BEL Personeel 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 €10k and a net result of €2k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 72% of 5498 sector peers (fiscal year 2025). The company has been active since 2008 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
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €10k
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 24-07-2026, 7 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
7 d early
2024
44 d early
2023
21 d late
2022
32 d late
2021
31 d late
2020
22 d early
2019
123 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€10k▲ 22.2%
2024 · €8k
2018: €-19k
2019: €-25k
2020: €-15k
2021: €5k
2022: €6k
2023: €6k
2024: €8k
2018 → 2025
Net result
€2k▲ 3.0%
2024 · €2k
2018: €-5k
2019: €-6k
2020: €9k
2021: €20k
2022: €2k
2023: €49
2024: €2k
2018 → 2025
Total assets
€13k▲ 48.6%
2024 · €9k
2018: €2k
2019: €1k
2020: €14k
2021: €5k
2022: €7k
2023: €7k
2024: €9k
2018 → 2025
Solvency
76.0%▼ 16.4pp
2024 · 92.3%
2018: -961.8%
2019: -1726.1%
2020: -105.7%
2021: 100.0%
2022: 86.0%
2023: 87.8%
2024: 92.3%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€5k-€6k▲ 31.0%€6k▲ 0.8%€8k▲ 27.5%€10k▲ 22.2%
Operating result€20k-€2k▼ 89.2%€584▼ 73.3%€2k▲ 262%€3k▲ 50.0%
Net result€20k-€2k▼ 92.5%€49▼ 96.8%€2k▲ 3,524%€2k▲ 3.0%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 50% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €13k
Equity
€10k▲ 22.2%
Debt
€3k▲ 366%
The debt ratio rises from 7.7% to 24.0%. Equity and debt are higher.
Key figures and ratios
Solvency
76.0%▼
2024 · 92.3%
ROE
18.2%▼
2024 · 21.6%
ROA
13.8%▼
2024 · 19.9%
Debt
€3k▲
2024 · €678
Debt ≤ 1 year
€3k▲
2024 · €678
Income taxes
€661▲
2024 · €660
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€9k€13k▲
Current assets29/58€9k€13k▲
Amounts receivable within one year40/41€192€3k▲
Trade receivables40-€3k
Other amounts receivable41€192€0▼
Cash at bank and in hand54/58€9k€11k▲
Equity and liabilities
Total equity and liabilities10/49€9k€13k▲
Equity10/15€8k€10k▲
Contributions10/11€6k€6k=
Profit (loss) carried forward14€2k€4k▲
Amounts payable17/49€678€3k▲
Amounts payable within one year42/48€678€3k▲
Trade debts44€0-
Suppliers440/4€0-
Advances received on contracts in progress46-€3k
Taxes, remuneration and social security45€678€661▼
Taxes450/3€678€661▼
Income statement
Code20242025
Other operating charges640/8€435€1k▲
Gross operating margin9900€3k€4k▲
Operating profit (loss)9901€2k€3k▲
Financial income75/76B€361€0▼
Recurring financial income75€361€0▼
Financial charges65/66B€57€700▲
Recurring financial charges65€57€700▲
Profit (loss) for the period before taxes9903€2k€2k▲
Income taxes67/77€660€661▲
Profit (loss) for the period9904€2k€2k▲
Profit (loss) for the period to be appropriated9905€2k€2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€2k€4k▲
Profit (loss) brought forward from the previous period14P€206€2k▲
The notes to these accounts (1 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
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
17-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
21-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 21 days late
2023
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 32 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
31-12
Financial
Highest result since 2018net €20k ▲112%
Operating result €20k, net result €20k, both a record.
09-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Back to profitnet €9k
Net result €9k after 2 loss-making years.
01-12
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 123 days late
2019
31-12
Financial
Weakest financial yearnet €-6k
Net result drops to €-6k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 27 days late
2017
28-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2023
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.
16-05-2023
ELST Johannes Cornelia Maria: Resigned as Director
31-03-2023
VAN HASSEL Jeroen Jan Joseph: Resigned as Director
26-09-2018
WITHAGEN Cornelius Marinus Josephus Maria: Resigned as Manager
Location & real-estate footprint
Registered office, Essen · 1 establishment unit since 2008
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.
Stationsstraat 802910 EssenGround area
84 m²
Building footprint
79 m²
Volume, LiDAR
462 m³
Parcel 11016A0063/00W000, Flanders · tallest building 10.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BEL Personeel
since 20082.168.426.288
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11016A0063/00W000 | Flanders | 84 m² | 1 · 79 m² | 10.8 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
MFXJM
BE 1012.338.223
Rochefort · Eq €10k
NPMC
BE 0508.752.429
Nazareth-De Pinte · Eq €10k
Achille Management
BE 1013.516.673
Wuustwezel · Eq €10k
DEBANDE CONSULT
BE 0728.762.978
Wavre · Eq €10k
KL FUTURING
BE 0728.988.949
Genk · Eq €10k
Of 24,726 companies in sector 64210 we hold annual accounts for 19,747. 5,083 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-01-2008
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.