SHARELOCK
ActiveSummary
SHARELOCK has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €334k and a net result of €27k. Equity is growing by ~28.7% per year across the filed fiscal years. Its solvency ranks better than 95% of 17090 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
88
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability57▼-34
Solvency100=
Growth68▼-17
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 48.13 against 65.34 in 2024; short-term debt: 2% and cash: 91.5% of total assets), and 2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
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
98%
Return on assets
7.9%
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 27-07-2026, 4 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
4 d early
2024
8 d early
2023
49 d late
2022
61 d late
2021
34 d early
2020
32 d early
2019
25 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€132k▲ 35.3%
2020 · €98k
2020: €98k
2020 → 2021
EBIT margin
32.5%▲ 10.6pp
2020 · 21.9%
2020: 21.9%
2020 → 2021
Net result
€27k▼ 51.7%
2024 · €55k
2018: €52k
2019: €29k
2020: €17k
2021: €34k
2022: €35k
2023: €71k
2024: €55k
2018 → 2025
Working capital
€328k▲ 10.4%
2024 · €297k
2018: €68k
2019: €92k
2020: €111k
2021: €138k
2022: €179k
2023: €241k
2024: €297k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€132k-
Equity€145k-€185k▲ 28.4%€256k▲ 38.1%€307k▲ 20.0%€334k▲ 8.7%
Operating result€43k-€48k▲ 11.1%€90k▲ 88.8%€76k▼ 15.3%€37k▼ 52.1%
Net result€34k-€35k▲ 2.9%€71k▲ 102%€55k▼ 21.5%€27k▼ 51.7%
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 52% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €341k
Fixed assets
€6k ▼ 40.7%
Current assets
€335k ▲ 11.0%
Equity and liabilities €341k
Equity
€334k ▲ 8.7%
Debt
€7k ▲ 50.7%
Debt's share of the balance-sheet total rises from 1.5% to 2.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€43k▼
2024 · €82k
Cash flow
€33k▼
2024 · €61k
Current ratio
48.13▼
2024 · 65.34
Debt to equity
0.02▲
2024 · 0.02
ROE
8.0%▼
2024 · 18.0%
ROA
7.9%▼
2024 · 17.8%
Interest coverage
-627.02▼
2024 · 930.13
Debt ≤ 1 year
€7k▲
2024 · €5k
Income taxes
€10k▼
2024 · €21k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 36 lines
Balance sheet
Code20242025
Assets
Total assets20/58€312k€341k▲
Fixed assets21/28€10k€6k▼
Tangible fixed assets22/27€10k€6k▼
Plant, machinery and equipment23€6k€5k▼
Furniture and vehicles24€4k€809▼
Current assets29/58€302k€335k▲
Amounts receivable within one year40/41€50k€23k▼
Trade receivables40€47k€21k▼
Other amounts receivable41€3k€2k▼
Cash at bank and in hand54/58€252k€312k▲
Equity and liabilities
Total equity and liabilities10/49€312k€341k▲
Equity10/15€307k€334k▲
Contributions10/11€19k€19k=
Reserves13€289k€316k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€287k€314k▲
Amounts payable17/49€5k€7k▲
Amounts payable within one year42/48€5k€7k▲
Trade debts44€1k€5k▲
Suppliers440/4€1k€5k▲
Taxes, remuneration and social security45€4k€2k▼
Taxes450/3€4k€2k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€6k▲
Other operating charges640/8€734€400▼
Gross operating margin9900€83k€43k▼
Operating profit (loss)9901€76k€37k▼
Financial charges65/66B€89€-69▼
Recurring financial charges65€89€-69▼
Profit (loss) for the period before taxes9903€76k€37k▼
Income taxes67/77€21k€10k▼
Profit (loss) for the period9904€55k€27k▼
Profit (loss) for the period to be appropriated9905€55k€27k▼
Appropriation of the result
Profit (loss) to be appropriated9906€55k€27k▼
Transfer to equity691/2€55k€27k▼
To other reserves6921€55k€27k▼
The notes to these accounts (6 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
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity doublescurrent ratio 65.34
Current ratio from 31.43 to 65.34; short-term debt falls from €8k to €5k.
18-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 49 days late
2023
31-12
Financial
Highest result since 2018net €71k ▲102%
Operating result €90k, net result €71k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 31.43
Current ratio from 12.95 to 31.43; short-term debt falls from €15k to €8k.
31-12
Financial
Equity above €200kEq €256k ▲38.1%
6 profitable years in a row build equity to €256k.
30-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 61 days late
2022
31-12
Financial
Liquidity doublescurrent ratio 12.95
Current ratio from 5.59 to 12.95; short-term debt falls from €30k to €15k.
31-12
Financial
Equity above €150kEq €185k ▲28.4%
5 profitable years in a row build equity to €185k.
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Show earlier events
2020
31-12
Financial
Weakest financial yearnet €17k ▼40.9%
Net result drops to €17k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity triplescurrent ratio 12.07
Current ratio from 4.51 to 12.07; short-term debt falls from €26k to €10k.
31-12
Financial
Equity above €100kEq €111k ▲18.7%
3 profitable years in a row build equity to €111k.
25-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 25 days late
2019
04-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 65 days late
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.
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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, Meise · 1 establishment unit since 2017
Ground area
2,026 m²
Building footprint
151 m²
Volume, LiDAR
640 m³
Parcel 23050F0107/00B004, Flanders · tallest building 10.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
SHARELOCK
since 20172.264.185.777
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23050F0107/00B004 | Flanders | 2,026 m² | 1 · 151 m² | 10.9 m · 1 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 16,879 companies in sector 62100 we hold annual accounts for 8,771. 6,042 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-04-2017
Fiscal year end31-12
Activities, NACEBEL 2025
62100Computer programming
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.