Summary
1M_2 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 €636k and a net result of €834. Equity remains stable across the filed fiscal years (±0.3% per year). Its solvency ranks better than 27% of 5527 sector peers (fiscal year 2025). The company has been active since 2018 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 check for your own amount and term
Signals
1 signal. 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 30-07-2026, 1 day ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
1 d early
2024
on the day
2023
29 d late
2022
21 d late
2021
11 d early
2020
16 d early
2019
3 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€636k▲ 0.1%
2024 · €635k
2020: €621k
2021: €630k
2022: €630k
2023: €635k
2024: €635k
2020 → 2025
Net result
€834▲ 215%
2024 · €265
2020: €21k
2021: €9k
2022: €-744
2023: €5k
2024: €265
2020 → 2025
Total assets
€2.39M▼ 7.4%
2024 · €2.58M
2020: €1.70M
2021: €1.83M
2022: €2.19M
2023: €2.38M
2024: €2.58M
2020 → 2025
Solvency
26.6%▲ 2.0pp
2024 · 24.6%
2020: 36.5%
2021: 34.4%
2022: 28.8%
2023: 26.6%
2024: 24.6%
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€630k-€630k▼ 0.1%€635k▲ 0.8%€635k=€636k▲ 0.1%
Operating result€40k-€39k▼ 3.9%€55k▲ 42.8%€58k▲ 5.3%€57k▼ 0.9%
Net result€9k-€-744€5k€265▼ 94.7%€834▲ 215%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 1% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.39M
Fixed assets
€1.08M =
Current assets
€1.30M ▼ 12.7%
Equity and liabilities €2.39M
Equity
€636k ▲ 0.1%
Debt
€1.75M ▼ 9.8%
Debt's share of the balance-sheet total falls from 75.4% to 73.4%. Equity is higher and debt is lower.
Key figures and ratios
ROE
0.1%▲
2024 · 0.0%
ROA
0.0%▲
2024 · 0.0%
Debt ≤ 1 year
€1.06M▼
2024 · €1.25M
Debt > 1 year
€693k=
2024 · €693k
Income taxes
€839▲
2024 · €825
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 41 lines
Balance sheet
Code20242025
Assets
Total assets20/58€2.58M€2.39M▼
Fixed assets21/28€1.08M€1.08M=
Financial fixed assets28€1.08M€1.08M=
Current assets29/58€1.49M€1.30M▼
Amounts receivable within one year40/41€671k€682k▲
Trade receivables40€40k€25k▼
Other amounts receivable41€631k€657k▲
Cash at bank and in hand54/58€822k€621k▼
Deferred charges and accrued income490/1-€928
Equity and liabilities
Total equity and liabilities10/49€2.58M€2.39M▼
Equity10/15€635k€636k▲
Contributions10/11€609k€609k=
Reserves13€26k€27k▲
Distributable reserves133€26k€27k▲
Profit (loss) carried forward14€0-
Amounts payable17/49€1.94M€1.75M▼
Amounts payable after more than one year17€693k€693k=
Financial debts170/4€693k€693k=
Amounts payable within one year42/48€1.25M€1.06M▼
Trade debts44€3k€3k▼
Suppliers440/4€3k€3k▼
Taxes, remuneration and social security45€825€4k▲
Taxes450/3€825€2k▲
Remuneration and social security454/9€0€2k▲
Other amounts payable47/48€1.24M€1.05M▼
Accrued charges and deferred income492/3€3k€3k=
Income statement
Code20242025
Other operating charges640/8€1k€1k▼
Gross operating margin9900€59k€59k▼
Operating profit (loss)9901€58k€57k▼
Financial income75/76B€25k€26k▲
Recurring financial income75€25k€26k▲
Financial charges65/66B€82k€82k▼
Recurring financial charges65€82k€82k▼
Profit (loss) for the period before taxes9903€1k€2k▲
Income taxes67/77€825€839▲
Profit (loss) for the period9904€265€834▲
Profit (loss) for the period to be appropriated9905€265€834▲
Appropriation of the result
Profit (loss) to be appropriated9906€26k€834▼
Profit (loss) brought forward from the previous period14P€26k€0▼
Transfer to equity691/2€26k€834▼
To other reserves6921€26k€834▼
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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 29 days late
2023
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
21-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 21 days late
2022
31-12
Financial
Weakest financial yearnet €-744 ▼108%
Net result drops to €-744, the lowest in the series; recovery starts the following year.
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
15-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
28-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Schelle · 1 establishment unit since 2018
Ground area
7,240 m²
Building footprint
1,218 m²
Volume, LiDAR
10,167 m³
Parcel 11038C0291/00N000, Flanders · tallest building 13.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
1M_2
since 20182.279.763.977
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11038C0291/00N000 | Flanders | 7,240 m² | 1 · 1,218 m² | 13.2 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.
Similar companies · same sector, comparable size
PIETRA
BE 0826.620.241
Gent · Eq €635,749
WOLK
BE 0563.678.975
Ledegem · Eq €635,903
W3NDAT
BE 0667.686.434
Waregem · Eq €635,350
ZEGMAAR
BE 0671.969.379
Antwerpen · Eq €635,084
VAN LOON INVEST
BE 0648.788.062
Kasterlee · Eq €636,310
Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 13,443 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded30-08-2018
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.