit (loss) to be appropriated9906€69k€119k▲
Profit (loss) brought forward from the previous period14P€11k€28k▲
Profit to be distributed694/7€41k-
Return on contributions (dividend)694€41k-
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
23-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 84 days late
16-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 289 days late
2024
31-12
Financial
Highest result since 2021net €91k ▲57.1%
Operating result €116k, net result €91k, both a record.
31-12
Financial
Equity above €150kEq €164k ▲125%
4 profitable years in a row build equity to €164k.
25-01
Bankruptcy
Bankruptcy reversal
Ondernemingsrechtbank Antwerpen, afdeling Mechelen · event 22-01-2024
12-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 165 days late
2023
22-12
Bankruptcy
Opening
Ondernemingsrechtbank Antwerpen, afdeling Mechelen · event 18-12-2023
2022
31-12
Financial
Weakest financial yearnet €11k ▼59.1%
Net result drops to €11k, the lowest in the series; recovery starts the following year.
14-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 75 days late
SignalFinancial 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
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, Heist-op-den-Berg · 1 establishment unit since 2018
Ground area
1,325 m²
Building footprint
282 m²
Volume, LiDAR
1,258 m³
Parcel 12322I0175/00F000, Flanders · tallest building 6.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Commit Management
since 20182.277.660.166
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12322I0175/00F000 | Flanders | 1,325 m² | 1 · 282 m² | 6.5 m · 2 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.
Insolvency mandates
1 mandate| Role | Name | Tenure |
|---|---|---|
| Curator | ANNELIES HELLEMANS NEETWEG 24, 2220 HEIST-OP-
DEN-BERG |
18-12-2023 → 22-01-2024 |
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Of 24,500 companies in sector 82990 we hold annual accounts for 9,404. 7,082 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded20-06-2018
Fiscal year end31-12
Activities, NACEBEL 2025
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.