INNOTESTO
ActiveINNOTESTO has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €625k and a net result of €450k. Equity is growing by ~24.7% per year across the filed fiscal years. Its solvency ranks better than 95% of 2027 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2024
100
/ 100
Excellent▲ +7 vs 2023
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100=
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €65k at 30 days acceptable
Liquidity ample (current ratio 93.2 against 107.21 in 2023), and 1.1% 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 77
Relative position
BE, all sectors
reference
Sector 77
higher
← 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
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
98.9%
Return on assets
71.2%
Age of the figures
20 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 10-10-2025, 71 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
71 d late
2023
61 d late
2022
35 d late
2021
31 d late
2020
108 d late
2019
69 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€625k▲ 256%
2023 · €176k
2018: €8k
2019: €123k
2020: €77k
2021: €169k
2022: €141k
2023: €176k
2018 → 2024
Total assets
€632k▲ 257%
2023 · €177k
2018: €402k
2019: €346k
2020: €257k
2021: €200k
2022: €146k
2023: €177k
2018 → 2024
Net result
€450k▲ 1,186%
2023 · €35k
2018: €-44k
2019: €90k
2020: €80k
2021: €92k
2022: €72k
2023: €35k
2018 → 2024
Working capital
€624k▲ 260%
2023 · €173k
2018: €-352k
2019: €-148k
2020: €-103k
2021: €79k
2022: €138k
2023: €173k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€77k-€169k▲ 119%€141k▼ 16.7%€176k▲ 24.9%€625k▲ 256%
Operating result€82k-€92k▲ 11.4%€72k▼ 21.7%€35k▼ 51.2%€447k▲ 1,175%
Net result€80k-€92k▲ 15.1%€72k▼ 21.7%€35k▼ 51.2%€450k▲ 1,186%
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 1,175% above 2023 and is the highest year so far.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €632k
Fixed assets
€2k▼ 26.6%
Current assets
€631k▲ 260%
Equity and liabilities €632k
Equity
€625k▲ 256%
Debt
€7k▲ 314%
The debt ratio rises from 0.9% to 1.1%: debt grows faster than equity.
Key figures and ratios
EBITDA
€448k▲
2023 · €36k
Cash flow
€450k▲
2023 · €36k
Solvency
98.9%▼
2023 · 99.1%
Current ratio
93.20▼
2023 · 107.21
Quick ratio
93.20▼
2023 · 107.21
Debt / equity
0.01▲
2023 · 0.01
ROE
71.9%▲
2023 · 19.9%
ROA
71.2%▲
2023 · 19.7%
Interest coverage
3523.37▲
2023 · 453.28
Debt
€7k▲
2023 · €2k
Debt ≤ 1 year
€7k▲
2023 · €2k
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€177k€632k▲
Fixed assets21/28€2k€2k▼
Intangible fixed assets21-€1
Tangible fixed assets22/27€2k€2k▼
Furniture and vehicles24€2k€2k▼
Current assets29/58€175k€631k▲
Amounts receivable within one year40/41€2k€15k▲
Trade receivables40-€13k
Other amounts receivable41€2k€2k▲
Current investments50/53-€400k
Cash at bank and in hand54/58€173k€215k▲
Equity and liabilities
Total equity and liabilities10/49€177k€632k▲
Equity10/15€176k€625k▲
Contributions10/11€30k€30k=
Reserves13€146k€595k▲
Distributable reserves133€146k€595k▲
Amounts payable17/49€2k€7k▲
Amounts payable within one year42/48€2k€7k▲
Trade debts44-€3k
Suppliers440/4-€3k
Other amounts payable47/48€2k€4k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€550€550=
Other operating charges640/8€848€1k▲
Gross operating margin9900€36k€449k▲
Operating profit (loss)9901€35k€447k▲
Financial income75/76B€0€3k▲
Recurring financial income75€0€3k▲
Financial charges65/66B€79€127▲
Recurring financial charges65€79€127▲
Profit (loss) for the period before taxes9903€35k€450k▲
Profit (loss) for the period9904€35k€450k▲
Profit (loss) for the period to be appropriated9905€35k€450k▲
Appropriation of the result
Profit (loss) to be appropriated9906€35k€450k▲
Transfer to equity691/2€35k€450k▲
To other reserves6921€35k€450k▲
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
10-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 71 days late
2024
31-12
Financial
Highest result since 2018net €450k ▲1186%
Operating result €447k, net result €450k, both a record.
31-12
Financial
Equity above €500kEq €625k ▲256%
6 profitable years in a row build equity to €625k.
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
31-12
Financial
Liquidity quadruplescurrent ratio 107.21
Current ratio from 25.33 to 107.21; short-term debt falls from €6k to €2k.
31-12
Financial
Equity above €150kEq €176k ▲24.9%
5 profitable years in a row build equity to €176k.
04-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 35 days late
2022
31-12
Financial
Liquidity times 7current ratio 25.33
Current ratio from 3.50 to 25.33; short-term debt falls from €31k to €6k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Liquidity times 8current ratio 3.50
Current ratio from 0.43 to 3.50; short-term debt falls from €180k to €31k.
31-12
Financial
Equity above €150kEq €169k ▲119%
3 profitable years in a row build equity to €169k.
16-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 108 days late
2020
08-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 69 days late
2019
31-12
Financial
Back to profitnet €90k
Net result €90k after one loss-making year.
31-12
Financial
Equity above €100kEq €123k ▲1463%
Equity rises from €8k to €123k.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 58 days late
2016
25-07
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.
Directors · office · real estate
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Of 419 companies in sector 77400 we hold annual accounts for 146. 75 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-09-2010
Fiscal year end31-12
Activities, NACEBEL
77400Rental and leasing activities
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 07-09-2026. Scores and ratios are computed by Checked and are not a credit decision.