8 MEREN 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 €11.13M and a net result of €770. Equity is growing by ~36.4% per year across the filed fiscal years. Its solvency ranks better than 61% of 2385 sector peers (fiscal year 2025). The company has been active since 2006 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 31-07-2026, 0 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
on the day
2024
9 d early
2023
35 d early
2022
20 d early
2021
33 d early
2020
12 d late
← 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema, statutory
Equity
€11.13M=
2024 · €11.13M
2018: €1.79M
2019: €1.99M
2020: €2.01M
2021: €5.43M
2022: €6.41M
2023: €10.21M
2024: €11.13M
2018 → 2025
Net result
€770▼ 99.9%
2024 · €912k
2018: €835k
2019: €201k
2020: €20k
2021: €3.43M
2022: €3.47M
2023: €3.81M
2024: €912k
2018 → 2025
Total assets
€15.17M▼ 0.8%
2024 · €15.29M
2018: €3.61M
2019: €3.83M
2020: €3.89M
2021: €10.23M
2022: €10.92M
2023: €14.45M
2024: €15.29M
2018 → 2025
Solvency
73.3%▲ 0.6pp
2024 · 72.8%
2018: 49.4%
2019: 51.9%
2020: 51.7%
2021: 53.1%
2022: 58.7%
2023: 70.7%
2024: 72.8%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€717k-€1.07M▲ 49.6%€1.25M▲ 16.3%€1.45M▲ 16.5%€1.48M▲ 1.7%
Equity€5.43M-€6.41M▲ 17.9%€10.21M▲ 59.4%€11.13M▲ 8.9%€11.13M=
Operating result€-41k-€153k€96k▼ 37.3%€-119k€-669k▼ 460%
Net result€3.43M-€3.47M▲ 1.4%€3.81M▲ 9.5%€912k▼ 76.0%€770▼ 99.9%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €669k in 2025 against €119k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €15.17M
Fixed assets
€5.43M▼ 22.9%
Current assets
€9.74M▲ 18.0%
Equity and liabilities €15.17M
Equity
€11.13M=
Debt
€4.05M▼ 2.9%
The debt ratio falls from 27.2% to 26.7%. Debt is lower.
Key figures and ratios
Solvency
73.3%▲
2024 · 72.8%
ROE
0.0%▼
2024 · 8.2%
ROA
0.0%▼
2024 · 6.0%
Debt
€4.05M▼
2024 · €4.17M
Debt ≤ 1 year
€2.22M▲
2024 · €2.17M
Debt > 1 year
€1.80M▼
2024 · €1.98M
Income taxes
€3k▼
2024 · €61k
Staff costs
€731k▼
2024 · €764k
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€15.29M€15.17M▼
Fixed assets21/28€7.04M€5.43M▼
Tangible fixed assets22/27€4.25M€4.11M▼
Land and buildings22€4.04M€3.94M▼
Plant, machinery and equipment23€5k€2k▼
Furniture and vehicles24€204k€172k▼
Financial fixed assets28€2.79M€1.32M▼
Affiliated companies280/1€2.79M€1.32M▼
Participating interests280€2.79M€1.32M▼
Other financial fixed assets284/8€43€43=
Amounts receivable and cash guarantees285/8€43€43=
Current assets29/58€8.26M€9.74M▲
Amounts receivable after more than one year29€904k€2.06M▲
Other amounts receivable291€904k€2.06M▲
Amounts receivable within one year40/41€1.04M€1.42M▲
Trade receivables40€383k€400k▲
Other amounts receivable41€654k€1.02M▲
Current investments50/53-€235k
Other investments51/53-€235k
Cash at bank and in hand54/58€6.31M€6.04M▼
Deferred charges and accrued income490/1€3k-
Equity and liabilities
Total equity and liabilities10/49€15.29M€15.17M▼
Equity10/15€11.13M€11.13M=
Contributions10/11€64k€62k▼
Capital10€64k€62k▼
Issued capital100€64k€62k▼
Reserves13€6k€8k▲
Non-distributable reserves130/1€6k€6k▼
Legal reserve130€6k€6k▼
Distributable reserves133-€2k
Profit (loss) carried forward14€11.06M€11.06M=
Amounts payable17/49€4.17M€4.05M▼
Amounts payable after more than one year17€1.98M€1.80M▼
Financial debts170/4€1.98M€1.80M▼
Credit institutions173€1.98M€1.80M▼
Amounts payable within one year42/48€2.17M€2.22M▲
Current portion of amounts payable after more than one year42€173k€175k▲
Trade debts44€77k€66k▼
Suppliers440/4€77k€66k▼
Taxes, remuneration and social security45€97k€106k▲
Taxes450/3€23k€24k▲
Remuneration and social security454/9€74k€82k▲
Other amounts payable47/48€1.83M€1.87M▲
Accrued charges and deferred income492/3€14k€22k▲
Income statement
Code20242025
Operating income70/76A€1.49M€1.51M▲
Turnover70€1.45M€1.48M▲
Other operating income74€41k€11k▼
Non-recurring operating income76A-€19k
Operating charges60/66A€1.61M€2.17M▲
Services and other goods61€570k€619k▲
Remuneration, social security and pensions62€764k€731k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€173k€139k▼
Other operating charges640/8€28k€41k▲
Non-recurring operating charges66A€76k€645k▲
Operating profit (loss)9901€-119k€-669k▼
Financial income75/76B€1.17M€2.22M▲
Recurring financial income75€1.17M€2.22M▲
Income from financial fixed assets750€1.00M€2.00M▲
Income from current assets751€149k€109k▼
Other financial income752/9€19k€107k▲
Financial charges65/66B€76k€1.54M▲
Recurring financial charges65€76k€74k▼
Debt charges650€74k€71k▼
Other financial charges652/9€1k€2k▲
Non-recurring financial charges66B-€1.47M
Profit (loss) for the period before taxes9903€973k€4k▼
Income taxes67/77€61k€3k▼
Taxes670/3€61k€3k▼
Tax adjustments and reversals of tax provisions77€381-
Profit (loss) for the period9904€912k€770▼
Profit (loss) for the period to be appropriated9905€912k€770▼
Appropriation of the result
Profit (loss) to be appropriated9906€11.06M€11.06M=
Profit (loss) brought forward from the previous period14P€10.14M€11.06M▲
Social balance
Average headcount (FTE)90876.16.3▲
The notes to these accounts (65 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Weakest financial yearnet €770 ▼99.9%
Net result drops to €770, the lowest in the series.
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
07-01
NBB filing
Annual accounts filed
fiscal year 2023 · consolidated
2024
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Highest result since 2018net €3.81M ▲9.5%
Net result €3.81M, the highest in the series.
31-12
Financial
Liquidity doublescurrent ratio 3.51
Current ratio from 1.74 to 3.51; short-term debt falls from €2.14M to €2.07M.
31-12
Financial
Equity above €10MEq €10.21M ▲59.4%
6 profitable years in a row build equity to €10.21M.
08-09
NBB filing
Annual accounts filed
fiscal year 2022 · consolidated
11-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
22-09
NBB filing
Annual accounts filed
fiscal year 2021 · consolidated
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Liquidity doublescurrent ratio 1.42
Current ratio from 0.57 to 1.42.
31-12
Financial
Equity above €5MEq €5.43M ▲171%
4 profitable years in a row build equity to €5.43M.
30-11
NBB filing
Annual accounts filed
fiscal year 2020 · consolidated · 12 days late
12-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 12 days late
2020
31-12
Financial
Equity above €2MEq €2.01M ▲1%
3 profitable years in a row build equity to €2.01M.
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Wommelgem · 1 establishment unit since 2006
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.
Uilenbaan 902160 WommelgemGround area
452 m²
Building footprint
453 m²
Volume, LiDAR
3,038 m³
Parcel 11052C0210/00R000, Flanders · tallest building 7.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
EIGHT LAKES
since 20062.155.253.787
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11052C0210/00R000 | Flanders | 452 m² | 1 · 452 m² | 7.4 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.
Recognitions · licences · registrations
Legal Entity Identifier
699400FAR3T5STC0O580
Similar companies · same sector, comparable size
Studibo Belgium
BE 0789.522.689
Merelbeke-Melle · Eq €11.13M
THRIBE
BE 0777.726.895
Schelle · Eq €11.12M
MACH 6
BE 0793.482.170
Saint-Ghislain · Eq €11.12M
GREGOIR HOLDING
BE 0475.506.668
Jette · Eq €11.13M
SESHAT
BE 0831.802.516
Gent · Eq €11.14M
Of 24,728 companies in sector 64210 we hold annual accounts for 19,760. 5,742 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded05-07-2006
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 23 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.