Summary
Aerts & Van Lommel 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 €297k and a net result of €48k. Equity is growing by ~34.7% per year across the filed fiscal years. Its solvency ranks better than 88% of 2435 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
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 14-07-2026, 17 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
17 d early
2024
2 d early
2023
1 d early
2022
6 d early
2021
12 d early
2020
31 d late
2019
104 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€297k▲ 19.5%
2024 · €248k
2019: €39k
2020: €101k
2021: €107k
2022: €121k
2023: €190k
2024: €248k
2019 → 2025
Net result
€48k▼ 16.4%
2024 · €58k
2019: €40k
2020: €62k
2021: €6k
2022: €14k
2023: €69k
2024: €58k
2019 → 2025
Total assets
€330k▲ 16.1%
2024 · €284k
2019: €259k
2020: €243k
2021: €269k
2022: €284k
2023: €218k
2024: €284k
2019 → 2025
Solvency
89.9%▲ 2.6pp
2024 · 87.3%
2019: 14.9%
2020: 41.6%
2021: 39.7%
2022: 42.4%
2023: 87.2%
2024: 87.3%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€107k-€121k▲ 13.0%€190k▲ 57.6%€248k▲ 30.5%€297k▲ 19.5%
Operating result€8k-€22k▲ 156%€94k▲ 335%€80k▼ 15.4%€67k▼ 16.1%
Net result€6k-€14k▲ 149%€69k▲ 401%€58k▼ 16.5%€48k▼ 16.4%
Turnover and EBIT margin not published: the 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 16% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €330k
Fixed assets
€68k ▼ 24.9%
Current assets
€262k ▲ 35.5%
Equity and liabilities €330k
Equity
€297k ▲ 19.5%
Debt
€33k ▼ 7.3%
Debt's share of the balance-sheet total falls from 12.7% to 10.1%. Equity is higher and debt is lower.
Key figures and ratios
ROE
16.4%▼
2024 · 23.4%
ROA
14.7%▼
2024 · 20.4%
Debt ≤ 1 year
€33k▲
2024 · €33k
Income taxes
€18k▼
2024 · €21k
Staff costs
€108k▲
2024 · €107k
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 · 40 lines
Balance sheet
Code20242025
Assets
Total assets20/58€284k€330k▲
Fixed assets21/28€91k€68k▼
Intangible fixed assets21€91k€68k▼
Tangible fixed assets22/27€0-
Furniture and vehicles24€0-
Current assets29/58€193k€262k▲
Amounts receivable within one year40/41€47k€45k▼
Trade receivables40-€140
Other amounts receivable41€47k€45k▼
Cash at bank and in hand54/58€143k€213k▲
Deferred charges and accrued income490/1€3k€3k▼
Equity and liabilities
Total equity and liabilities10/49€284k€330k▲
Equity10/15€248k€297k▲
Contributions10/11€19k€19k=
Reserves13€229k€278k▲
Distributable reserves133€229k€278k▲
Amounts payable17/49€36k€33k▼
Amounts payable within one year42/48€33k€33k▲
Trade debts44€6k€4k▼
Suppliers440/4€6k€4k▼
Taxes, remuneration and social security45€26k€29k▲
Taxes450/3€5k€7k▲
Remuneration and social security454/9€22k€23k▲
Accrued charges and deferred income492/3€3k€0▼
Income statement
Code20242025
Remuneration, social security and pensions62€107k€108k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€24k€23k▼
Other operating charges640/8€599€585▼
Gross operating margin9900€211k€198k▼
Operating profit (loss)9901€80k€67k▼
Financial income75/76B€0€0▼
Recurring financial income75€0€0▼
Financial charges65/66B€293€394▲
Recurring financial charges65€293€394▲
Profit (loss) for the period before taxes9903€79k€66k▼
Income taxes67/77€21k€18k▼
Profit (loss) for the period9904€58k€48k▼
Profit (loss) for the period to be appropriated9905€58k€48k▼
Appropriation of the result
Profit (loss) to be appropriated9906€58k€48k▼
Transfer to equity691/2€58k€48k▼
To other reserves6921€58k€48k▼
The notes to these accounts (7 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
14-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €200kEq €248k ▲30.5%
6 profitable years in a row build equity to €248k.
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2019net €69k ▲401%
Operating result €94k, net result €69k, both a record.
31-12
Financial
Liquidity quadruplescurrent ratio 3.67
Current ratio from 0.89 to 3.67; short-term debt falls from €164k to €28k.
31-12
Financial
Equity above €150kEq €190k ▲57.6%
5 profitable years in a row build equity to €190k.
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
19-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €6k ▼91.1%
Net result drops to €6k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Equity above €100kEq €101k ▲161%
2 profitable years in a row build equity to €101k.
12-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 104 days late
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, Lille · 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.
Wechelsebaan 332275 LilleGround area
2,931 m²
Building footprint
223 m²
Volume, LiDAR
1,536 m³
Parcel 13019E0254/00C000, Flanders · tallest building 12.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Aerts & Van Lommel
since 20182.280.741.105
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13019E0254/00C000 | Flanders | 2,931 m² | 1 · 223 m² | 12.7 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.
Public money · subsidies and aid
Flemish government
2024 to 2025 · 2 entries · 101 EUR awarded · 101 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 42 EUR | 42 EUR |
| 2024 | 1 | 59 EUR | 59 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 1,681 companies in sector 66191 we hold annual accounts for 1,230. 1,070 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
Founded05-07-2018
Fiscal year end31-12
Activities, NACEBEL 2025
66191Agents and brokers in banking services
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.