N R
ActiveN R has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €172k and a net result of €49k. Equity is growing by ~63.8% per year across the filed fiscal years. Its solvency ranks better than 51% of 15368 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2024
85
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability90▼-8
Solvency85▲+12
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €14k at 30 days acceptable
Liquidity tight (current ratio 1.15 against 0.7 in 2023; short-term debt: 39.9% and cash: 35.7% of total assets), and 39.9% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 25-08-2025, 25 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 · 5 filingsDeviation from the deadline
2025
not confirmed
2024
25 d late
2023
30 d late
2022
25 d late
2021
4 d late
2020
31 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€172k▲ 38.4%
2023 · €124k
2020: €25k
2021: €44k
2022: €63k
2023: €124k
2020 → 2024
Total assets
€286k▲ 9.5%
2023 · €261k
2020: €45k
2021: €66k
2022: €78k
2023: €261k
2020 → 2024
Net result
€49k▼ 21.8%
2023 · €62k
2020: €23k
2021: €19k
2022: €19k
2023: €62k
2020 → 2024
Working capital
€17k
2023 · €-41k
2020: €21k
2021: €40k
2022: €63k
2023: €-41k
2020 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€25k-€44k▲ 75.6%€63k▲ 44.4%€124k▲ 97.6%€172k▲ 38.4%
Operating result€30k-€25k▼ 16.9%€25k▲ 2.8%€78k▲ 208%€62k▼ 19.8%
Net result€23k-€19k▼ 17.7%€19k▲ 3.0%€62k▲ 222%€49k▼ 21.8%
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 2024; 2024 is 20% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €286k
Fixed assets
€155k▼ 5.8%
Current assets
€131k▲ 35.8%
Equity and liabilities €286k
Equity
€172k▲ 38.4%
Debt
€114k▼ 16.7%
The debt ratio falls from 52.5% to 39.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€72k▼
2023 · €79k
Cash flow
€58k▼
2023 · €63k
Solvency
60.1%▲
2023 · 47.5%
Current ratio
1.15▲
2023 · 0.70
Quick ratio
1.15▲
2023 · 0.70
Debt / equity
0.66▼
2023 · 1.10
ROE
28.3%▼
2023 · 50.0%
ROA
17.0%▼
2023 · 23.8%
Interest coverage
812.77▼
2023 · 846.45
Debt
€114k▼
2023 · €137k
Debt ≤ 1 year
€114k▼
2023 · €137k
Income taxes
€14k▼
2023 · €16k
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€261k€286k▲
Fixed assets21/28€165k€155k▼
Tangible fixed assets22/27€47k€37k▼
Furniture and vehicles24€47k€37k▼
Financial fixed assets28€118k€118k=
Current assets29/58€96k€131k▲
Amounts receivable within one year40/41€18k€29k▲
Trade receivables40€17k€22k▲
Other amounts receivable41€698€7k▲
Cash at bank and in hand54/58€76k€102k▲
Deferred charges and accrued income490/1€3k-
Equity and liabilities
Total equity and liabilities10/49€261k€286k▲
Equity10/15€124k€172k▲
Contributions10/11€2k€2k=
Profit (loss) carried forward14€122k€170k▲
Amounts payable17/49€137k€114k▼
Amounts payable within one year42/48€137k€114k▼
Trade debts44€1k€3k▲
Suppliers440/4€1k€3k▲
Taxes, remuneration and social security45€15k€16k▲
Taxes450/3€15k€16k▲
Other amounts payable47/48€121k€95k▼
Accrued charges and deferred income492/3-€135
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€838€10k▲
Other operating charges640/8€834€914▲
Gross operating margin9900€80k€73k▼
Operating profit (loss)9901€78k€62k▼
Financial income75/76B€137€414▲
Recurring financial income75€137€414▲
Financial charges65/66B€93€89▼
Recurring financial charges65€93€89▼
Profit (loss) for the period before taxes9903€78k€63k▼
Income taxes67/77€16k€14k▼
Profit (loss) for the period9904€62k€49k▼
Profit (loss) for the period to be appropriated9905€62k€49k▼
Appropriation of the result
Profit (loss) to be appropriated9906€123k€171k▲
Profit (loss) brought forward from the previous period14P€61k€122k▲
Profit to be distributed694/7€800€859▲
Return on contributions (dividend)694€800€859▲
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
31-12
Financial
Equity above €150kEq €172k ▲38.4%
5 profitable years in a row build equity to €172k.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Highest result since 2020net €62k ▲222%
Operating result €78k, net result €62k, both a record.
31-12
Financial
Equity above €100kEq €124k ▲97.6%
4 profitable years in a row build equity to €124k.
25-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
2022
04-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 4 days late
2021
31-12
Financial
Weakest financial yearnet €19k ▼17.7%
Net result drops to €19k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Amay · 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.
Chaussée de Tongres(AMA) 914540 AmayGround area
1,433 m²
Building footprint
133 m²
Volume, LiDAR
1,232 m³
2 parcels, Wallonia · tallest building 11.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
N R
since 20192.294.691.386
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61003A0728/00M000 | Wallonia | 891 m² | 1 · 56 m² | 11.5 m · 3 fl. |
| 55032A0129/00T002 | Wallonia | 542 m² | 1 · 77 m² | 10.3 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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CAPE CONSULTING
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Of 945 companies in sector 69203 we hold annual accounts for 660. 538 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-10-2019
Fiscal year end31-12
Activities, NACEBEL
69203Activities of company auditors
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.