BNF 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 €702k and a net result of €89k. Equity remains stable across the filed fiscal years (±1% per year). Its solvency ranks better than 27% of 7980 sector peers (fiscal year 2025). The company has been active since 2010 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.
−lowers risk○neutral
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €702k
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 15-09-2025, 46 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
46 d early
2024
49 d early
2023
41 d early
2022
53 d early
2021
3 d early
2020
43 d early
2019
49 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close16-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€702k▲ 14.6%
2024 · €612k
2019: €728k
2020: €828k
2021: €624k
2022: €618k
2023: €621k
2024: €612k
2019 → 2025
Net result
€89k▲ 12.7%
2024 · €79k
2019: €88k
2020: €100k
2021: €102k
2022: €74k
2023: €89k
2024: €79k
2019 → 2025
Total assets
€3.01M▲ 16.5%
2024 · €2.58M
2019: €2.30M
2020: €2.36M
2021: €2.38M
2022: €2.16M
2023: €2.51M
2024: €2.58M
2019 → 2025
Solvency
23.3%▼ 0.4pp
2024 · 23.7%
2019: 31.6%
2020: 35.1%
2021: 26.3%
2022: 28.6%
2023: 24.8%
2024: 23.7%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€624k-€618k▼ 1.0%€621k▲ 0.5%€612k▼ 1.3%€702k▲ 14.6%
Operating result€145k-€106k▼ 27.1%€126k▲ 18.9%€111k▼ 11.8%€123k▲ 11.4%
Net result€102k-€74k▼ 27.4%€89k▲ 20.6%€79k▼ 11.0%€89k▲ 12.7%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 11% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.01M
Fixed assets
€2.86M▲ 13.4%
Current assets
€152k▲ 146%
Equity and liabilities €3.01M
Equity
€702k▲ 14.6%
Debt
€2.31M▲ 17.1%
The debt ratio rises from 76.3% to 76.7%. Equity and debt are higher.
Key figures and ratios
Solvency
23.3%▼
2024 · 23.7%
ROE
12.7%▼
2024 · 13.0%
ROA
3.0%▼
2024 · 3.1%
Debt
€2.31M▲
2024 · €1.97M
Debt ≤ 1 year
€2.31M▲
2024 · €1.97M
Income taxes
€34k▲
2024 · €30k
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€2.58M€3.01M▲
Fixed assets21/28€2.52M€2.86M▲
Tangible fixed assets22/27€2.52M€2.86M▲
Land and buildings22€132k€132k=
Plant, machinery and equipment23-€49k
Furniture and vehicles24€874€3k▲
Other tangible fixed assets26€2.39M€2.67M▲
Current assets29/58€62k€152k▲
Stocks and contracts in progress3-€12k
Stocks30/36-€12k
Amounts receivable within one year40/41€50k€113k▲
Trade receivables40-€63k
Other amounts receivable41€50k€49k▼
Cash at bank and in hand54/58€12k€28k▲
Equity and liabilities
Total equity and liabilities10/49€2.58M€3.01M▲
Equity10/15€612k€702k▲
Contributions10/11€6k€6k=
Reserves13€606k€696k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€606k€696k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€1.97M€2.31M▲
Amounts payable within one year42/48€1.97M€2.31M▲
Current portion of amounts payable after more than one year42€0-
Financial debts43€13k€12k▼
Credit institutions430/8-€0
Other loans439€13k€12k▼
Trade debts44€0-
Suppliers440/4€0-
Taxes, remuneration and social security45€5k€0▼
Taxes450/3€5k€0▼
Other amounts payable47/48€1.95M€2.30M▲
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€196€4k▲
Other operating charges640/8€1k€1k▲
Gross operating margin9900€112k€129k▲
Operating profit (loss)9901€111k€123k▲
Financial income75/76B€0€0▼
Recurring financial income75€0€0▼
Financial charges65/66B€964€298▼
Recurring financial charges65€964€298▼
Profit (loss) for the period before taxes9903€110k€123k▲
Income taxes67/77€30k€34k▲
Profit (loss) for the period9904€79k€89k▲
Profit (loss) for the period to be appropriated9905€79k€89k▲
Appropriation of the result
Profit (loss) to be appropriated9906€79k€89k▲
Transfer from equity791/2€88k€0▼
Transfer to equity691/2€79k€89k▲
To other reserves6921€79k€89k▲
Profit to be distributed694/7€88k€0▼
Return on contributions (dividend)694€88k€0▼
The notes to these accounts (15 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
2025
15-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
12-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
20-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
08-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
31-03
Financial
Weakest financial yearnet €74k ▼27.4%
Net result drops to €74k, the lowest in the series; recovery starts the following year.
2021
28-10
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
31-03
Financial
Highest result since 2019net €102k ▲1.8%
Net result €102k, the highest in the series.
2020
18-09
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2019
12-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
13-09
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
29-11
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 29 days late
2016
28-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Wellen · 1 establishment unit since 2010
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.
Notelarestraat 313830 WellenGround area
3,124 m²
Building footprint
390 m²
Volume, LiDAR
2,273 m³
Parcel 73098B0525/00V002, Flanders · tallest building 13.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BNF
since 20102.194.398.930
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73098B0525/00V002 | Flanders | 3,124 m² | 1 · 389 m² | 13.3 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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ALTAGENE
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Of 24,726 companies in sector 64210 we hold annual accounts for 19,748. 13,318 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-12-2010
Fiscal year end31-03
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
77110Renting and leasing of cars and light motor vehicles
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.