10Belgium 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 €1.50M and a net result of €-15k. Equity remains stable across the filed fiscal years (±0.5% per year). Its solvency ranks better than 95% of 5498 sector peers (fiscal year 2025). The company has been active since 1998 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
Three signals. The signal on the left, the evidence on the right.
○neutral
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 15-06-2026, 46 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
46 d early
2024
30 d early
2023
28 d late
2022
22 d late
2021
31 d early
2020
50 d early
2019
35 d early
← 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.50M▼ 1.0%
2024 · €1.51M
2018: €1.17M
2019: €1.55M
2020: €1.56M
2021: €1.57M
2022: €1.54M
2023: €1.52M
2024: €1.51M
2018 → 2025
Net result
€-15k▼ 79.9%
2024 · €-8k
2018: €-40k
2019: €378k
2020: €15k
2021: €4k
2022: €-32k
2023: €-14k
2024: €-8k
2018 → 2025
Total assets
€1.52M=
2024 · €1.52M
2018: €1.33M
2019: €1.55M
2020: €1.57M
2021: €1.57M
2022: €1.54M
2023: €1.57M
2024: €1.52M
2018 → 2025
Solvency
98.8%▼ 1.0pp
2024 · 99.8%
2018: 87.7%
2019: 99.6%
2020: 99.6%
2021: 99.8%
2022: 99.8%
2023: 97.1%
2024: 99.8%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.57M-€1.54M▼ 2.0%€1.52M▼ 0.9%€1.51M▼ 0.6%€1.50M▼ 1.0%
Operating result€-7k-€-46k▼ 526%€-28k▲ 39.3%€-22k▲ 20.8%€-29k▼ 30.5%
Net result€4k-€-32k€-14k▲ 55.8%€-8k▲ 40.8%€-15k▼ 79.9%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €29k in 2025 against €22k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.52M
Fixed assets
€2k▼ 28.7%
Current assets
€1.51M=
Equity and liabilities €1.52M
Equity
€1.50M▼ 1.0%
Debt
€18k▲ 409%
The debt ratio rises from 0.2% to 1.2%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
98.8%▼
2024 · 99.8%
ROE
-1.0%▼
2024 · -0.6%
ROA
-1.0%▼
2024 · -0.6%
Debt
€18k▲
2024 · €4k
Debt ≤ 1 year
€18k▲
2024 · €4k
Income taxes
€224▼
2024 · €244
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€1.52M€1.52M=
Fixed assets21/28€3k€2k▼
Tangible fixed assets22/27€3k€2k▼
Other tangible fixed assets26€3k€2k▼
Financial fixed assets28€150€150=
Current assets29/58€1.51M€1.51M=
Amounts receivable after more than one year29€1.40M€1.40M=
Other amounts receivable291€1.40M€1.40M=
Amounts receivable within one year40/41€13k€12k▼
Trade receivables40€0-
Other amounts receivable41€13k€12k▼
Cash at bank and in hand54/58€16k€4k▼
Deferred charges and accrued income490/1€85k€98k▲
Equity and liabilities
Total equity and liabilities10/49€1.52M€1.52M=
Equity10/15€1.51M€1.50M▼
Contributions10/11€1.33M€1.33M=
Capital10€1.33M€1.33M=
Issued capital100€1.33M€1.33M=
Reserves13€13k€13k=
Non-distributable reserves130/1€13k€13k=
Legal reserve130€13k€13k=
Profit (loss) carried forward14€169k€154k▼
Amounts payable17/49€4k€18k▲
Amounts payable within one year42/48€4k€18k▲
Trade debts44€2k€2k=
Suppliers440/4€2k€2k=
Taxes, remuneration and social security45€244€224▼
Taxes450/3€244€224▼
Other amounts payable47/48€1k€16k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€817€817=
Other operating charges640/8€2k€2k▲
Gross operating margin9900€-20k€-26k▼
Operating profit (loss)9901€-22k€-29k▼
Financial income75/76B€14k€14k=
Recurring financial income75€14k€14k=
Financial charges65/66B€133€139▲
Recurring financial charges65€133€139▲
Profit (loss) for the period before taxes9903€-8k€-15k▼
Income taxes67/77€244€224▼
Profit (loss) for the period9904€-8k€-15k▼
Profit (loss) for the period to be appropriated9905€-8k€-15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€169k€154k▼
Profit (loss) brought forward from the previous period14P€177k€169k▼
The notes to these accounts (10 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
15-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Liquidity times 12current ratio 425.82
Current ratio from 34.64 to 425.82; short-term debt falls from €45k to €4k.
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 28 days late
2023
22-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 22 days late
2022
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Liquidity triplescurrent ratio 627.85
Current ratio from 244.43 to 627.85; short-term debt falls from €6k to €3k.
11-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
26-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Back to profitnet €378k
Net result €378k after one loss-making year.
31-12
Financial
Liquidity times 315current ratio 279.08
Current ratio from 0.88 to 279.08; short-term debt falls from €165k to €6k.
18-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
17-07
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
14 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, Brasschaat · 1 establishment unit since 1999
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.
Zegersdreef 12930 BrasschaatGround area
3,187 m²
Building footprint
354 m²
Volume, LiDAR
2,509 m³
Parcel 11322E0185/00S002, Flanders · tallest building 13.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Zegersdreef 1, 2930 Brasschaat
since 19992.090.618.135
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11322E0185/00S002 | Flanders | 3,187 m² | 1 · 354 m² | 13.1 m · 3 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 24,726 companies in sector 64210 we hold annual accounts for 19,747. 11,757 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded15-12-1998
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
74151
61100Wired, wireless and satellite telecommunications
61200Telecommunications
Sources
Crossroads Bank for EnterprisesNational Bank · 26 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.