LTV Management
ActiveLTV Management has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €179k and a net result of €65k. Equity is growing by ~13.8% per year across the filed fiscal years. Its solvency ranks better than 77% of 7697 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
90
/ 100
Excellent▼ -10 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
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity ample (current ratio 4.18 against 3.5 in 2024), and 21.2% 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+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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
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
78.8%
Return on assets
28.8%
Age of the figures
9 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 03-07-2026, 28 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
28 d early
2024
34 d early
2023
31 d early
2022
28 d early
2021
37 d early
2020
33 d early
2019
35 d early
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€179k▼ 16.2%
2024 · €213k
2019: €50k
2020: €115k
2021: €261k
2022: €93k
2023: €156k
2024: €213k
2019 → 2025
Total assets
€227k▼ 20.5%
2024 · €285k
2019: €123k
2020: €188k
2021: €354k
2022: €405k
2023: €238k
2024: €285k
2019 → 2025
Net result
€65k▼ 29.9%
2024 · €93k
2019: €31k
2020: €65k
2021: €147k
2022: €62k
2023: €62k
2024: €93k
2019 → 2025
Working capital
€153k▼ 9.3%
2024 · €169k
2019: €40k
2020: €100k
2021: €246k
2022: €46k
2023: €105k
2024: €169k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€261k-€93k▼ 64.4%€156k▲ 66.9%€213k▲ 37.2%€179k▼ 16.2%
Operating result€191k-€86k▼ 54.9%€82k▼ 4.0%€126k▲ 52.5%€86k▼ 31.5%
Net result€147k-€62k▼ 57.9%€62k▲ 1.0%€93k▲ 49.4%€65k▼ 29.9%
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 32% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €227k
Fixed assets
€26k▼ 47.4%
Current assets
€201k▼ 14.9%
Equity and liabilities €227k
Equity
€179k▼ 16.2%
Debt
€48k▼ 33.0%
The debt ratio falls from 25.2% to 21.2%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€109k▼
2024 · €150k
Cash flow
€89k▼
2024 · €117k
Solvency
78.8%▲
2024 · 74.8%
Current ratio
4.18▲
2024 · 3.50
Quick ratio
4.18▲
2024 · 3.50
Debt / equity
0.27▼
2024 · 0.34
ROE
36.5%▼
2024 · 43.7%
ROA
28.8%▼
2024 · 32.7%
Interest coverage
98.16▼
2024 · 411.07
Debt
€48k▼
2024 · €72k
Debt ≤ 1 year
€48k▼
2024 · €67k
Income taxes
€25k▼
2024 · €36k
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€285k€227k▼
Fixed assets21/28€49k€26k▼
Tangible fixed assets22/27€49k€26k▼
Furniture and vehicles24€5k€4k▼
Leasing and similar rights25€44k€22k▼
Current assets29/58€236k€201k▼
Amounts receivable after more than one year29€190k€140k▼
Other amounts receivable291€190k€140k▼
Amounts receivable within one year40/41€19k€11k▼
Trade receivables40€19k-
Other amounts receivable41€625€11k▲
Cash at bank and in hand54/58€27k€48k▲
Deferred charges and accrued income490/1-€2k
Equity and liabilities
Total equity and liabilities10/49€285k€227k▼
Equity10/15€213k€179k▼
Contributions10/11€19k€19k=
Reserves13€195k€160k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€193k€158k▼
Amounts payable17/49€72k€48k▼
Amounts payable after more than one year17€4k-
Financial debts170/4€4k-
Amounts payable within one year42/48€67k€48k▼
Current portion of amounts payable after more than one year42€19k€4k▼
Trade debts44€1k€189▼
Suppliers440/4€1k€189▼
Taxes, remuneration and social security45€48k€43k▼
Taxes450/3€45k€43k▼
Remuneration and social security454/9€3k-
Other amounts payable47/48€70€77▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€24k€23k▼
Other operating charges640/8€6k€6k▼
Gross operating margin9900€156k€115k▼
Operating profit (loss)9901€126k€86k▼
Financial income75/76B€3k€5k▲
Recurring financial income75€3k€5k▲
Financial charges65/66B€364€1k▲
Recurring financial charges65€364€1k▲
Profit (loss) for the period before taxes9903€129k€90k▼
Income taxes67/77€36k€25k▼
Profit (loss) for the period9904€93k€65k▼
Profit (loss) for the period to be appropriated9905€93k€65k▼
Appropriation of the result
Profit (loss) to be appropriated9906€93k€65k▼
Transfer from equity791/2€35k€100k▲
Transfer to equity691/2€93k€65k▼
To other reserves6921€93k€65k▼
Profit to be distributed694/7€35k€100k▲
Return on contributions (dividend)694€35k€100k▲
The notes to these accounts (4 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
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €200kEq €213k ▲37.2%
6 profitable years in a row build equity to €213k.
30-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity doublescurrent ratio 2.77
Current ratio from 1.17 to 2.77; short-term debt falls from €271k to €59k.
31-12
Financial
Equity above €150kEq €156k ▲66.9%
5 profitable years in a row build equity to €156k.
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2019net €147k ▲126%
Operating result €191k, net result €147k, both a record.
31-12
Financial
Equity above €200kEq €261k ▲128%
3 profitable years in a row build equity to €261k.
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €100kEq €115k ▲131%
2 profitable years in a row build equity to €115k.
26-06
NBB filing
Annual accounts filed
fiscal year 2019 · 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, Hoogstraten · 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.
Chaamseweg 38A2328 HoogstratenGround area
1,452 m²
Building footprint
140 m²
Volume, LiDAR
1,063 m³
Parcel 13022A0232/00P000, Flanders · tallest building 10.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
LTV Management
since 20192.286.754.214
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13022A0232/00P000 | Flanders | 1,452 m² | 1 · 140 m² | 10.0 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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Of 24,419 companies in sector 82990 we hold annual accounts for 9,361. 7,011 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded14-03-2019
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
64200Holdings
64210Activities of holding companies
68110Buying and selling of own real estate
82100Office administrative and support services
82110Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.