4-FORESEE is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2026 annual accounts show equity of €63k and a net result of €92k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 25% of 108 sector peers (fiscal year 2026). The company has been active since 2019 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 31-03-2026 was due by 31-10-2026 and was filed on 18-09-2026, 43 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2026
43 d early
2025
3 d early
2024
9 d early
2023
7 d early
2022
24 d early
2021
31 d early
2020
29 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2027 and is due by 31-10-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
20-09-2026 today31-03-2027 close31-10-2027 deadline
Financials · fiscal year 2026, micro schema
Equity
€63k▼ 56.9%
2025 · €146k
2020: €63k
2021: €146k
2022: €206k
2023: €206k
2024: €206k
2025: €146k
2020 → 2026
Net result
€92k▼ 1.5%
2025 · €94k
2020: €60k
2021: €83k
2022: €60k
2023: €67k
2024: €95k
2025: €94k
2020 → 2026
Total assets
€257k▼ 33.8%
2025 · €388k
2020: €147k
2021: €233k
2022: €262k
2023: €298k
2024: €322k
2025: €388k
2020 → 2026
Solvency
24.5%▼ 13.1pp
2025 · 37.7%
2020: 42.7%
2021: 62.6%
2022: 78.7%
2023: 69.1%
2024: 64.0%
2025: 37.7%
2020 → 2026
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20222023202420252026Trend
Equity€206k-€206k=€206k=€146k▼ 29.0%€63k▼ 56.9%
Operating result€85k-€85k▼ 0.8%€122k▲ 44.4%€122k▼ 0.2%€120k▼ 1.7%
Net result€60k-€67k▲ 12.0%€95k▲ 40.7%€94k▼ 0.9%€92k▼ 1.5%
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 has fallen two years in a row; 2026 is 2% below 2025.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €257k
Fixed assets
€30k▼ 17.7%
Current assets
€228k▼ 35.4%
Equity and liabilities €257k
Equity
€63k▼ 56.9%
Debt
€194k▼ 19.8%
The debt ratio rises from 62.3% to 75.5%. Equity and debt are lower.
Key figures and ratios
Solvency
24.5%▼
2025 · 37.7%
ROE
146.5%▲
2025 · 64.1%
ROA
35.9%▲
2025 · 24.1%
Debt
€194k▼
2025 · €242k
Debt ≤ 1 year
€194k▼
2025 · €242k
Income taxes
€28k▲
2025 · €28k
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 · 2026 against 2025
Balance sheet
Code20252026
Assets
Total assets20/58€388k€257k▼
Fixed assets21/28€36k€30k▼
Tangible fixed assets22/27€36k€30k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€14k€12k▼
Other tangible fixed assets26€19k€16k▼
Current assets29/58€352k€228k▼
Amounts receivable within one year40/41€39k€41k▲
Trade receivables40€24k€24k▲
Other amounts receivable41€15k€17k▲
Current investments50/53€64k€74k▲
Cash at bank and in hand54/58€244k€106k▼
Deferred charges and accrued income490/1€6k€6k▲
Equity and liabilities
Total equity and liabilities10/49€388k€257k▼
Equity10/15€146k€63k▼
Contributions10/11€3k€3k=
Reserves13€143k€60k▼
Distributable reserves133€143k€60k▼
Amounts payable17/49€242k€194k▼
Amounts payable within one year42/48€242k€194k▼
Trade debts44-€367
Suppliers440/4-€367
Taxes, remuneration and social security45€10k€11k▲
Taxes450/3€10k€11k▲
Other amounts payable47/48€232k€183k▼
Income statement
Code20252026
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€6k▲
Other operating charges640/8€3k€3k▲
Gross operating margin9900€130k€129k▼
Operating profit (loss)9901€122k€120k▼
Financial income75/76B€490€2k▲
Recurring financial income75€490€2k▲
Financial charges65/66B€824€867▲
Recurring financial charges65€824€867▲
Profit (loss) for the period before taxes9903€121k€121k▼
Income taxes67/77€28k€28k▲
Profit (loss) for the period9904€94k€92k▼
Profit (loss) for the period to be appropriated9905€94k€92k▼
Appropriation of the result
Profit (loss) to be appropriated9906€94k€92k▼
Transfer from equity791/2€60k€83k▲
Profit to be distributed694/7€153k€176k▲
Return on contributions (dividend)694€153k€176k▲
The notes to these accounts (4 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 2027, expected by
2026
18-09
NBB filing
Annual accounts filed
fiscal year 2026 · micro schema
2025
28-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
22-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Highest result since 2020net €95k ▲40.7%
Operating result €122k, net result €95k, both a record.
2023
24-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
07-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
31-03
Financial
Equity above €200kEq €206k ▲41.1%
3 profitable years in a row build equity to €206k.
2021
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
31-03
Financial
Equity above €100kEq €146k ▲133%
2 profitable years in a row build equity to €146k.
2020
02-10
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Zulte · 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.
Binnenaert 99870 ZulteGround area
751 m²
Building footprint
141 m²
Volume, LiDAR
683 m³
Parcel 44050A0766/00M002, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
4-FORESEE
since 20192.289.613.833
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44050A0766/00M002 | Flanders | 751 m² | 1 · 141 m² | 8.4 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 24,728 companies in sector 64210 we hold annual accounts for 19,760. 11,093 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-05-2019
Fiscal year end31-03
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.