CROSSFUNCTIONAL
ActiveCROSSFUNCTIONAL has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €29k and a net result of €-10k. Equity is shrinking by ~7% per year across the filed fiscal years. Its solvency ranks better than 95% of 16745 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
60
/ 100
Healthy▲ +8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency100=
Growth32=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 73.39 against 6.9 in 2024), and 0.9% 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 62
Relative position
BE, all sectors
reference
Sector 62
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
99.1%
Return on assets
-35%
Age of the figures
11 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
1819202122232425
2018 to 2025 · latest year -€10k
neutral · Filed after the deadline
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 28-05-2026, 28 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 · 10 filingsDeviation from the deadline
2025
28 d late
2024
23 d late
2023
31 d late
2022
34 d early
2021
26 d early
2020
35 d early
2019
38 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
07-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€29k▼ 26.2%
2024 · €39k
2018: €72k
2019: €64k
2020: €63k
2021: €78k
2022: €96k
2023: €107k
2024: €39k
2018 → 2025
Total assets
€29k▼ 31.7%
2024 · €43k
2018: €136k
2019: €152k
2020: €101k
2021: €125k
2022: €131k
2023: €136k
2024: €43k
2018 → 2025
Net result
€-10k▲ 78.6%
2024 · €-48k
2018: €18k
2019: €14k
2020: €-958
2021: €17k
2022: €19k
2023: €11k
2024: €-48k
2018 → 2025
Working capital
€20k▼ 6.7%
2024 · €21k
2018: €15k
2019: €5k
2020: €11k
2021: €8k
2022: €35k
2023: €62k
2024: €21k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€78k-€96k▲ 22.3%€107k▲ 11.3%€39k▼ 63.0%€29k▼ 26.2%
Operating result€27k-€29k▲ 6.6%€19k▼ 35.1%€-49k€-10k▲ 79.5%
Net result€17k-€19k▲ 12.9%€11k▼ 43.4%€-48k€-10k▲ 78.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €10k in 2025 against €49k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €29k
Fixed assets
€9k▼ 48.8%
Current assets
€20k▼ 19.2%
Equity and liabilities €29k
Equity
€29k▼ 26.2%
Debt
€274▼ 92.4%
The debt ratio falls from 8.4% to 0.9%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€-1k▲
2024 · €-22k
Cash flow
€-1k▲
2024 · €-21k
Solvency
99.1%▲
2024 · 91.6%
Current ratio
73.39▲
2024 · 6.90
Quick ratio
73.39▲
2024 · 6.90
Debt / equity
0.01▼
2024 · 0.09
ROE
-35.3%▲
2024 · -121.9%
ROA
-35.0%▲
2024 · -111.7%
Interest coverage
-4.23▲
2024 · -46.28
Debt
€274▼
2024 · €4k
Debt ≤ 1 year
€274▼
2024 · €4k
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€43k€29k▼
Fixed assets21/28€18k€9k▼
Tangible fixed assets22/27€18k€9k▼
Plant, machinery and equipment23€2k€2k▼
Furniture and vehicles24€17k€8k▼
Financial fixed assets28€15€15=
Current assets29/58€25k€20k▼
Amounts receivable within one year40/41€19k€9k▼
Other amounts receivable41€19k€9k▼
Cash at bank and in hand54/58€6k€11k▲
Equity and liabilities
Total equity and liabilities10/49€43k€29k▼
Equity10/15€39k€29k▼
Contributions10/11€19k€19k=
Outside capital11€19k€19k=
Share premium1100/10€19k€19k=
Reserves13€69k€40k▼
Tax-exempt reserves132€5k€5k=
Distributable reserves133€64k€35k▼
Profit (loss) carried forward14€-48k€-30k▲
Amounts payable17/49€4k€274▼
Amounts payable within one year42/48€4k€274▼
Trade debts44€672-
Suppliers440/4€672-
Taxes, remuneration and social security45€877€274▼
Taxes450/3€877€274▼
Other amounts payable47/48€2k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€27k€9k▼
Other operating charges640/8€1k€3k▲
Gross operating margin9900€-21k€1k▲
Operating profit (loss)9901€-49k€-10k▲
Financial income75/76B€1k-
Recurring financial income75€1k-
Financial charges65/66B€480€268▼
Recurring financial charges65€480€268▼
Profit (loss) for the period before taxes9903€-48k€-10k▲
Profit (loss) for the period9904€-48k€-10k▲
Profit (loss) for the period to be appropriated9905€-48k€-10k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-48k€-30k▲
Profit (loss) brought forward from the previous period14P-€-19k
Transfer from equity791/2€18k-
Profit to be distributed694/7€18k-
Return on contributions (dividend)694€18k-
The notes to these accounts (4 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
28-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
30-09
Financial
Liquidity times 11current ratio 73.39
Current ratio from 6.90 to 73.39; short-term debt falls from €4k to €274.
23-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 23 days late
2024
30-09
Financial
Weakest financial yearnet €-48k ▼546%
Net result drops to €-48k, the lowest in the series; recovery starts the following year.
30-09
Financial
Liquidity doublescurrent ratio 6.90
Current ratio from 3.16 to 6.90; short-term debt falls from €29k to €4k.
31-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
30-09
Financial
Equity above €100kEq €107k ▲11.3%
3 profitable years in a row build equity to €107k.
27-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Highest result since 2018net €19k ▲12.9%
Net result €19k, the highest in the series.
04-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Back to profitnet €17k
Net result €17k after one loss-making year.
26-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
23-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
11-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
16-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-03
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
2 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, Berlare · 1 establishment unit since 2001
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.
Dorp(B) 719290 BerlareGround area
801 m²
Building footprint
157 m²
Volume, LiDAR
968 m³
Parcel 42003B0214/00N000, Flanders · tallest building 10.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Ergens Onderweg
since 20012.095.243.352
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42003B0214/00N000 | Flanders | 801 m² | 1 · 157 m² | 10.2 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.
Similar companies · same sector, comparable size
AB INITIO
BE 0447.348.954
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OZTECH
BE 0686.956.770
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BELSIDES
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Mons · Eq €29k
Of 29,863 companies in sector 62200 we hold annual accounts for 18,244. 14,133 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-08-2001
Fiscal year end30-09
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
72100
62010Computer programming, consultancy and related activities
62900Other information technology and computer services
62100Computer programming
63100Computing infrastructure, data processing, hosting and related activities
63110Computing infrastructure, data processing, hosting and other information service activities
72220
72300
72600
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Data from official sources, last processed on 07-09-2026. Scores and ratios are computed by Checked and are not a credit decision.