Anjowo+ 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 €112k and a net result of €77k. Equity is shrinking by ~7.2% per year across the filed fiscal years. Its solvency ranks better than 39% of 8024 sector peers (fiscal year 2025). The company has been active since 2021 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 · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 22-07-2026, 9 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
9 d early
2024
28 d early
2023
23 d early
2022
40 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€112k▼ 44.6%
2024 · €201k
2022: €104k
2023: €226k
2024: €201k
2022 → 2025
Net result
€77k▼ 38.6%
2024 · €125k
2022: €99k
2023: €124k
2024: €125k
2022 → 2025
Total assets
€293k▼ 22.8%
2024 · €379k
2022: €299k
2023: €317k
2024: €379k
2022 → 2025
Solvency
38.1%▼ 15.0pp
2024 · 53.1%
2022: 34.6%
2023: 71.5%
2024: 53.1%
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€104k-€226k▲ 118%€201k▼ 11.1%€112k▼ 44.6%
Operating result€127k-€160k▲ 25.8%€157k▼ 1.8%€93k▼ 40.4%
Net result€99k-€124k▲ 25.2%€125k▲ 1.1%€77k▼ 38.6%
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 40% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €293k
Fixed assets
€15k▼ 7.8%
Current assets
€277k▼ 23.5%
Equity and liabilities €293k
Equity
€112k▼ 44.6%
Debt
€181k▲ 1.9%
The debt ratio rises from 46.9% to 61.9%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
38.1%▼
2024 · 53.1%
ROE
68.8%▲
2024 · 62.0%
ROA
26.2%▼
2024 · 33.0%
Debt
€181k▲
2024 · €178k
Debt ≤ 1 year
€181k▲
2024 · €178k
Income taxes
€21k▼
2024 · €40k
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€379k€293k▼
Fixed assets21/28€17k€15k▼
Tangible fixed assets22/27€16k€15k▼
Furniture and vehicles24€16k€15k▼
Financial fixed assets28€275€275=
Current assets29/58€362k€277k▼
Amounts receivable after more than one year29-€12k
Other amounts receivable291-€12k
Stocks and contracts in progress3€11k€8k▼
Stocks30/36€11k€8k▼
Amounts receivable within one year40/41€18k€51k▲
Trade receivables40€17k€22k▲
Other amounts receivable41€314€29k▲
Current investments50/53€307k€146k▼
Cash at bank and in hand54/58€26k€58k▲
Deferred charges and accrued income490/1-€3k
Equity and liabilities
Total equity and liabilities10/49€379k€293k▼
Equity10/15€201k€112k▼
Contributions10/11€5k€5k=
Profit (loss) carried forward14€196k€107k▼
Amounts payable17/49€178k€181k▲
Amounts payable within one year42/48€178k€181k▲
Trade debts44€2k€2k▲
Suppliers440/4€2k€2k▲
Taxes, remuneration and social security45€33k€5k▼
Taxes450/3€33k€5k▼
Other amounts payable47/48€143k€173k▲
Income statement
Code20242025
Non-recurring operating income76A-€1k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€14k▲
Other operating charges640/8€751€889▲
Gross operating margin9900€159k€108k▼
Operating profit (loss)9901€157k€93k▼
Financial income75/76B€8k€4k▼
Recurring financial income75€8k€4k▼
Financial charges65/66B€175€149▼
Recurring financial charges65€175€149▼
Profit (loss) for the period before taxes9903€165k€97k▼
Income taxes67/77€40k€21k▼
Profit (loss) for the period9904€125k€77k▼
Profit (loss) for the period to be appropriated9905€125k€77k▼
Appropriation of the result
Profit (loss) to be appropriated9906€346k€273k▼
Profit (loss) brought forward from the previous period14P€221k€196k▼
Profit to be distributed694/7€150k€167k▲
Return on contributions (dividend)694€150k€167k▲
The notes to these accounts (6 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
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €77k ▼38.6%
Net result drops to €77k, the lowest in the series.
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2022net €125k ▲1.1%
Net result €125k, the highest in the series.
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €200kEq €226k ▲118%
2 profitable years in a row build equity to €226k.
21-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Turnhout · 1 establishment unit since 2021
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.
Dokter Louis Schuermansstraat 62300 TurnhoutGround area
983 m²
Building footprint
148 m²
Volume, LiDAR
778 m³
Parcel 13452N1272/00R000, Flanders · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Anjowo+
since 20212.319.405.404
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13452N1272/00R000 | Flanders | 983 m² | 1 · 148 m² | 8.0 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.
Recognitions · licences · registrations
Food safety, FASFC
1 siteTurnhout2.319.405.404
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,764. 12,590 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-07-2021
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.