B-LINK is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €199k and a net result of €45k. Equity is growing by ~30% per year across the filed fiscal years. Its solvency ranks better than 57% of 9864 sector peers (fiscal year 2024). The company has been active since 2016 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.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 02-07-2025, 29 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
not confirmed
2024
29 d early
2023
16 d early
2022
4 d late
2021
5 d late
2020
2 d late
2019
18 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€199k▲ 29.4%
2023 · €154k
2018: €40k
2019: €54k
2020: €106k
2021: €94k
2022: €116k
2023: €154k
2018 → 2024
Net result
€45k▲ 19.3%
2023 · €38k
2018: €26k
2019: €13k
2020: €45k
2021: €28k
2022: €22k
2023: €38k
2018 → 2024
Total assets
€321k▲ 14.7%
2023 · €280k
2018: €60k
2019: €151k
2020: €154k
2021: €134k
2022: €150k
2023: €280k
2018 → 2024
Solvency
62.1%▲ 7.0pp
2023 · 55.1%
2018: 67.9%
2019: 35.7%
2020: 68.7%
2021: 70.1%
2022: 77.2%
2023: 55.1%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€106k-€94k▼ 10.7%€116k▲ 23.2%€154k▲ 32.7%€199k▲ 29.4%
Operating result€59k-€38k▼ 34.9%€32k▼ 17.3%€58k▲ 85.0%€64k▲ 9.7%
Net result€45k-€28k▼ 38.9%€22k▼ 21.3%€38k▲ 73.8%€45k▲ 19.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 10% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €321k
Fixed assets
€179k▲ 4.8%
Current assets
€141k▲ 30.4%
Equity and liabilities €321k
Equity
€199k▲ 29.4%
Debt
€122k▼ 3.3%
The debt ratio falls from 44.9% to 37.9%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
62.1%▲
2023 · 55.1%
ROE
22.7%▼
2023 · 24.6%
ROA
14.1%▲
2023 · 13.6%
Debt
€122k▼
2023 · €126k
Debt ≤ 1 year
€58k▲
2023 · €49k
Debt > 1 year
€63k▼
2023 · €77k
Income taxes
€14k▼
2023 · €16k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€280k€321k▲
Fixed assets21/28€171k€179k▲
Tangible fixed assets22/27€760€9k▲
Plant, machinery and equipment23€760€556▼
Furniture and vehicles24-€8k
Financial fixed assets28€171k€171k=
Current assets29/58€108k€141k▲
Stocks and contracts in progress3-€2k
Stocks30/36-€2k
Amounts receivable within one year40/41€75k€71k▼
Trade receivables40€64k€71k▲
Other amounts receivable41€11k-
Cash at bank and in hand54/58€5k€30k▲
Deferred charges and accrued income490/1€29k€38k▲
Equity and liabilities
Total equity and liabilities10/49€280k€321k▲
Equity10/15€154k€199k▲
Reserves13€154k€199k▲
Distributable reserves133€154k€199k▲
Amounts payable17/49€126k€122k▼
Amounts payable after more than one year17€77k€63k▼
Financial debts170/4€77k€63k▼
Amounts payable within one year42/48€49k€58k▲
Current portion of amounts payable after more than one year42€20k€18k▼
Trade debts44€22k€30k▲
Suppliers440/4€22k€30k▲
Taxes, remuneration and social security45€7k€10k▲
Taxes450/3€7k€10k▲
Other amounts payable47/48-€74
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€2k▼
Other operating charges640/8€527€973▲
Gross operating margin9900€63k€67k▲
Operating profit (loss)9901€58k€64k▲
Financial income75/76B€33€5▼
Recurring financial income75€33€5▼
Financial charges65/66B€5k€5k▲
Recurring financial charges65€5k€5k▲
Profit (loss) for the period before taxes9903€54k€59k▲
Income taxes67/77€16k€14k▼
Profit (loss) for the period9904€38k€45k▲
Profit (loss) for the period to be appropriated9905€38k€45k▲
Appropriation of the result
Profit (loss) to be appropriated9906€38k€45k▲
Transfer to equity691/2€38k€45k▲
To other reserves6921€38k€45k▲
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
15-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
18-03
State Gazette act
Board meeting · Registered-office move
Power of attorney · Director appointment
13-03
State Gazette act
Board meeting · Power of attorney
Director appointment · Permanent representative
30-01
State Gazette act
General meeting · Statutes amendment
Reserve release · Capital
2023
31-12
Financial
Equity above €150kEq €154k ▲32.7%
6 profitable years in a row build equity to €154k.
04-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 4 days late
2022
31-12
Financial
Equity above €100kEq €116k ▲23.2%
5 profitable years in a row build equity to €116k.
05-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 5 days late
12-04
State Gazette act
General meeting · Share issue
Capital increase · Capital
2021
31-08
State Gazette act
Capital increase · Share issue
Capital · Power of attorney
02-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 2 days late
11-02
State Gazette act
Board meeting · Power of attorney
Permanent representative
10-02
State Gazette act
Board meeting · Power of attorney
2020
31-12
Financial
Highest result since 2018net €45k ▲237%
Net result €45k, the highest in the series.
31-12
Financial
Liquidity triplescurrent ratio 4.80
Current ratio from 1.47 to 4.80; short-term debt falls from €55k to €18k.
31-12
Financial
Equity above €100kEq €106k ▲95.6%
3 profitable years in a row build equity to €106k.
18-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 18 days late
2019
31-12
Financial
Weakest financial yearnet €13k ▼48%
Net result drops to €13k, the lowest in the series; recovery starts the following year.
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneState Gazette actNBB 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, Herselt · 1 establishment unit since 2016
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.
Poedertoren 12230 HerseltGround area
1,302 m²
Building footprint
254 m²
Volume, LiDAR
1,231 m³
Parcel 13013D0352/00C000, Flanders · tallest building 9.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
B-LINK
since 20162.253.859.138
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13013D0352/00C000 | Flanders | 1,302 m² | 1 · 254 m² | 9.0 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 24,726 companies in sector 64210 we hold annual accounts for 19,747. 13,521 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-06-2016
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
46120Wholesale trade
46130Agents in the wholesale of timber and building materials
46140Agents in the wholesale of industrial machinery, ships and aircraft
46150Agents in the wholesale of furniture, household goods and hardware
46180Agents specialised in the wholesale of other particular products
46190Agents in non-specialised wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.