BESST
ActiveBESST 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 €124k and a net result of €29k. Equity is growing by ~6.6% per year across the filed fiscal years. Its solvency ranks better than 51% of 1457 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 04-08-2026, 4 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 5 filingsDeviation from the deadline
2025
4 d late
2024
26 d late
2023
22 d early
2022
17 d late
2021
32 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€124k▲ 30.0%
2024 · €95k
2021: €86k
2022: €140k
2023: €50k
2024: €95k
2021 → 2025
Net result
€29k▼ 36.9%
2024 · €45k
2021: €76k
2022: €54k
2023: €40k
2024: €45k
2021 → 2025
Total assets
€315k▼ 47.0%
2024 · €595k
2021: €383k
2022: €495k
2023: €697k
2024: €595k
2021 → 2025
Solvency
39.2%▲ 23.2pp
2024 · 16.0%
2021: 22.4%
2022: 28.3%
2023: 7.2%
2024: 16.0%
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€86k-€140k▲ 63.5%€50k▼ 64.3%€95k▲ 90.4%€124k▲ 30.0%
Operating result€126k-€96k▼ 23.5%€76k▼ 20.7%€86k▲ 12.8%€62k▼ 28.4%
Net result€76k-€54k▼ 28.2%€40k▼ 26.9%€45k▲ 13.6%€29k▼ 36.9%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 28% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €315k
Fixed assets
€3k▼ 61.2%
Current assets
€313k▼ 46.8%
Equity and liabilities €315k
Equity
€124k▲ 30.0%
Debt
€192k▼ 61.6%
The debt ratio falls from 84.0% to 60.8%: equity grows while debt is paid down.
Key figures and ratios
Solvency
39.2%▲
2024 · 16.0%
ROE
23.1%▼
2024 · 47.5%
ROA
9.0%▲
2024 · 7.6%
Debt
€192k▼
2024 · €500k
Debt ≤ 1 year
€192k▼
2024 · €500k
Income taxes
€20k▼
2024 · €33k
Staff costs
€775k▲
2024 · €669k
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€595k€315k▼
Fixed assets21/28€8k€3k▼
Tangible fixed assets22/27€8k€3k▼
Furniture and vehicles24€8k€3k▼
Other tangible fixed assets26€0-
Current assets29/58€587k€313k▼
Amounts receivable within one year40/41€128k€10k▼
Trade receivables40€98k€24▼
Other amounts receivable41€30k€10k▼
Cash at bank and in hand54/58€142k€47k▼
Deferred charges and accrued income490/1€318k€255k▼
Equity and liabilities
Total equity and liabilities10/49€595k€315k▼
Equity10/15€95k€124k▲
Contributions10/11€10k€10k=
Reserves13€85k€113k▲
Distributable reserves133€85k€113k▲
Profit (loss) carried forward14€203€737▲
Amounts payable17/49€500k€192k▼
Amounts payable within one year42/48€500k€192k▼
Financial debts43€89k€65k▼
Credit institutions430/8€89k€65k▼
Trade debts44€284k€45k▼
Suppliers440/4€284k€45k▼
Taxes, remuneration and social security45€127k€82k▼
Taxes450/3€21k€2k▼
Remuneration and social security454/9€105k€80k▼
Income statement
Code20242025
Remuneration, social security and pensions62€669k€775k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€8k▲
Other operating charges640/8€1k€938▼
Gross operating margin9900€764k€846k▲
Operating profit (loss)9901€86k€62k▼
Financial income75/76B€260€1k▲
Recurring financial income75€260€1k▲
Financial charges65/66B€8k€14k▲
Recurring financial charges65€8k€14k▲
Profit (loss) for the period before taxes9903€78k€49k▼
Income taxes67/77€33k€20k▼
Profit (loss) for the period9904€45k€29k▼
Profit (loss) for the period to be appropriated9905€45k€29k▼
Appropriation of the result
Profit (loss) to be appropriated9906€45k€29k▼
Profit (loss) brought forward from the previous period14P€0€203▲
Transfer from equity791/2€0-
Transfer to equity691/2€45k€28k▼
To other reserves6921€45k€28k▼
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
Social balance
Average headcount (FTE)908710.110.2▲
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
04-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 4 days late
2025
31-12
Financial
Weakest financial yearnet €29k ▼36.9%
Net result drops to €29k, the lowest in the series.
31-12
Financial
Equity above €100kEq €124k ▲30%
5 profitable years in a row build equity to €124k.
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 26 days late
2024
09-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
17-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 17 days late
2022
31-12
Financial
Equity above €100kEq €140k ▲63.5%
2 profitable years in a row build equity to €140k.
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Deinze · 2 establishment units 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.
Pypaertstraat 69800 DeinzeGround area
2,048 m²
Building footprint
596 m²
Volume, LiDAR
4,433 m³
2 parcels, Flanders · tallest building 16.0 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
BESST
since 20202.301.346.180
BNP Deinze
since 20202.306.139.762
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44069B0770/00G000 | Flanders | 1,296 m² | 1 · 186 m² | 6.2 m · 2 fl. |
| 44011B0650/00G000 | Flanders | 752 m² | 1 · 410 m² | 16.0 m · 3 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 5 entries · 4,396 EUR awarded · 4,396 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 367 EUR | 367 EUR |
| 2024 | 1 | 567 EUR | 627 EUR |
| 2023 | 1 | 434 EUR | 434 EUR |
| 2022 | 2 | 3,028 EUR | 2,968 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Vlaams opleidingsverlof (VOV)
Similar companies · same sector, comparable size
Conseils Financiers Massaux & Sandron
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GROUP ASSURLIM FINANCE
BE 0874.806.772
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SARTEO FINANCES
BE 0881.250.542
Sint-Agatha-Berchem · Eq €123k
FORT FINANCE
BE 1023.927.347
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MARAN
BE 0755.871.312
Balen · Eq €125k
Of 1,681 companies in sector 66191 we hold annual accounts for 1,230. 1,083 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-04-2020
Fiscal year end31-12
Activities, NACEBEL
66191Agents and brokers in banking services
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.