BALLI-FINANCES 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 €390k and a net result of €82k. Equity is growing by ~26.3% per year across the filed fiscal years. Its solvency ranks better than 74% of 2435 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
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 16-07-2026, 15 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
15 d early
2024
21 d late
2023
1 d early
2022
3 d late
2021
1 d late
2020
24 d late
2019
39 d late
← 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€390k▲ 26.6%
2024 · €308k
2018: €81k
2019: €86k
2020: €89k
2021: €137k
2022: €205k
2023: €205k
2024: €308k
2018 → 2025
Net result
€82k▼ 20.3%
2024 · €103k
2018: €42k
2019: €5k
2020: €28k
2021: €97k
2022: €118k
2023: €41k
2024: €103k
2018 → 2025
Total assets
€516k▲ 20.6%
2024 · €428k
2018: €178k
2019: €186k
2020: €169k
2021: €178k
2022: €363k
2023: €330k
2024: €428k
2018 → 2025
Solvency
75.6%▲ 3.6pp
2024 · 72.0%
2018: 45.9%
2019: 46.3%
2020: 52.8%
2021: 76.8%
2022: 56.4%
2023: 62.2%
2024: 72.0%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€137k-€205k▲ 49.9%€205k▲ 0.3%€308k▲ 50.2%€390k▲ 26.6%
Operating result€124k-€167k▲ 35.3%€78k▼ 53.6%€161k▲ 107%€131k▼ 18.4%
Net result€97k-€118k▲ 21.1%€41k▼ 65.6%€103k▲ 154%€82k▼ 20.3%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 18% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €516k
Fixed assets
€101k▼ 9.6%
Current assets
€415k▲ 31.3%
Equity and liabilities €516k
Equity
€390k▲ 26.6%
Debt
€126k▲ 5.0%
The debt ratio falls from 28.0% to 24.4%. Equity and debt are higher.
Key figures and ratios
Solvency
75.6%▲
2024 · 72.0%
ROE
21.0%▼
2024 · 33.4%
ROA
15.9%▼
2024 · 24.1%
Debt
€126k▲
2024 · €120k
Debt ≤ 1 year
€111k▲
2024 · €88k
Debt > 1 year
€15k▼
2024 · €32k
Income taxes
€48k▼
2024 · €56k
Staff costs
€40k▲
2024 · €33k
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€428k€516k▲
Fixed assets21/28€112k€101k▼
Tangible fixed assets22/27€112k€101k▼
Land and buildings22€20k€19k▼
Plant, machinery and equipment23€1k€5k▲
Furniture and vehicles24€55k€40k▼
Other tangible fixed assets26€35k€37k▲
Financial fixed assets28€250€250=
Current assets29/58€316k€415k▲
Amounts receivable after more than one year29€277k€348k▲
Trade receivables290€277k€348k▲
Amounts receivable within one year40/41€3k€18k▲
Trade receivables40€3k€18k▲
Cash at bank and in hand54/58€30k€37k▲
Deferred charges and accrued income490/1€6k€12k▲
Equity and liabilities
Total equity and liabilities10/49€428k€516k▲
Equity10/15€308k€390k▲
Contributions10/11€6k€6k=
Reserves13€220k€303k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€219k€301k▲
Profit (loss) carried forward14€82k€82k=
Amounts payable17/49€120k€126k▲
Amounts payable after more than one year17€32k€15k▼
Financial debts170/4€32k€15k▼
Amounts payable within one year42/48€88k€111k▲
Current portion of amounts payable after more than one year42€21k€21k▼
Trade debts44€12k€48k▲
Suppliers440/4€12k€48k▲
Taxes, remuneration and social security45€55k€42k▼
Taxes450/3€51k€38k▼
Remuneration and social security454/9€4k€5k▲
Income statement
Code20242025
Remuneration, social security and pensions62€33k€40k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€27k€40k▲
Other operating charges640/8€8k€26k▲
Gross operating margin9900€228k€237k▲
Operating profit (loss)9901€161k€131k▼
Financial income75/76B-€3
Recurring financial income75-€3
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€159k€130k▼
Income taxes67/77€56k€48k▼
Profit (loss) for the period9904€103k€82k▼
Profit (loss) for the period to be appropriated9905€103k€82k▼
Appropriation of the result
Profit (loss) to be appropriated9906€185k€164k▼
Profit (loss) brought forward from the previous period14P€82k€82k=
Transfer to equity691/2€103k€82k▼
To other reserves6921€103k€82k▼
The notes to these accounts (10 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
16-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
21-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 21 days late
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
03-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 3 days late
2022
31-12
Financial
Highest result since 2018net €118k ▲21.1%
Operating result €167k, net result €118k, both a record.
31-12
Financial
Equity above €200kEq €205k ▲49.9%
5 profitable years in a row build equity to €205k.
01-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 1 day late
2021
31-12
Financial
Equity above €100kEq €137k ▲53.3%
4 profitable years in a row build equity to €137k.
24-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 24 days late
2020
08-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 39 days late
2019
31-12
Financial
Weakest financial yearnet €5k ▼89.1%
Net result drops to €5k, the lowest in the series; recovery starts the following year.
07-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 7 days late
2018
14-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 14 days late
2017
22-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 22 days late
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, Wemmel · 1 establishment unit since 2015
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.
Louis Pasteurlaan 51780 WemmelGround area
2,328 m²
Building footprint
424 m²
Volume, LiDAR
6,020 m³
2 parcels, Brussels, Flanders · tallest building 20.5 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
Balli-Finances
since 20152.240.721.576
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22005A0014/00F002 | Flanders | 1,598 m² | 1 · 137 m² | 8.3 m · 2 fl. |
| 21906D0170/00C002 | Brussels | 730 m² | 1 · 287 m² | 20.5 m · 6 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.
Recognitions · licences · registrations
Legal Entity Identifier
98450084B6D7FC798037
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Of 4,683 companies in sector 66220 we hold annual accounts for 3,228. 2,680 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-07-2009
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.