5D Solutions 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 €213k and a net result of €53k. Equity is growing by ~42% per year across the filed fiscal years. Its solvency ranks better than 24% of 9864 sector peers (fiscal year 2024). The company has been active since 2021 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.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 9864 sector peers (2024).
NBB · sector comparisonPosition among 9864 sector peers
Solvency
better than 24%
← weakest
strongest →
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 25-06-2025, 36 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
not confirmed
2024
36 d early
2023
27 d late
2022
27 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€213k▲ 33.3%
2023 · €160k
2022: €78k
2023: €160k
2022 → 2024
Net result
€53k▼ 43.3%
2023 · €94k
2022: €76k
2023: €94k
2022 → 2024
Total assets
€917k▼ 21.8%
2023 · €1.17M
2022: €392k
2023: €1.17M
2022 → 2024
Solvency
23.2%▲ 9.6pp
2023 · 13.6%
2022: 20.0%
2023: 13.6%
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Equity€78k-€160k▲ 103%€213k▲ 33.3%
Operating result€101k-€129k▲ 27.9%€96k▼ 25.9%
Net result€76k-€94k▲ 23.2%€53k▼ 43.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 26% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €917k
Fixed assets
€772k▲ 65.0%
Current assets
€145k▼ 79.4%
Equity and liabilities €917k
Equity
€213k▲ 33.3%
Debt
€705k▼ 30.5%
The debt ratio falls from 86.4% to 76.8%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
23.2%▲
2023 · 13.6%
ROE
25.0%▼
2023 · 58.7%
ROA
5.8%▼
2023 · 8.0%
Debt
€705k▼
2023 · €1.01M
Debt ≤ 1 year
€443k▼
2023 · €505k
Debt > 1 year
€259k▼
2023 · €509k
Income taxes
€15k▼
2023 · €20k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€1.17M€917k▼
Fixed assets21/28€468k€772k▲
Tangible fixed assets22/27€28k€332k▲
Land and buildings22-€313k
Furniture and vehicles24€28k€19k▼
Financial fixed assets28€440k€440k=
Current assets29/58€706k€145k▼
Stocks and contracts in progress3€682k€117k▼
Stocks30/36€682k€117k▼
Amounts receivable within one year40/41€15k€13k▼
Trade receivables40€10k€13k▲
Other amounts receivable41€5k-
Cash at bank and in hand54/58€9k€15k▲
Deferred charges and accrued income490/1€139-
Equity and liabilities
Total equity and liabilities10/49€1.17M€917k▼
Equity10/15€160k€213k▲
Contributions10/11€3k€3k=
Reserves13-€210k
Distributable reserves133-€210k
Profit (loss) carried forward14€157k-
Amounts payable17/49€1.01M€705k▼
Amounts payable after more than one year17€509k€259k▼
Financial debts170/4€509k€259k▼
Amounts payable within one year42/48€505k€443k▼
Current portion of amounts payable after more than one year42€47k-
Financial debts43-€225k
Credit institutions430/8-€225k
Trade debts44€16k€17k▲
Suppliers440/4€16k€17k▲
Taxes, remuneration and social security45€33k€48k▲
Taxes450/3€31k€48k▲
Remuneration and social security454/9€2k-
Other amounts payable47/48€408k€153k▼
Accrued charges and deferred income492/3-€2k
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€20k▲
Other operating charges640/8€1k€10k▲
Gross operating margin9900€138k€125k▼
Operating profit (loss)9901€129k€96k▼
Financial income75/76B€1€13▲
Recurring financial income75€1€13▲
Financial charges65/66B€15k€28k▲
Recurring financial charges65€15k€28k▲
Profit (loss) for the period before taxes9903€114k€68k▼
Income taxes67/77€20k€15k▼
Profit (loss) for the period9904€94k€53k▼
Profit (loss) for the period to be appropriated9905€94k€53k▼
Appropriation of the result
Profit (loss) to be appropriated9906€170k€210k▲
Profit (loss) brought forward from the previous period14P€76k€157k▲
Transfer to equity691/2-€210k
To other reserves6921-€210k
Profit to be distributed694/7€13k-
Directors or managers695€13k-
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
25-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €53k ▼43.3%
Net result drops to €53k, the lowest in the series.
31-12
Financial
Equity above €200kEq €213k ▲33.3%
3 profitable years in a row build equity to €213k.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
31-12
Financial
Highest result since 2022net €94k ▲23.2%
Operating result €129k, net result €94k, both a record.
31-12
Financial
Equity above €150kEq €160k ▲103%
2 profitable years in a row build equity to €160k.
27-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 27 days late
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, Lummen · 1 establishment unit since 2021
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.
Haagdoornstraat 63560 LummenGround area
1,084 m²
Building footprint
231 m²
Volume, LiDAR
1,066 m³
Parcel 71037C2161/00L000, Flanders · tallest building 6.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
5D Solutions
since 20212.319.596.830
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71037C2161/00L000 | Flanders | 1,084 m² | 1 · 231 m² | 6.8 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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 509 EUR awarded · 509 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 509 EUR | 509 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,760. 13,536 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-06-2021
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 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.