DISCUS
ActiveDISCUS has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €553k and a net result of €20k. Equity is growing by ~4.7% per year across the filed fiscal years. Its solvency ranks better than 87% of 873 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2024
81
/ 100
Excellent= vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability18▼-10
Solvency99▲+1
Growth52=
Stability100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days acceptable
Liquidity ample (current ratio 2.44 against 2.17 in 2023), and 37.9% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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 2024Solvency, return and age of the figures
Solvency
62.1%
Return on assets
2.2%
Age of the figures
20 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-07-2025, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
3 d early
2023
23 d early
2022
on the day
2021
4 d early
2020
3 d late
2019
20 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€20k▼ 33.6%
2023 · €30k
2022: €57k
2023: €30k
2022 → 2024
Working capital
€484k▲ 9.1%
2023 · €444k
2022: €408k
2023: €444k
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Equity€503k-€533k▲ 5.9%€553k▲ 3.7%
Operating result€79k-€46k▼ 41.7%€32k▼ 31.8%
Net result€57k-€30k▼ 47.6%€20k▼ 33.6%
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2024 is 32% below 2023 and is the lowest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €890k
Fixed assets
€69k▼ 24.6%
Current assets
€821k▼ 0.3%
Equity and liabilities €890k
Equity
€553k▲ 3.7%
Debt
€337k▼ 11.7%
The debt ratio falls from 41.7% to 37.9%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€64k▼
2023 · €79k
Cash flow
€52k▼
2023 · €62k
Solvency
62.1%▲
2023 · 58.3%
Current ratio
2.44▲
2023 · 2.17
Quick ratio
0.70▲
2023 · 0.64
Debt / equity
0.61▼
2023 · 0.72
ROE
3.6%▼
2023 · 5.6%
ROA
2.2%▼
2023 · 3.3%
Interest coverage
14.21▼
2023 · 16.60
Debt
€337k▼
2023 · €382k
Debt ≤ 1 year
€337k▼
2023 · €380k
Income taxes
€10k▼
2023 · €12k
Staff costs
€348k▲
2023 · €325k
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 · 2024 against 2023
Balance sheet
Code20232024
Total assets
20/58€915k€890k▼
Fixed assets
21/28€92k€69k▼
Tangible fixed assets
22/27€92k€69k▼
Financial fixed assets
28€40€40=
Current assets
29/58€823k€821k▼
Stocks & contracts in progress
3€579k€584k▲
Amounts receivable within one year
40/41€22k€15k▼
Cash & bank
54/58€208k€207k▼
Total equity & liabilities
10/49€915k€890k▼
Equity
10/15€533k€553k▲
Contributions / capital
10/11€6k€6k=
Reserves
13€242k€252k▲
Accumulated profits (losses)
14€285k€295k▲
Amounts payable
17/49€382k€337k▼
Amounts payable after one year
17€2k-
Amounts payable within one year
42/48€380k€337k▼
Trade debts payable within one year
44€272k€252k▼
Income statement
Code20232024
Gross operating margin
9900€409k€417k▲
Operating result
9901€46k€32k▼
Financial income
75€254€2k▲
Financial charges
65€5k€5k▼
Result before taxes
9903€42k€29k▼
Income taxes
67/77€12k€10k▼
Net result for the period
9904€30k€20k▼
Result to be appropriated
9905€30k€20k▼
Timeline · acts, filings and financial milestones
2025
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Weakest financial yearnet €20k ▼33.6%
Net result drops to €20k, the lowest in the series.
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
04-01
State Gazette act
Director changes
Bénédicte JACQUES
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
03-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 3 days late
2020
20-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 20 days late
2019
01-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 1 day late
2018
06-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 6 days late
2017
14-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 14 days late
2016
16-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 16 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 2 acts read
About the unread acts
Of the 2 Belgian State Gazette acts we know for this company, 1 has been read. The other one has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
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Of 1,314 companies in sector 47639 we hold annual accounts for 594. 401 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-09-2002
Fiscal year end31-12
Activities, NACEBEL
47639Retail sale of other sporting goods
47640Retail trade
47762Retail sale of pets, pet food and pet supplies
52496
Sources
Crossroads Bank for EnterprisesBelgian Official Gazette · 1 actNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 20-07-2026. Scores and ratios are computed by Checked and are not a credit decision.