BELVEN GROUP 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 €3.20M and a net result of €1.07M. Equity is growing by ~16.1% per year across the filed fiscal years. Its solvency ranks better than 78% of 5511 sector peers (fiscal year 2025). 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
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 03-07-2026, 28 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
28 d early
2024
16 d early
2023
21 d early
2022
13 d early
2021
30 d early
2020
16 d early
2019
40 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€3.20M▲ 25.0%
2024 · €2.56M
2019: €503k
2020: €504k
2021: €2.45M
2022: €2.55M
2023: €2.70M
2024: €2.56M
2019 → 2025
Net result
€1.07M▲ 21.5%
2024 · €877k
2019: €3k
2020: €858
2021: €2.10M
2022: €1.40M
2023: €445k
2024: €877k
2019 → 2025
Total assets
€3.89M▼ 0.9%
2024 · €3.92M
2019: €3.08M
2020: €3.18M
2021: €3.28M
2022: €4.00M
2023: €3.66M
2024: €3.92M
2019 → 2025
Solvency
82.4%▲ 17.1pp
2024 · 65.3%
2019: 16.3%
2020: 15.9%
2021: 74.9%
2022: 63.8%
2023: 73.6%
2024: 65.3%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€710k-€666k▼ 6.2%€707k▲ 6.1%
Equity€2.45M-€2.55M▲ 4.0%€2.70M▲ 5.7%€2.56M▼ 4.9%€3.20M▲ 25.0%
Operating result€157k-€307k▲ 95.4%€333k▲ 8.6%€7k▼ 97.9%€34k▲ 380%
Net result€2.10M-€1.40M▼ 33.3%€445k▼ 68.2%€877k▲ 97.0%€1.07M▲ 21.5%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 380% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.89M
Fixed assets
€3.37M=
Current assets
€520k▼ 6.6%
Equity and liabilities €3.89M
Equity
€3.20M▲ 25.0%
Debt
€684k▼ 49.8%
The debt ratio falls from 34.7% to 17.6%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
82.4%▲
2024 · 65.3%
ROE
33.2%▼
2024 · 34.2%
ROA
27.4%▲
2024 · 22.3%
Debt
€684k▼
2024 · €1.36M
Debt ≤ 1 year
€546k▼
2024 · €1.14M
Debt > 1 year
€137k▼
2024 · €216k
Income taxes
€49k▲
2024 · €20k
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€3.92M€3.89M▼
Fixed assets21/28€3.37M€3.37M=
Financial fixed assets28€3.37M€3.37M=
Current assets29/58€557k€520k▼
Amounts receivable within one year40/41€465k€333k▼
Trade receivables40€34k€37k▲
Other amounts receivable41€431k€296k▼
Cash at bank and in hand54/58€92k€187k▲
Equity and liabilities
Total equity and liabilities10/49€3.92M€3.89M▼
Equity10/15€2.56M€3.20M▲
Contributions10/11€500k€500k=
Reserves13€2.06M€2.70M▲
Distributable reserves133€2.06M€2.70M▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€1.36M€684k▼
Amounts payable after more than one year17€216k€137k▼
Financial debts170/4€216k€137k▼
Amounts payable within one year42/48€1.14M€546k▼
Current portion of amounts payable after more than one year42€79k€79k=
Financial debts43-€22k
Other loans439-€22k
Trade debts44€56k€20k▼
Suppliers440/4€56k€20k▼
Other amounts payable47/48€1.01M€425k▼
Income statement
Code20242025
Other operating charges640/8€1k€150▼
Gross operating margin9900€8k€34k▲
Operating profit (loss)9901€7k€34k▲
Financial income75/76B€898k€1.09M▲
Recurring financial income75€898k€1.09M▲
Financial charges65/66B€9k€7k▼
Recurring financial charges65€9k€7k▼
Profit (loss) for the period before taxes9903€897k€1.11M▲
Income taxes67/77€20k€49k▲
Profit (loss) for the period9904€877k€1.07M▲
Profit (loss) for the period to be appropriated9905€877k€1.07M▲
Appropriation of the result
Profit (loss) to be appropriated9906€877k€1.07M▲
Transfer from equity791/2€133k€0▼
Transfer to equity691/2€0€640k▲
To other reserves6921€0€640k▲
Profit to be distributed694/7€1.01M€425k▼
Return on contributions (dividend)694€700k€0▼
Directors or managers695€310k€425k▲
The notes to these accounts (9 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
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
10-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
18-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Highest result since 2019net €2.10M ▲244564%
Net result €2.10M, the highest in the series.
31-12
Financial
Equity above €2MEq €2.45M ▲387%
3 profitable years in a row build equity to €2.45M.
15-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Weakest financial yearnet €858 ▼74%
Net result drops to €858, the lowest in the series; recovery starts the following year.
09-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 40 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, Mechelen · 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.
Blokhuisstraat 242800 MechelenGround area
1.4 ha
Parcel 12402A0148/00D005, Flanders. Linked by address, not a title deed.
1 establishment unit
BELVEN GROUP
since 20182.286.143.015
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12402A0148/00D005 | Flanders | 1.4 ha | - | - |
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
GROUP LISENS
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Knokke-Heist · Eq €3.20M
DE BACKER MANAGEMENT
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Aphilion IM
BE 0466.964.829
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DESOMER ERIC
BE 0477.000.270
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Of 24,727 companies in sector 64210 we hold annual accounts for 19,759. 9,505 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded28-12-2018
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.