Grinsights
ActiveGrinsights has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €124k and a net result of €34k. Equity is growing by ~15.4% per year across the filed fiscal years. Its solvency ranks better than 88% of 31584 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
98
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+7
Solvency100▲+42
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €12k at 30 days acceptable
Liquidity ample (current ratio 10.19 against 1.3 in 2024; short-term debt: 7.5% and cash: 62.8% of total assets), and 9.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five 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
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
90.1%
Return on assets
24.9%
Age of the figures
9 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 08-07-2026, 23 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
23 d early
2024
6 d late
2023
29 d early
2022
24 d late
2021
31 d late
2019
49 d late
2018
26 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€124k▲ 38.3%
2024 · €90k
2018: €74k
2019: €113k
2021: €152k
2022: €183k
2023: €204k
2024: €90k
2018 → 2025
Total assets
€138k▼ 48.7%
2024 · €269k
2018: €151k
2019: €172k
2021: €185k
2022: €199k
2023: €229k
2024: €269k
2018 → 2025
Net result
€34k▼ 35.4%
2024 · €53k
2018: €21k
2019: €44k
2021: €34k
2022: €31k
2023: €21k
2024: €53k
2018 → 2025
Working capital
€95k▲ 80.4%
2024 · €53k
2018: €53k
2019: €102k
2021: €149k
2022: €181k
2023: €204k
2024: €53k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€152k-€183k▲ 20.8%€204k▲ 11.5%€90k▼ 56.0%€124k▲ 38.3%
Operating result€44k-€41k▼ 5.5%€28k▼ 31.1%€69k▲ 142%€45k▼ 34.2%
Net result€34k-€31k▼ 8.2%€21k▼ 33.0%€53k▲ 152%€34k▼ 35.4%
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 34% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €138k
Fixed assets
€32k▼ 19.0%
Current assets
€106k▼ 53.9%
Equity and liabilities €138k
Equity
€124k▲ 38.3%
Debt
€14k▼ 92.3%
The debt ratio falls from 66.6% to 9.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€55k▼
2024 · €75k
Cash flow
€44k▼
2024 · €60k
Solvency
90.1%▲
2024 · 33.4%
Current ratio
10.19▲
2024 · 1.30
Quick ratio
10.19▲
2024 · 1.30
Debt / equity
0.11▼
2024 · 1.99
ROE
27.7%▼
2024 · 59.2%
ROA
24.9%▲
2024 · 19.8%
Interest coverage
244.95▼
2024 · 400.06
Debt
€14k▼
2024 · €179k
Debt ≤ 1 year
€10k▼
2024 · €176k
Income taxes
€10k▼
2024 · €15k
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€269k€138k▼
Fixed assets21/28€40k€32k▼
Tangible fixed assets22/27€40k€32k▼
Land and buildings22-€869
Plant, machinery and equipment23€679€382▼
Furniture and vehicles24€39k€31k▼
Current assets29/58€229k€106k▼
Amounts receivable within one year40/41€15k€16k▲
Trade receivables40€15k€15k▲
Other amounts receivable41€0€1k▲
Cash at bank and in hand54/58€209k€87k▼
Deferred charges and accrued income490/1€5k€3k▼
Equity and liabilities
Total equity and liabilities10/49€269k€138k▼
Equity10/15€90k€124k▲
Contributions10/11€19k€19k=
Reserves13€71k€106k▲
Tax-exempt reserves132€12k€12k=
Distributable reserves133€60k€94k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€179k€14k▼
Amounts payable within one year42/48€176k€10k▼
Financial debts43€241€828▲
Credit institutions430/8€241€828▲
Trade debts44€6k€483▼
Suppliers440/4€6k€483▼
Taxes, remuneration and social security45€13k€8k▼
Taxes450/3€13k€8k▼
Other amounts payable47/48€157k€1k▼
Accrued charges and deferred income492/3€3k€3k▲
Income statement
Code20242025
Non-recurring operating income76A€13k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€10k▲
Other operating charges640/8€1k€1k▲
Gross operating margin9900€76k€56k▼
Operating profit (loss)9901€69k€45k▼
Financial income75/76B€16€5▼
Recurring financial income75€16€5▼
Financial charges65/66B€188€224▲
Recurring financial charges65€188€224▲
Profit (loss) for the period before taxes9903€68k€45k▼
Income taxes67/77€15k€10k▼
Profit (loss) for the period9904€53k€34k▼
Profit (loss) for the period to be appropriated9905€53k€34k▼
Appropriation of the result
Profit (loss) to be appropriated9906€53k€34k▼
Transfer from equity791/2€180k€0▼
Transfer to equity691/2€53k€34k▼
To other reserves6921€53k€34k▼
Profit to be distributed694/7€180k€0▼
Return on contributions (dividend)694€180k€0▼
The notes to these accounts (10 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
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity times 8current ratio 10.19
Current ratio from 1.30 to 10.19; short-term debt falls from €176k to €10k.
31-12
Financial
Equity above €100kEq €124k ▲38.3%
7 profitable years in a row build equity to €124k.
06-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 6 days late
2024
31-12
Financial
Highest result since 2018net €53k ▲152%
Operating result €69k, net result €53k, both a record.
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €21k ▼33%
Net result drops to €21k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €200kEq €204k ▲11.5%
5 profitable years in a row build equity to €204k.
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 24 days late
2022
31-12
Financial
Liquidity doublescurrent ratio 13.52
Current ratio from 5.58 to 13.52; short-term debt falls from €33k to €14k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Equity above €150kEq €152k ▲33.9%
3 profitable years in a row build equity to €152k.
2020
18-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 49 days late
2019
31-12
Financial
Equity above €100kEq €113k ▲53.1%
2 profitable years in a row build equity to €113k.
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Wetteren · 1 establishment unit since 2016
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.
Kasteeldreef 709230 WetterenGround area
811 m²
Building footprint
232 m²
Volume, LiDAR
841 m³
Parcel 42302C0243/00G004, Flanders · tallest building 7.0 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
S&T Consult
since 20162.252.879.240
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42302C0243/00G004 | Flanders | 811 m² | 1 · 232 m² | 7.0 m · 1 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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BRUGGINK CONSULTANCY
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C.F.N.B
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Of 82,554 companies in sector 70200 we hold annual accounts for 52,573. 40,842 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-05-2016
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
62020IT consultancy
62900Other information technology and computer services
62200Computer consultancy and computer facilities management
71121Engineering and related technical consultancy, excluding land surveyors
73200Market research and public opinion polling
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.