B CAPITAL 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 €3.33M and a net result of €240k. Equity is growing by ~21.7% per year across the filed fiscal years. Its solvency ranks better than 82% of 5523 sector peers (fiscal year 2025). The company has been active since 2019 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 15-07-2026, 16 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
16 d early
2024
18 d late
2023
29 d early
2022
23 d late
2021
24 d late
2020
11 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€3.33M▲ 7.8%
2024 · €3.09M
2020: €-13k
2021: €-43k
2022: €3.07M
2023: €3.11M
2024: €3.09M
2020 → 2025
Net result
€240k
2024 · €-25k
2020: €-23k
2021: €-30k
2022: €-86k
2023: €39k
2024: €-25k
2020 → 2025
Total assets
€3.83M▼ 4.4%
2024 · €4.01M
2020: €518k
2021: €646k
2022: €3.80M
2023: €3.72M
2024: €4.01M
2020 → 2025
Solvency
86.8%▲ 9.8pp
2024 · 77.0%
2020: -2.6%
2021: -6.7%
2022: 80.9%
2023: 83.6%
2024: 77.0%
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-43k-€3.07M€3.11M▲ 1.3%€3.09M▼ 0.8%€3.33M▲ 7.8%
Operating result€-6k-€5k€53k▲ 934%€-15k€-6k▲ 59.7%
Net result€-30k-€-86k▼ 187%€39k€-25k€240k
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €6k in 2025 against €15k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.83M
Fixed assets
€3.70M=
Current assets
€129k▼ 57.8%
Equity and liabilities €3.83M
Equity
€3.33M▲ 7.8%
Debt
€505k▼ 45.3%
The debt ratio falls from 23.0% to 13.2%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
86.8%▲
2024 · 77.0%
ROE
7.2%▲
2024 · -0.8%
ROA
6.3%▲
2024 · -0.6%
Debt
€505k▼
2024 · €922k
Debt ≤ 1 year
€334k▼
2024 · €705k
Debt > 1 year
€171k▼
2024 · €217k
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€4.01M€3.83M▼
Fixed assets21/28€3.70M€3.70M=
Tangible fixed assets22/27€679€0▼
Furniture and vehicles24€679€0▼
Financial fixed assets28€3.70M€3.70M=
Current assets29/58€305k€129k▼
Amounts receivable within one year40/41€2k€50k▲
Other amounts receivable41€2k€50k▲
Current investments50/53€250k€0▼
Cash at bank and in hand54/58€52k€79k▲
Deferred charges and accrued income490/1€374€0▼
Equity and liabilities
Total equity and liabilities10/49€4.01M€3.83M▼
Equity10/15€3.09M€3.33M▲
Contributions10/11€3.21M€3.21M=
Profit (loss) carried forward14€-125k€115k▲
Amounts payable17/49€922k€505k▼
Amounts payable after more than one year17€217k€171k▼
Financial debts170/4€217k€171k▼
Amounts payable within one year42/48€705k€334k▼
Current portion of amounts payable after more than one year42€45k€46k▲
Trade debts44€325€2k▲
Suppliers440/4€325€2k▲
Other amounts payable47/48€660k€287k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€838€679▼
Other operating charges640/8€968€1k▲
Non-recurring operating charges66A€6k€0▼
Gross operating margin9900€-7k€-4k▲
Operating profit (loss)9901€-15k€-6k▲
Financial income75/76B€9k€262k▲
Recurring financial income75€3k€262k▲
Non-recurring financial income76B€6k€0▼
Financial charges65/66B€19k€17k▼
Recurring financial charges65€19k€17k▼
Non-recurring financial charges66B€0-
Profit (loss) for the period before taxes9903€-25k€240k▲
Profit (loss) for the period9904€-25k€240k▲
Profit (loss) for the period to be appropriated9905€-25k€240k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-125k€115k▲
Profit (loss) brought forward from the previous period14P€-100k€-125k▼
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (19 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
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Back to profitnet €240k
Net result €240k after one loss-making year.
18-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 18 days late
2024
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Back to profitnet €39k
Net result €39k after 3 loss-making years.
23-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 23 days late
2022
31-12
Financial
Weakest financial yearnet €-86k
Net result drops to €-86k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €2MEq €3.07M
Equity rises from €-43k to €3.07M.
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 24 days late
2021
20-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Ukkel · 1 establishment unit since 2019
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.
Wilderoselaarslaan 33B1180 UkkelGround area
3,055 m²
Building footprint
623 m²
Volume, LiDAR
4,007 m³
2 parcels, Brussels, Wallonia · tallest building 9.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
B CAPITAL
since 20192.289.853.660
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21614H0008/00A042 | Brussels | 2,120 m² | 1 · 271 m² | 9.6 m · 2 fl. |
| 57069C0256/00F000 | Wallonia | 934 m² | 1 · 352 m² | 7.9 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 9,402 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-05-2019
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
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.