FAQ.BE
ActiveFAQ.BE has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €330k and a net result of €39k. Equity is growing by ~13% per year across the filed fiscal years. Its solvency ranks better than 62% of 20785 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2024
89
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability79▲+32
Solvency97▲+4
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 7.17 against 10.19 in 2023; short-term debt: 9.1% and cash: 28% of total assets), and 27.9% of the assets are financed with debt.
Credit advice for your own amount and term
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 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
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 30-07-2025, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
1 d early
2023
14 d early
2022
52 d early
2021
3 d early
2020
2 d early
2019
on the day
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€330k▲ 13.3%
2023 · €291k
2018: €184k
2019: €176k
2020: €186k
2021: €228k
2022: €266k
2023: €291k
2018 → 2024
Total assets
€457k▲ 6.6%
2023 · €429k
2018: €473k
2019: €443k
2020: €428k
2021: €420k
2022: €432k
2023: €429k
2018 → 2024
Net result
€39k▲ 515%
2023 · €6k
2018: €18k
2019: €-9k
2020: €11k
2021: €42k
2022: €38k
2023: €6k
2018 → 2024
Working capital
€256k▲ 10.7%
2023 · €231k
2018: €103k
2019: €92k
2020: €146k
2021: €163k
2022: €203k
2023: €231k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€186k-€228k▲ 22.4%€266k▲ 16.6%€291k▲ 9.4%€330k▲ 13.3%
Operating result€53k-€49k▼ 7.4%€52k▲ 6.3%€16k▼ 70.2%€51k▲ 230%
Net result€11k-€42k▲ 281%€38k▼ 9.5%€6k▼ 83.4%€39k▲ 515%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 230% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €457k
Fixed assets
€160k▼ 7.4%
Current assets
€297k▲ 16.1%
Equity and liabilities €457k
Equity
€330k▲ 13.3%
Debt
€128k▼ 7.6%
The debt ratio falls from 32.2% to 27.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€64k▲
2023 · €31k
Cash flow
€51k▲
2023 · €22k
Solvency
72.1%▲
2023 · 67.8%
Current ratio
7.17▼
2023 · 10.19
Quick ratio
7.17▼
2023 · 10.19
Debt / equity
0.39▼
2023 · 0.47
ROE
11.8%▲
2023 · 2.2%
ROA
8.5%▲
2023 · 1.5%
Interest coverage
11.33▲
2023 · 3.17
Debt
€128k▼
2023 · €138k
Debt ≤ 1 year
€41k▲
2023 · €25k
Debt > 1 year
€84k▼
2023 · €102k
Income taxes
€11k▲
2023 · €3k
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
Assets
Total assets20/58€429k€457k▲
Fixed assets21/28€173k€160k▼
Tangible fixed assets22/27€173k€160k▼
Land and buildings22€144k€133k▼
Plant, machinery and equipment23€0-
Furniture and vehicles24€835€429▼
Other tangible fixed assets26€28k€26k▼
Financial fixed assets28€620€620=
Current assets29/58€256k€297k▲
Amounts receivable after more than one year29€107k€107k=
Trade receivables290€0-
Other amounts receivable291€107k€107k=
Amounts receivable within one year40/41€54k€57k▲
Trade receivables40€11k€48k▲
Other amounts receivable41€43k€9k▼
Current investments50/53€0-
Cash at bank and in hand54/58€90k€128k▲
Deferred charges and accrued income490/1€5k€5k▼
Equity and liabilities
Total equity and liabilities10/49€429k€457k▲
Equity10/15€291k€330k▲
Contributions10/11€37k€37k=
Reserves13€254k€293k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€18k€18k=
Distributable reserves133€234k€272k▲
Amounts payable17/49€138k€128k▼
Amounts payable after more than one year17€102k€84k▼
Financial debts170/4€102k€84k▼
Amounts payable within one year42/48€25k€41k▲
Current portion of amounts payable after more than one year42€18k€19k▲
Financial debts43€274€549▲
Credit institutions430/8€274€549▲
Trade debts44€4k€19k▲
Suppliers440/4€4k€19k▲
Taxes, remuneration and social security45€3k€3k▲
Taxes450/3€3k€3k▲
Accrued charges and deferred income492/3€11k€3k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€12k▼
Other operating charges640/8€4k€3k▼
Non-recurring operating charges66A€16k€27k▲
Gross operating margin9900€51k€93k▲
Operating profit (loss)9901€16k€51k▲
Financial income75/76B€4k€4k▲
Recurring financial income75€4k€4k▲
Financial charges65/66B€10k€6k▼
Recurring financial charges65€10k€6k▼
Profit (loss) for the period before taxes9903€10k€50k▲
Income taxes67/77€3k€11k▲
Profit (loss) for the period9904€6k€39k▲
Profit (loss) for the period to be appropriated9905€6k€39k▲
Appropriation of the result
Profit (loss) to be appropriated9906€6k€39k▲
Transfer to equity691/2€6k€39k▲
To other reserves6921€6k€39k▲
The notes to these accounts (16 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
17-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
09-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Highest result since 2018net €42k ▲281%
Net result €42k, the highest in the series.
30-09
Financial
Equity above €200kEq €228k ▲22.4%
2 profitable years in a row build equity to €228k.
28-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Weakest financial yearnet €-9k ▼148%
Net result drops to €-9k, the lowest in the series; recovery starts the following year.
04-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 4 days late
2018
27-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
04-03
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
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Directors · office · real estate
Directors
3 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, Duffel · 1 establishment unit since 2004
Ground area
663 m²
Building footprint
172 m²
Volume, LiDAR
1,078 m³
Parcel 12009E0395/02C004, Flanders · tallest building 9.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
FAQ.BE
since 20042.136.885.749
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12009E0395/02C004 | Flanders | 663 m² | 1 · 172 m² | 9.5 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.
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DUJ@RDIN
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DEVCONCEPT
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Of 30,000 companies in sector 62200 we hold annual accounts for 18,394. 13,460 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-04-2004
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
72100
86909Human health activities
86995Nutrition and dietetics services
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.