HR Values
ActiveHR Values has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €235k and a net result of €59k. Equity is growing by ~5.4% per year across the filed fiscal years. Its solvency ranks better than 87% of 30893 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
100
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €24k at 30 days acceptable
Liquidity ample (current ratio 8.34 against 8.72 in 2024), and 10.6% 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
89.4%
Return on assets
22.3%
Age of the figures
8 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 27-05-2026, 65 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
65 d early
2024
76 d early
2023
93 d early
2022
31 d early
2021
96 d early
2020
82 d early
2019
31 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
05-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€235k▲ 11.9%
2024 · €210k
2021: €185k
2022: €230k
2023: €208k
2024: €210k
2021 → 2025
Total assets
€263k▲ 13.2%
2024 · €233k
2021: €243k
2022: €275k
2023: €228k
2024: €233k
2021 → 2025
Net result
€59k▲ 17.3%
2024 · €50k
2021: €41k
2022: €47k
2023: €41k
2024: €50k
2021 → 2025
Working capital
€202k▲ 18.1%
2024 · €171k
2021: €146k
2022: €173k
2023: €163k
2024: €171k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€185k-€230k▲ 24.8%€208k▼ 9.5%€210k▲ 0.9%€235k▲ 11.9%
Operating result€59k-€62k▲ 4.7%€60k▼ 2.9%€74k▲ 23.1%€85k▲ 15.2%
Net result€41k-€47k▲ 14.8%€41k▼ 11.2%€50k▲ 21.5%€59k▲ 17.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 15% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €263k
Fixed assets
€34k▼ 14.4%
Current assets
€230k▲ 18.8%
Equity and liabilities €263k
Equity
€235k▲ 11.9%
Debt
€28k▲ 25.7%
The debt ratio rises from 9.5% to 10.6%: debt grows faster than equity.
Key figures and ratios
EBITDA
€92k▲
2024 · €80k
Cash flow
€66k▲
2024 · €57k
Solvency
89.4%▼
2024 · 90.5%
Current ratio
8.34▼
2024 · 8.72
Quick ratio
8.34▼
2024 · 8.72
Debt / equity
0.12▲
2024 · 0.11
ROE
25.0%▲
2024 · 23.8%
ROA
22.3%▲
2024 · 21.6%
Interest coverage
35.82▲
2024 · 15.10
Debt
€28k▲
2024 · €22k
Debt ≤ 1 year
€28k▲
2024 · €22k
Income taxes
€24k▲
2024 · €20k
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
Total assets
20/58€233k€263k▲
Fixed assets
21/28€39k€34k▼
Intangible fixed assets
21€169€109▼
Tangible fixed assets
22/27€39k€34k▼
Current assets
29/58€193k€230k▲
Amounts receivable within one year
40/41€16k€17k▲
Investments
50/53€100k€102k▲
Cash & bank
54/58€78k€109k▲
Total equity & liabilities
10/49€233k€263k▲
Equity
10/15€210k€235k▲
Contributions / capital
10/11€6k€6k=
Reserves
13€204k€229k▲
Accumulated profits (losses)
14€0€0=
Amounts payable
17/49€22k€28k▲
Amounts payable within one year
42/48€22k€28k▲
Trade debts payable within one year
44€2k€2k▲
Income statement
Code20242025
Gross operating margin
9900€81k€92k▲
Operating result
9901€74k€85k▲
Financial income
75€2k€0▼
Financial charges
65€5k€3k▼
Result before taxes
9903€70k€82k▲
Income taxes
67/77€20k€24k▲
Net result for the period
9904€50k€59k▲
Result to be appropriated
9905€50k€59k▲
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
27-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2021net €59k ▲17.3%
Operating result €85k, net result €59k, both a record.
16-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €200kEq €230k ▲24.8%
2 profitable years in a row build equity to €230k.
26-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
10-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 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.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has 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 82,137 companies in sector 70200 we hold annual accounts for 51,402. 38,648 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-04-2017
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
55204Guest rooms (bed and breakfast)
55209Other holiday and short-stay accommodation
74104Other professional, scientific and technical activities
74130Interior design
86909Human health activities
86995Nutrition and dietetics services
93299Other amusement and recreation activities
96999Other personal services
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 28-07-2026. Scores and ratios are computed by Checked and are not a credit decision.