Black Bull 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 €21.61M and a net result of €-360k. Its solvency ranks better than 76% of 5498 sector peers (fiscal year 2025). The company has been active since 2024 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.
+raises risk○neutral
raises risk · Young company
Founded in 2024, under 3 years, statistically higher risk.
KBO · incorporation dateAge against the risk zone
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 05-07-2026, 26 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
26 d early
← before the deadline
after the deadline →
Financials · fiscal year 2025, abbreviated schema
Equity
€21.61M
Net result
€-360k
Total assets
€26.86M
Solvency
80.5%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Balance-sheet composition
Assets €26.86M
Fixed assets
€25.43M
Current assets
€1.43M
Equity and liabilities €26.86M
Equity
€21.61M
Debt
€5.25M
Debt finances 19.5% of the balance-sheet total.
Key figures and ratios
Solvency
80.5%
ROE
-1.7%
ROA
-1.3%
Debt
€5.25M
Debt ≤ 1 year
€5.24M
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€26.86M
Fixed assets21/28€25.43M
Financial fixed assets28€25.43M
Current assets29/58€1.43M
Amounts receivable within one year40/41€536k
Other amounts receivable41€536k
Cash at bank and in hand54/58€896k
Equity and liabilities
Total equity and liabilities10/49€26.86M
Equity10/15€21.61M
Contributions10/11€21.98M
Profit (loss) carried forward14€-360k
Amounts payable17/49€5.25M
Amounts payable within one year42/48€5.24M
Trade debts44€35k
Suppliers440/4€35k
Other amounts payable47/48€5.21M
Accrued charges and deferred income492/3€6k
Income statement
Code2025
Goods, raw materials, services and sundry goods60/61€394k
Other operating charges640/8€128
Gross operating margin9900€-394k
Operating profit (loss)9901€-394k
Financial income75/76B€58k
Recurring financial income75€58k
Financial charges65/66B€24k
Recurring financial charges65€24k
Profit (loss) for the period before taxes9903€-360k
Profit (loss) for the period9904€-360k
Profit (loss) for the period to be appropriated9905€-360k
Appropriation of the result
Profit (loss) to be appropriated9906€-360k
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
2026
05-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
NBB filing
Directors · office · real estate
Directors
no sitting director, no change since 2024
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
09-09-2024
Resigned as Director
Location & real-estate footprint
Registered office, Damme · 1 establishment unit since 2024
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.
Vissersstraat 218340 DammeGround area
946 m²
Building footprint
164 m²
Volume, LiDAR
797 m³
Parcel 31019A0447/02C002, Flanders · tallest building 8.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Black Bull
since 20242.360.433.335
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31019A0447/02C002 | Flanders | 946 m² | 1 · 163 m² | 8.1 m · 1 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 24,726 companies in sector 64210 we hold annual accounts for 19,747. 4,131 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-06-2024
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.