Summary
A.B.A.-FACTORING 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 €4.08M and a net result of €391k. Equity is growing by ~8% per year across the filed fiscal years. Its solvency ranks better than 66% of 5527 sector peers (fiscal year 2025). The company has been active since 1980 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 31-12-2025 was due by 31-07-2026 and was filed on 20-07-2026, 11 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
11 d early
2024
1 d early
2023
1 d early
2022
4 d early
2021
24 d early
2020
5 d early
2019
1 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
Equity
€4.08M▲ 10.5%
2024 · €3.70M
2018: €2.27M
2019: €2.51M
2020: €2.73M
2021: €3.00M
2022: €3.33M
2023: €3.53M
2024: €3.70M
2018 → 2025
Net result
€391k▲ 129%
2024 · €171k
2018: €325k
2019: €243k
2020: €224k
2021: €278k
2022: €334k
2023: €203k
2024: €171k
2018 → 2025
Total assets
€5.96M▲ 11.1%
2024 · €5.36M
2018: €4.90M
2019: €5.27M
2020: €3.81M
2021: €4.01M
2022: €5.42M
2023: €6.13M
2024: €5.36M
2018 → 2025
Solvency
68.6%▼ 0.4pp
2024 · 69.0%
2018: 46.4%
2019: 47.6%
2020: 71.7%
2021: 74.8%
2022: 61.5%
2023: 57.6%
2024: 69.0%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€3.00M-€3.33M▲ 11.0%€3.53M▲ 6.0%€3.70M▲ 4.7%€4.08M▲ 10.5%
Operating result€383k-€468k▲ 22.3%€359k▼ 23.3%€353k▼ 1.8%€608k▲ 72.3%
Net result€278k-€334k▲ 20.5%€203k▼ 39.4%€171k▼ 15.8%€391k▲ 129%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 72% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €5.96M
Fixed assets
€88k ▼ 1.8%
Current assets
€5.87M ▲ 11.3%
Equity and liabilities €5.96M
Equity
€4.08M ▲ 10.5%
Debt
€1.87M ▲ 12.6%
Debt's share of the balance-sheet total rises from 31.0% to 31.4%. Equity and debt are higher.
Key figures and ratios
ROE
9.6%▲
2024 · 4.6%
ROA
6.6%▲
2024 · 3.2%
Debt ≤ 1 year
€1.83M▲
2024 · €1.40M
Debt > 1 year
€0▼
2024 · €240k
Income taxes
€131k▲
2024 · €58k
Staff costs
€160k▲
2024 · €139k
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 · 58 lines
Balance sheet
Code20242025
Assets
Total assets20/58€5.36M€5.96M▲
Fixed assets21/28€89k€88k▼
Tangible fixed assets22/27€84k€83k▼
Land and buildings22€0-
Plant, machinery and equipment23€84k€76k▼
Furniture and vehicles24-€7k
Financial fixed assets28€5k€5k=
Current assets29/58€5.27M€5.87M▲
Amounts receivable within one year40/41€4.56M€5.63M▲
Trade receivables40€4.50M€5.54M▲
Other amounts receivable41€59k€88k▲
Cash at bank and in hand54/58€704k€234k▼
Deferred charges and accrued income490/1€6k€6k▲
Equity and liabilities
Total equity and liabilities10/49€5.36M€5.96M▲
Equity10/15€3.70M€4.08M▲
Contributions10/11€180k€180k=
Reserves13€3.52M€3.90M▲
Non-distributable reserves130/1€277€277=
Reserves not available under the articles1311€277€277=
Tax-exempt reserves132€42k€42k=
Distributable reserves133€3.48M€3.86M▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€1.66M€1.87M▲
Amounts payable after more than one year17€240k€0▼
Financial debts170/4€240k€0▼
Amounts payable within one year42/48€1.40M€1.83M▲
Financial debts43€1.00M€1.20M▲
Credit institutions430/8€1.00M€1.20M▲
Trade debts44€370k€566k▲
Suppliers440/4€370k€566k▲
Taxes, remuneration and social security45€26k€56k▲
Taxes450/3€247€25k▲
Remuneration and social security454/9€26k€31k▲
Other amounts payable47/48€4k€4k▼
Accrued charges and deferred income492/3€21k€46k▲
Income statement
Code20242025
Non-recurring operating income76A€10k€228▼
Remuneration, social security and pensions62€139k€160k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€44k€40k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€0-
Provisions for liabilities and charges: additions (uses and reversals)635/8€0-
Other operating charges640/8€681€1k▲
Non-recurring operating charges66A€21k€3k▼
Gross operating margin9900€558k€812k▲
Operating profit (loss)9901€353k€608k▲
Financial income75/76B€637€375▼
Recurring financial income75€637€375▼
Financial charges65/66B€125k€87k▼
Recurring financial charges65€125k€87k▼
Profit (loss) for the period before taxes9903€229k€521k▲
Income taxes67/77€58k€131k▲
Profit (loss) for the period9904€171k€391k▲
Profit (loss) for the period to be appropriated9905€171k€391k▲
Appropriation of the result
Profit (loss) to be appropriated9906€171k€391k▲
Transfer to equity691/2€167k€387k▲
To other reserves6921€167k€387k▲
Profit to be distributed694/7€4k€4k▼
Employees696€4k€4k▼
Social balance
Average headcount (FTE)90873.13.0▼
The notes to these accounts (12 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
29-07
State Gazette act
Appointment: Costanza (director)Permanent representative: Jan De Poorter · Resignation: Jozef De Poorter (director)4 facts ▸
State Gazette act
Appointment: Costanza (director)
Permanent representative: Jan De Poorter · Resignation: Jozef De Poorter (director)4 facts ▸
- General meeting, 14 juli 2026
- Director appointment, Costanza (director)
- Permanent representative, Jan De Poorter
- Director resignation, Jozef De Poorter (director)
20-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €391k ▲129%
Operating result €608k, net result €391k, both a record.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €171k ▼15.8%
Net result drops to €171k, the lowest in the series; recovery starts the following year.
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
07-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
26-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 30 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 60 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2026
Costanza
CurrentDirector · since 01-09-2026 · Private limited company · perm. rep.: Jan De Poorter
01-09-2026
Costanza: Appointed as Director
31-08-2026
Jozef De Poorter: Resigned as Director
Location & real-estate footprint
Registered office, Gent · 1 establishment unit since 1980
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.
Zwijnaardsesteenweg 1739000 GentGround area
132 m²
Building footprint
102 m²
Volume, LiDAR
1,011 m³
Parcel 44808H0141/00S007, Flanders · tallest building 14.4 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Zwijnaardsesteenweg 173, 9000 Gent
since 19802.017.497.060
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44808H0141/00S007 | Flanders | 132 m² | 1 · 102 m² | 14.4 m · 4 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.
Structure & network
Similar companies · same sector, comparable size
KBC Commercial Finance
BE 0403.278.488
Sint-Jans-Molenbeek · Eq €9.46M
SALES' CENTER
BE 0542.363.721
Bernissart · Eq €1.04M
FAVOR FINANCE
BE 0896.686.113
Turnhout · Eq €988k
VOLKSWAGEN FINANCE BELGIUM
BE 0862.385.824
Elsene · Eq €20.86M
FACTORING SERVICE CENTER
BE 0431.954.658
Arendonk · Eq €21.45M
Of 29 companies in sector 64923 we hold annual accounts for 19. 7 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
Founded06-05-1980
Fiscal year end31-12
Activities, NACEBEL 2025
64923Financial service activities, except insurance and pension funding
Sources
Crossroads Bank for EnterprisesNational Bank · 46 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.