ABSENDER 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 €108k and a net result of €42k. Equity is growing by ~23.3% per year across the filed fiscal years. Its solvency ranks better than 75% of 8024 sector peers (fiscal year 2025). The company has been active since 2015 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 · A punctual record breaks
This company filed 6 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-08-2026, 21 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
21 d late
2024
2 d early
2023
29 d early
2022
4 d early
2021
6 d early
2020
25 d early
2019
24 d early
← 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€108k▼ 17.9%
2024 · €131k
2018: €15k
2019: €19k
2020: €32k
2021: €63k
2022: €83k
2023: €97k
2024: €131k
2018 → 2025
Net result
€42k▲ 22.0%
2024 · €34k
2018: €-8k
2019: €3k
2020: €13k
2021: €31k
2022: €20k
2023: €14k
2024: €34k
2018 → 2025
Total assets
€139k▼ 10.9%
2024 · €156k
2018: €24k
2019: €30k
2020: €50k
2021: €80k
2022: €105k
2023: €111k
2024: €156k
2018 → 2025
Solvency
77.5%▼ 6.6pp
2024 · 84.1%
2018: 64.6%
2019: 61.5%
2020: 63.2%
2021: 78.7%
2022: 78.4%
2023: 87.4%
2024: 84.1%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€63k-€83k▲ 31.5%€97k▲ 17.4%€131k▲ 35.2%€108k▼ 17.9%
Operating result€37k-€43k▲ 13.9%€31k▼ 27.3%€48k▲ 56.1%€52k▲ 7.1%
Net result€31k-€20k▼ 36.2%€14k▼ 27.4%€34k▲ 138%€42k▲ 22.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 7% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €139k
Fixed assets
€2k▼ 51.1%
Current assets
€137k▼ 9.7%
Equity and liabilities €139k
Equity
€108k▼ 17.9%
Debt
€31k▲ 26.0%
The debt ratio rises from 15.9% to 22.5%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
77.5%▼
2024 · 84.1%
ROE
38.7%▲
2024 · 26.0%
ROA
30.0%▲
2024 · 21.9%
Debt
€31k▲
2024 · €25k
Debt ≤ 1 year
€31k▲
2024 · €24k
Income taxes
€10k▼
2024 · €14k
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€156k€139k▼
Fixed assets21/28€4k€2k▼
Tangible fixed assets22/27€4k€2k▼
Furniture and vehicles24€4k€2k▼
Current assets29/58€151k€137k▼
Amounts receivable within one year40/41€12k€9k▼
Trade receivables40€105€828▲
Other amounts receivable41€12k€8k▼
Current investments50/53€3k€3k=
Cash at bank and in hand54/58€136k€124k▼
Deferred charges and accrued income490/1€43€320▲
Equity and liabilities
Total equity and liabilities10/49€156k€139k▼
Equity10/15€131k€108k▼
Contributions10/11€19k€19k=
Reserves13€112k€89k▼
Distributable reserves133€112k€89k▼
Amounts payable17/49€25k€31k▲
Amounts payable within one year42/48€24k€31k▲
Trade debts44€186€888▲
Suppliers440/4€186€888▲
Taxes, remuneration and social security45€24k€30k▲
Taxes450/3€14k€14k=
Remuneration and social security454/9€10k€16k▲
Accrued charges and deferred income492/3€569€314▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k=
Other operating charges640/8€831€1k▲
Gross operating margin9900€51k€55k▲
Operating profit (loss)9901€48k€52k▲
Financial charges65/66B€418€262▼
Recurring financial charges65€418€262▼
Profit (loss) for the period before taxes9903€48k€52k▲
Income taxes67/77€14k€10k▼
Profit (loss) for the period9904€34k€42k▲
Profit (loss) for the period to be appropriated9905€34k€42k▲
Appropriation of the result
Profit (loss) to be appropriated9906€34k€42k▲
Transfer from equity791/2-€25k
Transfer to equity691/2€34k€2k▼
To other reserves6921€34k€2k▼
Profit to be distributed694/7-€65k
Return on contributions (dividend)694-€65k
The notes to these accounts (4 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
21-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 21 days late
2025
31-12
Financial
Highest result since 2018net €42k ▲22%
Operating result €52k, net result €42k, both a record.
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €100kEq €131k ▲35.2%
6 profitable years in a row build equity to €131k.
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
25-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
06-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
07-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
27-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-07
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, Antwerpen · 1 establishment unit since 2015
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.
De Waghemakerestraat 52060 AntwerpenGround area
67 m²
Building footprint
67 m²
Volume, LiDAR
609 m³
Parcel 11807G1301/00P006, Flanders · tallest building 14.1 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
ABSENDER
since 20152.241.071.271
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11807G1301/00P006 | Flanders | 67 m² | 1 · 67 m² | 14.1 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.
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,764. 12,491 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-02-2015
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
62010Computer programming, consultancy and related activities
62100Computer programming
68110Buying and selling of own real estate
70200Business and other management consultancy
70220Business consulting
82300Organisation of conventions and trade shows
90393Specialised image, lighting and sound technical services
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesPhone:0485 76 58 75
E-mail:nikolaas@absendermanagement.com