Summary
ABC BON BINI 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 €172k and a net result of €19k. Equity is growing by ~20.3% per year across the filed fiscal years. Its solvency ranks better than 22% of 8023 sector peers (fiscal year 2025). The company has been active since 2007 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 check for your own amount and term
Signals
Two 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 22% of 8023 sector peers (2025).
NBB · sector comparisonPosition among 8023 sector peers
Solvency
better than 22%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 13-03-2026, 48 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
48 d early
2024
16 d early
2023
36 d early
2022
3 d early
2021
23 d early
2020
36 d early
2019
44 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 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€172k▲ 12.0%
2024 · €153k
2018: €52k
2019: €63k
2020: €74k
2021: €83k
2022: €96k
2023: €135k
2024: €153k
2018 → 2025
Net result
€19k▲ 1.7%
2024 · €18k
2018: €3k
2019: €11k
2020: €12k
2021: €10k
2022: €14k
2023: €40k
2024: €18k
2018 → 2025
Total assets
€1.00M▲ 1.6%
2024 · €985k
2018: €261k
2019: €307k
2020: €281k
2021: €271k
2022: €264k
2023: €291k
2024: €985k
2018 → 2025
Solvency
17.2%▲ 1.6pp
2024 · 15.6%
2018: 19.7%
2019: 20.3%
2020: 26.3%
2021: 30.5%
2022: 36.4%
2023: 46.5%
2024: 15.6%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€83k-€96k▲ 16.2%€135k▲ 40.8%€153k▲ 13.4%€172k▲ 12.0%
Operating result€22k-€28k▲ 25.9%€63k▲ 124%€27k▼ 56.6%€23k▼ 15.5%
Net result€10k-€14k▲ 48.3%€40k▲ 179%€18k▼ 54.2%€19k▲ 1.7%
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 has fallen two years in a row; 2025 is 15% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.00M
Fixed assets
€913k ▲ 11.1%
Current assets
€87k ▼ 46.5%
Equity and liabilities €1.00M
Equity
€172k ▲ 12.0%
Debt
€829k ▼ 0.4%
Debt's share of the balance-sheet total falls from 84.4% to 82.8%. Equity is higher and debt is lower.
Key figures and ratios
ROE
10.9%▼
2024 · 12.0%
ROA
1.9%▲
2024 · 1.9%
Debt ≤ 1 year
€790k▲
2024 · €779k
Debt > 1 year
€38k▼
2024 · €52k
Income taxes
€2k▲
2024 · €2k
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 · 56 lines
Balance sheet
Code20242025
Assets
Total assets20/58€985k€1.00M▲
Fixed assets21/28€822k€913k▲
Tangible fixed assets22/27€822k€913k▲
Land and buildings22€686k€792k▲
Plant, machinery and equipment23€195€6k▲
Furniture and vehicles24€52k€39k▼
Other tangible fixed assets26€84k€75k▼
Current assets29/58€163k€87k▼
Stocks and contracts in progress3€8k€11k▲
Stocks30/36€8k€11k▲
Amounts receivable within one year40/41€80k€17k▼
Trade receivables40€1k€15k▲
Other amounts receivable41€79k€2k▼
Cash at bank and in hand54/58€72k€54k▼
Deferred charges and accrued income490/1€3k€5k▲
Equity and liabilities
Total equity and liabilities10/49€985k€1.00M▲
Equity10/15€153k€172k▲
Contributions10/11€19k€19k=
Reserves13€131k€150k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€129k€148k▲
Profit (loss) carried forward14€0-
Investment grants15€4k€4k▼
Amounts payable17/49€832k€829k▼
Amounts payable after more than one year17€52k€38k▼
Financial debts170/4€52k€38k▼
Amounts payable within one year42/48€779k€790k▲
Current portion of amounts payable after more than one year42€13k€14k▲
Financial debts43€150k€0▼
Other loans439€150k€0▼
Trade debts44€4k€15k▲
Suppliers440/4€4k€15k▲
Taxes, remuneration and social security45€714€9k▲
Taxes450/3€714€9k▲
Other amounts payable47/48€611k€753k▲
Accrued charges and deferred income492/3€211€0▼
Income statement
Code20242025
Non-recurring operating income76A€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€25k€51k▲
Other operating charges640/8€11k€2k▼
Gross operating margin9900€64k€76k▲
Operating profit (loss)9901€27k€23k▼
Financial income75/76B€510€772▲
Recurring financial income75€510€772▲
Financial charges65/66B€7k€3k▼
Recurring financial charges65€7k€3k▼
Profit (loss) for the period before taxes9903€20k€21k▲
Income taxes67/77€2k€2k▲
Profit (loss) for the period9904€18k€19k▲
Profit (loss) for the period to be appropriated9905€18k€19k▲
Appropriation of the result
Profit (loss) to be appropriated9906€18k€19k▲
Transfer to equity691/2€18k€19k▲
To other reserves6921€18k€19k▲
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
Social balance
Average headcount (FTE)90870.0-
The notes to these accounts (8 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
13-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
14-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-09
Financial
Equity above €150kEq €153k ▲13.4%
7 profitable years in a row build equity to €153k.
25-03
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-09
Financial
Highest result since 2018net €40k ▲179%
Operating result €63k, net result €40k, both a record.
30-09
Financial
Equity above €100kEq €135k ▲40.8%
6 profitable years in a row build equity to €135k.
27-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
07-04
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
25-03
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
17-03
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
09-04
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
29-03
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
28-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Anzegem · 1 establishment unit since 2007
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.
Goswinstraat 148570 AnzegemGround area
319 m²
Building footprint
88 m²
Volume, LiDAR
485 m³
Parcel 34038B0088/00T002, Flanders · tallest building 7.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ABC BON BINI
since 20072.165.981.591
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34038B0088/00T002 | Flanders | 319 m² | 1 · 88 m² | 7.3 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.
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ANDREA XIANG
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JeJuFine Advice
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 13,423 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
Founded12-10-2007
Fiscal year end30-09
Activities, NACEBEL 2025
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.