HOWEVER
ActiveHOWEVER has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €311k and a net result of €19k. Equity is growing by ~21% per year across the filed fiscal years. Its solvency ranks better than 95% of 6974 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
85
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76▼-22
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 20.73 against 30.93 in 2024; short-term debt: 4.4% and cash: 87.2% of total assets), and 4.4% 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+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
95.6%
Return on assets
5.8%
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 25-03-2026, 36 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
36 d early
2024
49 d early
2023
56 d early
2022
47 d early
2021
5 d early
2020
30 d early
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
16-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€311k▲ 6.4%
2024 · €292k
2020: €77k
2021: €142k
2022: €223k
2023: €222k
2024: €292k
2020 → 2025
Total assets
€325k▲ 7.8%
2024 · €302k
2020: €114k
2021: €169k
2022: €242k
2023: €280k
2024: €302k
2020 → 2025
Net result
€19k▼ 73.3%
2024 · €70k
2020: €74k
2021: €65k
2022: €81k
2023: €48k
2024: €70k
2020 → 2025
Working capital
€279k▼ 2.0%
2024 · €285k
2020: €68k
2021: €137k
2022: €214k
2023: €201k
2024: €285k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€142k-€223k▲ 56.9%€222k▼ 0.7%€292k▲ 31.7%€311k▲ 6.4%
Operating result€91k-€113k▲ 24.4%€61k▼ 45.8%€91k▲ 48.7%€26k▼ 71.4%
Net result€65k-€81k▲ 23.7%€48k▼ 40.2%€70k▲ 45.0%€19k▼ 73.3%
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 71% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €325k
Fixed assets
€32k▲ 328%
Current assets
€293k▼ 0.3%
Equity and liabilities €325k
Equity
€311k▲ 6.4%
Debt
€14k▲ 48.7%
The debt ratio rises from 3.2% to 4.4%. Equity and debt are higher.
Key figures and ratios
EBITDA
€30k▼
2024 · €96k
Cash flow
€22k▼
2024 · €75k
Solvency
95.6%▼
2024 · 96.8%
Current ratio
20.73▼
2024 · 30.93
Quick ratio
20.73▼
2024 · 30.93
Debt / equity
0.05▲
2024 · 0.03
ROE
6.0%▼
2024 · 24.1%
ROA
5.8%▼
2024 · 23.3%
Interest coverage
358.40▼
2024 · 1297.37
Debt
€14k▲
2024 · €10k
Debt ≤ 1 year
€14k▲
2024 · €10k
Income taxes
€7k▼
2024 · €25k
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€302k€325k▲
Fixed assets21/28€7k€32k▲
Tangible fixed assets22/27€7k€32k▲
Furniture and vehicles24€7k€32k▲
Current assets29/58€294k€293k▼
Amounts receivable within one year40/41€43k€10k▼
Trade receivables40€34k€0▼
Other amounts receivable41€9k€10k▲
Cash at bank and in hand54/58€251k€284k▲
Deferred charges and accrued income490/1€88€0▼
Equity and liabilities
Total equity and liabilities10/49€302k€325k▲
Equity10/15€292k€311k▲
Contributions10/11€3k€3k=
Reserves13€289k€308k▲
Distributable reserves133€289k€308k▲
Profit (loss) carried forward14€0-
Amounts payable17/49€10k€14k▲
Amounts payable within one year42/48€10k€14k▲
Trade debts44€29€6k▲
Suppliers440/4€29€6k▲
Taxes, remuneration and social security45€9k€8k▼
Taxes450/3€9k€8k▼
Other amounts payable47/48€0-
Income statement
Code20242025
Non-recurring operating income76A€11k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€3k▼
Other operating charges640/8€700€449▼
Non-recurring operating charges66A€0-
Gross operating margin9900€96k€30k▼
Operating profit (loss)9901€91k€26k▼
Financial income75/76B€4k€0▼
Recurring financial income75€4k€0▼
Financial charges65/66B€74€83▲
Recurring financial charges65€74€83▲
Profit (loss) for the period before taxes9903€95k€26k▼
Income taxes67/77€25k€7k▼
Profit (loss) for the period9904€70k€19k▼
Profit (loss) for the period to be appropriated9905€70k€19k▼
Appropriation of the result
Profit (loss) to be appropriated9906€70k€19k▼
Transfer from equity791/2€0-
Transfer to equity691/2€70k€19k▼
To other reserves6921€70k€19k▼
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
The notes to these accounts (9 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
25-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Weakest financial yearnet €19k ▼73.3%
Net result drops to €19k, the lowest in the series.
12-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Liquidity times 7current ratio 30.93
Current ratio from 4.49 to 30.93; short-term debt falls from €58k to €10k.
05-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
14-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Highest result since 2020net €81k ▲23.7%
Operating result €113k, net result €81k, both a record.
30-09
Financial
Equity above €200kEq €223k ▲56.9%
3 profitable years in a row build equity to €223k.
25-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Liquidity doublescurrent ratio 6.22
Current ratio from 2.86 to 6.22; short-term debt falls from €37k to €26k.
30-09
Financial
Equity above €100kEq €142k ▲85.2%
2 profitable years in a row build equity to €142k.
31-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Hasselt · 1 establishment unit since 2019
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.
Broekbornstraat 173720 HasseltGround area
399 m²
Building footprint
111 m²
Volume, LiDAR
859 m³
Parcel 73040C0788/00K000, Flanders · tallest building 10.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
HOWEVER
since 20192.291.168.506
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73040C0788/00K000 | Flanders | 399 m² | 1 · 110 m² | 9.9 m · 3 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
2023 · 1 entry · 179 EUR awarded · 179 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 179 EUR | 179 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 13,425 companies in sector 73300 we hold annual accounts for 6,900. 4,785 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-07-2019
Fiscal year end30-09
Activities, NACEBEL
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
62010Computer programming, consultancy and related activities
62020IT consultancy
62900Other information technology and computer services
62100Computer programming
62200Computer consultancy and computer facilities management
73110Advertising agencies
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.