Summary
A-één 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 €540k and a net result of €165k. Equity is growing by ~14.5% per year across the filed fiscal years. Its solvency ranks better than 48% of 9863 sector peers (fiscal year 2024). The company has been active since 2014 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 29-07-2025, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
2 d early
2023
5 d early
2022
3 d early
2021
4 d early
2020
31 d late
2019
4 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€540k▲ 34.2%
2023 · €403k
2018: €224k
2019: €275k
2020: €425k
2021: €503k
2022: €408k
2023: €403k
2018 → 2024
Net result
€165k▲ 40.1%
2023 · €118k
2018: €58k
2019: €51k
2020: €150k
2021: €107k
2022: €39k
2023: €118k
2018 → 2024
Total assets
€1.03M▲ 2.6%
2023 · €999k
2018: €797k
2019: €707k
2020: €703k
2021: €1.17M
2022: €1.04M
2023: €999k
2018 → 2024
Solvency
52.7%▲ 12.4pp
2023 · 40.3%
2018: 28.2%
2019: 38.9%
2020: 60.5%
2021: 43.0%
2022: 39.3%
2023: 40.3%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€425k-€503k▲ 18.2%€408k▼ 18.9%€403k▼ 1.2%€540k▲ 34.2%
Operating result€202k-€143k▼ 29.1%€60k▼ 57.9%€162k▲ 167%€226k▲ 40.1%
Net result€150k-€107k▼ 29.0%€39k▼ 63.0%€118k▲ 199%€165k▲ 40.1%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 40% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.03M
Fixed assets
€528k ▼ 14.7%
Current assets
€498k ▲ 30.7%
Equity and liabilities €1.03M
Equity
€540k ▲ 34.2%
Debt
€485k ▼ 18.7%
Debt's share of the balance-sheet total falls from 59.7% to 47.3%. Equity is higher and debt is lower.
Key figures and ratios
ROE
30.6%▲
2023 · 29.3%
ROA
16.1%▲
2023 · 11.8%
Debt ≤ 1 year
€95k▼
2023 · €180k
Debt > 1 year
€390k▼
2023 · €417k
Income taxes
€56k▲
2023 · €36k
Staff costs
€235k▲
2023 · €208k
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 · 54 lines
Balance sheet
Code20232024
Assets
Total assets20/58€999k€1.03M▲
Fixed assets21/28€619k€528k▼
Intangible fixed assets21€64k€0▼
Tangible fixed assets22/27€555k€528k▼
Land and buildings22€456k€439k▼
Plant, machinery and equipment23€15k€9k▼
Furniture and vehicles24€12k€20k▲
Other tangible fixed assets26€72k€60k▼
Current assets29/58€381k€498k▲
Amounts receivable within one year40/41€70k€48k▼
Trade receivables40€25k€2k▼
Other amounts receivable41€44k€46k▲
Current investments50/53€176k€351k▲
Cash at bank and in hand54/58€88k€79k▼
Deferred charges and accrued income490/1€48k€21k▼
Equity and liabilities
Total equity and liabilities10/49€999k€1.03M▲
Equity10/15€403k€540k▲
Contributions10/11€100k€100k=
Reserves13€303k€440k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€303k€440k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€597k€485k▼
Amounts payable after more than one year17€417k€390k▼
Financial debts170/4€417k€390k▼
Amounts payable within one year42/48€180k€95k▼
Current portion of amounts payable after more than one year42€36k€37k▲
Trade debts44€10k€5k▼
Suppliers440/4€10k€5k▼
Taxes, remuneration and social security45€33k€47k▲
Taxes450/3€6k€26k▲
Remuneration and social security454/9€27k€22k▼
Other amounts payable47/48€101k€5k▼
Income statement
Code20232024
Remuneration, social security and pensions62€208k€235k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€134k€107k▼
Other operating charges640/8€2k€28k▲
Gross operating margin9900€505k€596k▲
Operating profit (loss)9901€162k€226k▲
Financial income75/76B€0€2k▲
Recurring financial income75€0€2k▲
Financial charges65/66B€8k€7k▼
Recurring financial charges65€8k€7k▼
Profit (loss) for the period before taxes9903€154k€221k▲
Income taxes67/77€36k€56k▲
Profit (loss) for the period9904€118k€165k▲
Profit (loss) for the period to be appropriated9905€118k€165k▲
Appropriation of the result
Profit (loss) to be appropriated9906€118k€165k▲
Profit (loss) brought forward from the previous period14P€0-
Transfer from equity791/2€23k€28k▲
Transfer to equity691/2€18k€165k▲
To other reserves6921€18k€165k▲
Profit to be distributed694/7€123k€28k▼
Return on contributions (dividend)694€123k€28k▼
The notes to these accounts (19 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
15-09
State Gazette act
Resignations: MATHIB (director) and Dominiek VOLCKE (director)Appointment: INSURFIN HOLDING (director) · Permanent representative: Benny HOORNAERT · Declaration6 facts ▸
State Gazette act
Resignations: MATHIB (director) and Dominiek VOLCKE (director)
Appointment: INSURFIN HOLDING (director) · Permanent representative: Benny HOORNAERT · Declaration6 facts ▸
- General meeting, 31-08-2026
- Director resignation, MATHIB (director)
- Director resignation, Dominiek VOLCKE (director)
- Director appointment, INSURFIN HOLDING (director)
- Permanent representative, Benny HOORNAERT (permanent representative)
- Declaration, aanvaarding mandaat, verklaart uitdrukkelijk haar mandaat te aanvaarden
31-07
State Gazette act
Capital & shares · RestructuringDemerger · Net-asset statement · Capital decrease8 facts ▸
State Gazette act
Capital & shares · Restructuring
Demerger · Net-asset statement · Capital decrease8 facts ▸
- General meeting, 26/06/2026
- Demerger, 26/06/2026
- Net-asset statement, 31/12/2025
- Capital decrease, €-8.534,09
- Accounting effect, 01/01/2026
- Share issue, aandelen uitgegeven in ruil voor het overgenomen vermogen
- Purpose change, De vennootschap heeft als voorwerp, zowel voor eigen rekening als voor rekening van derden, in België alsook in het buitenland, alle verrichtingen die verband h…
- Power of attorney, A-EEN
22-05
State Gazette act
RestructuringAppointment: VGD Bedrijfsrevisoren (company auditor) · Permanent representative: Benny HOORNAERT · Proposal date10 facts ▸
State Gazette act
Restructuring
Appointment: VGD Bedrijfsrevisoren (company auditor) · Permanent representative: Benny HOORNAERT · Proposal date10 facts ▸
- Proposal date, 12-05-2026
- Demerger, Overdracht van de bank- en verzekeringsactiviteiten (rechten en verplichtingen) van A-ÉÉN naar VANDOUSSELAERE EN NOLF
- Accounting effect, 01-01-2026
- Net-asset statement, 31-12-2025
- Share transfer, Dominiek VOLCKE → INSURFIN HOLDING
- Share transfer, Benny HOORNAERT → INSURFIN HOLDING
- Share transfer, MATHIB → INSURFIN HOLDING
- Auditor appointment, VGD Bedrijfsrevisoren (company auditor)
- Permanent representative, Benny HOORNAERT
- Suspensive condition, De partiële splitsing is aangegaan onder de opschortende voorwaarde dat alle vereiste toelatingen, inschrijvingen, registraties, kennisgevingen, bevestigingen o…
2025
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €165k ▲40.1%
Operating result €226k, net result €165k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 5.24
Current ratio from 2.11 to 5.24; short-term debt falls from €180k to €95k.
31-12
Financial
Equity above €500kEq €540k ▲34.2%
7 profitable years in a row build equity to €540k.
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Weakest financial yearnet €39k ▼63%
Net result drops to €39k, the lowest in the series; recovery starts the following year.
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Equity above €500kEq €503k ▲18.2%
4 profitable years in a row build equity to €503k.
Show earlier events
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
27-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 61 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
30-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 61 days late
2016
30-09
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 61 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
INSURFIN HOLDING
CurrentDirector · since 30-06-2026 · Private limited company · perm. rep.: Benny HOORNAERT
30-06-2026
INSURFIN HOLDING: Appointed as Director
30-06-2026
Dominiek VOLCKE: Resigned as Director
30-06-2026
MATHIB: Resigned as Director
Location & real-estate footprint
Registered office, Kortemark · 1 establishment unit since 2014
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.
Ichtegemstraat 718610 KortemarkGround area
502 m²
Building footprint
225 m²
Volume, LiDAR
968 m³
Parcel 32011B1046/00W000, Flanders · tallest building 7.8 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
A-één
since 20142.235.038.168
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 32011B1046/00W000 | Flanders | 502 m² | 1 · 225 m² | 7.8 m · 1 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.
Articles of association
Purpose
De bemiddeling in bankdiensten beleggingsdiensten en kredieten, in hoedanigheid van bankagent... de bemiddeling in verzekeringen... het aanleggen, oordeelkundig uitbouwen en…
Full purpose
De bemiddeling in bankdiensten beleggingsdiensten en kredieten, in hoedanigheid van bankagent... de bemiddeling in verzekeringen... het aanleggen, oordeelkundig uitbouwen en beheren van een eigen roerend vermogen... het aanleggen, oordeelkundig uitbouwen en beheren van een onroerend vermogen... het uitvoeren of doen uitvoeren van research... het verlenen van bijstand, advies en leiding... Optreden als bestuurder of als vereffenaar in andere vennootschappen.
Structure & network
Connections & network
1 connected companyLinked via shared directors
Shared corporate director
→
Acquisitions and mergers
1 transactionSplit off to:VANDOUSSELAERE EN NOLF
Capital and shareholders
Shareholders according to the acts
Share transfer
act of 22-05-2026 ↗
- Dominiek VOLCKE to INSURFIN HOLDING (BE 1036.902.680) 500 shares
- Benny HOORNAERT to INSURFIN HOLDING (BE 1036.902.680) 375 shares
- MATHIB to INSURFIN HOLDING (BE 1036.902.680) 125 shares
The Belgian State Gazette names shareholders only when an act mentions them; the share register itself is not published.
Capital over the years
- 31-07-2026 Capital reduction of 8,534.09 EUR · to 91,456.91 EUR
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 536 EUR awarded · 536 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 536 EUR | 536 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 232 companies in sector 64190 we hold annual accounts for 109. 77 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
Founded11-09-2014
Fiscal year end31-12
Activities, NACEBEL 2025
64190Financial service activities, except insurance and pension funding
66220Insurance agents and brokers
64929Financial service activities, except insurance and pension funding
65112Insurance, reinsurance and pension funding, except compulsory social security
65122Insurance, reinsurance and pension funding, except compulsory social security
66191Agents and brokers in banking services
66199Other activities auxiliary to financial services, excluding insurance and pension funding
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.