100% is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €175k and a net result of €-33k. Equity is growing by ~35.6% per year across the filed fiscal years. Its solvency ranks better than 19% of 5507 sector peers (fiscal year 2025). The company has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 5507 sector peers (2025).
NBB · sector comparisonPosition among 5507 sector peers
Solvency
better than 19%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
1 d early
2023
40 d early
2022
1 d early
2021
4 d early
2020
2 d early
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close18-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€175k▼ 16.0%
2024 · €208k
2019: €13k
2020: €25k
2021: €59k
2022: €85k
2023: €145k
2024: €208k
2019 → 2025
Net result
€-33k
2024 · €64k
2019: €20k
2020: €20k
2021: €34k
2022: €27k
2023: €62k
2024: €64k
2019 → 2025
Total assets
€994k▼ 22.3%
2024 · €1.28M
2019: €32k
2020: €141k
2021: €326k
2022: €1.12M
2023: €1.28M
2024: €1.28M
2019 → 2025
Solvency
17.6%▲ 1.3pp
2024 · 16.3%
2019: 39.9%
2020: 17.7%
2021: 18.2%
2022: 7.5%
2023: 11.3%
2024: 16.3%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€59k-€85k▲ 42.6%€145k▲ 71.7%€208k▲ 43.3%€175k▼ 16.0%
Operating result€55k-€39k▼ 29.6%€111k▲ 186%€124k▲ 11.2%€-4k
Net result€34k-€27k▼ 21.7%€62k▲ 132%€64k▲ 3.5%€-33k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €4k after €124k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €994k
Fixed assets
€954k▼ 4.0%
Current assets
€40k▼ 86.1%
Equity and liabilities €994k
Equity
€175k▼ 16.0%
Debt
€819k▼ 23.6%
The debt ratio falls from 83.7% to 82.4%. Equity and debt are lower.
Key figures and ratios
Solvency
17.6%▲
2024 · 16.3%
ROE
-19.0%▼
2024 · 31.0%
ROA
-3.3%▼
2024 · 5.0%
Debt
€819k▼
2024 · €1.07M
Debt ≤ 1 year
€198k▼
2024 · €410k
Debt > 1 year
€616k▲
2024 · €593k
Income taxes
€174▼
2024 · €32k
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€1.28M€994k▼
Fixed assets21/28€994k€954k▼
Tangible fixed assets22/27€786k€747k▼
Land and buildings22€781k€742k▼
Plant, machinery and equipment23€923€683▼
Furniture and vehicles24€4k€5k▲
Financial fixed assets28€208k€208k=
Current assets29/58€286k€40k▼
Amounts receivable after more than one year29€22k€0▼
Other amounts receivable291€22k€0▼
Stocks and contracts in progress3€243k€0▼
Stocks30/36€243k€0▼
Amounts receivable within one year40/41€16k€15k▼
Trade receivables40€16k€15k▼
Other amounts receivable41€121€214▲
Cash at bank and in hand54/58€286€18k▲
Deferred charges and accrued income490/1€4k€7k▲
Equity and liabilities
Total equity and liabilities10/49€1.28M€994k▼
Equity10/15€208k€175k▼
Contributions10/11€12k€12k=
Reserves13€197k€197k=
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€197k€197k=
Profit (loss) carried forward14€-1k€-35k▼
Amounts payable17/49€1.07M€819k▼
Amounts payable after more than one year17€593k€616k▲
Financial debts170/4€593k€616k▲
Amounts payable within one year42/48€410k€198k▼
Current portion of amounts payable after more than one year42€95k€72k▼
Financial debts43€170k€2k▼
Credit institutions430/8€170k€2k▼
Trade debts44€34k€31k▼
Suppliers440/4€34k€31k▼
Taxes, remuneration and social security45€76k€34k▼
Taxes450/3€76k€34k▼
Remuneration and social security454/9€192€0▼
Other amounts payable47/48€33k€59k▲
Accrued charges and deferred income492/3€69k€6k▼
Income statement
Code20242025
Non-recurring operating income76A€2k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€40k€41k▲
Other operating charges640/8€5k€4k▼
Gross operating margin9900€169k€41k▼
Operating profit (loss)9901€124k€-4k▼
Financial income75/76B€31€61▲
Recurring financial income75€31€61▲
Financial charges65/66B€28k€29k▲
Recurring financial charges65€28k€29k▲
Profit (loss) for the period before taxes9903€96k€-33k▼
Income taxes67/77€32k€174▼
Profit (loss) for the period9904€64k€-33k▼
Profit (loss) for the period to be appropriated9905€64k€-33k▼
Appropriation of the result
Profit (loss) to be appropriated9906€63k€-35k▼
Profit (loss) brought forward from the previous period14P€-1k€-1k=
Transfer to equity691/2€63k€0▼
To other reserves6921€63k€0▼
Profit to be distributed694/7€2k€0▼
Return on contributions (dividend)694€2k€0▼
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (19 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
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-06
Financial
Weakest financial yearnet €-33k ▼152%
Net result drops to €-33k, the lowest in the series.
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-06
Financial
Highest result since 2019net €64k ▲3.5%
Operating result €124k, net result €64k, both a record.
30-06
Financial
Equity above €200kEq €208k ▲43.3%
6 profitable years in a row build equity to €208k.
2023
22-12
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
30-06
Financial
Equity above €100kEq €145k ▲71.7%
5 profitable years in a row build equity to €145k.
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
27-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
10-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Ieper · 1 establishment unit since 2010
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.
Slachthuisstraat 428900 IeperGround area
424 m²
Building footprint
258 m²
Volume, LiDAR
1,922 m³
2 parcels, Flanders · tallest building 14.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
BARBEZ KOEN - BANK & VERZEKERINGEN
since 20102.189.732.240
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 33011F0179/09M002 | Flanders | 231 m² | 1 · 103 m² | 12.7 m · 3 fl. |
| 33011C0001/04W007 | Flanders | 193 m² | 1 · 154 m² | 14.3 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 24,727 companies in sector 64210 we hold annual accounts for 19,754. 13,451 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-03-2010
Fiscal year end30-06
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.