USABEL
ActiveUSABEL has been active since 2005 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €73k and a net result of €18k. Equity is growing by ~3.3% per year across the filed fiscal years. Its solvency ranks better than 85% of 31487 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
98
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+21
Solvency100=
Growth52=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 7.91 against 10.01 in 2024), and 12.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
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
87.4%
Return on assets
21.1%
Age of the figures
8 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 24-07-2026, 7 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
7 d early
2024
20 d early
2023
19 d early
2022
3 d early
2021
2 d early
2020
1 d early
2019
87 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€73k▼ 19.9%
2024 · €91k
2018: €61k
2019: €79k
2020: €85k
2021: €97k
2022: €92k
2023: €99k
2024: €91k
2018 → 2025
Total assets
€83k▼ 17.5%
2024 · €101k
2018: €126k
2019: €108k
2020: €103k
2021: €115k
2022: €108k
2023: €109k
2024: €101k
2018 → 2025
Net result
€18k▲ 22.4%
2024 · €14k
2018: €23k
2019: €18k
2020: €6k
2021: €12k
2022: €19k
2023: €14k
2024: €14k
2018 → 2025
Working capital
€72k▼ 20.2%
2024 · €90k
2018: €58k
2019: €77k
2020: €84k
2021: €96k
2022: €91k
2023: €98k
2024: €90k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€97k-€92k▼ 5.2%€99k▲ 7.9%€91k▼ 8.3%€73k▼ 19.9%
Operating result€18k-€29k▲ 55.9%€21k▼ 25.3%€22k▲ 2.0%€26k▲ 21.1%
Net result€12k-€19k▲ 58.1%€14k▼ 24.8%€14k▲ 1.7%€18k▲ 22.4%
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 21% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €83k
Fixed assets
€645▲ 32.8%
Current assets
€83k▼ 17.8%
Equity and liabilities €83k
Equity
€73k▼ 19.9%
Debt
€10k▲ 4.1%
The debt ratio rises from 9.9% to 12.6%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€27k▲
2024 · €22k
Cash flow
€18k▲
2024 · €15k
Solvency
87.4%▼
2024 · 90.1%
Current ratio
7.91▼
2024 · 10.01
Quick ratio
7.91▼
2024 · 10.01
Debt / equity
0.14▲
2024 · 0.11
ROE
24.1%▲
2024 · 15.8%
ROA
21.1%▲
2024 · 14.2%
Interest coverage
84.20▲
2024 · 69.42
Debt
€10k▲
2024 · €10k
Debt ≤ 1 year
€10k▲
2024 · €10k
Income taxes
€9k▲
2024 · €7k
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€101k€83k▼
Fixed assets21/28€485€645▲
Tangible fixed assets22/27€485€645▲
Plant, machinery and equipment23€485€645▲
Current assets29/58€101k€83k▼
Amounts receivable within one year40/41€3k€8k▲
Trade receivables40€1k€4k▲
Other amounts receivable41€2k€4k▲
Cash at bank and in hand54/58€96k€73k▼
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€101k€83k▼
Equity10/15€91k€73k▼
Contributions10/11€6k€6k=
Reserves13€85k€67k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€83k€65k▼
Amounts payable17/49€10k€10k▲
Amounts payable within one year42/48€10k€10k▲
Trade debts44€5k€8k▲
Suppliers440/4€5k€8k▲
Taxes, remuneration and social security45€5k€3k▼
Taxes450/3€5k€3k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€577€669▲
Other operating charges640/8€722€749▲
Gross operating margin9900€23k€28k▲
Operating profit (loss)9901€22k€26k▲
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€322€321▼
Recurring financial charges65€322€321▼
Profit (loss) for the period before taxes9903€21k€26k▲
Income taxes67/77€7k€9k▲
Profit (loss) for the period9904€14k€18k▲
Profit (loss) for the period to be appropriated9905€14k€18k▲
Appropriation of the result
Profit (loss) to be appropriated9906€14k€18k▲
Transfer from equity791/2€23k€36k▲
Transfer to equity691/2€14k€18k▲
To other reserves6921€14k€18k▲
Profit to be distributed694/7€23k€36k▲
Return on contributions (dividend)694€23k€36k▲
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
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
11-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
12-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-07
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
Weakest financial yearnet €6k ▼67.2%
Net result drops to €6k, the lowest in the series; recovery starts the following year.
26-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 87 days late
2019
15-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 59 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 60 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 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
4 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, Hélécine · 1 establishment unit since 2005
Ground area
5,125 m²
Building footprint
208 m²
Parcel 25057E0550/00L000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Usabel
since 20052.148.333.333
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25057E0550/00L000 | Wallonia | 5,125 m² | 1 · 208 m² | - |
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 82,201 companies in sector 70200 we hold annual accounts for 52,400. 39,671 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-07-2005
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
61100Wired, wireless and satellite telecommunications
61200Telecommunications
62020IT consultancy
62200Computer consultancy and computer facilities management
63100Computing infrastructure, data processing, hosting and related activities
63110Computing infrastructure, data processing, hosting and other information service activities
64200Holdings
72100
72300
73110Advertising agencies
74300Other professional, scientific and technical activities
74301Translation services
74401
74852
Sources
Crossroads Bank for EnterprisesNational Bank · 20 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.