SPOT ON
ActiveSPOT ON has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €186k and a net result of €38k. Equity is growing by ~10.8% per year across the filed fiscal years. Its solvency ranks better than 85% of 7027 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
89
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability91▲+13
Solvency100▲+8
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity ample (current ratio 7.91 against 3.03 in 2024; short-term debt: 12.5% and cash: 16.7% of total assets), and 12.5% 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○neutral
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
87.5%
Return on assets
18%
Age of the figures
9 mo
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 18-09-2026, 49 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 · 10 filingsDeviation from the deadline
2025
49 d late
2024
49 d late
2023
79 d late
2022
91 d late
2021
40 d early
2020
1 d early
2019
5 d late
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€186k▲ 25.9%
2024 · €148k
2018: €102k
2019: €76k
2020: €113k
2021: €91k
2022: €126k
2023: €131k
2024: €148k
2018 → 2025
Total assets
€213k▼ 3.0%
2024 · €219k
2018: €214k
2019: €259k
2020: €200k
2021: €164k
2022: €193k
2023: €202k
2024: €219k
2018 → 2025
Net result
€38k▲ 134%
2024 · €16k
2018: €10k
2019: €45k
2020: €37k
2021: €15k
2022: €35k
2023: €5k
2024: €16k
2018 → 2025
Working capital
€184k▲ 27.3%
2024 · €145k
2018: €103k
2019: €78k
2020: €114k
2021: €89k
2022: €125k
2023: €130k
2024: €145k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€91k-€126k▲ 38.6%€131k▲ 4.0%€148k▲ 12.5%€186k▲ 25.9%
Operating result€23k-€50k▲ 115%€10k▼ 80.9%€25k▲ 165%€55k▲ 117%
Net result€15k-€35k▲ 132%€5k▼ 85.7%€16k▲ 226%€38k▲ 134%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 117% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €213k
Fixed assets
€2k▼ 41.9%
Current assets
€211k▼ 2.4%
Equity and liabilities €213k
Equity
€186k▲ 25.9%
Debt
€27k▼ 62.7%
The debt ratio falls from 32.6% to 12.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€56k▲
2024 · €27k
Cash flow
€40k▲
2024 · €18k
Solvency
87.5%▲
2024 · 67.4%
Current ratio
7.91▲
2024 · 3.03
Quick ratio
7.91▲
2024 · 3.03
Debt / equity
0.14▼
2024 · 0.48
ROE
20.6%▲
2024 · 11.1%
ROA
18.0%▲
2024 · 7.5%
Interest coverage
38.64▲
2024 · 23.61
Debt
€27k▼
2024 · €71k
Debt ≤ 1 year
€27k▼
2024 · €71k
Income taxes
€15k▲
2024 · €8k
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€219k€213k▼
Fixed assets21/28€3k€2k▼
Tangible fixed assets22/27€3k€2k▼
Furniture and vehicles24€3k€2k▼
Financial fixed assets28€45€45=
Current assets29/58€216k€211k▼
Amounts receivable within one year40/41€199k€175k▼
Trade receivables40€27k€9k▼
Other amounts receivable41€173k€166k▼
Cash at bank and in hand54/58€17k€35k▲
Equity and liabilities
Total equity and liabilities10/49€219k€213k▼
Equity10/15€148k€186k▲
Contributions10/11€19k€19k=
Reserves13€129k€167k▲
Distributable reserves133€129k€167k▲
Amounts payable17/49€71k€27k▼
Amounts payable within one year42/48€71k€27k▼
Financial debts43€7k€9k▲
Credit institutions430/8€7k€9k▲
Trade debts44€57k€4k▼
Suppliers440/4€57k€4k▼
Taxes, remuneration and social security45€7k€13k▲
Taxes450/3€5k€11k▲
Remuneration and social security454/9€2k€2k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k▼
Other operating charges640/8€972€1k▲
Gross operating margin9900€28k€57k▲
Operating profit (loss)9901€25k€55k▲
Financial income75/76B€25€46▲
Recurring financial income75€25€46▲
Financial charges65/66B€1k€1k▲
Recurring financial charges65€1k€1k▲
Profit (loss) for the period before taxes9903€24k€54k▲
Income taxes67/77€8k€15k▲
Profit (loss) for the period9904€16k€38k▲
Profit (loss) for the period to be appropriated9905€16k€38k▲
Appropriation of the result
Profit (loss) to be appropriated9906€16k€38k▲
Transfer to equity691/2€16k€38k▲
To other reserves6921€16k€38k▲
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
18-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 49 days late
2025
31-12
Financial
Liquidity triplescurrent ratio 7.91
Current ratio from 3.03 to 7.91; short-term debt falls from €71k to €27k.
31-12
Financial
Equity above €150kEq €186k ▲25.9%
8 profitable years in a row build equity to €186k.
18-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 49 days late
2024
18-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 79 days late
2023
31-12
Financial
Weakest financial yearnet €5k ▼85.7%
Net result drops to €5k, the lowest in the series; recovery starts the following year.
30-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 91 days late
2022
31-12
Financial
Equity above €100kEq €126k ▲38.6%
5 profitable years in a row build equity to €126k.
21-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €100kEq €113k ▲49.3%
3 profitable years in a row build equity to €113k.
05-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 5 days late
2019
31-12
Financial
Highest result since 2018net €45k ▲328%
Operating result €65k, net result €45k, both a record.
18-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
18-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
26-05
NBB filing
Annual accounts filed
fiscal year 2016 · 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, Hoegaarden · 1 establishment unit since 2008
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.
Ernest Ourystraat 653320 HoegaardenGround area
544 m²
Building footprint
182 m²
Volume, LiDAR
2,696 m³
Parcel 24041D0427/00G000, Flanders · tallest building 18.1 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Ernest Ourystraat 65, 3320 Hoegaarden
since 20082.252.903.885
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24041D0427/00G000 | Flanders | 544 m² | 1 · 182 m² | 18.1 m · 5 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
COHERENCES
BE 0825.594.417
Overijse · Eq €186k
AYS SERVICE
BE 0754.700.085
Lennik · Eq €186k
CONCEPT-F3
BE 0873.717.206
Deinze · Eq €186k
PLURIBUS GLOBAL
BE 0755.488.260
Schaarbeek · Eq €186k
ARIADNE
BE 0502.581.150
Zoersel · Eq €186k
Of 13,422 companies in sector 73300 we hold annual accounts for 6,901. 5,333 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-09-2008
Fiscal year end31-12
Activities, NACEBEL
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.