PAGE A PAGE
ActivePAGE A PAGE has been active since 1996 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €432k and a net result of €25k. Equity is growing by ~12.2% per year across the filed fiscal years. Its solvency ranks better than 67% of 4123 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
75
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73▼-2
Solvency77▲+6
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 2.27 against 2.14 in 2024; short-term debt: 18.5% and cash: 18.4% of total assets), and 47.5% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
52.5%
Return on assets
3.1%
Age of the figures
18 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 24-10-2025, 7 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
7 d early
2024
27 d late
2023
27 d late
2022
31 d late
2021
30 d late
2020
26 d late
2019
30 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close17-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€25k▼ 38.4%
2024 · €41k
2019: €20k
2020: €46k
2021: €55k
2022: €55k
2023: €48k
2024: €41k
2019 → 2025
Working capital
€194k▲ 0.4%
2024 · €193k
2019: €129k
2020: €167k
2021: €194k
2022: €177k
2023: €182k
2024: €193k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€292k-€337k▲ 15.3%€376k▲ 11.4%€407k▲ 8.3%€432k▲ 6.2%
Operating result€78k-€77k▼ 1.5%€67k▼ 12.6%€64k▼ 5.4%€41k▼ 35.1%
Net result€55k-€55k▼ 1.1%€48k▼ 11.5%€41k▼ 15.3%€25k▼ 38.4%
Result per fiscal year
Operating resultNet result
The operating result has fallen four years in a row; 2025 is 35% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €823k
Fixed assets
€476k▼ 7.2%
Current assets
€347k▼ 4.4%
Equity and liabilities €823k
Equity
€432k▲ 6.2%
Provisions
€0▼ 100%
Debt
€391k▼ 15.9%
The debt ratio falls from 53.1% to 47.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€89k▼
2024 · €112k
Cash flow
€73k▼
2024 · €90k
Solvency
52.5%▲
2024 · 46.4%
Current ratio
2.27▲
2024 · 2.14
Quick ratio
1.34▼
2024 · 1.48
Debt / equity
0.91▼
2024 · 1.14
ROE
5.9%▼
2024 · 10.1%
ROA
3.1%▼
2024 · 4.7%
Interest coverage
9.88▼
2024 · 10.83
Debt
€391k▼
2024 · €465k
Debt ≤ 1 year
€153k▼
2024 · €169k
Debt > 1 year
€231k▼
2024 · €296k
Income taxes
€13k▼
2024 · €17k
Staff costs
€145k▲
2024 · €144k
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€876k€823k▼
Fixed assets21/28€513k€476k▼
Tangible fixed assets22/27€513k€476k▼
Land and buildings22€511k€472k▼
Furniture and vehicles24€2k€4k▲
Financial fixed assets28€329€329=
Current assets29/58€362k€347k▼
Stocks and contracts in progress3€112k€142k▲
Stocks30/36€112k€142k▲
Amounts receivable within one year40/41€48k€53k▲
Trade receivables40€298€2k▲
Other amounts receivable41€47k€51k▲
Current investments50/53€100k-
Cash at bank and in hand54/58€103k€152k▲
Equity and liabilities
Total equity and liabilities10/49€876k€823k▼
Equity10/15€407k€432k▲
Contributions10/11€30k€30k=
Reserves13€53k€70k▲
Non-distributable reserves130/1€3k€3k=
Reserves not available under the articles1311€3k€3k=
Tax-exempt reserves132€10k€2k▼
Distributable reserves133€40k€65k▲
Profit (loss) carried forward14€324k€332k▲
Provisions and deferred taxes16€4k-
Deferred taxes168€4k-
Amounts payable17/49€465k€391k▼
Amounts payable after more than one year17€296k€231k▼
Financial debts170/4€296k€231k▼
Amounts payable within one year42/48€169k€153k▼
Current portion of amounts payable after more than one year42€63k€65k▲
Trade debts44€53k€45k▼
Suppliers440/4€53k€45k▼
Taxes, remuneration and social security45€39k€34k▼
Taxes450/3€18k€9k▼
Remuneration and social security454/9€21k€25k▲
Other amounts payable47/48€15k€10k▼
Accrued charges and deferred income492/3-€7k
Income statement
Code20242025
Remuneration, social security and pensions62€144k€145k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€49k€48k▼
Other operating charges640/8€14k€15k▲
Non-recurring operating charges66A€6k€2k▼
Gross operating margin9900€276k€250k▼
Operating profit (loss)9901€64k€41k▼
Financial income75/76B€367€2k▲
Recurring financial income75€367€2k▲
Financial charges65/66B€10k€9k▼
Recurring financial charges65€10k€9k▼
Profit (loss) for the period before taxes9903€54k€34k▼
Transfer from deferred taxes780€4k€4k▲
Income taxes67/77€17k€13k▼
Profit (loss) for the period9904€41k€25k▼
Transfer from tax-exempt reserves789€8k€8k▲
Profit (loss) for the period to be appropriated9905€49k€33k▼
Appropriation of the result
Profit (loss) to be appropriated9906€374k€357k▼
Profit (loss) brought forward from the previous period14P€325k€324k▼
Transfer to equity691/2€40k€25k▼
To other reserves6921€40k€25k▼
Profit to be distributed694/7€10k-
Directors or managers695€10k-
Social balance
Average headcount (FTE)90874.74.9▲
The notes to these accounts (19 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
24-10
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2024
27-11
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 27 days late
2023
27-11
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 27 days late
2022
01-12
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 31 days late
2021
30-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
31-03
Financial
Highest result since 2019net €55k ▲19.4%
Operating result €78k, net result €55k, both a record.
2020
26-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2019
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 30 days late
2018
28-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2017
27-11
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 27 days late
2016
24-11
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 24 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, Jemeppe-sur-Sambre · 1 establishment unit since 2012
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.
Rue d'Ordin,Moustier 15190 Jemeppe-sur-SambreGround area
222 m²
Building footprint
134 m²
Volume, LiDAR
1,095 m³
Parcel 92091A0114/00B000, Wallonia · tallest building 9.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
123euros Tamines
since 20122.207.404.155
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92091A0114/00B000 | Wallonia | 222 m² | 1 · 134 m² | 9.7 m · 3 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteSambreville2.207.404.155
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Of 12,968 companies in sector 47120 we hold annual accounts for 2,186. 1,154 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-01-1996
Fiscal year end31-03
Activities, NACEBEL
47120Other non-specialised retail sale
47191Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 29 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.