CROSSOVER
ActiveSummary
CROSSOVER has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €359,564 and a net result of €71,218. Equity is growing by ~6.9% per year across the filed fiscal years. Its solvency ranks better than 76% of 32023 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability88▲+3
Solvency100▲+5
Growth58=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30,000 at 30 days acceptable
Liquidity ample (current ratio 9.23 against 6.16 in 2024; short-term debt: 7.5% and cash: 30.9% of total assets), and 20.8% of the assets are financed with debt.
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Signals
Four signals. The signal on the left, the evidence on the right.
−lowers 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
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← 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
79.2%
Return on assets
15.7%
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 12-02-2026, 77 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
77 d early
2024
34 d early
2023
104 d early
2022
101 d early
2021
75 d early
2020
71 d early
2019
35 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 71 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.
Checked, nothing found (2)
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. Usually files around 12 February (4 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 close30-09-2026 today30-04-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€359,564▲ 24.7%
2024 · €288,347
Total assets
€453,915▲ 10.2%
2024 · €411,984
Net result
€71,218▼ 9.3%
2024 · €78,486
Working capital
€280,788▲ 17.2%
2024 · €239,642
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€94,482€115,608▲ 22.4%€94,231▼ 18.5%€103,196▲ 9.5%€101,126▼ 2.0%
Net result€72,791above the sector's middle half€72,644above the sector's middle half▼ 0.2%€69,267above the sector's middle half▼ 4.6%€78,486above the sector's middle half▲ 13.3%€71,218above the sector's middle half▼ 9.3%
Equity€233,653within the sector's middle half▲ 45.3%€306,296above the sector's middle half▲ 31.1%€246,025above the sector's middle half▼ 19.7%€288,347above the sector's middle half▲ 17.2%€359,564above the sector's middle half▲ 24.7%
Total assets€398,911within the sector's middle half▲ 20.7%€448,667within the sector's middle half▲ 12.5%€371,230within the sector's middle half▼ 17.3%€411,984within the sector's middle half▲ 11.0%€453,915within the sector's middle half▲ 10.2%
Debt€165,259▼ 2.5%€142,371▼ 13.8%€125,205▼ 12.1%€123,638▼ 1.3%€94,351▼ 23.7%
Working capital€215,500above the sector's middle half▲ 38.9%€278,113above the sector's middle half▲ 29.1%€209,598above the sector's middle half▼ 24.6%€239,642above the sector's middle half▲ 14.3%€280,788above the sector's middle half▲ 17.2%
Solvency58.6%within the sector's middle half▲ 9.9pp68.3%within the sector's middle half▲ 9.7pp66.3%within the sector's middle half▼ 2.0pp70.0%within the sector's middle half▲ 3.7pp79.2%above the sector's middle half▲ 9.2pp
Current ratio6.60above the sector's middle half▼ 0.319.62above the sector's middle half▲ 3.037.57above the sector's middle half▼ 2.066.16above the sector's middle half▼ 1.409.23above the sector's middle half▲ 3.07
Return on assets (ROA)18.2%within the sector's middle half▲ 31.7pp16.2%within the sector's middle half▼ 2.1pp18.7%within the sector's middle half▲ 2.5pp19.1%within the sector's middle half▲ 0.4pp15.7%within the sector's middle half▼ 3.4pp
above
within
below
the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 2% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €453,915
Fixed assets
€139,005 ▲ 10.4%
Current assets
€314,910 ▲ 10.1%
Equity and liabilities €453,915
Equity
€359,564 ▲ 24.7%
Debt
€94,351 ▼ 23.7%
Debt's share of the balance-sheet total falls from 30.0% to 20.8%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€115,954▲
2024 · €112,603
Cash flow
€86,046▼
2024 · €87,893
Debt to equity
0.26▼
2024 · 0.43
ROE
19.8%▼
2024 · 27.2%
Interest coverage
45.53▲
2024 · -26.82
Debt ≤ 1 year
€34,122▼
2024 · €46,409
Debt > 1 year
€60,229▼
2024 · €77,229
Income taxes
€27,726▼
2024 · €29,524
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 20,134 companies that looked in July 2024 the way this one looks now, 0.2% went bankrupt within 24 months and 95% are still going.
- Small
- 20 years or older
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.2%
went bankrupt
4.7%
stopped otherwise
95%
still going
For this company itself Checked computes a bankruptcy probability of 0.1% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 20,134 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | €4,500 | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €8,096 | €8,276 | €8,595 | €9,407 | €14,829 | ▲ 57.6% |
| Other operating charges640/8 | - | €1,501 | €2,061 | €1,577 | €1,233 | ▼ 21.8% |
| Gross operating margin9900 | €104,119 | €125,386 | €104,887 | €114,180 | €117,187 | ▲ 2.6% |
| Operating profit (loss)9901 | €94,482 | €115,608 | €94,231 | €103,196 | €101,126 | ▼ 2.0% |
| Financial income75/76B | - | €2 | €371 | €614 | €365 | ▼ 40.6% |
| Recurring financial income75 | €0 | €2 | €371 | €614 | €365 | ▼ 40.6% |
| Financial charges65/66B | - | €11,021 | -€1,149 | -€4,199 | €2,547 | ▲ 161% |
| Recurring financial charges65 | €2,056 | €11,021 | -€1,149 | -€4,199 | €2,547 | ▲ 161% |
| Profit (loss) for the period before taxes9903 | €92,426 | €104,590 | €95,751 | €108,009 | €98,944 | ▼ 8.4% |
| Income taxes67/77 | €19,635 | €31,946 | €26,484 | €29,524 | €27,726 | ▼ 6.1% |
| Profit (loss) for the period9904 | €72,791 | €72,644 | €69,267 | €78,486 | €71,218 | ▼ 9.3% |
| Transfer from tax-exempt reserves789 | - | €0 | - | - | - | - |
| Profit (loss) for the period to be appropriated9905 | €76,638 | €72,644 | €69,267 | €78,486 | €71,218 | ▼ 9.3% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €398,911 | €448,667 | €371,230 | €411,984 | €453,915 | ▲ 10.2% |
| Fixed assets21/28 | €144,909 | €138,301 | €129,706 | €125,934 | €139,005 | ▲ 10.4% |
| Tangible fixed assets22/27 | €144,909 | €138,301 | €129,706 | €125,934 | €139,005 | ▲ 10.4% |
| Land and buildings22 | - | €132,966 | €126,334 | €119,697 | €113,061 | ▼ 5.5% |
| Plant, machinery and equipment23 | - | €979 | €490 | €0 | - | - |
| Furniture and vehicles24 | - | €4,356 | €2,883 | €6,237 | €25,944 | ▲ 316% |
| Current assets29/58 | €254,002 | €310,366 | €241,523 | €286,051 | €314,910 | ▲ 10.1% |
| Amounts receivable within one year40/41 | €34,309 | €38,316 | €67,428 | €59,390 | €24,119 | ▼ 59.4% |
| Trade receivables40 | - | €38,316 | €42,631 | €47,622 | €19,098 | ▼ 59.9% |
| Other amounts receivable41 | - | €0 | €24,797 | €11,768 | €5,021 | ▼ 57.3% |
| Current investments50/53 | - | €40,682 | €43,382 | €50,000 | €150,000 | ▲ 200% |
| Cash at bank and in hand54/58 | €218,563 | €230,537 | €129,715 | €175,655 | €140,160 | ▼ 20.2% |
| Deferred charges and accrued income490/1 | - | €830 | €999 | €1,006 | €631 | ▼ 37.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €398,911 | €448,667 | €371,230 | €411,984 | €453,915 | ▲ 10.2% |
| Equity10/15 | €233,653 | €306,296 | €246,025 | €288,347 | €359,564 | ▲ 24.7% |
| Contributions10/11 | - | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €227,453 | €300,096 | €239,825 | €282,147 | €353,364 | ▲ 25.2% |
| Non-distributable reserves130/1 | - | €19,860 | €0 | - | - | - |
| Reserves not available under the articles1311 | - | €19,860 | €0 | - | - | - |
| Distributable reserves133 | - | €280,236 | €239,825 | €282,147 | €353,364 | ▲ 25.2% |
| Profit (loss) carried forward14 | €0 | - | €0 | €0 | €0 | - |
| Amounts payable17/49 | €165,259 | €142,371 | €125,205 | €123,638 | €94,351 | ▼ 23.7% |
| Amounts payable after more than one year17 | €126,757 | €110,118 | €93,279 | €77,229 | €60,229 | ▼ 22.0% |
| Financial debts170/4 | - | €110,118 | €93,279 | €77,229 | €60,229 | ▼ 22.0% |
| Amounts payable within one year42/48 | €38,502 | €32,253 | €31,926 | €46,409 | €34,122 | ▼ 26.5% |
| Current portion of amounts payable after more than one year42 | - | €16,639 | €16,839 | €16,531 | €17,000 | ▲ 2.8% |
| Financial debts43 | - | - | - | €0 | €0 | ▼ 100% |
| Credit institutions430/8 | - | - | - | €0 | €0 | ▼ 100% |
| Trade debts44 | €2,074 | €974 | €3,372 | €7,575 | €4,133 | ▼ 45.4% |
| Suppliers440/4 | - | €974 | €3,372 | €7,575 | €4,133 | ▼ 45.4% |
| Taxes, remuneration and social security45 | - | €14,640 | €11,715 | €22,302 | €12,989 | ▼ 41.8% |
| Taxes450/3 | - | €14,640 | €11,715 | €22,302 | €12,989 | ▼ 41.8% |
| Remuneration and social security454/9 | - | €0 | - | - | - | - |
| Other amounts payable47/48 | - | €0 | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €72,791 | €72,644 | €69,267 | €78,486 | €71,218 | ▼ 9.3% |
| + Depreciation and write-downs630 | €8,096 | €8,276 | €8,595 | €9,407 | €14,829 | ▲ 57.6% |
| Operating cash flow (approximation) | €80,887 | €80,920 | €77,862 | €87,893 | €86,046 | ▼ 2.1% |
| Investment in fixed assets (approximation) | - | -€1,669 | €0 | -€5,635 | -€27,900 | ▼ 395% |
| Change in cash | - | €11,975 | -€100,822 | €45,940 | -€35,495 | ▼ 177% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
12-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
27-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Highest result since 2018net €78,486 ▲13.3%
Net result €78,486, the highest in the series.
17-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
19-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
14-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Back to profitnet €72,791
Net result €72,791 after one loss-making year.
30-09
Financial
Equity above €200,000Eq €233,653 ▲45.3%
Equity rises from €160,862 to €233,653.
18-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Weakest financial yearnet -€44,462
Net result drops to -€44,462, the lowest in the series; recovery starts the following year.
26-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
01-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 62 days late
2018
18-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
20-04
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.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
5 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 2005
Ground area
80 m²
Building footprint
79 m²
Volume, LiDAR
1,085 m³
Parcel 44806F0554/00T002, Flanders · tallest building 15.8 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
CROSSOVER
since 20052.149.223.753
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44806F0554/00T002 | Flanders | 80 m² | 1 · 79 m² | 15.8 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
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 82,641 companies in sector 70200 we hold annual accounts for 52,636. 37,090 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded14-09-2005
Fiscal year end30-09
Activities, NACEBEL 2025
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0876230494
Also
9925:BE0876230494
Registered
05-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.