7Habits
Active7Habits has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €80k and a net result of €37k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 45% of 31510 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
100
/ 100
Excellent▲ +19 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency92▲+26
Growth78=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 1.85 against 1.46 in 2024), and 49.6% 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 →
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
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
50.4%
Return on assets
23.5%
Age of the figures
8 mo
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
202122232425
2020 to 2025 · latest year €80k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-08-2026, 10 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 6 filingsDeviation from the deadline
2025
10 d late
2024
31 d early
2023
35 d early
2022
22 d late
2021
44 d late
2020
27 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€80k▲ 87.6%
2024 · €43k
2020: €-14k
2021: €-15k
2022: €18k
2023: €11k
2024: €43k
2020 → 2025
Total assets
€158k▲ 31.7%
2024 · €120k
2020: €3k
2021: €1k
2022: €51k
2023: €121k
2024: €120k
2020 → 2025
Net result
€37k▲ 18.1%
2024 · €32k
2020: €-24k
2021: €-1k
2022: €33k
2023: €49k
2024: €32k
2020 → 2025
Working capital
€67k▲ 87.4%
2024 · €36k
2020: €-14k
2021: €-15k
2022: €16k
2023: €5k
2024: €36k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-15k-€18k€11k▼ 38.2%€43k▲ 287%€80k▲ 87.6%
Operating result€-1k-€33k€65k▲ 95.7%€46k▼ 28.8%€56k▲ 21.5%
Net result€-1k-€33k€49k▲ 49.6%€32k▼ 35.8%€37k▲ 18.1%
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 21% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €158k
Fixed assets
€13k▲ 88.9%
Current assets
€145k▲ 28.2%
Equity and liabilities €158k
Equity
€80k▲ 87.6%
Debt
€79k▲ 1.0%
The debt ratio falls from 64.6% to 49.6%: equity grows faster than debt.
Key figures and ratios
EBITDA
€62k▲
2024 · €50k
Cash flow
€43k▲
2024 · €35k
Solvency
50.4%▲
2024 · 35.4%
Current ratio
1.85▲
2024 · 1.46
Quick ratio
1.85▲
2024 · 1.46
Debt / equity
0.98▼
2024 · 1.83
ROE
46.7%▼
2024 · 74.2%
ROA
23.5%▼
2024 · 26.2%
Interest coverage
13.79▼
2024 · 26.41
Debt
€79k▲
2024 · €78k
Debt ≤ 1 year
€79k▲
2024 · €78k
Income taxes
€14k▲
2024 · €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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€120k€158k▲
Fixed assets21/28€7k€13k▲
Tangible fixed assets22/27€7k€13k▲
Plant, machinery and equipment23€3k€4k▲
Furniture and vehicles24€4k€9k▲
Current assets29/58€113k€145k▲
Amounts receivable within one year40/41€97k€42k▼
Trade receivables40€97k€42k▼
Other amounts receivable41-€745
Cash at bank and in hand54/58€16k€103k▲
Equity and liabilities
Total equity and liabilities10/49€120k€158k▲
Equity10/15€43k€80k▲
Contributions10/11€10k€10k=
Reserves13€33k€70k▲
Non-distributable reserves130/1€32k€69k▲
Reserves not available under the articles1311€32k€69k▲
Distributable reserves133€1k€1k=
Amounts payable17/49€78k€79k▲
Amounts payable within one year42/48€78k€79k▲
Current portion of amounts payable after more than one year42-€5k
Trade debts44€2k€946▼
Suppliers440/4€2k€946▼
Taxes, remuneration and social security45€22k€11k▼
Taxes450/3€22k€11k▼
Other amounts payable47/48€54k€62k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€6k▲
Other operating charges640/8€569€694▲
Gross operating margin9900€50k€62k▲
Operating profit (loss)9901€46k€56k▲
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€2k€4k▲
Recurring financial charges65€2k€4k▲
Profit (loss) for the period before taxes9903€44k€52k▲
Income taxes67/77€13k€14k▲
Profit (loss) for the period9904€32k€37k▲
Profit (loss) for the period to be appropriated9905€32k€37k▲
Appropriation of the result
Profit (loss) to be appropriated9906€32k€37k▲
Transfer to equity691/2€32k€37k▲
To other reserves6921€32k€37k▲
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
08-09
State Gazette act
Director resignation · Director discharge
Director appointment · Permanent representative
10-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 10 days late
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2020net €49k ▲49.6%
Operating result €65k, net result €49k, both a record.
22-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 22 days late
2022
31-12
Financial
Back to profitnet €33k
Net result €33k after 2 loss-making years.
31-12
Financial
Liquidity times 20current ratio 1.47
Current ratio from 0.07 to 1.47.
13-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 44 days late
2021
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2021
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
26-06-2021
Resigned as Director
Location & real-estate footprint
Registered office, Schoten · 1 establishment unit since 2019
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.
Kapellei 132900 SchotenGround area
5,400 m²
Building footprint
742 m²
Volume, LiDAR
8,003 m³
Parcel 11040D0153/00Z007, Flanders · tallest building 24.1 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
7 Habits
since 20192.292.861.848
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11040D0153/00Z007indicative | Flanders | 5,400 m² | 1 · 742 m² | 24.1 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
0 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Structure & network
Ownership & control
1 party7HabitsBE 0733.756.005
controls
Where this company holds controlthis company sits on their board1
1 location
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Of 82,218 companies in sector 70200 we hold annual accounts for 52,395. 39,962 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-09-2019
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.