BEMAFIN 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 €3k and a net result of €88k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 10% of 2430 sector peers (fiscal year 2025). The company has been active since 2022 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.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 2430 sector peers (2025).
NBB · sector comparisonPosition among 2430 sector peers
Solvency
better than 10%
← weakest
strongest →
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 26-05-2026, 66 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
66 d early
2024
55 d early
2023
51 d early
2022
59 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€3k▼ 97.7%
2024 · €145k
2022: €14k
2023: €75k
2024: €145k
2022 → 2025
Net result
€88k▲ 23.3%
2024 · €71k
2022: €13k
2023: €62k
2024: €71k
2022 → 2025
Total assets
€171k▼ 15.3%
2024 · €202k
2022: €73k
2023: €138k
2024: €202k
2022 → 2025
Solvency
1.9%▼ 69.8pp
2024 · 71.7%
2022: 19.2%
2023: 53.9%
2024: 71.7%
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€14k-€75k▲ 436%€145k▲ 94.6%€3k▼ 97.7%
Operating result€16k-€78k▲ 377%€89k▲ 14.5%€112k▲ 25.9%
Net result€13k-€62k▲ 383%€71k▲ 16.1%€88k▲ 23.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen three years in a row; 2025 is 26% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €171k
Fixed assets
€22k▼ 35.0%
Current assets
€149k▼ 11.3%
Equity and liabilities €171k
Equity
€3k▼ 97.7%
Debt
€168k▲ 194%
The debt ratio rises from 28.3% to 98.1%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
1.9%▼
2024 · 71.7%
ROA
51.4%▲
2024 · 35.3%
Debt
€168k▲
2024 · €57k
Debt ≤ 1 year
€168k▲
2024 · €50k
Debt > 1 year
€0▼
2024 · €7k
Income taxes
€24k▲
2024 · €19k
A ratio outside any meaningful range has been withheld (balance sheet total €171k, equity €3k).
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€202k€171k▼
Fixed assets21/28€34k€22k▼
Tangible fixed assets22/27€34k€22k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€31k€20k▼
Current assets29/58€168k€149k▼
Amounts receivable within one year40/41€27k€34k▲
Trade receivables40€27k€34k▲
Current investments50/53€125k€55k▼
Cash at bank and in hand54/58€15k€60k▲
Deferred charges and accrued income490/1€939€283▼
Equity and liabilities
Total equity and liabilities10/49€202k€171k▼
Equity10/15€145k€3k▼
Contributions10/11€2k€2k=
Profit (loss) carried forward14€143k€1k▼
Amounts payable17/49€57k€168k▲
Amounts payable after more than one year17€7k€0▼
Financial debts170/4€7k€0▼
Amounts payable within one year42/48€50k€168k▲
Current portion of amounts payable after more than one year42€10k€7k▼
Financial debts43-€5k
Credit institutions430/8-€5k
Trade debts44-€394
Suppliers440/4-€394
Taxes, remuneration and social security45€26k€31k▲
Taxes450/3€26k€31k▲
Other amounts payable47/48€14k€125k▲
Accrued charges and deferred income492/3€282€85▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€12k▲
Other operating charges640/8€545€767▲
Gross operating margin9900€101k€125k▲
Operating profit (loss)9901€89k€112k▲
Financial income75/76B€2k€1k▼
Recurring financial income75€2k€1k▼
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€90k€112k▲
Income taxes67/77€19k€24k▲
Profit (loss) for the period9904€71k€88k▲
Profit (loss) for the period to be appropriated9905€71k€88k▲
Appropriation of the result
Profit (loss) to be appropriated9906€144k€231k▲
Profit (loss) brought forward from the previous period14P€73k€143k▲
Profit to be distributed694/7€833€230k▲
Return on contributions (dividend)694€833€230k▲
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
Next filing, fiscal year 2026, expected by
2026
26-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2022net €88k ▲23.3%
Operating result €112k, net result €88k, both a record.
06-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €100kEq €145k ▲94.6%
3 profitable years in a row build equity to €145k.
10-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity doublescurrent ratio 2.14
Current ratio from 0.89 to 2.14.
02-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Gent · 1 establishment unit since 2022
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.
Hof van Westbeke 29030 GentGround area
298 m²
Building footprint
102 m²
Volume, LiDAR
9 m³
Parcel 44038A0200/00R002, Flanders · tallest building 1.3 m. Linked by address, not a title deed.
1 establishment unit
BEMAFIN
since 20222.334.849.386
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44038A0200/00R002 | Flanders | 298 m² | 1 · 102 m² | 1.3 m |
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.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 690 EUR awarded · 690 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 690 EUR | 690 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 1,507 companies in sector 66199 we hold annual accounts for 917. 169 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-08-2022
Fiscal year end31-12
Activities, NACEBEL
66199Other activities auxiliary to financial services, excluding insurance and pension funding
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.