AVISOS 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 €226k and a net result of €51k. Equity is shrinking by ~3.7% per year across the filed fiscal years. Its solvency ranks better than 76% of 7994 sector peers (fiscal year 2025). The company has been active since 2002 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.
−lowers risk○neutral
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €226k
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 19-01-2026, 101 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
101 d early
2024
69 d early
2023
78 d early
2022
18 d early
2021
115 d early
2020
43 d early
2019
34 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
19-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€226k▲ 13.8%
2024 · €199k
2018: €242k
2019: €276k
2020: €218k
2021: €188k
2022: €177k
2023: €179k
2024: €199k
2018 → 2025
Net result
€51k▼ 5.0%
2024 · €54k
2018: €29k
2019: €34k
2020: €24k
2021: €29k
2022: €31k
2023: €31k
2024: €54k
2018 → 2025
Total assets
€288k▲ 3.6%
2024 · €278k
2018: €300k
2019: €326k
2020: €302k
2021: €278k
2022: €276k
2023: €246k
2024: €278k
2018 → 2025
Solvency
78.5%▲ 7.0pp
2024 · 71.4%
2018: 80.9%
2019: 84.8%
2020: 72.0%
2021: 67.6%
2022: 63.9%
2023: 72.8%
2024: 71.4%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€188k-€177k▼ 6.0%€179k▲ 1.3%€199k▲ 11.2%€226k▲ 13.8%
Operating result€46k-€40k▼ 13.0%€41k▲ 2.4%€72k▲ 74.4%€69k▼ 4.2%
Net result€29k-€31k▲ 7.2%€31k▲ 0.4%€54k▲ 75.4%€51k▼ 5.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 4% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €288k
Fixed assets
€9k▼ 50.0%
Current assets
€279k▲ 7.4%
Equity and liabilities €288k
Equity
€226k▲ 13.8%
Debt
€62k▼ 22.0%
The debt ratio falls from 28.6% to 21.5%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
78.5%▲
2024 · 71.4%
ROE
22.7%▼
2024 · 27.2%
ROA
17.8%▼
2024 · 19.4%
Debt
€62k▼
2024 · €80k
Debt ≤ 1 year
€61k▼
2024 · €72k
Income taxes
€21k▼
2024 · €21k
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€278k€288k▲
Fixed assets21/28€19k€9k▼
Tangible fixed assets22/27€19k€9k▼
Furniture and vehicles24€19k€9k▼
Current assets29/58€260k€279k▲
Amounts receivable after more than one year29€75k€75k=
Other amounts receivable291€75k€75k=
Amounts receivable within one year40/41€23k€18k▼
Trade receivables40€23k€18k▼
Other amounts receivable41€60€60=
Cash at bank and in hand54/58€153k€177k▲
Deferred charges and accrued income490/1€9k€9k▲
Equity and liabilities
Total equity and liabilities10/49€278k€288k▲
Equity10/15€199k€226k▲
Contributions10/11€1€1=
Reserves13€199k€226k▲
Distributable reserves133€199k€226k▲
Amounts payable17/49€80k€62k▼
Amounts payable after more than one year17€7k-
Financial debts170/4€7k-
Amounts payable within one year42/48€72k€61k▼
Current portion of amounts payable after more than one year42€10k€7k▼
Trade debts44€3k€5k▲
Suppliers440/4€3k€5k▲
Taxes, remuneration and social security45€17k€16k▼
Taxes450/3€17k€16k▼
Other amounts payable47/48€43k€33k▼
Accrued charges and deferred income492/3€291€1k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€9k▼
Other operating charges640/8€1k€1k▲
Non-recurring operating charges66A€473-
Gross operating margin9900€83k€79k▼
Operating profit (loss)9901€72k€69k▼
Financial income75/76B€4k€5k▲
Recurring financial income75€4k€5k▲
Financial charges65/66B€652€1k▲
Recurring financial charges65€652€1k▲
Profit (loss) for the period before taxes9903€75k€72k▼
Income taxes67/77€21k€21k▼
Profit (loss) for the period9904€54k€51k▼
Profit (loss) for the period to be appropriated9905€54k€51k▼
Appropriation of the result
Profit (loss) to be appropriated9906€54k€51k▼
Transfer from equity791/2€34k€24k▼
Transfer to equity691/2€54k€51k▼
To other reserves6921€54k€51k▼
Profit to be distributed694/7€34k€24k▼
Return on contributions (dividend)694€34k€24k▼
The notes to these accounts (7 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
19-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Equity above €200kEq €226k ▲13.8%
8 profitable years in a row build equity to €226k.
20-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Highest result since 2018net €54k ▲75.4%
Operating result €72k, net result €54k, both a record.
12-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
12-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
05-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
18-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Weakest financial yearnet €24k ▼29.5%
Net result drops to €24k, the lowest in the series; recovery starts the following year.
27-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
12-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
05-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
03-04
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Herentals · 1 establishment unit since 2002
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.
Ring(NDW) 832200 HerentalsGround area
2,696 m²
Building footprint
269 m²
Volume, LiDAR
1,519 m³
Parcel 13027B0251/02D000, Flanders · tallest building 10.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Ring(NDW) 83, 2200 Herentals
since 20022.096.096.952
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13027B0251/02D000 | Flanders | 2,696 m² | 1 · 269 m² | 10.8 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.
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Of 24,727 companies in sector 64210 we hold annual accounts for 19,759. 13,553 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-05-2002
Fiscal year end30-09
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
74151
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.