BOCQFIN 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 €4.08M and a net result of €1.32M. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 7% of 2389 sector peers (fiscal year 2025). The company has been active since 2019 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 €4.08M
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 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 · 7 filingsDeviation from the deadline
2025
25 d late
2024
11 d late
2023
30 d late
2022
23 d late
2021
102 d early
2020
20 d late
2019
13 d late
← 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Equity
€4.08M▲ 47.7%
2024 · €2.76M
2019: €97k
2020: €97k
2021: €-891k
2022: €-184k
2023: €1.17M
2024: €2.76M
2019 → 2025
Net result
€1.32M▼ 17.1%
2024 · €1.59M
2019: €-3k
2020: €-784
2021: €-988k
2022: €707k
2023: €1.36M
2024: €1.59M
2019 → 2025
Total assets
€121.19M▲ 8.5%
2024 · €111.72M
2019: €100k
2020: €99k
2021: €107.42M
2022: €110.31M
2023: €110.43M
2024: €111.72M
2019 → 2025
Solvency
3.4%▲ 0.9pp
2024 · 2.5%
2019: 97.7%
2020: 97.8%
2021: -0.8%
2022: -0.2%
2023: 1.1%
2024: 2.5%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-891k-€-184k▲ 79.3%€1.17M€2.76M▲ 136%€4.08M▲ 47.7%
Operating result€-1.29M-€-213k▲ 83.5%€-205k▲ 4.0%€-296k▼ 44.7%€-836k▼ 183%
Net result€-988k-€707k€1.36M▲ 91.7%€1.59M▲ 17.1%€1.32M▼ 17.1%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €836k in 2025 against €296k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €121.19M
Fixed assets
€115.78M▲ 5.1%
Current assets
€5.41M▲ 242%
Equity and liabilities €121.19M
Equity
€4.08M▲ 47.7%
Debt
€117.11M▲ 7.5%
The debt ratio falls from 97.5% to 96.6%. Equity and debt are higher.
Key figures and ratios
Solvency
3.4%▲
2024 · 2.5%
ROE
32.3%▼
2024 · 57.5%
ROA
1.1%▼
2024 · 1.4%
Debt
€117.11M▲
2024 · €108.96M
Debt ≤ 1 year
€29.57M▲
2024 · €20.97M
Debt > 1 year
€87.54M▼
2024 · €87.99M
Staff costs
€7k
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€111.72M€121.19M▲
Fixed assets21/28€110.13M€115.78M▲
Tangible fixed assets22/27€12.58M€17.88M▲
Land and buildings22€12.55M€17.84M▲
Plant, machinery and equipment23€11k€8k▼
Furniture and vehicles24€12k€32k▲
Financial fixed assets28€97.56M€97.90M▲
Current assets29/58€1.58M€5.41M▲
Amounts receivable within one year40/41€919k€423k▼
Trade receivables40€350k€69k▼
Other amounts receivable41€569k€354k▼
Cash at bank and in hand54/58€661k€4.97M▲
Deferred charges and accrued income490/1€2k€12k▲
Equity and liabilities
Total equity and liabilities10/49€111.72M€121.19M▲
Equity10/15€2.76M€4.08M▲
Contributions10/11€100k€100k=
Capital10€100k€100k=
Issued capital100€100k€100k=
Profit (loss) carried forward14€2.66M€3.98M▲
Amounts payable17/49€108.96M€117.11M▲
Amounts payable after more than one year17€87.99M€87.54M▼
Financial debts170/4€87.99M€87.54M▼
Amounts payable within one year42/48€20.97M€29.57M▲
Current portion of amounts payable after more than one year42€542k€496k▼
Trade debts44€361k€147k▼
Suppliers440/4€361k€147k▼
Taxes, remuneration and social security45€8k€8k▲
Taxes450/3€8k€8k▲
Other amounts payable47/48€20.06M€28.92M▲
Income statement
Code20242025
Remuneration, social security and pensions62-€7k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€161k€697k▲
Other operating charges640/8€85k€67k▼
Gross operating margin9900€-51k€-65k▼
Operating profit (loss)9901€-296k€-836k▼
Financial income75/76B€1.93M€2.19M▲
Recurring financial income75€1.93M€2.19M▲
Financial charges65/66B€46k€36k▼
Recurring financial charges65€46k€36k▼
Profit (loss) for the period before taxes9903€1.59M€1.32M▼
Profit (loss) for the period9904€1.59M€1.32M▼
Profit (loss) for the period to be appropriated9905€1.59M€1.32M▼
Appropriation of the result
Profit (loss) to be appropriated9906€2.66M€3.98M▲
Profit (loss) brought forward from the previous period14P€1.07M€2.66M▲
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
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 25 days late
2025
11-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 11 days late
2024
31-12
Financial
Highest result since 2019net €1.59M ▲17.1%
Net result €1.59M, the highest in the series.
31-12
Financial
Equity above €2MEq €2.76M ▲136%
3 profitable years in a row build equity to €2.76M.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 30 days late
2023
31-12
Financial
Equity above €1MEq €1.17M
2 profitable years in a row build equity to €1.17M.
23-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 23 days late
2022
31-12
Financial
Back to profitnet €707k
Net result €707k after 3 loss-making years.
20-04
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Weakest financial yearnet €-988k
Net result drops to €-988k, the lowest in the series; recovery starts the following year.
20-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 20 days late
2020
13-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 13 days late
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, Sint-Lambrechts-Woluwe · 1 establishment unit since 2019
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.
Vergoteplein 191200 Sint-Lambrechts-WoluweGround area
256 m²
Building footprint
113 m²
Volume, LiDAR
1,545 m³
Parcel 21673D0155/00E002, Brussels · tallest building 19.4 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
BOCQFIN
since 20192.285.914.569
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21673D0155/00E002 | Brussels | 256 m² | 1 · 113 m² | 19.4 m · 5 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.
Recognitions · licences · registrations
Legal Entity Identifier
875500PK1GTUSMBKFF63
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 8,782 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-01-2019
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
68201Renting and operating of own or leased residential real estate, excluding social housing
02100Forestry and logging
02200Logging
Sources
Crossroads Bank for EnterprisesNational Bank · 7 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.