Structuur & Balans
ActiveSummary
Structuur & Balans has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €94k and a net result of €-13k. Equity remains stable across the filed fiscal years (±1.5% per year). Its solvency ranks better than 83% of 17090 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
72
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability4▼-96
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 5.97 against 5.92 in 2024; short-term debt: 13.8% and cash: 80.9% of total assets), and 13.8% 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+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 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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 02-07-2026, 29 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
29 d early
2024
29 d early
2023
28 d early
2022
45 d early
2021
26 d early
2020
73 d early
← 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
Equity
€94k▼ 12.4%
2024 · €107k
2020: €58k
2021: €121k
2022: €177k
2023: €91k
2024: €107k
2020 → 2025
Total assets
€109k▼ 13.1%
2024 · €125k
2020: €126k
2021: €202k
2022: €249k
2023: €138k
2024: €125k
2020 → 2025
Net result
€-13k
2024 · €71k
2020: €53k
2021: €64k
2022: €55k
2023: €31k
2024: €71k
2020 → 2025
Working capital
€75k▼ 16.8%
2024 · €90k
2020: €44k
2021: €99k
2022: €154k
2023: €66k
2024: €90k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€121k-€177k▲ 45.8%€91k▼ 48.5%€107k▲ 17.8%€94k▼ 12.4%
Operating result€80k-€72k▼ 10.0%€44k▼ 39.7%€98k▲ 124%€-13k
Net result€64k-€55k▼ 12.8%€31k▼ 44.3%€71k▲ 131%€-13k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €13k after €98k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €109k
Fixed assets
€19k ▲ 10.2%
Current assets
€90k ▼ 16.9%
Equity and liabilities €109k
Equity
€94k ▼ 12.4%
Debt
€15k ▼ 17.6%
Debt's share of the balance-sheet total falls from 14.5% to 13.8%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-7k▼
2024 · €102k
Cash flow
€-8k▼
2024 · €75k
Current ratio
5.97▲
2024 · 5.92
Debt to equity
0.16▼
2024 · 0.17
ROE
-14.1%▼
2024 · 66.5%
ROA
-12.1%▼
2024 · 56.9%
Interest coverage
-43.93▼
2024 · 467.38
Debt ≤ 1 year
€15k▼
2024 · €18k
Income taxes
€265▼
2024 · €26k
Staff costs
€2k
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 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€125k€109k▼
Fixed assets21/28€18k€19k▲
Tangible fixed assets22/27€18k€19k▲
Land and buildings22€4k€3k▼
Plant, machinery and equipment23-€2k
Furniture and vehicles24€14k€15k▲
Current assets29/58€108k€90k▼
Amounts receivable within one year40/41€16k€1k▼
Trade receivables40€16k-
Other amounts receivable41-€1k
Cash at bank and in hand54/58€92k€88k▼
Deferred charges and accrued income490/1-€275
Equity and liabilities
Total equity and liabilities10/49€125k€109k▼
Equity10/15€107k€94k▼
Contributions10/11€5k€5k=
Reserves13€102k€102k=
Distributable reserves133€102k€102k=
Profit (loss) carried forward14-€-13k
Amounts payable17/49€18k€15k▼
Amounts payable within one year42/48€18k€15k▼
Trade debts44€2k€754▼
Suppliers440/4€2k€754▼
Taxes, remuneration and social security45€10k€10k▼
Taxes450/3€10k€10k▼
Other amounts payable47/48€6k€4k▼
Income statement
Code20242025
Remuneration, social security and pensions62-€2k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€6k▲
Other operating charges640/8€987€164▼
Gross operating margin9900€102k€-5k▼
Operating profit (loss)9901€98k€-13k▼
Financial income75/76B€7€50▲
Recurring financial income75€7€50▲
Financial charges65/66B€217€162▼
Recurring financial charges65€217€162▼
Profit (loss) for the period before taxes9903€97k€-13k▼
Income taxes67/77€26k€265▼
Profit (loss) for the period9904€71k€-13k▼
Profit (loss) for the period to be appropriated9905€71k€-13k▼
Appropriation of the result
Profit (loss) to be appropriated9906€71k€-13k▼
Transfer from equity791/2€55k-
Transfer to equity691/2€71k-
To other reserves6921€71k-
Profit to be distributed694/7€55k-
Return on contributions (dividend)694€55k-
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
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-13k
Net result drops to €-13k, the lowest in the series.
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2020net €71k ▲131%
Operating result €98k, net result €71k, both a record.
31-12
Financial
Equity above €100kEq €107k ▲17.8%
5 profitable years in a row build equity to €107k.
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
16-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €150kEq €177k ▲45.8%
3 profitable years in a row build equity to €177k.
05-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €100kEq €121k ▲110%
2 profitable years in a row build equity to €121k.
19-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
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, Zutendaal · 1 establishment unit since 2020
Ground area
1,001 m²
Building footprint
160 m²
Volume, LiDAR
761 m³
Parcel 71582E0075/00N000, Flanders · tallest building 6.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Key to Click
since 20202.297.987.012
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71582E0075/00N000 | Flanders | 1,001 m² | 1 · 160 m² | 6.5 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 29,993 companies in sector 62200 we hold annual accounts for 18,396. 15,582 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
Founded09-01-2020
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.