BEMO HOLDING 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 €4.26M and a net result of €-146k. Equity is growing by ~6.8% per year across the filed fiscal years. Its solvency ranks better than 94% of 2381 sector peers (fiscal year 2025). The company has been active since 1973 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 20-07-2026, 11 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
11 d early
2024
28 d early
2023
328 d late
2022
234 d late
2021
151 d late
2020
68 d late
2019
31 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Equity
€4.26M▼ 3.3%
2024 · €4.41M
2018: €8.20M
2019: €2.82M
2020: €2.55M
2021: €2.18M
2022: €2.72M
2023: €3.62M
2024: €4.41M
2018 → 2025
Net result
€-146k
2024 · €786k
2018: €-32k
2019: €-5.38M
2020: €-270k
2021: €-366k
2022: €537k
2023: €903k
2024: €786k
2018 → 2025
Total assets
€4.30M▼ 3.5%
2024 · €4.45M
2018: €9.05M
2019: €7.06M
2020: €6.56M
2021: €2.20M
2022: €2.74M
2023: €3.65M
2024: €4.45M
2018 → 2025
Solvency
99.2%▲ 0.2pp
2024 · 99.0%
2018: 90.6%
2019: 39.9%
2020: 38.9%
2021: 99.1%
2022: 99.5%
2023: 99.3%
2024: 99.0%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2.18M-€2.72M▲ 24.6%€3.62M▲ 33.2%€4.41M▲ 21.7%€4.26M▼ 3.3%
Operating result€-29k-€-14k▲ 53.0%€-17k▼ 22.7%€-113k▼ 571%€-23k▲ 79.3%
Net result€-366k-€537k€903k▲ 68.0%€786k▼ 13.0%€-146k
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €23k in 2025 against €113k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.30M
Fixed assets
€3.18M▼ 3.6%
Current assets
€1.12M▼ 3.1%
Equity and liabilities €4.30M
Equity
€4.26M▼ 3.3%
Debt
€35k▼ 22.5%
The debt ratio falls from 1.0% to 0.8%. Equity and debt are lower.
Key figures and ratios
Solvency
99.2%▲
2024 · 99.0%
ROE
-3.4%▼
2024 · 17.8%
ROA
-3.4%▼
2024 · 17.6%
Debt
€35k▼
2024 · €46k
Debt ≤ 1 year
€35k▼
2024 · €46k
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€4.45M€4.30M▼
Fixed assets21/28€3.30M€3.18M▼
Financial fixed assets28€3.30M€3.18M▼
Current assets29/58€1.15M€1.12M▼
Amounts receivable within one year40/41€800k€800k=
Other amounts receivable41€800k€800k=
Cash at bank and in hand54/58€353k€318k▼
Equity and liabilities
Total equity and liabilities10/49€4.45M€4.30M▼
Equity10/15€4.41M€4.26M▼
Contributions10/11€14.88M€14.88M=
Capital10€14.88M€14.88M=
Issued capital100€14.88M€14.88M=
Reserves13€735k€735k=
Non-distributable reserves130/1€735k€735k=
Legal reserve130€687k€687k=
Reserves not available under the articles1311€48k€48k=
Profit (loss) carried forward14€-11.20M€-11.35M▼
Amounts payable17/49€46k€35k▼
Amounts payable within one year42/48€46k€35k▼
Financial debts43€0-
Credit institutions430/8€0-
Trade debts44€46k€35k▼
Suppliers440/4€46k€35k▼
Income statement
Code20242025
Other operating charges640/8€968€2k▲
Gross operating margin9900€-112k€-21k▲
Operating profit (loss)9901€-113k€-23k▲
Financial income75/76B€1.78M€0▼
Recurring financial income75€0€0=
Non-recurring financial income76B€1.78M€0▼
Financial charges65/66B€883k€122k▼
Recurring financial charges65€3k€2k▼
Non-recurring financial charges66B€880k€120k▼
Profit (loss) for the period before taxes9903€786k€-146k▼
Profit (loss) for the period9904€786k€-146k▼
Profit (loss) for the period to be appropriated9905€786k€-146k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-11.20M€-11.35M▼
Profit (loss) brought forward from the previous period14P€-11.99M€-11.20M▲
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (5 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
20-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
24-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 328 days late
2024
21-03
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 234 days late
2023
31-12
Financial
Highest result since 2018net €903k ▲68%
Net result €903k, the highest in the series.
2022
31-12
Financial
Back to profitnet €537k
Net result €537k after 4 loss-making years.
29-12
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 151 days late
2021
31-12
Financial
Liquidity times 7current ratio 1.43
Current ratio from 0.21 to 1.43; short-term debt falls from €4.01M to €20k.
07-10
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 68 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 31 days late
2019
31-12
Financial
Weakest financial yearnet €-5.38M
Net result drops to €-5.38M, the lowest in the series; recovery starts the following year.
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 27 days late
2018
04-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 28 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
9 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, Elsene · 1 establishment unit since 1973
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.
Louizalaan 1201050 ElseneGround area
2,584 m²
Building footprint
2,088 m²
Volume, LiDAR
50,062 m³
2 parcels, Brussels · tallest building 33.9 m, ±9 floors. Linked by address, not a title deed.
1 establishment unit
Establishment
since 19732.037.282.783
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21807G0001/00L000 | Brussels | 1,625 m² | 1 · 1,286 m² | 33.9 m · 9 fl. |
| 21807G0049/00C000 | Brussels | 959 m² | 1 · 802 m² | 33.2 m · 9 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.
Recognitions · licences · registrations
Legal Entity Identifier
5493002O45RIGIQRD104
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,754. 8,630 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded14-05-1973
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
65231
Sources
Crossroads Bank for EnterprisesNational Bank · 55 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.