Belgianbrain 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 €109k and a net result of €30k. Equity is growing by ~5% per year across the filed fiscal years. Its solvency ranks better than 74% of 2429 sector peers (fiscal year 2025). The company has been active since 2012 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 12-05-2026, 80 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
80 d early
2024
14 d early
2023
77 d early
2022
31 d early
2021
30 d early
2020
58 d early
2019
14 d early
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€109k▼ 18.9%
2024 · €134k
2018: €90k
2019: €94k
2020: €103k
2021: €137k
2022: €159k
2023: €67k
2024: €134k
2018 → 2025
Net result
€30k▼ 62.3%
2024 · €79k
2018: €28k
2019: €15k
2020: €9k
2021: €46k
2022: €44k
2023: €73k
2024: €79k
2018 → 2025
Total assets
€144k▼ 24.4%
2024 · €190k
2018: €141k
2019: €129k
2020: €121k
2021: €166k
2022: €203k
2023: €287k
2024: €190k
2018 → 2025
Solvency
75.6%▲ 5.1pp
2024 · 70.5%
2018: 64.0%
2019: 72.7%
2020: 85.1%
2021: 82.6%
2022: 78.2%
2023: 23.3%
2024: 70.5%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€137k-€159k▲ 15.7%€67k▼ 57.9%€134k▲ 100%€109k▼ 18.9%
Operating result€64k-€62k▼ 4.0%€93k▲ 50.3%€111k▲ 19.5%€42k▼ 62.1%
Net result€46k-€44k▼ 3.2%€73k▲ 64.0%€79k▲ 8.6%€30k▼ 62.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 62% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €144k
Fixed assets
€29k▼ 32.2%
Current assets
€115k▼ 22.2%
Equity and liabilities €144k
Equity
€109k▼ 18.9%
Debt
€35k▼ 37.6%
The debt ratio falls from 29.5% to 24.4%. Equity and debt are lower.
Key figures and ratios
Solvency
75.6%▲
2024 · 70.5%
ROE
27.4%▼
2024 · 58.9%
ROA
20.7%▼
2024 · 41.5%
Debt
€35k▼
2024 · €56k
Debt ≤ 1 year
€34k▼
2024 · €42k
Debt > 1 year
€1k▼
2024 · €14k
Income taxes
€11k▼
2024 · €31k
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€190k€144k▼
Fixed assets21/28€43k€29k▼
Tangible fixed assets22/27€43k€29k▼
Furniture and vehicles24€43k€29k▼
Current assets29/58€148k€115k▼
Amounts receivable after more than one year29€31k€0▼
Other amounts receivable291€31k€0▼
Amounts receivable within one year40/41€23k€31k▲
Trade receivables40€17k€18k▲
Other amounts receivable41€6k€14k▲
Cash at bank and in hand54/58€93k€83k▼
Deferred charges and accrued income490/1€249€266▲
Equity and liabilities
Total equity and liabilities10/49€190k€144k▼
Equity10/15€134k€109k▼
Reserves13€134k€109k▼
Distributable reserves133€134k€109k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€56k€35k▼
Amounts payable after more than one year17€14k€1k▼
Financial debts170/4€14k€1k▼
Amounts payable within one year42/48€42k€34k▼
Current portion of amounts payable after more than one year42€13k€13k▲
Trade debts44€774€717▼
Suppliers440/4€774€717▼
Taxes, remuneration and social security45€17k€13k▼
Taxes450/3€17k€13k▼
Other amounts payable47/48€12k€8k▼
Income statement
Code20242025
Non-recurring operating income76A€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€14k=
Other operating charges640/8€974€890▼
Gross operating margin9900€126k€57k▼
Operating profit (loss)9901€111k€42k▼
Financial charges65/66B€1k€747▼
Recurring financial charges65€1k€747▼
Profit (loss) for the period before taxes9903€110k€41k▼
Income taxes67/77€31k€11k▼
Profit (loss) for the period9904€79k€30k▼
Profit (loss) for the period to be appropriated9905€79k€30k▼
Appropriation of the result
Profit (loss) to be appropriated9906€79k€30k▼
Transfer from equity791/2€12k€55k▲
Transfer to equity691/2€79k€30k▼
To other reserves6921€79k€30k▼
Profit to be distributed694/7€12k€55k▲
Return on contributions (dividend)694€12k€55k▲
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
12-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €79k ▲8.6%
Operating result €111k, net result €79k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 3.51
Current ratio from 1.19 to 3.51; short-term debt falls from €193k to €42k.
31-12
Financial
Equity above €100kEq €134k ▲100%
7 profitable years in a row build equity to €134k.
15-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €150kEq €159k ▲15.7%
5 profitable years in a row build equity to €159k.
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
03-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €9k ▼39.1%
Net result drops to €9k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €100kEq €103k ▲10%
3 profitable years in a row build equity to €103k.
17-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
17-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
22-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-05
NBB filing
Annual accounts filed
fiscal year 2016 · micro 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, Beringen · 1 establishment unit since 2012
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.
Vurtense Schansstraat 43582 BeringenGround area
960 m²
Building footprint
228 m²
Volume, LiDAR
930 m³
Parcel 71522C0905/00B000, Flanders · tallest building 6.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Belgianbrain
since 20122.215.258.977
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71522C0905/00B000 | Flanders | 960 m² | 1 · 228 m² | 6.6 m · 1 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
SYNAXONE
BE 1003.909.814
Welkenraedt · Eq €109k
AM CONSULTING
BE 1008.832.266
Sint-Niklaas · Eq €109k
VLV Finance
BE 0682.493.087
Antwerpen · Eq €110k
B.A.L. CONSEILS
BE 0460.468.304
Visé · Eq €110k
ATLAS FINANCE
BE 0779.607.410
Halle · Eq €111k
Of 1,507 companies in sector 66199 we hold annual accounts for 917. 627 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-11-2012
Fiscal year end31-12
Activities, NACEBEL
66199Other activities auxiliary to financial services, excluding insurance and pension funding
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.