Summary
AVEFIN 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 €46k and a net result of €27k. Equity is growing by ~94.2% per year across the filed fiscal years. Its solvency ranks better than 14% of 8023 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
Two 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 14% of 8023 sector peers (2025).
NBB · sector comparisonPosition among 8023 sector peers
Solvency
better than 14%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 08-10-2025, 23 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
23 d early
2024
21 d early
2023
1 d early
2022
41 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close24-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€46k▲ 142%
2024 · €19k
2022: €-62k
2023: €21k
2024: €19k
2022 → 2025
Net result
€27k
2024 · €-2k
2022: €-63k
2023: €82k
2024: €-2k
2022 → 2025
Total assets
€585k▲ 8.4%
2024 · €540k
2022: €266k
2023: €426k
2024: €540k
2022 → 2025
Solvency
7.8%▲ 4.3pp
2024 · 3.5%
2022: -23.2%
2023: 4.9%
2024: 3.5%
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€-62k-€21k€19k▼ 8.8%€46k▲ 142%
Operating result€-62k-€98k€1k▼ 98.9%€40k▲ 3,696%
Net result€-63k-€82k€-2k€27k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 3,696% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €585k
Equity
€46k ▲ 142%
Debt
€539k ▲ 3.6%
Debt's share of the balance-sheet total falls from 96.5% to 92.2%. Equity and debt are higher.
Key figures and ratios
ROE
58.6%▲
2024 · -9.6%
ROA
4.6%▲
2024 · -0.3%
Debt ≤ 1 year
€176k▲
2024 · €124k
Debt > 1 year
€363k▼
2024 · €397k
Income taxes
€8k▲
2024 · €-550
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 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€540k€585k▲
Fixed assets21/28€539k€585k▲
Tangible fixed assets22/27€538k€584k▲
Land and buildings22€532k€574k▲
Plant, machinery and equipment23€517€7k▲
Furniture and vehicles24€6k€4k▼
Financial fixed assets28€565€565=
Current assets29/58€596€0▼
Amounts receivable within one year40/41€0-
Other amounts receivable41€0-
Cash at bank and in hand54/58€596€0▼
Deferred charges and accrued income490/1€0-
Equity and liabilities
Total equity and liabilities10/49€540k€585k▲
Equity10/15€19k€46k▲
Contributions10/11€1k€1k=
Reserves13€18k€45k▲
Distributable reserves133€18k€45k▲
Amounts payable17/49€521k€539k▲
Amounts payable after more than one year17€397k€363k▼
Financial debts170/4€397k€363k▼
Amounts payable within one year42/48€124k€176k▲
Current portion of amounts payable after more than one year42€13k€16k▲
Financial debts43-€4k
Credit institutions430/8-€4k
Trade debts44€20k€26k▲
Suppliers440/4€20k€26k▲
Taxes, remuneration and social security45€307€3k▲
Taxes450/3€307€3k▲
Other amounts payable47/48€91k€128k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€59k€36k▼
Other operating charges640/8€493€642▲
Gross operating margin9900€60k€76k▲
Operating profit (loss)9901€1k€40k▲
Financial income75/76B€16€83▲
Recurring financial income75€16€83▲
Financial charges65/66B€3k€5k▲
Recurring financial charges65€3k€5k▲
Profit (loss) for the period before taxes9903€-2k€35k▲
Income taxes67/77€-550€8k▲
Profit (loss) for the period9904€-2k€27k▲
Profit (loss) for the period to be appropriated9905€-2k€27k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-2k€27k▲
Profit (loss) brought forward from the previous period14P€0-
Transfer from equity791/2€2k€0▼
Transfer to equity691/2€0€27k▲
To other reserves6921€0€27k▲
The notes to these accounts (9 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
2025
08-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Back to profitnet €27k
Net result €27k after one loss-making year.
2024
10-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
30-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-03
Financial
Back to profitnet €82k
Net result €82k after one loss-making year.
2022
20-09
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
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, Malle · 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.
Antwerpsesteenweg 3952390 MalleGround area
3,593 m²
Building footprint
262 m²
Volume, LiDAR
873 m³
Parcel 11049B0457/00S000, Flanders · tallest building 11.7 m. Linked by address, not a title deed.
1 establishment unit
AVEFIN
since 20212.313.812.858
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11049B0457/00S000 | Flanders | 3,593 m² | 1 · 262 m² | 11.7 m |
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.
Similar companies · same sector, comparable size
BILAX
BE 0783.899.857
Oostkamp · Eq €45,697
Pieter Pen
BE 0644.901.134
Antwerpen · Eq €45,701
ADL Pharma
BE 1004.847.744
Leuven · Eq €45,664
LEON INVEST
BE 0884.730.367
Roeselare · Eq €45,717
Brelmo
BE 0717.825.239
Brakel · Eq €45,641
Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 10,156 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
Founded29-01-2021
Fiscal year end31-03
Activities, NACEBEL 2025
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.