TRADE & CO
ActiveTRADE & CO has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €24k and a net result of €7k. Equity is shrinking by ~14% per year across the filed fiscal years. Its solvency ranks better than 31% of 2514 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability58▼-11
Solvency44▲+2
Growth85▲+17
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.17 against 1.17 in 2024; short-term debt: 81% and cash: 25.8% of total assets), and 81% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 95
Relative position
BE, all sectors
reference
Sector 95
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
19%
Return on assets
5.8%
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 30-07-2026, 1 day ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
1 d early
2024
28 d late
2023
50 d late
2022
32 d late
2021
33 d late
2020
153 d late
2019
61 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€1.64M▲ 933%
2024 · €159k
2018: €121k
2019: €43k
2021: €16k
2024: €159k
2018 → 2025
EBIT margin
0.5%▼ 8.9pp
2024 · 9.3%
2018: 5.8%
2019: 18.2%
2021: -4.1%
2024: 9.3%
2018 → 2025
Net result
€7k▼ 49.9%
2024 · €15k
2018: €7k
2019: €8k
2020: €-23k
2021: €-2k
2022: €-1k
2023: €-194
2024: €15k
2018 → 2025
Working capital
€17k▼ 65.6%
2024 · €50k
2018: €9k
2019: €17k
2020: €6k
2021: €4k
2022: €2k
2023: €2k
2024: €50k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€16k-€159k€1.64M▲ 933%
Equity€4k-€2k▼ 38.9%€2k▼ 8.5%€59k▲ 2,722%€24k▼ 58.9%
Operating result€-663-€-1k▼ 113%€-194▲ 86.3%€15k€8k▼ 45.8%
Net result€-2k-€-1k▲ 39.9%€-194▲ 86.6%€15k€7k▼ 49.9%
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 2025; 2025 is 46% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €127k
Fixed assets
€7k▼ 21.9%
Current assets
€120k▼ 65.2%
Equity and liabilities €127k
Equity
€24k▼ 58.9%
Debt
€103k▼ 65.1%
The debt ratio falls from 83.4% to 81.0%. Equity and debt are lower.
Key figures and ratios
EBITDA
€10k▼
2024 · €16k
Cash flow
€9k▼
2024 · €16k
Solvency
19.0%▲
2024 · 16.6%
Current ratio
1.17▼
2024 · 1.17
Quick ratio
0.79▼
2024 · 1.12
Debt / equity
4.25▼
2024 · 5.01
ROE
30.5%▲
2024 · 25.0%
ROA
5.8%▲
2024 · 4.2%
Interest coverage
15.09▼
2024 · 126.36
Debt
€103k▼
2024 · €295k
Debt ≤ 1 year
€103k▼
2024 · €295k
Staff costs
€55k▲
2024 · €31k
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€354k€127k▼
Fixed assets21/28€9k€7k▼
Intangible fixed assets21€9k€7k▼
Current assets29/58€344k€120k▼
Stocks and contracts in progress3€15k€38k▲
Stocks30/36€15k€38k▲
Amounts receivable within one year40/41€280k€49k▼
Trade receivables40€280k€48k▼
Other amounts receivable41-€473
Cash at bank and in hand54/58€49k€33k▼
Equity and liabilities
Total equity and liabilities10/49€354k€127k▼
Equity10/15€59k€24k▼
Contributions10/11€60k€18k▼
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€-3k€4k▲
Amounts payable17/49€295k€103k▼
Amounts payable within one year42/48€295k€103k▼
Financial debts43€22-
Credit institutions430/8€22-
Trade debts44€285k€78k▼
Suppliers440/4€285k€78k▼
Taxes, remuneration and social security45€10k€11k▲
Taxes450/3€2k€3k▲
Remuneration and social security454/9€8k€8k▼
Other amounts payable47/48-€14k
Income statement
Code20242025
Turnover70€159k€1.64M▲
Goods, raw materials, services and sundry goods60/61€112k€1.58M▲
Remuneration, social security and pensions62€31k€55k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€888€2k▲
Other operating charges640/8€478€738▲
Gross operating margin9900€47k€65k▲
Operating profit (loss)9901€15k€8k▼
Financial charges65/66B€125€665▲
Recurring financial charges65€125€665▲
Profit (loss) for the period before taxes9903€15k€7k▼
Profit (loss) for the period9904€15k€7k▼
Profit (loss) for the period to be appropriated9905€15k€7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-3k€4k▲
Profit (loss) brought forward from the previous period14P€-18k€-3k▲
The notes to these accounts (4 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
21-08
State Gazette act
Resignations & appointmentsGeneral meeting · Director resignation · Director appointment3 facts ▸
State Gazette act
Resignations & appointments
General meeting · Director resignation · Director appointment3 facts ▸
- General meeting, 2026-06-15
- Director resignation, SHEIKH Zeeshan Mazhar (administrateur)
- Director appointment, SHARIF BUTT Bibi Muhammad Idrees (administrateur)
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Back to profitnet €15k
Net result €15k after 4 loss-making years.
19-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 50 days late
2023
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
02-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 33 days late
2021
31-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 153 days late
2020
31-12
Financial
Weakest financial yearnet €-23k ▼397%
Net result drops to €-23k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity triplescurrent ratio 4.39
Current ratio from 1.57 to 4.39; short-term debt falls from €30k to €2k.
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 61 days late
2019
16-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 77 days late
2018
30-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 61 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 directors, no change since 2026
SHARIF BUTT Bibi Muhammad Idrees
CurrentDirector · since 15-06-2026
15-06-2026
SHARIF BUTT Bibi Muhammad Idrees: Appointed as Director
15-06-2026
SHEIKH Zeeshan Mazhar: Resigned as Director
Location & real-estate footprint
Registered office, Vresse-sur-Semois · 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.
Rue de la Douane,Pussemange 615550 Vresse-sur-SemoisGround area
450 m²
Building footprint
151 m²
Volume, LiDAR
1,603 m³
Parcel 91378A0298/00K000, Wallonia · tallest building 12.6 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
TRADE & CO
since 20242.365.063.995
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91378A0298/00K000 | Wallonia | 450 m² | 1 · 151 m² | 12.6 m · 4 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteVresse-sur-Semois2.365.063.995
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Of 3,209 companies in sector 95316 we hold annual accounts for 753. 544 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-01-2017
Fiscal year end31-12
Activities, NACEBEL
95316Washing and cleaning of motor vehicles
47110Non-specialised retail sale with food, beverages or tobacco predominating
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.