Summary
baak 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 €144k and a net result of €3k. Equity is growing by ~21.5% per year across the filed fiscal years. Its solvency ranks better than 51% of 8023 sector peers (fiscal year 2025). The company has been active since 2009 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
1 signal. 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 20-07-2026, 11 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
11 d early
2024
22 d early
2023
34 d early
2022
31 d early
2021
39 d early
2020
40 d early
2019
15 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€144k▲ 2.3%
2024 · €141k
2018: €44k
2019: €52k
2020: €65k
2021: €81k
2022: €102k
2023: €117k
2024: €141k
2018 → 2025
Net result
€3k▼ 86.9%
2024 · €24k
2018: €17k
2019: €8k
2020: €13k
2021: €16k
2022: €21k
2023: €15k
2024: €24k
2018 → 2025
Total assets
€275k▼ 8.4%
2024 · €301k
2018: €331k
2019: €365k
2020: €365k
2021: €316k
2022: €315k
2023: €305k
2024: €301k
2018 → 2025
Solvency
52.4%▲ 5.5pp
2024 · 46.9%
2018: 13.2%
2019: 14.2%
2020: 17.7%
2021: 25.5%
2022: 32.3%
2023: 38.2%
2024: 46.9%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€81k-€102k▲ 26.0%€117k▲ 14.8%€141k▲ 20.8%€144k▲ 2.3%
Operating result€28k-€35k▲ 25.5%€27k▼ 23.2%€40k▲ 48.0%€5k▼ 88.6%
Net result€16k-€21k▲ 32.5%€15k▼ 28.6%€24k▲ 61.8%€3k▼ 86.9%
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 89% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €275k
Fixed assets
€198k ▼ 4.8%
Current assets
€78k ▼ 16.4%
Equity and liabilities €275k
Equity
€144k ▲ 2.3%
Debt
€131k ▼ 17.8%
Debt's share of the balance-sheet total falls from 53.1% to 47.6%. Equity is higher and debt is lower.
Key figures and ratios
ROE
2.2%▼
2024 · 17.2%
ROA
1.2%▼
2024 · 8.1%
Debt ≤ 1 year
€10k▼
2024 · €24k
Debt > 1 year
€122k▼
2024 · €135k
Income taxes
€2k▼
2024 · €10k
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 · 41 lines
Balance sheet
Code20242025
Assets
Total assets20/58€301k€275k▼
Fixed assets21/28€208k€198k▼
Tangible fixed assets22/27€208k€198k▼
Land and buildings22€203k€193k▼
Furniture and vehicles24€5k€4k▼
Current assets29/58€93k€78k▼
Amounts receivable within one year40/41€26k€12k▼
Trade receivables40€25k€0▼
Other amounts receivable41€1k€12k▲
Cash at bank and in hand54/58€65k€64k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€301k€275k▼
Equity10/15€141k€144k▲
Contributions10/11€6k€6k=
Reserves13€135k€138k▲
Distributable reserves133€135k€138k▲
Amounts payable17/49€160k€131k▼
Amounts payable after more than one year17€135k€122k▼
Financial debts170/4€135k€122k▼
Amounts payable within one year42/48€24k€10k▼
Current portion of amounts payable after more than one year42€4k€0▼
Trade debts44€5k€8k▲
Suppliers440/4€5k€8k▲
Taxes, remuneration and social security45€10k€505▼
Taxes450/3€10k€505▼
Other amounts payable47/48€5k€2k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€12k▲
Other operating charges640/8€3k€3k▼
Gross operating margin9900€55k€19k▼
Operating profit (loss)9901€40k€5k▼
Financial income75/76B€277€568▲
Recurring financial income75€277€568▲
Financial charges65/66B€7k€391▼
Recurring financial charges65€7k€391▼
Profit (loss) for the period before taxes9903€34k€5k▼
Income taxes67/77€10k€2k▼
Profit (loss) for the period9904€24k€3k▼
Profit (loss) for the period to be appropriated9905€24k€3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€24k€3k▼
Transfer to equity691/2€24k€3k▼
To other reserves6921€24k€3k▼
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
2026
20-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €3k ▼86.9%
Net result drops to €3k, the lowest in the series.
31-12
Financial
Liquidity doublescurrent ratio 8.14
Current ratio from 3.81 to 8.14; short-term debt falls from €24k to €10k.
09-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €24k ▲61.8%
Operating result €40k, net result €24k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 3.81
Current ratio from 1.80 to 3.81; short-term debt falls from €49k to €24k.
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €100kEq €102k ▲26%
5 profitable years in a row build equity to €102k.
22-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
21-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
16-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Show earlier events
2019
10-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
12-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
16-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Antwerpen · 1 establishment unit since 2009
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.
Frans De Manstraat 102600 AntwerpenGround area
201 m²
Building footprint
76 m²
Volume, LiDAR
488 m³
Parcel 11003A0173/00B009, Flanders · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
baak
since 20092.179.796.470
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11003A0173/00B009 | Flanders | 201 m² | 1 · 75 m² | 8.2 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.
Similar companies · same sector, comparable size
BRANSONPHARMA
BE 0875.342.054
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NORMAN
BE 0762.595.291
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GROUP COLLART
BE 1017.200.101
Morlanwelz · Eq €144,283
CAP SUD-EST
BE 0546.555.804
Mons · Eq €144,289
D. INVEST
BE 0885.061.949
Edegem · Eq €144,086
Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 13,151 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
Founded13-07-2009
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.