The Nutshell
ActiveThe Nutshell has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €67k and a net result of €43k. Equity remains stable across the filed fiscal years (±1.6% per year). Its solvency ranks better than 30% of 54 sector peers (fiscal year 2026). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2026
80
/ 100
Excellent▼ -18 vs 2025
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2025
Profitability100=
Solvency70▼-28
Growth32▼-20
Stability100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 3.09 against 4.2 in 2025), but 69.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 2026Solvency, return and age of the figures
Solvency
30.6%
Return on assets
19.6%
Age of the figures
5 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2026 was due by 31-10-2026 and was filed on 22-05-2026, 162 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2026
162 d early
2025
31 d early
2024
44 d early
2023
131 d early
2022
25 d late
2021
61 d late
2020
48 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2027 and is due by 31-10-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
13-09-2026 today31-03-2027 close31-10-2027 deadline
Financials · fiscal year 2026, micro schema
Equity
€67k▼ 43.9%
2025 · €119k
2019: €90k
2020: €191k
2021: €165k
2022: €186k
2023: €212k
2024: €189k
2025: €119k
2019 → 2026
Total assets
€218k▲ 5.7%
2025 · €206k
2019: €229k
2020: €248k
2021: €192k
2022: €213k
2023: €236k
2024: €291k
2025: €206k
2019 → 2026
Net result
€43k▼ 16.8%
2025 · €51k
2019: €97k
2020: €91k
2021: €54k
2022: €21k
2023: €26k
2024: €25k
2025: €51k
2019 → 2026
Working capital
€143k▼ 6.2%
2025 · €153k
2019: €118k
2020: €219k
2021: €159k
2022: €171k
2023: €200k
2024: €254k
2025: €153k
2019 → 2026
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20222023202420252026Trend
Equity€186k-€212k▲ 13.8%€189k▼ 10.9%€119k▼ 37.0%€67k▼ 43.9%
Operating result€30k-€37k▲ 20.2%€32k▼ 12.6%€65k▲ 104%€54k▼ 16.8%
Net result€21k-€26k▲ 21.3%€25k▼ 2.5%€51k▲ 105%€43k▼ 16.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2026; 2026 is 17% below 2025.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €218k
Fixed assets
€6k▲ 6.4%
Current assets
€212k▲ 5.7%
Equity and liabilities €218k
Equity
€67k▼ 43.9%
Debt
€151k▲ 73.7%
The debt ratio rises from 42.2% to 69.4%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€56k▼
2025 · €68k
Cash flow
€45k▼
2025 · €54k
Solvency
30.6%▼
2025 · 57.8%
Current ratio
3.09▼
2025 · 4.20
Quick ratio
3.09▼
2025 · 4.20
Debt / equity
2.26▲
2025 · 0.73
ROE
64.0%▲
2025 · 43.1%
ROA
19.6%▼
2025 · 24.9%
Interest coverage
165.06▲
2025 · 126.88
Debt
€151k▲
2025 · €87k
Debt ≤ 1 year
€69k▲
2025 · €48k
Income taxes
€11k▼
2025 · €13k
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 · 2026 against 2025
Balance sheet
Code20252026
Assets
Total assets20/58€206k€218k▲
Fixed assets21/28€5k€6k▲
Tangible fixed assets22/27€3k€3k▲
Furniture and vehicles24€3k€3k▲
Financial fixed assets28€2k€2k=
Current assets29/58€201k€212k▲
Amounts receivable within one year40/41€94k€60k▼
Trade receivables40€64k€33k▼
Other amounts receivable41€29k€26k▼
Cash at bank and in hand54/58€107k€151k▲
Deferred charges and accrued income490/1€503€2k▲
Equity and liabilities
Total equity and liabilities10/49€206k€218k▲
Equity10/15€119k€67k▼
Contributions10/11€20k€20k=
Reserves13€47k€47k=
Distributable reserves133€47k€47k=
Profit (loss) carried forward14€52k€0▼
Amounts payable17/49€87k€151k▲
Amounts payable within one year42/48€48k€69k▲
Financial debts43€2k€2k▲
Credit institutions430/8€2k€2k▲
Trade debts44€22k€16k▼
Suppliers440/4€22k€16k▼
Taxes, remuneration and social security45€0€8k▲
Taxes450/3€0€8k▲
Remuneration and social security454/9€0€93▲
Other amounts payable47/48€24k€43k▲
Accrued charges and deferred income492/3€39k€82k▲
Income statement
Code20252026
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€2k▼
Other operating charges640/8€840€864▲
Gross operating margin9900€69k€57k▼
Operating profit (loss)9901€65k€54k▼
Financial income75/76B€0€129▲
Recurring financial income75€0€129▲
Financial charges65/66B€537€341▼
Recurring financial charges65€537€341▼
Profit (loss) for the period before taxes9903€65k€54k▼
Income taxes67/77€13k€11k▼
Profit (loss) for the period9904€51k€43k▼
Profit (loss) for the period to be appropriated9905€51k€43k▼
Appropriation of the result
Profit (loss) to be appropriated9906€76k€95k▲
Profit (loss) brought forward from the previous period14P€25k€52k▲
Transfer from equity791/2€97k€0▼
Profit to be distributed694/7€121k€95k▼
Return on contributions (dividend)694€121k€95k▼
The notes to these accounts (8 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 2027, expected by
2026
22-05
NBB filing
Annual accounts filed
fiscal year 2026 · micro schema
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
17-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
22-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-03
Financial
Equity above €200kEq €212k ▲13.8%
5 profitable years in a row build equity to €212k.
2022
25-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 25 days late
31-03
Financial
Weakest financial yearnet €21k ▼60.9%
Net result drops to €21k, the lowest in the series; recovery starts the following year.
2021
31-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 61 days late
2020
18-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 48 days late
31-03
Financial
Liquidity times 6current ratio 11.45
Current ratio from 2.07 to 11.45; short-term debt falls from €111k to €21k.
31-03
Financial
Equity above €150kEq €191k ▲112%
2 profitable years in a row build equity to €191k.
28-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 120 days late
2019
18-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 110 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, Gavere · 1 establishment unit since 2016
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.
Prinsenmolenstraat 189890 GavereGround area
69 m²
Building footprint
72 m²
Volume, LiDAR
438 m³
Parcel 44005A0835/00P000, Flanders · tallest building 8.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Prinsenmolenstraat 18, 9890 Gavere
since 20162.343.918.589
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44005A0835/00P000 | Flanders | 69 m² | 1 · 72 m² | 8.5 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
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Of 13,391 companies in sector 73300 we hold annual accounts for 6,881. 5,574 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-06-2016
Fiscal year end31-03
Activities, NACEBEL
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.