Option B
ActiveOption B has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.43M and a net result of €90k. Equity is growing by ~20.9% per year across the filed fiscal years. Its solvency ranks better than 48% of 4504 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability32▲+10
Solvency46▲+8
Growth52=
Stability100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €80k at 30 days acceptable
Liquidity short (current ratio 0.19 against 0.29 in 2024), and 63.6% 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
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
36.4%
Return on assets
2.3%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 25-11-2025, 67 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
67 d early
2024
11 d early
2023
15 d early
2022
42 d early
2021
18 d early
2020
17 d early
2019
32 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close15-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€90k▲ 52.5%
2024 · €59k
2020: €279k
2021: €258k
2022: €232k
2023: €377k
2024: €59k
2020 → 2025
Working capital
€-991k▼ 5.7%
2024 · €-937k
2020: €-764k
2021: €-878k
2022: €-999k
2023: €-810k
2024: €-937k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€658k-€890k▲ 35.3%€1.28M▲ 43.7%€1.34M▲ 4.6%€1.43M▲ 6.8%
Operating result€454k-€404k▼ 11.0%€628k▲ 55.6%€187k▼ 70.3%€214k▲ 14.6%
Net result€258k-€232k▼ 9.8%€377k▲ 62.2%€59k▼ 84.3%€90k▲ 52.5%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 15% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.93M
Fixed assets
€3.69M▼ 5.7%
Current assets
€238k▼ 38.1%
Equity and liabilities €3.93M
Equity
€1.43M▲ 6.8%
Debt
€2.50M▼ 15.6%
The debt ratio falls from 68.8% to 63.6%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€445k▲
2024 · €414k
Cash flow
€321k▲
2024 · €286k
Solvency
36.4%▲
2024 · 31.2%
Current ratio
0.19▼
2024 · 0.29
Quick ratio
0.19▼
2024 · 0.29
Debt / equity
1.75▼
2024 · 2.21
ROE
6.3%▲
2024 · 4.4%
ROA
2.3%▲
2024 · 1.4%
Interest coverage
5.20▲
2024 · 4.19
Debt
€2.50M▼
2024 · €2.96M
Debt ≤ 1 year
€1.23M▼
2024 · €1.32M
Debt > 1 year
€1.27M▼
2024 · €1.64M
Income taxes
€43k▲
2024 · €29k
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€4.30M€3.93M▼
Fixed assets21/28€3.91M€3.69M▼
Tangible fixed assets22/27€3.85M€3.63M▼
Land and buildings22€3.15M€3.06M▼
Plant, machinery and equipment23€657k€547k▼
Furniture and vehicles24€44k€22k▼
Other tangible fixed assets26€1k€1k=
Financial fixed assets28€60k€60k=
Current assets29/58€384k€238k▼
Amounts receivable within one year40/41€125k€88k▼
Trade receivables40€53k€27k▼
Other amounts receivable41€72k€61k▼
Current investments50/53€150k-
Cash at bank and in hand54/58€94k€135k▲
Deferred charges and accrued income490/1€15k€14k▼
Equity and liabilities
Total equity and liabilities10/49€4.30M€3.93M▼
Equity10/15€1.34M€1.43M▲
Contributions10/11€26k€26k=
Reserves13€10k€10k=
Tax-exempt reserves132€483€483=
Distributable reserves133€9k€9k=
Profit (loss) carried forward14€1.30M€1.39M▲
Amounts payable17/49€2.96M€2.50M▼
Amounts payable after more than one year17€1.64M€1.27M▼
Financial debts170/4€1.64M€1.27M▼
Amounts payable within one year42/48€1.32M€1.23M▼
Current portion of amounts payable after more than one year42€382k€368k▼
Trade debts44€50k€19k▼
Suppliers440/4€50k€19k▼
Advances received on contracts in progress46-€427
Taxes, remuneration and social security45€24k€5k▼
Taxes450/3€24k€5k▼
Other amounts payable47/48€865k€835k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€227k€231k▲
Other operating charges640/8€138k€87k▼
Gross operating margin9900€552k€532k▼
Operating profit (loss)9901€187k€214k▲
Financial income75/76B€18€5k▲
Recurring financial income75€18€5k▲
Financial charges65/66B€99k€86k▼
Recurring financial charges65€99k€86k▼
Profit (loss) for the period before taxes9903€88k€133k▲
Income taxes67/77€29k€43k▲
Profit (loss) for the period9904€59k€90k▲
Profit (loss) for the period to be appropriated9905€59k€90k▲
Appropriation of the result
Profit (loss) to be appropriated9906€1.30M€1.39M▲
Profit (loss) brought forward from the previous period14P€1.24M€1.30M▲
The notes to these accounts (10 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
2025
25-11
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
20-01
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
30-06
Financial
Weakest financial yearnet €59k ▼84.3%
Net result drops to €59k, the lowest in the series; recovery starts the following year.
16-01
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
30-06
Financial
Highest result since 2020net €377k ▲62.2%
Operating result €628k, net result €377k, both a record.
30-06
Financial
Equity above €1MEq €1.28M ▲43.7%
4 profitable years in a row build equity to €1.28M.
2022
20-12
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
13-01
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
30-06
Financial
Equity above €500kEq €658k ▲64.3%
2 profitable years in a row build equity to €658k.
14-01
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
03-03
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 32 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Schaarbeek · 1 establishment unit since 2018
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.
Heliotropenlaan 111030 SchaarbeekGround area
837 m²
Building footprint
129 m²
Volume, LiDAR
1,271 m³
Parcel 21903B0305/00R002, Brussels · tallest building 13.0 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Heliotropenlaan 11, 1030 Schaarbeek
since 20182.272.042.480
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21903B0305/00R002 | Brussels | 837 m² | 1 · 129 m² | 13.0 m · 4 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.
Similar companies · same sector, comparable size
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GENERATION 2000
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MEDIPACK IMMO
BE 1002.911.803
Wortegem-Petegem · Eq €1.43M
Of 11,974 companies in sector 68203 we hold annual accounts for 5,947. 3,870 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-12-2017
Fiscal year end30-06
Activities, NACEBEL
68203Renting and operating of own or leased non-residential real estate, excluding land
68121Development of residential building projects
68122Development of non-residential building projects
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.