Summary
BAKEN 92 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 €261k and a net result of €157k. Equity is growing by ~19.9% per year across the filed fiscal years. Its solvency ranks better than 29% of 1475 sector peers (fiscal year 2025). The company has been active since 2022 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 06-07-2026, 25 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
25 d early
2024
7 d early
2023
5 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, abbreviated schema
Equity
€261k▼ 9.4%
2024 · €288k
2023: €157k
2024: €288k
2023 → 2025
Net result
€157k▲ 20.0%
2024 · €131k
2023: €57k
2024: €131k
2023 → 2025
Total assets
€1.27M▼ 7.2%
2024 · €1.37M
2023: €1.58M
2024: €1.37M
2023 → 2025
Solvency
20.5%▼ 0.5pp
2024 · 21.0%
2023: 9.9%
2024: 21.0%
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€157k-€288k▲ 83.5%€261k▼ 9.4%
Operating result€112k-€208k▲ 85.8%€233k▲ 11.8%
Net result€57k-€131k▲ 130%€157k▲ 20.0%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 12% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.27M
Fixed assets
€976k ▼ 13.5%
Current assets
€298k ▲ 21.8%
Equity and liabilities €1.27M
Equity
€261k ▼ 9.4%
Debt
€1.01M ▼ 6.6%
Debt's share of the balance-sheet total rises from 79.0% to 79.5%. Equity and debt are lower.
Key figures and ratios
ROE
60.3%▲
2024 · 45.5%
ROA
12.3%▲
2024 · 9.5%
Debt ≤ 1 year
€318k▲
2024 · €262k
Debt > 1 year
€696k▼
2024 · €824k
Income taxes
€57k▲
2024 · €48k
Staff costs
€326k▲
2024 · €272k
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 · 51 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.37M€1.27M▼
Fixed assets21/28€1.13M€976k▼
Intangible fixed assets21€990k€869k▼
Tangible fixed assets22/27€139k€107k▼
Plant, machinery and equipment23€45k€35k▼
Furniture and vehicles24€94k€72k▼
Current assets29/58€245k€298k▲
Amounts receivable within one year40/41€73k€75k▲
Trade receivables40€73k€75k▲
Current investments50/53-€100k
Cash at bank and in hand54/58€170k€121k▼
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€1.37M€1.27M▼
Equity10/15€288k€261k▼
Contributions10/11€100k€100k=
Reserves13€131k€161k▲
Distributable reserves133€131k€161k▲
Profit (loss) carried forward14€57k-
Amounts payable17/49€1.09M€1.01M▼
Amounts payable after more than one year17€824k€696k▼
Financial debts170/4€824k€696k▼
Amounts payable within one year42/48€262k€318k▲
Current portion of amounts payable after more than one year42€128k€128k▲
Trade debts44€4k€52k▲
Suppliers440/4€4k€52k▲
Advances received on contracts in progress46€36k€30k▼
Taxes, remuneration and social security45€95k€108k▲
Taxes450/3€56k€73k▲
Remuneration and social security454/9€38k€35k▼
Other amounts payable47/48-€207
Income statement
Code20242025
Remuneration, social security and pensions62€272k€326k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€155k€155k▲
Other operating charges640/8€2k€2k▼
Gross operating margin9900€637k€716k▲
Operating profit (loss)9901€208k€233k▲
Financial income75/76B€434€2k▲
Recurring financial income75€434€2k▲
Financial charges65/66B€30k€21k▼
Recurring financial charges65€30k€21k▼
Profit (loss) for the period before taxes9903€179k€214k▲
Income taxes67/77€48k€57k▲
Profit (loss) for the period9904€131k€157k▲
Profit (loss) for the period to be appropriated9905€131k€157k▲
Appropriation of the result
Profit (loss) to be appropriated9906€188k€214k▲
Profit (loss) brought forward from the previous period14P€57k€57k=
Transfer from equity791/2-€128k
Transfer to equity691/2€131k€157k▲
To other reserves6921€131k€157k▲
Profit to be distributed694/7-€184k
Return on contributions (dividend)694-€184k
Social balance
Average headcount (FTE)90873.53.7▲
The notes to these accounts (11 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
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2023net €157k ▲20%
Operating result €233k, net result €157k, both a record.
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Equity above €200kEq €288k ▲83.5%
2 profitable years in a row build equity to €288k.
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated 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, Buggenhout · 3 establishment units since 2023
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.
Kerkstraat 589255 BuggenhoutGround area
2,383 m²
Building footprint
460 m²
Volume, LiDAR
3,353 m³
3 parcels, Flanders · tallest building 14.1 m, ±3 floors. Linked by address, not a title deed.
3 establishment units
BAKEN 92
since 20232.333.379.738
Elsbosstraat (STG) 22, 9200 Dendermonde
since 20232.333.379.837
Leo Duboisstraat 26, 9280 Lebbeke
since 20232.333.379.936
3 parcels
Flanders
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42011A0926/00Y000 | Flanders | 1,525 m² | 1 · 162 m² | 14.1 m · 3 fl. |
| 42021A0328/00F002 | Flanders | 534 m² | 1 · 181 m² | 9.8 m · 1 fl. |
| 42004A0079/00E002 | Flanders | 324 m² | 1 · 117 m² | 14.0 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Public money · subsidies and aid
Flemish government
2025 · 2 entries · 1,947 EUR awarded · 1,947 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 2 | 1,947 EUR | 1,947 EUR |
Schemes
Retroactieve investeringspremie voor eigenaars van zonnepanelen na afschaffing van terugdraaiende teller
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 4,683 companies in sector 66220 we hold annual accounts for 3,228. 2,773 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
Founded03-06-2022
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
65112Insurance, reinsurance and pension funding, except compulsory social security
65122Insurance, reinsurance and pension funding, except compulsory social security
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.