Summary
Bart De Moor 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 €298k and a net result of €1k. Equity remains stable across the filed fiscal years (±0.3% per year). Its solvency ranks better than 95% of 8023 sector peers (fiscal year 2025). The company has been active since 2004 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 30-06-2025 was due by 31-01-2026 and was filed on 07-01-2026, 24 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
24 d early
2024
25 d early
2023
28 d early
2022
1 d early
2021
on the day
2020
19 d late
2019
42 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€298k▲ 0.5%
2024 · €296k
2019: €174k
2020: €294k
2021: €295k
2022: €295k
2023: €296k
2024: €296k
2019 → 2025
Net result
€1k▲ 125%
2024 · €654
2019: €-8k
2020: €120k
2021: €1k
2022: €-373
2023: €938
2024: €654
2019 → 2025
Total assets
€308k▼ 2.1%
2024 · €314k
2019: €246k
2020: €369k
2021: €355k
2022: €342k
2023: €333k
2024: €314k
2019 → 2025
Solvency
96.8%▲ 2.5pp
2024 · 94.4%
2019: 70.7%
2020: 79.7%
2021: 83.2%
2022: 86.2%
2023: 88.9%
2024: 94.4%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€295k-€295k▼ 0.1%€296k▲ 0.3%€296k▲ 0.2%€298k▲ 0.5%
Operating result€7k-€-507€2k€1k▼ 15.8%€1k▲ 0.8%
Net result€1k-€-373€938€654▼ 30.3%€1k▲ 125%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 1% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €308k
Fixed assets
€1k ▼ 83.8%
Current assets
€306k =
Equity and liabilities €308k
Equity
€298k ▲ 0.5%
Debt
€10k ▼ 44.9%
Debt's share of the balance-sheet total falls from 5.6% to 3.2%. Equity is higher and debt is lower.
Key figures and ratios
ROE
0.5%▲
2024 · 0.2%
ROA
0.5%▲
2024 · 0.2%
Debt ≤ 1 year
€10k▼
2024 · €17k
Income taxes
€2k▲
2024 · €2k
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 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€314k€308k▼
Fixed assets21/28€8k€1k▼
Tangible fixed assets22/27€8k€1k▼
Furniture and vehicles24€8k€1k▼
Current assets29/58€306k€306k=
Amounts receivable after more than one year29€95k€95k=
Other amounts receivable291€95k€95k=
Amounts receivable within one year40/41€18k€30k▲
Trade receivables40€9k€8k▼
Other amounts receivable41€9k€22k▲
Current investments50/53€100k€100k=
Cash at bank and in hand54/58€91k€78k▼
Deferred charges and accrued income490/1€2k€4k▲
Equity and liabilities
Total equity and liabilities10/49€314k€308k▼
Equity10/15€296k€298k▲
Contributions10/11€13k€13k=
Reserves13€284k€285k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€282k€283k▲
Amounts payable17/49€18k€10k▼
Amounts payable after more than one year17€985-
Financial debts170/4€985-
Amounts payable within one year42/48€17k€10k▼
Current portion of amounts payable after more than one year42€6k€985▼
Trade debts44€956€554▼
Suppliers440/4€956€554▼
Taxes, remuneration and social security45€10k€8k▼
Taxes450/3€5k€6k▲
Remuneration and social security454/9€5k€3k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€7k▲
Other operating charges640/8€450€779▲
Gross operating margin9900€8k€9k▲
Operating profit (loss)9901€1k€1k▲
Financial income75/76B€2k€3k▲
Recurring financial income75€2k€3k▲
Financial charges65/66B€445€441▼
Recurring financial charges65€445€441▼
Profit (loss) for the period before taxes9903€3k€4k▲
Income taxes67/77€2k€2k▲
Profit (loss) for the period9904€654€1k▲
Profit (loss) for the period to be appropriated9905€654€1k▲
Appropriation of the result
Profit (loss) to be appropriated9906€654€1k▲
Transfer to equity691/2€654€1k▲
To other reserves6921€654€1k▲
The notes to these accounts (4 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
07-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
06-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
03-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Back to profitnet €938
Net result €938 after one loss-making year.
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
19-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 19 days late
2020
30-06
Financial
Back to profitnet €120k
Net result €120k after one loss-making year.
30-06
Financial
Liquidity times 76current ratio 4.92
Current ratio from 0.07 to 4.92.
30-06
Financial
Equity above €200kEq €294k ▲69.3%
Equity rises from €174k to €294k.
13-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 42 days late
2019
26-02
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 26 days late
2018
28-02
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 28 days late
2017
16-02
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 16 days late
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, Bornem · 1 establishment unit since 2004
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.
Puursesteenweg(BOR) 3672880 BornemGround area
3,032 m²
Building footprint
1,361 m²
Volume, LiDAR
5,162 m³
2 parcels, Flanders · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
De Moor - De Wolf
since 20042.136.586.138
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12007C0228/00F000 | Flanders | 2,554 m² | 1 · 1,225 m² | 4.5 m · 1 fl. |
| 12015A0621/00M000 | Flanders | 479 m² | 1 · 137 m² | 9.4 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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BE 1021.699.812
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 13,764 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
Founded26-03-2004
Fiscal year end30-06
Activities, NACEBEL 2025
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.