SMEcon
ActiveSMEcon has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €56k and a net result of €53k. Its solvency ranks better than 54% of 7709 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
82
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency80▲+51
Growth78
Track record82
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity ample (current ratio 2.16 against 0.99 in 2024; short-term debt: 44.6% and cash: 92.3% of total assets), and 44.6% 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
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
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
55.4%
Return on assets
52.9%
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 08-07-2026, 23 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
23 d early
2024
23 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€56k▲ 2,136%
2024 · €3k
2024: €3k
2024 → 2025
Total assets
€101k▲ 43.2%
2024 · €71k
2024: €71k
2024 → 2025
Net result
€53k▲ 33.2%
2024 · €40k
2024: €40k
2024 → 2025
Working capital
€52k
2024 · €-588
2024: €-588
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€3k-€56k▲ 2,136%
Operating result€50k-€69k▲ 36.6%
Net result€40k-€53k▲ 33.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 37% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €101k
Fixed assets
€4k▲ 18.1%
Current assets
€97k▲ 44.3%
Equity and liabilities €101k
Equity
€56k▲ 2,136%
Debt
€45k▼ 33.7%
The debt ratio falls from 96.5% to 44.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€69k▲
2024 · €50k
Cash flow
€54k▲
2024 · €40k
Solvency
55.4%▲
2024 · 3.5%
Current ratio
2.16▲
2024 · 0.99
Quick ratio
2.16▲
2024 · 0.99
Debt / equity
0.81▼
2024 · 27.21
ROE
95.5%
ROA
52.9%▼
2024 · 56.8%
Interest coverage
149.75▼
2024 · 3977.91
Debt
€45k▼
2024 · €68k
Debt ≤ 1 year
€45k▼
2024 · €68k
Income taxes
€15k▲
2024 · €10k
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€71k€101k▲
Fixed assets21/28€3k€4k▲
Tangible fixed assets22/27€3k€4k▲
Furniture and vehicles24€3k€4k▲
Current assets29/58€67k€97k▲
Amounts receivable within one year40/41€30k€2k▼
Trade receivables40€30k-
Other amounts receivable41-€2k
Cash at bank and in hand54/58€37k€93k▲
Deferred charges and accrued income490/1€290€3k▲
Equity and liabilities
Total equity and liabilities10/49€71k€101k▲
Equity10/15€3k€56k▲
Contributions10/11€3k€3k=
Profit (loss) carried forward14-€53k
Amounts payable17/49€68k€45k▼
Amounts payable within one year42/48€68k€45k▼
Trade debts44€5k€9k▲
Suppliers440/4€5k€9k▲
Taxes, remuneration and social security45€21k€37k▲
Taxes450/3€21k€37k▲
Other amounts payable47/48€43k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19€783▲
Other operating charges640/8-€115
Gross operating margin9900€50k€69k▲
Operating profit (loss)9901€50k€69k▲
Financial charges65/66B€13€463▲
Recurring financial charges65€13€463▲
Profit (loss) for the period before taxes9903€50k€68k▲
Income taxes67/77€10k€15k▲
Profit (loss) for the period9904€40k€53k▲
Profit (loss) for the period to be appropriated9905€40k€53k▲
Appropriation of the result
Profit (loss) to be appropriated9906€40k€53k▲
Profit to be distributed694/7€40k-
Return on contributions (dividend)694€40k-
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
Next filing, fiscal year 2026, expected by
2026
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity doublescurrent ratio 2.16
Current ratio from 0.99 to 2.16; short-term debt falls from €68k to €45k.
08-07
NBB filing
Annual accounts filed
fiscal year 2024 · 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, Gingelom · 1 establishment unit since 2024
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.
Naamsestraat 153890 GingelomGround area
759 m²
Building footprint
146 m²
Volume, LiDAR
949 m³
Parcel 71044B0308/00T000, Flanders · tallest building 9.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SMEcon
since 20242.363.197.637
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71044B0308/00T000 | Flanders | 759 m² | 1 · 146 m² | 9.9 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 24,501 companies in sector 82990 we hold annual accounts for 9,398. 6,987 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-09-2024
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.