Konsensa
ActiveKonsensa is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €84k and a net result of €20k. Equity is growing by ~9.9% per year across the filed fiscal years. Its solvency ranks better than 61% of 7950 sector peers (fiscal year 2025). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 30-01-2026, 90 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
90 d early
2024
152 d early
2023
96 d early
2022
2 d early
2021
32 d early
2020
120 d early
2019
on the day
← 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
11-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€84k▼ 37.8%
2024 · €135k
2018: €79k
2019: €113k
2020: €125k
2021: €139k
2022: €153k
2023: €190k
2024: €135k
2018 → 2025
Net result
€20k▼ 46.3%
2024 · €37k
2018: €19k
2019: €34k
2020: €12k
2021: €14k
2022: €42k
2023: €73k
2024: €37k
2018 → 2025
Total assets
€129k▼ 31.4%
2024 · €188k
2018: €268k
2019: €321k
2020: €347k
2021: €342k
2022: €158k
2023: €269k
2024: €188k
2018 → 2025
Solvency
65.0%▼ 6.7pp
2024 · 71.7%
2018: 29.5%
2019: 35.1%
2020: 36.0%
2021: 40.7%
2022: 96.7%
2023: 70.5%
2024: 71.7%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€139k-€153k▲ 9.7%€190k▲ 24.4%€135k▼ 29.1%€84k▼ 37.8%
Operating result€26k-€60k▲ 128%€97k▲ 62.1%€52k▼ 46.3%€29k▼ 44.6%
Net result€14k-€42k▲ 203%€73k▲ 73.0%€37k▼ 49.2%€20k▼ 46.3%
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 45% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €129k
Fixed assets
€43k▼ 21.5%
Current assets
€86k▼ 35.4%
Equity and liabilities €129k
Equity
€84k▼ 37.8%
Debt
€45k▼ 15.2%
The debt ratio rises from 28.3% to 35.0%: equity shrinks faster than debt is paid down.
Key figures and ratios
Solvency
65.0%▼
2024 · 71.7%
ROE
23.9%▼
2024 · 27.7%
ROA
15.5%▼
2024 · 19.8%
Debt
€45k▼
2024 · €53k
Debt ≤ 1 year
€17k▲
2024 · €13k
Debt > 1 year
€28k▼
2024 · €41k
Income taxes
€6k▼
2024 · €12k
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€188k€129k▼
Fixed assets21/28€54k€43k▼
Tangible fixed assets22/27€54k€43k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€51k€40k▼
Other tangible fixed assets26€499€0▼
Current assets29/58€134k€86k▼
Amounts receivable within one year40/41€37k€26k▼
Trade receivables40€581€14k▲
Other amounts receivable41€36k€12k▼
Cash at bank and in hand54/58€92k€58k▼
Deferred charges and accrued income490/1€5k€2k▼
Equity and liabilities
Total equity and liabilities10/49€188k€129k▼
Equity10/15€135k€84k▼
Contributions10/11€19k€19k=
Reserves13€116k€65k▼
Tax-exempt reserves132€19k€19k=
Distributable reserves133€97k€46k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€53k€45k▼
Amounts payable after more than one year17€41k€28k▼
Financial debts170/4€41k€28k▼
Amounts payable within one year42/48€13k€17k▲
Current portion of amounts payable after more than one year42€12k€13k▲
Financial debts43€0€382▲
Credit institutions430/8€0€382▲
Trade debts44€493€250▼
Suppliers440/4€493€250▼
Taxes, remuneration and social security45€222€4k▲
Taxes450/3€222€4k▲
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Non-recurring operating income76A€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€15k▲
Other operating charges640/8€2k€808▼
Gross operating margin9900€68k€45k▼
Operating profit (loss)9901€52k€29k▼
Financial income75/76B-€10
Recurring financial income75-€10
Financial charges65/66B€3k€3k▼
Recurring financial charges65€3k€3k▼
Profit (loss) for the period before taxes9903€49k€26k▼
Income taxes67/77€12k€6k▼
Profit (loss) for the period9904€37k€20k▼
Profit (loss) for the period to be appropriated9905€37k€20k▼
Appropriation of the result
Profit (loss) to be appropriated9906€37k€20k▼
Transfer from equity791/2€93k€71k▼
Transfer to equity691/2€37k€20k▼
To other reserves6921€37k€20k▼
Profit to be distributed694/7€93k€71k▼
Return on contributions (dividend)694€93k€71k▼
The notes to these accounts (7 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
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
29-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-09
Financial
Liquidity quadruplescurrent ratio 10.55
Current ratio from 2.56 to 10.55; short-term debt falls from €79k to €13k.
25-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Highest result since 2018net €73k ▲73%
Operating result €97k, net result €73k, both a record.
28-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Liquidity quadruplescurrent ratio 28.57
Current ratio from 6.98 to 28.57; short-term debt falls from €13k to €5k.
30-09
Financial
Equity above €150kEq €153k ▲9.7%
5 profitable years in a row build equity to €153k.
29-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
31-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
30-09
Financial
Weakest financial yearnet €12k ▼63%
Net result drops to €12k, the lowest in the series; recovery starts the following year.
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
Financial
Equity above €100kEq €113k ▲42.6%
2 profitable years in a row build equity to €113k.
2018
28-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
30-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-04
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Zottegem · 1 establishment unit since 2015
Ground area
590 m²
Building footprint
134 m²
Parcel 41020A0654/00E000, Flanders · tallest building 0.1 m. Linked by address, not a title deed.
1 establishment unit
TweeTact
since 20152.238.335.574
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41020A0654/00E000 | Flanders | 590 m² | 1 · 134 m² | 0.1 m |
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.
Similar companies · same sector, comparable size
Juci
BE 0797.080.870
Mortsel · Eq €84k
ORTU
BE 0760.452.581
Lievegem · Eq €84k
MAX MEDIA
BE 0645.704.353
Oudsbergen · Eq €84k
GATHOYE HOLDINGS
BE 0803.054.387
Fléron · Eq €84k
Sonora Invest
BE 0758.358.767
Lommel · Eq €84k
Of 24,639 companies in sector 64210 we hold annual accounts for 19,694. 11,856 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-01-2015
Fiscal year end30-09
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70210Activities of head offices; management consultancy activities
73110Advertising agencies
73300Public relations and communication consultancy
74103Other professional, scientific and technical activities
74120Graphic design and visual communication
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.