AROUND II 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 €5.76M and a net result of €52k. Equity is growing by ~69% per year across the filed fiscal years. Its solvency ranks better than 85% of 488 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 27-07-2026, 4 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
4 d early
2024
2 d early
2023
5 d early
2022
5 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema, statutory
Equity
€5.76M▲ 68.9%
2024 · €3.41M
2022: €1.19M
2023: €2.30M
2024: €3.41M
2022 → 2025
Net result
€52k
2024 · €-205k
2022: €-8k
2023: €1.11M
2024: €-205k
2022 → 2025
Total assets
€6.86M▲ 55.1%
2024 · €4.42M
2022: €2.29M
2023: €3.11M
2024: €4.42M
2022 → 2025
Solvency
83.9%▲ 6.8pp
2024 · 77.0%
2022: 52.1%
2023: 73.9%
2024: 77.0%
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Turnover€43k
Equity€1.19M-€2.30M▲ 93.1%€3.41M▲ 48.2%€5.76M▲ 68.9%
Operating result€-8k-€1.11M€-15k€7k
Net result€-8k-€1.11M€-205k€52k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €7k after a loss of €15k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €6.86M
Fixed assets
€6.71M▲ 58.6%
Current assets
€158k▼ 19.1%
Equity and liabilities €6.86M
Equity
€5.76M▲ 68.9%
Debt
€1.11M▲ 8.9%
The debt ratio falls from 23.0% to 16.1%. Equity and debt are higher.
Key figures and ratios
Solvency
83.9%▲
2024 · 77.0%
ROE
0.9%▲
2024 · -6.0%
ROA
0.8%▲
2024 · -4.6%
Debt
€1.11M▲
2024 · €1.02M
Debt ≤ 1 year
€42k▲
2024 · €26k
Debt > 1 year
€800k=
2024 · €800k
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€4.42M€6.86M▲
Fixed assets21/28€4.23M€6.71M▲
Financial fixed assets28€4.23M€6.71M▲
Affiliated companies280/1€4.23M€6.71M▲
Participating interests280€4.23M€6.71M▲
Current assets29/58€195k€158k▼
Stocks and contracts in progress3€0€0=
Amounts receivable within one year40/41€13k€30k▲
Trade receivables40€6k€24k▲
Other amounts receivable41€7k€6k▼
Current investments50/53-€120k
Other investments51/53-€120k
Cash at bank and in hand54/58€181k€7k▼
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€4.42M€6.86M▲
Equity10/15€3.41M€5.76M▲
Contributions10/11€2.51M€4.81M▲
Profit (loss) carried forward14€895k€947k▲
Amounts payable17/49€1.02M€1.11M▲
Amounts payable after more than one year17€800k€800k=
Financial debts170/4€800k€800k=
Other loans174€800k€800k=
Amounts payable within one year42/48€26k€42k▲
Trade debts44€13k€23k▲
Suppliers440/4€13k€23k▲
Other amounts payable47/48€13k€19k▲
Accrued charges and deferred income492/3€190k€265k▲
Income statement
Code20242025
Operating income70/76A€82k€43k▼
Turnover70-€43k
Other operating income74€82k€0▼
Operating charges60/66A€97k€36k▼
Goods for resale, raw materials and consumables60€82k€0▼
Purchases600/8€82k€0▼
Services and other goods61€14k€35k▲
Other operating charges640/8€1k€1k▼
Operating profit (loss)9901€-15k€7k▲
Financial income75/76B€0€120k▲
Recurring financial income75€0€120k▲
Income from financial fixed assets750-€120k
Income from current assets751€0-
Financial charges65/66B€190k€75k▼
Recurring financial charges65€190k€75k▼
Debt charges650€190k€75k▼
Other financial charges652/9€124€411▲
Profit (loss) for the period before taxes9903€-205k€52k▲
Profit (loss) for the period9904€-205k€52k▲
Profit (loss) for the period to be appropriated9905€-205k€52k▲
Appropriation of the result
Profit (loss) to be appropriated9906€895k€947k▲
Profit (loss) brought forward from the previous period14P€1.10M€895k▼
The notes to these accounts (29 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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · consolidated
2025
31-12
Financial
Back to profitnet €52k
Net result €52k after one loss-making year.
31-12
Financial
Equity above €5MEq €5.76M ▲68.9%
Equity rises from €3.41M to €5.76M.
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · consolidated
2024
31-12
Financial
Weakest financial yearnet €-205k ▼119%
Net result drops to €-205k, the lowest in the series; recovery starts the following year.
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Back to profitnet €1.11M
Net result €1.11M after one loss-making year.
31-12
Financial
Liquidity times 11current ratio 42.95
Current ratio from 4.05 to 42.95; short-term debt falls from €296k to €14k.
31-12
Financial
Equity above €2MEq €2.30M ▲93.1%
Equity rises from €1.19M to €2.30M.
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
Financial milestoneNBB 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, Antwerpen · 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.
Jan van Gentstraat 72000 AntwerpenGround area
3,981 m²
Building footprint
1,991 m²
Volume, LiDAR
30,799 m³
Parcel 11811L3723/00M000, Flanders · tallest building 21.7 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
AROUND II
since 20212.324.880.657
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11811L3723/00M000 | Flanders | 3,981 m² | 1 · 1,991 m² | 21.7 m · 5 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.
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Of 591 companies in sector 66300 we hold annual accounts for 365. 121 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-09-2021
Fiscal year end31-12
Activities, NACEBEL
66300Activities auxiliary to financial services and insurance activities
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.