ARCHLES FINANCES 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 €291k and a net result of €543k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 25% of 2389 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
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 25% of 2389 sector peers (2025).
NBB · sector comparisonPosition among 2389 sector peers
Solvency
better than 25%
← weakest
strongest →
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 12-03-2026, 141 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
141 d early
2024
27 d early
2023
on the day
2022
35 d early
2021
17 d early
2020
25 d early
2019
13 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Equity
€291k▲ 949%
2024 · €28k
2019: €249k
2020: €551k
2021: €852k
2022: €645k
2023: €434k
2024: €28k
2019 → 2025
Net result
€543k▲ 34.6%
2024 · €404k
2019: €231k
2020: €301k
2021: €302k
2022: €364k
2023: €420k
2024: €404k
2019 → 2025
Total assets
€932k▲ 7.1%
2024 · €871k
2019: €1.15M
2020: €1.39M
2021: €1.50M
2022: €1.71M
2023: €816k
2024: €871k
2019 → 2025
Solvency
31.2%▲ 28.0pp
2024 · 3.2%
2019: 21.7%
2020: 39.6%
2021: 56.7%
2022: 37.7%
2023: 53.2%
2024: 3.2%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€852k-€645k▼ 24.4%€434k▼ 32.6%€28k▼ 93.6%€291k▲ 949%
Operating result€401k-€500k▲ 24.7%€566k▲ 13.2%€563k▼ 0.5%€781k▲ 38.7%
Net result€302k-€364k▲ 20.6%€420k▲ 15.3%€404k▼ 3.8%€543k▲ 34.6%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 39% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €932k
Fixed assets
€515k▼ 2.9%
Current assets
€417k▲ 22.7%
Equity and liabilities €932k
Equity
€291k▲ 949%
Provisions
€0▼ 100%
Debt
€641k▼ 19.0%
The debt ratio falls from 90.9% to 68.8%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
31.2%▲
2024 · 3.2%
ROE
186.6%
ROA
58.3%▲
2024 · 46.4%
Debt
€641k▼
2024 · €791k
Debt ≤ 1 year
€406k▼
2024 · €589k
Debt > 1 year
€235k▲
2024 · €202k
Income taxes
€177k▲
2024 · €154k
Staff costs
€283k▲
2024 · €241k
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€871k€932k▲
Fixed assets21/28€530k€515k▼
Intangible fixed assets21€276k€197k▼
Tangible fixed assets22/27€241k€304k▲
Land and buildings22€102k€99k▼
Plant, machinery and equipment23€100k€103k▲
Furniture and vehicles24€39k€103k▲
Financial fixed assets28€14k€14k=
Current assets29/58€340k€417k▲
Amounts receivable within one year40/41€124k€134k▲
Trade receivables40€124k€134k▲
Cash at bank and in hand54/58€207k€274k▲
Deferred charges and accrued income490/1€10k€9k▼
Equity and liabilities
Total equity and liabilities10/49€871k€932k▲
Equity10/15€28k€291k▲
Contributions10/11€19k€19k=
Profit (loss) carried forward14€9k€273k▲
Provisions and deferred taxes16€52k-
Provisions for liabilities and charges160/5€52k-
Other liabilities and charges164/5€52k-
Amounts payable17/49€791k€641k▼
Amounts payable after more than one year17€202k€235k▲
Financial debts170/4€202k€235k▲
Amounts payable within one year42/48€589k€406k▼
Current portion of amounts payable after more than one year42€86k€93k▲
Taxes, remuneration and social security45€128k€78k▼
Taxes450/3€100k€49k▼
Remuneration and social security454/9€28k€29k▲
Other amounts payable47/48€374k€235k▼
Income statement
Code20242025
Remuneration, social security and pensions62€241k€283k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€110k€111k▲
Provisions for liabilities and charges: additions (uses and reversals)635/8€52k€-52k▼
Other operating charges640/8€16k€27k▲
Gross operating margin9900€982k€1.15M▲
Operating profit (loss)9901€563k€781k▲
Financial charges65/66B€5k€60k▲
Recurring financial charges65€5k€60k▲
Profit (loss) for the period before taxes9903€558k€720k▲
Income taxes67/77€154k€177k▲
Profit (loss) for the period9904€404k€543k▲
Profit (loss) for the period to be appropriated9905€404k€543k▲
Appropriation of the result
Profit (loss) to be appropriated9906€819k€553k▼
Profit (loss) brought forward from the previous period14P€416k€9k▼
Profit to be distributed694/7€810k€280k▼
Return on contributions (dividend)694€810k€280k▼
Social balance
Average headcount (FTE)90873.84.2▲
The notes to these accounts (14 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
12-03
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Highest result since 2019net €543k ▲34.6%
Operating result €781k, net result €543k, both a record.
31-12
Financial
Equity above €200kEq €291k ▲949%
7 profitable years in a row build equity to €291k.
04-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
26-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
14-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
06-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Equity above €500kEq €551k ▲121%
2 profitable years in a row build equity to €551k.
13-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 13 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, Sint-Gillis (bij-Brussel) · 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.
Alsembergse Steenweg 11060 Sint-Gillis (bij-Brussel)Ground area
130 m²
Building footprint
130 m²
Volume, LiDAR
2,464 m³
Parcel 21562A0173/00H014, Brussels · tallest building 21.6 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
ARCHLES FINANCES
since 20182.277.857.532
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21562A0173/00H014 | Brussels | 130 m² | 1 · 130 m² | 21.6 m · 7 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
Legal Entity Identifier
9845009CND4668CS3A49
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Of 232 companies in sector 64190 we hold annual accounts for 109. 80 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-07-2018
Fiscal year end31-12
Activities, NACEBEL
64190Financial service activities, except insurance and pension funding
Sources
Crossroads Bank for EnterprisesNational Bank · 7 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.