YOUR SAVINGS
ActiveYOUR SAVINGS has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €112k and a net result of €13k. Equity is growing by ~23.6% per year across the filed fiscal years. Its solvency ranks better than 78% of 16942 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
85
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability81▲+43
Solvency100▲+7
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 5.87 against 3.35 in 2024; short-term debt: 14.2% and cash: 13% of total assets), and 17.4% 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 · 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 →
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
82.6%
Return on assets
9.6%
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 16-07-2026, 15 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
15 d early
2024
55 d late
2023
63 d late
2022
36 d late
2021
114 d late
2020
31 d late
2019
121 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
Equity
€112k▲ 13.1%
2024 · €99k
2018: €6k
2019: €12k
2020: €37k
2021: €64k
2022: €69k
2023: €101k
2024: €99k
2018 → 2025
Total assets
€136k▼ 6.9%
2024 · €146k
2018: €22k
2019: €30k
2020: €76k
2021: €123k
2022: €138k
2023: €142k
2024: €146k
2018 → 2025
Net result
€13k
2024 · €-2k
2018: €4k
2019: €6k
2020: €25k
2021: €27k
2022: €5k
2023: €33k
2024: €-2k
2018 → 2025
Working capital
€94k▲ 9.2%
2024 · €86k
2018: €4k
2019: €10k
2020: €31k
2021: €53k
2022: €69k
2023: €97k
2024: €86k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€64k-€69k▲ 7.2%€101k▲ 46.6%€99k▼ 1.5%€112k▲ 13.1%
Operating result€42k-€9k▼ 78.1%€47k▲ 418%€543▼ 98.8%€19k▲ 3,474%
Net result€27k-€5k▼ 82.9%€33k▲ 629%€-2k€13k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 3,474% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €136k
Fixed assets
€23k▼ 2.1%
Current assets
€113k▼ 7.8%
Equity and liabilities €136k
Equity
€112k▲ 13.1%
Debt
€24k▼ 49.3%
The debt ratio falls from 32.0% to 17.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€24k▲
2024 · €5k
Cash flow
€18k▲
2024 · €2k
Solvency
82.6%▲
2024 · 68.0%
Current ratio
5.87▲
2024 · 3.35
Quick ratio
5.87▲
2024 · 3.35
Debt / equity
0.21▼
2024 · 0.47
ROE
11.6%▲
2024 · -1.5%
ROA
9.6%▲
2024 · -1.0%
Interest coverage
22.42▲
2024 · 2.47
Debt
€24k▼
2024 · €47k
Debt ≤ 1 year
€19k▼
2024 · €37k
Debt > 1 year
€4k▼
2024 · €10k
Income taxes
€7k▲
2024 · €2k
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€146k€136k▼
Fixed assets21/28€23k€23k▼
Tangible fixed assets22/27€23k€23k▼
Plant, machinery and equipment23-€2k
Furniture and vehicles24€3k€2k▼
Leasing and similar rights25€3k€3k▼
Other tangible fixed assets26€17k€16k▼
Current assets29/58€123k€113k▼
Amounts receivable after more than one year29€73k€70k▼
Other amounts receivable291€73k€70k▼
Amounts receivable within one year40/41€30k€24k▼
Trade receivables40€20k€11k▼
Other amounts receivable41€10k€13k▲
Cash at bank and in hand54/58€18k€18k▼
Deferred charges and accrued income490/1€2k€841▼
Equity and liabilities
Total equity and liabilities10/49€146k€136k▼
Equity10/15€99k€112k▲
Contributions10/11€6k€6k=
Reserves13€92k€105k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€90k€103k▲
Profit (loss) carried forward14€1k€1k=
Amounts payable17/49€47k€24k▼
Amounts payable after more than one year17€10k€4k▼
Financial debts170/4€10k€4k▼
Amounts payable within one year42/48€37k€19k▼
Current portion of amounts payable after more than one year42€9k€9k▲
Trade debts44€4k€842▼
Suppliers440/4€4k€842▼
Taxes, remuneration and social security45€16k€4k▼
Taxes450/3€16k€2k▼
Remuneration and social security454/9-€2k
Other amounts payable47/48€7k€6k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€5k▲
Other operating charges640/8€2k€2k▼
Gross operating margin9900€6k€26k▲
Operating profit (loss)9901€543€19k▲
Financial income75/76B€2k€2k▼
Recurring financial income75€2k€2k▼
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€890€20k▲
Income taxes67/77€2k€7k▲
Profit (loss) for the period9904€-2k€13k▲
Profit (loss) for the period to be appropriated9905€-2k€13k▲
Appropriation of the result
Profit (loss) to be appropriated9906€1k€14k▲
Profit (loss) brought forward from the previous period14P€3k€1k▼
Transfer to equity691/2-€13k
To other reserves6921-€13k
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
16-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €13k
Net result €13k after one loss-making year.
31-12
Financial
Equity above €100kEq €112k ▲13.1%
Equity rises from €99k to €112k.
24-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 55 days late
2024
31-12
Financial
Weakest financial yearnet €-2k ▼105%
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
02-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 63 days late
2023
31-12
Financial
Highest result since 2018net €33k ▲629%
Operating result €47k, net result €33k, both a record.
31-12
Financial
Equity above €100kEq €101k ▲46.6%
6 profitable years in a row build equity to €101k.
05-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 36 days late
2022
22-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 114 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
29-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 121 days late
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 61 days late
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 · abbreviated schema · 60 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Hoeilaart · 1 establishment unit since 2015
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.
Vriendschapstraat 271560 HoeilaartGround area
910 m²
Building footprint
167 m²
Volume, LiDAR
699 m³
Parcel 23033A0376/00K008, Flanders · tallest building 7.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Vriendschapstraat 27, 1560 Hoeilaart
since 20152.248.881.751
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23033A0376/00K008 | Flanders | 909 m² | 1 · 167 m² | 7.4 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 29,992 companies in sector 62200 we hold annual accounts for 18,386. 15,544 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-09-2015
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
35150Electricity, gas, steam and air conditioning supply
46180Agents specialised in the wholesale of other particular products
62900Other information technology and computer services
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.