BERKOFIN is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €76k and a net result of €-5k. Equity remains stable across the filed fiscal years (±1.9% per year). Its solvency ranks better than 78% of 3321 sector peers (fiscal year 2024). The company has been active since 2020 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
Two signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 22-07-2025, 9 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
not confirmed
2024
9 d early
2023
33 d early
2022
20 d early
2021
2 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€76k▼ 6.7%
2023 · €82k
2021: €56k
2022: €102k
2023: €82k
2021 → 2024
Net result
€-5k▲ 72.3%
2023 · €-20k
2021: €48k
2022: €46k
2023: €-20k
2021 → 2024
Total assets
€97k▼ 18.1%
2023 · €118k
2021: €89k
2022: €143k
2023: €118k
2021 → 2024
Solvency
79.2%▲ 9.7pp
2023 · 69.4%
2021: 62.4%
2022: 71.0%
2023: 69.4%
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€56k-€102k▲ 82.8%€82k▼ 19.4%€76k▼ 6.7%
Operating result€61k-€57k▼ 5.3%€-24k€-9k▲ 61.9%
Net result€48k-€46k▼ 4.3%€-20k€-5k▲ 72.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €9k in 2024 against €24k in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €97k
Equity
€76k▼ 6.7%
Debt
€20k▼ 44.1%
The debt ratio falls from 30.6% to 20.8%. Equity and debt are lower.
Key figures and ratios
Solvency
79.2%▲
2023 · 69.4%
ROE
-7.1%▲
2023 · -24.1%
ROA
-5.7%▲
2023 · -16.8%
Debt
€20k▼
2023 · €36k
Debt ≤ 1 year
€20k▼
2023 · €36k
Income taxes
€923
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€118k€97k▼
Current assets29/58€118k€97k▼
Amounts receivable within one year40/41€109k€69k▼
Trade receivables40€1k€10k▲
Other amounts receivable41€108k€59k▼
Cash at bank and in hand54/58€5k€23k▲
Deferred charges and accrued income490/1€3k€4k▲
Equity and liabilities
Total equity and liabilities10/49€118k€97k▼
Equity10/15€82k€76k▼
Contributions10/11€8k€8k=
Outside capital11€8k€8k=
Other1109/19€8k€8k=
Reserves13€74k€69k▼
Distributable reserves133€74k€69k▼
Amounts payable17/49€36k€20k▼
Amounts payable within one year42/48€36k€20k▼
Trade debts44-€654
Suppliers440/4-€654
Taxes, remuneration and social security45€36k€19k▼
Taxes450/3€36k€19k▼
Income statement
Code20232024
Remuneration, social security and pensions62€5k-
Other operating charges640/8€33k€1k▼
Gross operating margin9900€14k€-8k▼
Operating profit (loss)9901€-24k€-9k▲
Financial income75/76B€5k€5k▲
Recurring financial income75€5k€5k▲
Financial charges65/66B€374€295▼
Recurring financial charges65€374€295▼
Profit (loss) for the period before taxes9903€-20k€-5k▲
Income taxes67/77-€923
Profit (loss) for the period9904€-20k€-5k▲
Profit (loss) for the period to be appropriated9905€-20k€-5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-20k€-5k▲
Transfer from equity791/2€20k€5k▼
Timeline · acts, filings and financial milestones
2025
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-20k ▼143%
Net result drops to €-20k, the lowest in the series; recovery starts the following year.
11-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €100kEq €102k ▲82.8%
2 profitable years in a row build equity to €102k.
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · 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, Genk · 1 establishment unit since 2020
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.
Mouwstraat 23600 GenkGround area
1,415 m²
Building footprint
124 m²
Volume, LiDAR
635 m³
Parcel 71305F1344/00D059, Flanders · tallest building 7.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BERKOFIN
since 20202.309.791.714
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71305F1344/00D059 | Flanders | 1,415 m² | 1 · 124 m² | 7.5 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.
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Of 1,507 companies in sector 66199 we hold annual accounts for 917. 601 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-10-2020
Fiscal year end31-12
Activities, NACEBEL
66199Other activities auxiliary to financial services, excluding insurance and pension funding
64200Holdings
64210Activities of holding companies
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.