KB
ActiveKB has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €441k and a net result of €37k. Equity is growing by ~17.7% per year across the filed fiscal years. Its solvency ranks better than 94% of 14056 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
80
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability79▼-4
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 28.59 against 9.22 in 2024; short-term debt: 3.3% and cash: 0.1% of total assets), and 5.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 68
Relative position
BE, all sectors
reference
Sector 68
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
94.3%
Return on assets
7.8%
Age of the figures
9 mo
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
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
1 d early
2023
7 d early
2022
3 d early
2021
30 d late
2020
62 d late
2019
89 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€441k▲ 9.1%
2024 · €404k
2018: €80k
2019: €155k
2020: €184k
2021: €268k
2022: €304k
2023: €353k
2024: €404k
2018 → 2025
Total assets
€467k▲ 3.9%
2024 · €450k
2018: €241k
2019: €195k
2020: €209k
2021: €293k
2022: €333k
2023: €395k
2024: €450k
2018 → 2025
Net result
€37k▼ 28.8%
2024 · €52k
2018: €13k
2019: €75k
2020: €75k
2021: €84k
2022: €87k
2023: €119k
2024: €52k
2018 → 2025
Working capital
€430k▲ 14.5%
2024 · €375k
2018: €35k
2019: €114k
2020: €131k
2021: €233k
2022: €268k
2023: €323k
2024: €375k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€268k-€304k▲ 13.7%€353k▲ 15.9%€404k▲ 14.6%€441k▲ 9.1%
Operating result€99k-€111k▲ 12.9%€155k▲ 38.8%€61k▼ 60.7%€42k▼ 31.2%
Net result€84k-€87k▲ 3.6%€119k▲ 37.5%€52k▼ 56.8%€37k▼ 28.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 31% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €467k
Fixed assets
€22k▼ 23.4%
Current assets
€445k▲ 5.8%
Equity and liabilities €467k
Equity
€441k▲ 9.1%
Debt
€26k▼ 42.0%
The debt ratio falls from 10.1% to 5.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€51k▼
2024 · €69k
Cash flow
€46k▼
2024 · €60k
Solvency
94.3%▲
2024 · 89.9%
Current ratio
28.59▲
2024 · 9.22
Quick ratio
28.59▲
2024 · 9.22
Debt / equity
0.06▼
2024 · 0.11
ROE
8.3%▼
2024 · 12.7%
ROA
7.8%▼
2024 · 11.4%
Interest coverage
53.91▼
2024 · 185.94
Debt
€26k▼
2024 · €46k
Debt ≤ 1 year
€16k▼
2024 · €46k
Income taxes
€16k▼
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
Assets
Total assets20/58€450k€467k▲
Fixed assets21/28€29k€22k▼
Tangible fixed assets22/27€29k€22k▼
Furniture and vehicles24€10k€10k▼
Other tangible fixed assets26€19k€13k▼
Current assets29/58€421k€445k▲
Amounts receivable after more than one year29€397k€434k▲
Other amounts receivable291€397k€434k▲
Amounts receivable within one year40/41€10k€11k▲
Trade receivables40€10k€10k▲
Other amounts receivable41-€600
Current investments50/53€250-
Cash at bank and in hand54/58€14k€547▼
Equity and liabilities
Total equity and liabilities10/49€450k€467k▲
Equity10/15€404k€441k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€384k€421k▲
Amounts payable17/49€46k€26k▼
Amounts payable within one year42/48€46k€16k▼
Current portion of amounts payable after more than one year42€29k-
Trade debts44€9k€13k▲
Suppliers440/4€9k€13k▲
Taxes, remuneration and social security45€8k€2k▼
Taxes450/3€8k€2k▼
Accrued charges and deferred income492/3-€11k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€9k▲
Other operating charges640/8€630€1k▲
Gross operating margin9900€70k€52k▼
Operating profit (loss)9901€61k€42k▼
Financial income75/76B€11k€12k▲
Recurring financial income75€11k€12k▲
Financial charges65/66B€373€945▲
Recurring financial charges65€373€945▲
Profit (loss) for the period before taxes9903€71k€53k▼
Income taxes67/77€20k€16k▼
Profit (loss) for the period9904€52k€37k▼
Profit (loss) for the period to be appropriated9905€52k€37k▼
Appropriation of the result
Profit (loss) to be appropriated9906€384k€421k▲
Profit (loss) brought forward from the previous period14P€332k€384k▲
The notes to these accounts (6 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity triplescurrent ratio 28.59
Current ratio from 9.22 to 28.59; short-term debt falls from €46k to €16k.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €119k ▲37.5%
Operating result €155k, net result €119k, both a record.
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Liquidity doublescurrent ratio 10.05
Current ratio from 4.24 to 10.05; short-term debt falls from €41k to €26k.
31-12
Financial
Equity above €200kEq €268k ▲45.5%
4 profitable years in a row build equity to €268k.
01-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 62 days late
2020
28-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 89 days late
2019
31-12
Financial
Liquidity triplescurrent ratio 3.81
Current ratio from 1.21 to 3.81; short-term debt falls from €167k to €41k.
31-12
Financial
Equity above €150kEq €155k ▲94.6%
2 profitable years in a row build equity to €155k.
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 30 days late
2017
25-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
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, Zemst
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.
Rolfsstraat 151981 ZemstGround area
490 m²
Building footprint
123 m²
Volume, LiDAR
627 m³
Parcel 23034A0203/00L011, Flanders · tallest building 7.0 m, ±2 floors. Linked by address, not a title deed.
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23034A0203/00L011 | Flanders | 490 m² | 1 · 123 m² | 7.0 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.
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VANCA
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VAN ISEGHEM IMMO
BE 0760.364.786
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IMMO AGRAFRESH
BE 0633.621.420
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Of 7,321 companies in sector 68110 we hold annual accounts for 5,382. 3,727 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-06-2013
Fiscal year end31-12
Activities, NACEBEL
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.