ALTARENCE 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 €216k and a net result of €17k. Equity is growing by ~5.6% per year across the filed fiscal years. Its solvency ranks better than 95% of 2377 sector peers (fiscal year 2025). The company has been active since 2014 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
61 d late
2023
31 d late
2022
on the day
2021
19 d early
2020
31 d late
2019
91 d late
← 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, full schema
Equity
€216k▲ 8.4%
2024 · €199k
2018: €162k
2019: €154k
2020: €148k
2021: €143k
2022: €404k
2023: €351k
2024: €199k
2018 → 2025
Net result
€17k
2024 · €-152k
2018: €-9k
2019: €-8k
2020: €-6k
2021: €-5k
2022: €261k
2023: €-53k
2024: €-152k
2018 → 2025
Total assets
€216k▼ 12.1%
2024 · €246k
2018: €226k
2019: €220k
2020: €218k
2021: €218k
2022: €476k
2023: €399k
2024: €246k
2018 → 2025
Solvency
99.8%▲ 18.9pp
2024 · 80.9%
2018: 71.6%
2019: 69.9%
2020: 68.0%
2021: 65.6%
2022: 85.1%
2023: 87.9%
2024: 80.9%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€143k-€404k▲ 183%€351k▼ 13.2%€199k▼ 43.3%€216k▲ 8.4%
Operating result€-5k-€-28k▼ 477%€-18k▲ 36.2%€-17k▲ 6.8%€16k
Net result€-5k-€261k€-53k€-152k▼ 184%€17k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €16k after a loss of €17k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €216k
Fixed assets
€120k▼ 8.0%
Current assets
€96k▼ 16.7%
Equity and liabilities €216k
Equity
€216k▲ 8.4%
Debt
€501▼ 98.9%
The debt ratio falls from 19.1% to 0.2%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
99.8%▲
2024 · 80.9%
ROE
7.8%▲
2024 · -76.3%
ROA
7.7%▲
2024 · -61.7%
Debt
€501▼
2024 · €47k
Debt ≤ 1 year
€501▼
2024 · €2k
Debt > 1 year
€0▼
2024 · €45k
A ratio outside any meaningful range has been withheld (balance sheet total €216k, equity €216k).
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€246k€216k▼
Fixed assets21/28€131k€120k▼
Tangible fixed assets22/27€7k€0▼
Furniture and vehicles24€220€0▼
Other tangible fixed assets26€7k€0▼
Financial fixed assets28€124k€120k▼
Current assets29/58€115k€96k▼
Amounts receivable within one year40/41€1k€151▼
Trade receivables40€111€129▲
Other amounts receivable41€1k€21▼
Current investments50/53€11k€11k=
Cash at bank and in hand54/58€102k€83k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€246k€216k▼
Equity10/15€199k€216k▲
Contributions10/11€200k€200k=
Capital10€200k€200k=
Issued capital100€200k€200k=
Reserves13€20k€20k=
Non-distributable reserves130/1€20k€20k=
Legal reserve130€20k€20k=
Distributable reserves133€0-
Profit (loss) carried forward14€-21k€-4k▲
Amounts payable17/49€47k€501▼
Amounts payable after more than one year17€45k€0▼
Other amounts payable178/9€45k€0▼
Amounts payable within one year42/48€2k€501▼
Financial debts43€0€4▲
Credit institutions430/8€0€4▲
Trade debts44€1k€486▼
Suppliers440/4€1k€486▼
Taxes, remuneration and social security45€695€10▼
Taxes450/3€695€10▼
Other amounts payable47/48€0-
Income statement
Code20242025
Non-recurring operating income76A-€20k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€220▼
Other operating charges640/8€2k€634▼
Non-recurring operating charges66A-€301
Gross operating margin9900€-4k€17k▲
Operating profit (loss)9901€-17k€16k▲
Financial income75/76B€1k€2k▲
Recurring financial income75€1k€2k▲
Financial charges65/66B€136k€472▼
Recurring financial charges65€74€472▲
Non-recurring financial charges66B€136k€0▼
Profit (loss) for the period before taxes9903€-152k€17k▲
Income taxes67/77€0-
Profit (loss) for the period9904€-152k€17k▲
Profit (loss) for the period to be appropriated9905€-152k€17k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-152k€-4k▲
Profit (loss) brought forward from the previous period14P€0€-21k▼
Transfer from equity791/2€131k€0▼
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (13 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 · full schema · 31 days late
2025
31-12
Financial
Back to profitnet €17k
Net result €17k after 2 loss-making years.
31-12
Financial
Liquidity triplescurrent ratio 191.69
Current ratio from 57.56 to 191.69; short-term debt falls from €2k to €501.
31-12
Financial
Equity above €200kEq €216k ▲8.4%
Equity rises from €199k to €216k.
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 61 days late
2024
31-12
Financial
Weakest financial yearnet €-152k
Net result drops to €-152k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 31 days late
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Back to profitnet €261k
Net result €261k after 4 loss-making years.
31-12
Financial
Liquidity times 113current ratio 184.11
Current ratio from 1.63 to 184.11; short-term debt falls from €5k to €1k.
31-12
Financial
Equity above €200kEq €404k ▲183%
Equity rises from €143k to €404k.
12-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Liquidity doublescurrent ratio 1.63
Current ratio from 0.81 to 1.63; short-term debt falls from €10k to €5k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 31 days late
04-01
State Gazette act
General meeting · Approval
Capital increase · Capital
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 91 days late
2019
10-09
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 41 days late
2018
10-10
State Gazette act
General meeting · Capital increase
Share issue · Director resignation
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 31 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 30 days late
2016
25-01
State Gazette act
General meeting · Registered-office move
Capital increase · Capital · Stijn JOYE
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Mol · 1 establishment unit since 2013
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.
Ispralaan 232400 MolGround area
1,401 m²
Building footprint
194 m²
Volume, LiDAR
1,057 m³
Parcel 13435D0751/00A003, Flanders · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Ispralaan 23, 2400 Mol
since 20132.226.535.426
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13435D0751/00A003 | Flanders | 1,400 m² | 1 · 194 m² | 7.9 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.
Structure & network
Connections & network
1 connected companyNetwork connections
Shared director
→
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Of 24,726 companies in sector 64210 we hold annual accounts for 19,747. 13,535 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded06-01-2014
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 12 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.