Growth Collective
ActiveSummary
Growth Collective has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €12k and a net result of €9k. Its solvency ranks better than 32% of 37956 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2024
73
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability100
Solvency61
Growth-
Track record67
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity ample (current ratio 3.24; short-term debt: 30.8% and cash: 6.5% of total assets), but 63.8% 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+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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established 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 2024Solvency, return and age of the figures
Solvency
36.2%
Return on assets
27.2%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 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 · 1 filingDeviation from the deadline
2024
29 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€12k
Total assets
€33k
Net result
€9k
Working capital
€23k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €33k
Fixed assets
€75
Current assets
€33k
Equity and liabilities €33k
Equity
€12k
Debt
€21k
Debt finances 63.8% of the balance-sheet total.
Key figures and ratios
Current ratio
3.24
Debt to equity
1.76
ROE
75.2%
ROA
27.2%
Debt ≤ 1 year
€10k
Debt > 1 year
€11k
Income taxes
€3k
Staff costs
€7k
Filed annual accounts As filed with the NBB · 2024 · 37 lines
Balance sheet
Code2024
Assets
Total assets20/58€33k
Fixed assets21/28€75
Financial fixed assets28€75
Current assets29/58€33k
Amounts receivable within one year40/41€28k
Trade receivables40€22k
Other amounts receivable41€6k
Cash at bank and in hand54/58€2k
Deferred charges and accrued income490/1€3k
Equity and liabilities
Total equity and liabilities10/49€33k
Equity10/15€12k
Contributions10/11€3k
Profit (loss) carried forward14€9k
Amounts payable17/49€21k
Amounts payable after more than one year17€11k
Financial debts170/4€11k
Amounts payable within one year42/48€10k
Current portion of amounts payable after more than one year42€5k
Financial debts43€190
Credit institutions430/8€190
Trade debts44€1k
Suppliers440/4€1k
Taxes, remuneration and social security45€4k
Taxes450/3€4k
Income statement
Code2024
Remuneration, social security and pensions62€7k
Other operating charges640/8€520
Gross operating margin9900€20k
Operating profit (loss)9901€13k
Financial income75/76B€190
Recurring financial income75€190
Financial charges65/66B€735
Recurring financial charges65€735
Profit (loss) for the period before taxes9903€13k
Income taxes67/77€3k
Profit (loss) for the period9904€9k
Profit (loss) for the period to be appropriated9905€9k
Appropriation of the result
Profit (loss) to be appropriated9906€9k
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
NBB filing
Directors · office · real estate
Directors
1 act for this company is 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 2023
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.
Henri Van Daelestraat 179050 GentGround area
215 m²
Building footprint
91 m²
Volume, LiDAR
573 m³
Parcel 44363B0515/00K000, Flanders · tallest building 10.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Growth Collective
since 20232.351.249.217
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44363B0515/00K000 | Flanders | 215 m² | 1 · 91 m² | 10.8 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.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 1,260 EUR awarded · 1,260 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 1,260 EUR | 1,260 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 25,055 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-10-2023
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
31009Manufacture of furniture
62200Computer consultancy and computer facilities management
73110Advertising agencies
74111Design of textile patterns, clothing, jewellery, furniture and decorative items
90201Performing arts by independent artists
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.