Bob Scholte
ActiveBob Scholte 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 €2.75M and a net result of €-34k. Equity is growing by ~26.5% per year across the filed fiscal years. Its solvency ranks better than 94% of 5495 sector peers (fiscal year 2025). The company has been active since 2007 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 · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-03-2026, 136 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
136 d early
2024
45 d early
2023
34 d early
2022
47 d early
2021
19 d early
2020
23 d early
2019
35 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€2.75M▼ 1.2%
2024 · €2.79M
2018: €156k
2019: €108k
2020: €58k
2021: €1.81M
2022: €1.72M
2023: €2.81M
2024: €2.79M
2018 → 2025
Net result
€-34k▼ 73.3%
2024 · €-20k
2018: €-90k
2019: €-48k
2020: €-50k
2021: €-69k
2022: €-90k
2023: €-419k
2024: €-20k
2018 → 2025
Total assets
€2.82M▲ 0.4%
2024 · €2.80M
2018: €1.43M
2019: €1.40M
2020: €1.34M
2021: €3.16M
2022: €3.19M
2023: €3.15M
2024: €2.80M
2018 → 2025
Solvency
97.7%▼ 1.6pp
2024 · 99.4%
2018: 10.9%
2019: 7.7%
2020: 4.3%
2021: 57.4%
2022: 54.1%
2023: 89.1%
2024: 99.4%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.81M-€1.72M▼ 4.9%€2.81M▲ 62.7%€2.79M▼ 0.7%€2.75M▼ 1.2%
Operating result€-56k-€-68k▼ 22.2%€-391k▼ 473%€-42k▲ 89.3%€-47k▼ 13.0%
Net result€-69k-€-90k▼ 30.1%€-419k▼ 368%€-20k▲ 95.3%€-34k▼ 73.3%
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 stays negative: a loss of €47k in 2025 against €42k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.82M
Fixed assets
€2.19M▼ 2.6%
Current assets
€621k▲ 12.6%
Equity and liabilities €2.82M
Equity
€2.75M▼ 1.2%
Debt
€64k▲ 258%
The debt ratio rises from 0.6% to 2.3%: debt grows while equity shrinks.
Key figures and ratios
Solvency
97.7%▼
2024 · 99.4%
ROE
-1.2%▼
2024 · -0.7%
ROA
-1.2%▼
2024 · -0.7%
Debt
€64k▲
2024 · €18k
Debt ≤ 1 year
€64k▲
2024 · €18k
Income taxes
€591▲
2024 · €574
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€2.80M€2.82M▲
Fixed assets21/28€2.25M€2.19M▼
Tangible fixed assets22/27€2.25M€2.19M▼
Land and buildings22€2.25M€2.19M▼
Current assets29/58€552k€621k▲
Amounts receivable within one year40/41€267k€338k▲
Other amounts receivable41€267k€338k▲
Cash at bank and in hand54/58€280k€280k▼
Deferred charges and accrued income490/1€4k€3k▼
Equity and liabilities
Total equity and liabilities10/49€2.80M€2.82M▲
Equity10/15€2.79M€2.75M▼
Contributions10/11€3.62M€3.62M=
Profit (loss) carried forward14€-833k€-867k▼
Amounts payable17/49€18k€64k▲
Amounts payable within one year42/48€18k€64k▲
Trade debts44€2k€13k▲
Suppliers440/4€2k€13k▲
Taxes, remuneration and social security45€805€591▼
Taxes450/3€805€591▼
Other amounts payable47/48€15k€50k▲
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€58k€58k=
Other operating charges640/8€16k€17k▲
Gross operating margin9900€32k€27k▼
Operating profit (loss)9901€-42k€-47k▼
Financial income75/76B€24k€15k▼
Recurring financial income75€24k€15k▼
Financial charges65/66B€829€2k▲
Recurring financial charges65€829€2k▲
Profit (loss) for the period before taxes9903€-19k€-33k▼
Income taxes67/77€574€591▲
Profit (loss) for the period9904€-20k€-34k▼
Profit (loss) for the period to be appropriated9905€-20k€-34k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-833k€-867k▼
Profit (loss) brought forward from the previous period14P€-813k€-833k▼
Transfer from equity791/2€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
17-03
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
16-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Liquidity times 13current ratio 31.04
Current ratio from 2.45 to 31.04; short-term debt falls from €344k to €18k.
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €-419k
Net result drops to €-419k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 16current ratio 2.45
Current ratio from 0.15 to 2.45; short-term debt falls from €1.46M to €344k.
31-12
Financial
Equity above €2MEq €2.81M ▲62.7%
Equity rises from €1.72M to €2.81M.
14-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
12-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Equity above €1MEq €1.81M ▲3053%
Equity rises from €58k to €1.81M.
08-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
26-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
25-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
11-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Schoten
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.
Churchilllaan 30/12900 SchotenGround area
417 m²
Building footprint
129 m²
Volume, LiDAR
808 m³
Parcel 11442C0288/00K003, Flanders · tallest building 11.7 m, ±3 floors. Linked by address, not a title deed.
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11442C0288/00K003 | Flanders | 417 m² | 1 · 129 m² | 11.7 m · 3 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 24,637 companies in sector 64210 we hold annual accounts for 19,690. 9,917 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-07-2007
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
74151
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
70200Business and other management consultancy
70220Business consulting
74142
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.