BE BOSS 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 €22k and a net result of €9k. Equity is growing by ~6.9% per year across the filed fiscal years. Its solvency ranks better than 28% of 3323 sector peers (fiscal year 2024). The company has been active since 2018 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 19-06-2025, 42 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
not confirmed
2024
42 d early
2023
6 d late
2022
61 d early
2021
72 d early
2020
61 d early
2019
57 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€22k▲ 43.8%
2023 · €16k
2018: €13k
2019: €13k
2020: €32k
2021: €13k
2022: €20k
2023: €16k
2018 → 2024
Net result
€9k
2023 · €-4k
2018: €13k
2019: €7k
2020: €48k
2021: €46k
2022: €147k
2023: €-4k
2018 → 2024
Total assets
€94k▼ 31.8%
2023 · €138k
2018: €36k
2019: €32k
2020: €75k
2021: €98k
2022: €275k
2023: €138k
2018 → 2024
Solvency
23.9%▲ 12.5pp
2023 · 11.3%
2018: 36.1%
2019: 41.5%
2020: 43.3%
2021: 13.6%
2022: 7.1%
2023: 11.3%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€32k-€13k▼ 58.5%€20k▲ 46.3%€16k▼ 20.5%€22k▲ 43.8%
Operating result€30k-€-13k€42k€2k▼ 94.1%€17k▲ 571%
Net result€48k-€46k▼ 2.9%€147k▲ 218%€-4k€9k
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 2024; 2024 is 571% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €94k
Fixed assets
€87k▼ 24.4%
Current assets
€7k▼ 68.8%
Equity and liabilities €94k
Equity
€22k▲ 43.8%
Debt
€71k▼ 41.4%
The debt ratio falls from 88.7% to 76.1%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
23.9%▲
2023 · 11.3%
ROE
39.6%▲
2023 · -25.8%
ROA
9.5%▲
2023 · -2.9%
Debt
€71k▼
2023 · €122k
Debt ≤ 1 year
€44k▼
2023 · €71k
Debt > 1 year
€27k▼
2023 · €50k
Income taxes
€6k▲
2023 · €4k
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€138k€94k▼
Fixed assets21/28€115k€87k▼
Tangible fixed assets22/27€103k€75k▼
Furniture and vehicles24€102k€74k▼
Other tangible fixed assets26€2k€1k▼
Financial fixed assets28€11k€11k=
Current assets29/58€23k€7k▼
Amounts receivable within one year40/41€2k€2k=
Trade receivables40€0€0=
Other amounts receivable41€2k€2k=
Cash at bank and in hand54/58€21k€5k▼
Deferred charges and accrued income490/1€311€168▼
Equity and liabilities
Total equity and liabilities10/49€138k€94k▼
Equity10/15€16k€22k▲
Contributions10/11€20k€20k=
Reserves13€0€3k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133-€3k
Profit (loss) carried forward14€-4k€0▲
Amounts payable17/49€122k€71k▼
Amounts payable after more than one year17€50k€27k▼
Financial debts170/4€50k€27k▼
Amounts payable within one year42/48€71k€44k▼
Current portion of amounts payable after more than one year42€23k€23k▲
Financial debts43€58€820▲
Credit institutions430/8€58€820▲
Trade debts44€2k€755▼
Suppliers440/4€2k€755▼
Taxes, remuneration and social security45€11k€4k▼
Taxes450/3€11k€4k▼
Other amounts payable47/48€36k€16k▼
Accrued charges and deferred income492/3€8€9▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€28k=
Other operating charges640/8€1k€989▼
Gross operating margin9900€32k€46k▲
Operating profit (loss)9901€2k€17k▲
Financial income75/76B€6€30▲
Recurring financial income75€6€30▲
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€-458€14k▲
Income taxes67/77€4k€6k▲
Profit (loss) for the period9904€-4k€9k▲
Profit (loss) for the period to be appropriated9905€-4k€9k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-4k€5k▲
Profit (loss) brought forward from the previous period14P-€-4k
Transfer from equity791/2€991-
Transfer to equity691/2€991€3k▲
To contributions691€991-
To other reserves6921-€3k
Profit to be distributed694/7-€2k
Return on contributions (dividend)694-€2k
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
19-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
06-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 6 days late
2023
31-12
Financial
Weakest financial yearnet €-4k ▼103%
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
31-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €147k ▲218%
Operating result €42k, net result €147k, both a record.
20-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
04-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
Financial milestoneNBB 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, Lierneux · 1 establishment unit since 2018
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.
Le Chenay 10B4990 LierneuxGround area
2,204 m²
Building footprint
196 m²
Volume, LiDAR
381 m³
2 parcels, Wallonia · tallest building 5.7 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
BE BOSS
since 20182.273.591.314
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 82011A0274/00L000 | Wallonia | 1,552 m² | 1 · 110 m² | - |
| 63343A1659/00T000 | Wallonia | 653 m² | 1 · 86 m² | 5.7 m · 1 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.
Similar companies · same sector, comparable size
ANIVO
BE 0745.871.206
Brecht · Eq €22k
Verzekeringen De Windt
BE 0452.391.667
Leuven · Eq €23k
MDC FINANCE
BE 0790.487.147
Thuin · Eq €23k
CG FIN
BE 0696.868.091
Wuustwezel · Eq €22k
WG Finance
BE 0805.238.867
Zwevegem · Eq €22k
Of 1,681 companies in sector 66191 we hold annual accounts for 1,230. 593 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-02-2018
Fiscal year end31-12
Activities, NACEBEL
66191Agents and brokers in banking services
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.