Accounting 4 Business 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 €120k and a net result of €33k. Equity is growing by ~18.5% per year across the filed fiscal years. Its solvency ranks better than 83% of 7980 sector peers (fiscal year 2025). The company has been active since 2018 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 · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 7 filingsDeviation from the deadline
2025
31 d late
2024
67 d late
2023
68 d late
2022
9 d late
2021
6 d early
2020
31 d late
2019
18 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€120k▲ 38.4%
2024 · €87k
2019: €6k
2020: €65k
2021: €141k
2022: €179k
2023: €69k
2024: €87k
2019 → 2025
Net result
€33k▲ 88.6%
2024 · €18k
2019: €6k
2020: €58k
2021: €76k
2022: €38k
2023: €68k
2024: €18k
2019 → 2025
Total assets
€141k▲ 8.0%
2024 · €131k
2019: €33k
2020: €91k
2021: €172k
2022: €196k
2023: €106k
2024: €131k
2019 → 2025
Solvency
85.0%▲ 18.7pp
2024 · 66.3%
2019: 19.2%
2020: 70.7%
2021: 82.1%
2022: 91.4%
2023: 65.0%
2024: 66.3%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€141k-€179k▲ 27.1%€69k▼ 61.5%€87k▲ 25.6%€120k▲ 38.4%
Operating result€98k-€48k▼ 50.6%€99k▲ 105%€24k▼ 75.5%€44k▲ 83.2%
Net result€76k-€38k▼ 50.6%€68k▲ 79.1%€18k▼ 73.9%€33k▲ 88.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 83% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €141k
Equity
€120k▲ 38.4%
Debt
€21k▼ 51.8%
The debt ratio falls from 33.7% to 15.0%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
85.0%▲
2024 · 66.3%
ROE
27.8%▲
2024 · 20.4%
ROA
23.6%▲
2024 · 13.5%
Debt
€21k▼
2024 · €44k
Debt ≤ 1 year
€21k▼
2024 · €44k
Income taxes
€13k▲
2024 · €8k
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€131k€141k▲
Current assets29/58€131k€141k▲
Amounts receivable within one year40/41€66k€88k▲
Trade receivables40€4k-
Other amounts receivable41€61k€88k▲
Cash at bank and in hand54/58€62k€48k▼
Deferred charges and accrued income490/1€3k€5k▲
Equity and liabilities
Total equity and liabilities10/49€131k€141k▲
Equity10/15€87k€120k▲
Contributions10/11€10€10=
Profit (loss) carried forward14€87k€120k▲
Amounts payable17/49€44k€21k▼
Amounts payable within one year42/48€44k€21k▼
Trade debts44€32k€2k▼
Suppliers440/4€32k€2k▼
Advances received on contracts in progress46-€6k
Taxes, remuneration and social security45€12k€13k▲
Taxes450/3€12k€13k▲
Income statement
Code20242025
Other operating charges640/8€387€400▲
Gross operating margin9900€25k€45k▲
Operating profit (loss)9901€24k€44k▲
Financial income75/76B€1k€2k▲
Recurring financial income75€1k€2k▲
Financial charges65/66B€106€96▼
Recurring financial charges65€106€96▼
Profit (loss) for the period before taxes9903€26k€46k▲
Income taxes67/77€8k€13k▲
Profit (loss) for the period9904€18k€33k▲
Profit (loss) for the period to be appropriated9905€18k€33k▲
Appropriation of the result
Profit (loss) to be appropriated9906€87k€120k▲
Profit (loss) brought forward from the previous period14P€69k€87k▲
The notes to these accounts (1 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Liquidity doublescurrent ratio 6.66
Current ratio from 2.97 to 6.66; short-term debt falls from €44k to €21k.
31-12
Financial
Equity above €100kEq €120k ▲38.4%
7 profitable years in a row build equity to €120k.
06-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 67 days late
2024
07-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 68 days late
2023
09-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 9 days late
2022
31-12
Financial
Liquidity doublescurrent ratio 11.63
Current ratio from 5.50 to 11.63; short-term debt falls from €31k to €17k.
31-12
Financial
Equity above €150kEq €179k ▲27.1%
4 profitable years in a row build equity to €179k.
25-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2019net €76k ▲31.3%
Net result €76k, the highest in the series.
31-12
Financial
Equity above €100kEq €141k ▲118%
3 profitable years in a row build equity to €141k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Liquidity triplescurrent ratio 3.42
Current ratio from 1.24 to 3.42; short-term debt falls from €27k to €27k.
13-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Sint-Pieters-Woluwe · 1 establishment unit since 2018
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.
Tervurenlaan 242A1150 Sint-Pieters-WoluweGround area
2,334 m²
Building footprint
539 m²
Volume, LiDAR
10,956 m³
2 parcels, Brussels · tallest building 29.4 m, ±9 floors. Linked by address, not a title deed.
1 establishment unit
Accounting 4 Business
since 20182.278.483.379
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21806F0292/00H010 | Brussels | 1,350 m² | 1 · 209 m² | 19.3 m · 5 fl. |
| 21019A0199/02B002 | Brussels | 984 m² | 1 · 330 m² | 29.4 m · 9 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 804 companies in sector 64999 we hold annual accounts for 483. 322 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-07-2018
Fiscal year end31-12
Activities, NACEBEL
64999Other financial services
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.