Summary
ACRA 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 €436k and a net result of €49k. Equity is growing by ~14.4% per year across the filed fiscal years. Its solvency ranks better than 18% of 8023 sector peers (fiscal year 2025). The company has been active since 2010 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
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 18% of 8023 sector peers (2025).
NBB · sector comparisonPosition among 8023 sector peers
Solvency
better than 18%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 16-12-2025, 46 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
46 d early
2024
21 d early
2023
41 d early
2022
49 d early
2020
19 d early
2019
22 d early
2018
48 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 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€436k▲ 12.6%
2024 · €387k
2018: €129k
2019: €193k
2020: €204k
2022: €301k
2023: €366k
2024: €387k
2018 → 2025
Net result
€49k▲ 134%
2024 · €21k
2018: €85k
2019: €85k
2020: €65k
2022: €98k
2023: €65k
2024: €21k
2018 → 2025
Total assets
€3.39M▲ 5.3%
2024 · €3.22M
2018: €560k
2019: €3.58M
2020: €3.58M
2022: €3.16M
2023: €3.03M
2024: €3.22M
2018 → 2025
Solvency
12.9%▲ 0.8pp
2024 · 12.0%
2018: 22.9%
2019: 5.4%
2020: 5.7%
2022: 9.5%
2023: 12.1%
2024: 12.0%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202022202320242025Trend
Equity€204k-€301k▲ 48.1%€366k▲ 21.5%€387k▲ 5.7%€436k▲ 12.6%
Operating result€88k-€157k▲ 78.5%€137k▼ 12.6%€85k▼ 37.7%€125k▲ 47.2%
Net result€65k-€98k▲ 51.6%€65k▼ 33.7%€21k▼ 67.8%€49k▲ 134%
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 recovers in 2025; 2025 is 47% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.39M
Fixed assets
€3.05M ▼ 2.8%
Current assets
€338k ▲ 334%
Equity and liabilities €3.39M
Equity
€436k ▲ 12.6%
Debt
€2.96M ▲ 4.3%
Debt's share of the balance-sheet total falls from 88.0% to 87.1%. Equity and debt are higher.
Key figures and ratios
ROE
11.2%▲
2024 · 5.4%
ROA
1.4%▲
2024 · 0.6%
Debt ≤ 1 year
€465k▲
2024 · €460k
Debt > 1 year
€2.49M▲
2024 · €2.37M
Income taxes
€18k▲
2024 · €8k
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 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€3.22M€3.39M▲
Fixed assets21/28€3.14M€3.05M▼
Tangible fixed assets22/27€2.65M€2.52M▼
Land and buildings22€2.65M€2.52M▼
Financial fixed assets28€488k€538k▲
Current assets29/58€78k€338k▲
Amounts receivable within one year40/41€77k€338k▲
Other amounts receivable41€77k€338k▲
Cash at bank and in hand54/58€694€31▼
Equity and liabilities
Total equity and liabilities10/49€3.22M€3.39M▲
Equity10/15€387k€436k▲
Contributions10/11€19k€19k=
Reserves13€27k€27k=
Distributable reserves133€27k€27k=
Profit (loss) carried forward14€342k€391k▲
Amounts payable17/49€2.83M€2.96M▲
Amounts payable after more than one year17€2.37M€2.49M▲
Financial debts170/4€2.37M€2.49M▲
Amounts payable within one year42/48€460k€465k▲
Current portion of amounts payable after more than one year42€242k€244k▲
Financial debts43€1k€200k▲
Credit institutions430/8€1k€200k▲
Trade debts44€3k€3k▼
Suppliers440/4€3k€3k▼
Taxes, remuneration and social security45€23k€19k▼
Taxes450/3€23k€19k▼
Other amounts payable47/48€190k-
Accrued charges and deferred income492/3€994€945▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€178k€138k▼
Other operating charges640/8€19k€21k▲
Gross operating margin9900€282k€285k▲
Operating profit (loss)9901€85k€125k▲
Financial income75/76B€667€2k▲
Recurring financial income75€667€2k▲
Financial charges65/66B€57k€60k▲
Recurring financial charges65€57k€60k▲
Profit (loss) for the period before taxes9903€29k€67k▲
Income taxes67/77€8k€18k▲
Profit (loss) for the period9904€21k€49k▲
Profit (loss) for the period to be appropriated9905€21k€49k▲
Appropriation of the result
Profit (loss) to be appropriated9906€342k€391k▲
Profit (loss) brought forward from the previous period14P€321k€342k▲
The notes to these accounts (11 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
2025
16-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
10-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Weakest financial yearnet €21k ▼67.8%
Net result drops to €21k, the lowest in the series; recovery starts the following year.
2023
21-12
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2022
13-12
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
30-06
Financial
Highest result since 2018net €98k ▲51.6%
Operating result €157k, net result €98k, both a record.
2021
12-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Equity above €200kEq €204k ▲5.4%
3 profitable years in a row build equity to €204k.
09-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Equity above €150kEq €193k ▲50.3%
2 profitable years in a row build equity to €193k.
13-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
25-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
14-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 14 days late
2016
02-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Wuustwezel · 1 establishment unit since 2010
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.
Meerweydelaan 332990 WuustwezelGround area
656 m²
Building footprint
152 m²
Volume, LiDAR
902 m³
Parcel 11026E0911/00G002, Flanders · tallest building 10.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Acra
since 20102.191.109.046
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11026E0911/00G002 | Flanders | 656 m² | 1 · 152 m² | 10.4 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.
Similar companies · same sector, comparable size
REAL WORLD
BE 0672.901.272
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GEBR. BAILLEUL
BE 0792.559.284
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AGAU
BE 0769.655.012
Sint-Martens-Latem · Eq €436,640
BUSINESS AND BRANDS
BE 0699.792.246
Hasselt · Eq €435,747
EV-Point WORK
BE 0782.236.308
Wetteren · Eq €435,685
Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 13,707 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
Founded30-08-2010
Fiscal year end30-06
Activities, NACEBEL 2025
64210Activities of holding companies
68201Renting and operating of own or leased residential real estate, excluding social housing
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.