Summary
4T is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €206k and a net result of €87k. Equity is growing by ~27.7% per year across the filed fiscal years. Its solvency ranks better than 67% of 3323 sector peers (fiscal year 2024). 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
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 31-12-2024 was due by 31-07-2025 and was filed on 02-07-2025, 29 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
not confirmed
2024
29 d early
2023
35 d early
2022
32 d late
2021
30 d late
2020
4 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€206k▲ 22.0%
2023 · €169k
2020: €63k
2021: €100k
2022: €129k
2023: €169k
2020 → 2024
Net result
€87k▲ 118%
2023 · €40k
2020: €62k
2021: €38k
2022: €44k
2023: €40k
2020 → 2024
Total assets
€302k▲ 34.8%
2023 · €224k
2020: €193k
2021: €198k
2022: €199k
2023: €224k
2020 → 2024
Solvency
68.4%▼ 7.2pp
2023 · 75.5%
2020: 32.4%
2021: 50.6%
2022: 64.9%
2023: 75.5%
2020 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€63k-€100k▲ 60.5%€129k▲ 28.7%€169k▲ 31.0%€206k▲ 22.0%
Operating result€87k-€60k▼ 31.0%€64k▲ 7.0%€60k▼ 5.6%€130k▲ 115%
Net result€62k-€38k▼ 38.6%€44k▲ 15.7%€40k▼ 8.5%€87k▲ 118%
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 recovers in 2024; 2024 is 115% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €302k
Fixed assets
€228k ▲ 70.4%
Current assets
€74k ▼ 17.8%
Equity and liabilities €302k
Equity
€206k ▲ 22.0%
Debt
€96k ▲ 74.3%
Debt's share of the balance-sheet total rises from 24.5% to 31.6%. Equity and debt are higher.
Key figures and ratios
ROE
42.3%▲
2023 · 23.7%
ROA
28.9%▲
2023 · 17.9%
Debt ≤ 1 year
€56k▲
2023 · €20k
Debt > 1 year
€40k▲
2023 · €35k
Income taxes
€36k▲
2023 · €18k
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 · 2024 against 2023 · 48 lines
Balance sheet
Code20232024
Assets
Total assets20/58€224k€302k▲
Fixed assets21/28€134k€228k▲
Tangible fixed assets22/27€41k€122k▲
Plant, machinery and equipment23€5k€4k▼
Furniture and vehicles24€10k€6k▼
Other tangible fixed assets26€14k€14k▲
Assets under construction and advance payments27€13k€97k▲
Financial fixed assets28€93k€106k▲
Current assets29/58€90k€74k▼
Amounts receivable within one year40/41-€10k
Trade receivables40-€8k
Other amounts receivable41-€2k
Cash at bank and in hand54/58€88k€62k▼
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€224k€302k▲
Equity10/15€169k€206k▲
Contributions10/11€1k€1k=
Reserves13€168k€205k▲
Distributable reserves133€168k€205k▲
Amounts payable17/49€55k€96k▲
Amounts payable after more than one year17€35k€40k▲
Financial debts170/4€35k€40k▲
Amounts payable within one year42/48€20k€56k▲
Current portion of amounts payable after more than one year42-€7k
Financial debts43€13k€6k▼
Credit institutions430/8€13k€6k▼
Trade debts44€5k€42k▲
Suppliers440/4€5k€42k▲
Taxes, remuneration and social security45€2k€749▼
Taxes450/3€2k€749▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€7k▲
Other operating charges640/8€754€2k▲
Gross operating margin9900€67k€138k▲
Operating profit (loss)9901€60k€130k▲
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€2k€7k▲
Recurring financial charges65€2k€7k▲
Profit (loss) for the period before taxes9903€58k€123k▲
Income taxes67/77€18k€36k▲
Profit (loss) for the period9904€40k€87k▲
Profit (loss) for the period to be appropriated9905€40k€87k▲
Appropriation of the result
Profit (loss) to be appropriated9906€40k€87k▲
Transfer from equity791/2-€50k
Transfer to equity691/2€40k€87k▲
To other reserves6921€40k€87k▲
Profit to be distributed694/7-€50k
Return on contributions (dividend)694-€50k
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
25-03
State Gazette act
Incorporation · Founding capital
First fiscal year · Director appointment
2025
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2020net €87k ▲118%
Operating result €130k, net result €87k, both a record.
31-12
Financial
Equity above €200kEq €206k ▲22%
5 profitable years in a row build equity to €206k.
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €150kEq €169k ▲31%
4 profitable years in a row build equity to €169k.
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Weakest financial yearnet €38k ▼38.6%
Net result drops to €38k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €100kEq €100k ▲60.5%
2 profitable years in a row build equity to €100k.
27-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
Financial milestoneState Gazette actNBB 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, Beveren-Kruibeke-Zwijndrecht · 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.
Parklaan 439150 Beveren-Kruibeke-ZwijndrechtGround area
672 m²
Building footprint
120 m²
Volume, LiDAR
763 m³
Parcel 46001B0943/00B002, Flanders · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
4T
since 20192.291.242.542
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46001B0943/00B002 | Flanders | 672 m² | 1 · 120 m² | 8.9 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.
Similar companies · same sector, comparable size
Bureau d'Assurances Boxus
BE 0811.956.613
Profondeville · Eq €206,431
M&G Verzekeringen
BE 0792.333.315
Halle · Eq €206,373
Estimos
BE 0460.315.082
Antwerpen · Eq €206,323
HINNENS VERZEKERINGEN
BE 0895.224.084
Houthulst · Eq €206,255
Assuri
BE 0475.813.110
Herentals · Eq €206,030
Of 4,683 companies in sector 66220 we hold annual accounts for 3,228. 2,817 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
Founded12-07-2019
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.