AERTERUS is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2026 annual accounts show equity of €249k and a net result of €57k. Equity is growing by ~67.6% per year across the filed fiscal years. Its solvency ranks better than 22% of 109 sector peers (fiscal year 2026). The company has been active since 2017 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
Four 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 109 sector peers (2026).
NBB · sector comparisonPosition among 109 sector peers
Solvency
better than 22%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 28-02-2026 was due by 30-09-2026 and was filed on 17-09-2026, 13 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2026
13 d early
2025
12 d early
2024
4 d late
2023
2 d early
2022
1 d early
2021
2 d early
2020
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 28-02-2027 and is due by 30-09-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
21-09-2026 today28-02-2027 close30-09-2027 deadline
Financials · fiscal year 2026, micro schema
Equity
€249k▲ 29.8%
2025 · €192k
2019: €-20k
2020: €-42k
2021: €-23k
2022: €53k
2023: €86k
2024: €136k
2025: €192k
2019 → 2026
Net result
€57k▲ 2.2%
2025 · €56k
2019: €-145k
2020: €-21k
2021: €18k
2022: €76k
2023: €33k
2024: €50k
2025: €56k
2019 → 2026
Total assets
€1.16M▼ 22.3%
2025 · €1.49M
2019: €1.34M
2020: €1.70M
2021: €1.66M
2022: €1.59M
2023: €1.55M
2024: €1.52M
2025: €1.49M
2019 → 2026
Solvency
21.5%▲ 8.6pp
2025 · 12.9%
2019: -1.5%
2020: -2.4%
2021: -1.4%
2022: 3.3%
2023: 5.6%
2024: 9.0%
2025: 12.9%
2019 → 2026
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20222023202420252026Trend
Equity€53k-€86k▲ 61.9%€136k▲ 58.1%€192k▲ 41.1%€249k▲ 29.8%
Operating result€103k-€58k▼ 43.6%€82k▲ 40.6%€91k▲ 10.8%€102k▲ 12.3%
Net result€76k-€33k▼ 57.0%€50k▲ 52.0%€56k▲ 11.8%€57k▲ 2.2%
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 2023 the operating result has climbed three years in a row; 2026 is 12% above 2025.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €1.16M
Fixed assets
€1.14M▼ 6.6%
Current assets
€21k▼ 92.3%
Equity and liabilities €1.16M
Equity
€249k▲ 29.8%
Debt
€909k▼ 29.9%
The debt ratio falls from 87.1% to 78.5%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
21.5%▲
2025 · 12.9%
ROE
22.9%▼
2025 · 29.1%
ROA
4.9%▲
2025 · 3.7%
Debt
€909k▼
2025 · €1.30M
Debt ≤ 1 year
€180k▼
2025 · €182k
Debt > 1 year
€729k▼
2025 · €1.12M
Income taxes
€23k▲
2025 · €9k
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 · 2026 against 2025
Balance sheet
Code20252026
Assets
Total assets20/58€1.49M€1.16M▼
Fixed assets21/28€1.22M€1.14M▼
Tangible fixed assets22/27€1.22M€1.14M▼
Land and buildings22€1.21M€1.14M▼
Plant, machinery and equipment23€1k€1,000▼
Furniture and vehicles24€2k€0▼
Current assets29/58€272k€21k▼
Amounts receivable within one year40/41€13k€13k▲
Trade receivables40€12k€12k▲
Other amounts receivable41€2k€2k▼
Cash at bank and in hand54/58€258k€7k▼
Deferred charges and accrued income490/1€451€0▼
Equity and liabilities
Total equity and liabilities10/49€1.49M€1.16M▼
Equity10/15€192k€249k▲
Contributions10/11€125k€125k=
Reserves13€106k€163k▲
Distributable reserves133€106k€163k▲
Profit (loss) carried forward14€-39k€-39k=
Amounts payable17/49€1.30M€909k▼
Amounts payable after more than one year17€1.12M€729k▼
Financial debts170/4€1.12M€729k▼
Other amounts payable178/9€0-
Amounts payable within one year42/48€182k€180k▼
Current portion of amounts payable after more than one year42€102k€87k▼
Trade debts44€11k€25k▲
Suppliers440/4€11k€25k▲
Taxes, remuneration and social security45€9k€6k▼
Taxes450/3€9k€4k▼
Remuneration and social security454/9-€2k
Other amounts payable47/48€61k€62k▲
Income statement
Code20252026
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€85k€81k▼
Other operating charges640/8€14k€14k▲
Gross operating margin9900€189k€196k▲
Operating profit (loss)9901€91k€102k▲
Financial income75/76B€64€0▼
Recurring financial income75€64€0▼
Financial charges65/66B€26k€22k▼
Recurring financial charges65€26k€22k▼
Profit (loss) for the period before taxes9903€65k€80k▲
Income taxes67/77€9k€23k▲
Profit (loss) for the period9904€56k€57k▲
Profit (loss) for the period to be appropriated9905€56k€57k▲
Appropriation of the result
Profit (loss) to be appropriated9906€17k€18k▲
Profit (loss) brought forward from the previous period14P€-39k€-39k=
Transfer to equity691/2€56k€57k▲
To other reserves6921€56k€57k▲
The notes to these accounts (10 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 2027, expected by
2026
17-09
NBB filing
Annual accounts filed
fiscal year 2026 · micro schema
28-02
Financial
Equity above €200kEq €249k ▲29.8%
6 profitable years in a row build equity to €249k.
2025
18-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
28-02
Financial
Equity above €150kEq €192k ▲41.1%
5 profitable years in a row build equity to €192k.
2024
04-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 4 days late
29-02
Financial
Equity above €100kEq €136k ▲58.1%
4 profitable years in a row build equity to €136k.
2023
28-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
28-02
Financial
Highest result since 2019net €76k ▲318%
Operating result €103k, net result €76k, both a record.
2021
28-09
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
28-02
Financial
Back to profitnet €18k
Net result €18k after 2 loss-making years.
2020
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2019
18-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Roeselare · 1 establishment unit since 2017
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.
Ovenhoek 518800 RoeselareGround area
3,591 m²
Building footprint
1,922 m²
Volume, LiDAR
8 m³
Parcel 36504D0445/00V000, Flanders · tallest building 0.2 m. Linked by address, not a title deed.
1 establishment unit
Aerterus
since 20172.265.050.265
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36504D0445/00V000 | Flanders | 3,591 m² | 1 · 1,922 m² | 0.2 m |
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 19,762. 13,645 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-06-2017
Fiscal year end28-02
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.