BOTSMAN HOLDING 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 €821k and a net result of €152k. Equity is growing by ~3.9% per year across the filed fiscal years. Its solvency ranks better than 62% of 2381 sector peers (fiscal year 2025). The company has been active since 1993 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.
○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 11-09-2026, 42 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 · 10 filingsDeviation from the deadline
2025
42 d late
2024
29 d late
2023
27 d late
2022
30 d late
2021
31 d late
2020
31 d late
2019
67 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Equity
€821k▲ 22.7%
2024 · €669k
2018: €346k
2019: €637k
2020: €684k
2021: €690k
2022: €689k
2023: €687k
2024: €669k
2018 → 2025
Net result
€152k
2024 · €-17k
2018: €7k
2019: €35k
2020: €51k
2021: €7k
2022: €-2k
2023: €-2k
2024: €-17k
2018 → 2025
Total assets
€1.11M▼ 18.8%
2024 · €1.36M
2018: €475k
2019: €1.28M
2020: €1.28M
2021: €1.23M
2022: €1.22M
2023: €1.33M
2024: €1.36M
2018 → 2025
Solvency
74.1%▲ 25.0pp
2024 · 49.1%
2018: 72.9%
2019: 49.8%
2020: 53.4%
2021: 56.0%
2022: 56.4%
2023: 51.6%
2024: 49.1%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€690k-€689k▼ 0.2%€687k▼ 0.3%€669k▼ 2.5%€821k▲ 22.7%
Operating result€12k-€-1k€1k€-19k€215k
Net result€7k-€-2k€-2k▼ 39.9%€-17k▼ 712%€152k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €215k after a loss of €19k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.11M
Fixed assets
€618k▼ 32.7%
Current assets
€489k▲ 10.1%
Equity and liabilities €1.11M
Equity
€821k▲ 22.7%
Debt
€286k▼ 58.8%
The debt ratio falls from 50.9% to 25.9%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
74.1%▲
2024 · 49.1%
ROE
18.5%▲
2024 · -2.6%
ROA
13.7%▲
2024 · -1.3%
Debt
€286k▼
2024 · €694k
Debt ≤ 1 year
€285k▼
2024 · €619k
Debt > 1 year
€868▼
2024 · €71k
Income taxes
€58k
Staff costs
€7k▲
2024 · €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€1.36M€1.11M▼
Fixed assets21/28€919k€618k▼
Tangible fixed assets22/27€854k€553k▼
Land and buildings22€854k€553k▼
Plant, machinery and equipment23€0-
Financial fixed assets28€66k€66k=
Current assets29/58€444k€489k▲
Amounts receivable after more than one year29€72k€127k▲
Other amounts receivable291€72k€127k▲
Amounts receivable within one year40/41€366k€362k▼
Other amounts receivable41€366k€362k▼
Cash at bank and in hand54/58€77€84▲
Deferred charges and accrued income490/1€6k€0▼
Equity and liabilities
Total equity and liabilities10/49€1.36M€1.11M▼
Equity10/15€669k€821k▲
Contributions10/11€81k€81k=
Capital10€81k€81k=
Issued capital100€81k€81k=
Revaluation surpluses12€466k€466k=
Reserves13€123k€274k▲
Non-distributable reserves130/1€5k€8k▲
Legal reserve130€5k€8k▲
Distributable reserves133€117k€266k▲
Amounts payable17/49€694k€286k▼
Amounts payable after more than one year17€71k€868▼
Financial debts170/4€68k€0▼
Other amounts payable178/9€3k€868▼
Amounts payable within one year42/48€619k€285k▼
Current portion of amounts payable after more than one year42€0-
Financial debts43€10k€0▼
Credit institutions430/8€10k€0▼
Trade debts44€15k€5k▼
Suppliers440/4€15k€5k▼
Taxes, remuneration and social security45€834€3k▲
Taxes450/3-€3k
Remuneration and social security454/9€834€388▼
Other amounts payable47/48€593k€278k▼
Accrued charges and deferred income492/3€4k€0▼
Income statement
Code20242025
Non-recurring operating income76A-€241k
Remuneration, social security and pensions62€7k€7k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€7k▼
Other operating charges640/8€10k€12k▲
Gross operating margin9900€17k€241k▲
Operating profit (loss)9901€-19k€215k▲
Financial income75/76B€5k€3k▼
Recurring financial income75€5k€3k▼
Financial charges65/66B€3k€8k▲
Recurring financial charges65€3k€8k▲
Profit (loss) for the period before taxes9903€-17k€209k▲
Income taxes67/77-€58k
Profit (loss) for the period9904€-17k€152k▲
Profit (loss) for the period to be appropriated9905€-17k€152k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-17k€152k▲
Transfer from equity791/2€17k€0▼
Transfer to equity691/2-€152k
To the legal reserve6920-€3k
To other reserves6921-€149k
Social balance
Average headcount (FTE)90870.10.1=
The notes to these accounts (17 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
11-09
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 42 days late
2025
31-12
Financial
Back to profitnet €152k
Net result €152k after 3 loss-making years.
31-12
Financial
Liquidity doublescurrent ratio 1.71
Current ratio from 0.72 to 1.71; short-term debt falls from €619k to €285k.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 29 days late
2024
31-12
Financial
Weakest financial yearnet €-17k
Net result drops to €-17k, the lowest in the series; recovery starts the following year.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 27 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 30 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
06-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 67 days late
2019
31-12
Financial
Equity above €500kEq €637k ▲83.9%
2 profitable years in a row build equity to €637k.
12-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
17-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
13 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, Oostende · 1 establishment unit since 2001
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.
Euphrosina Beernaertstraat 588400 OostendeGround area
540 m²
Building footprint
623 m²
Volume, LiDAR
14,525 m³
2 parcels, Flanders · tallest building 31.8 m, ±9 floors. Linked by address, not a title deed.
1 establishment unit
BOTSMAN HOLDING NV
since 20012.063.784.074
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35013A1595/00G035 | Flanders | 348 m² | 1 · 431 m² | 31.8 m · 9 fl. |
| 35013A1651/00N015 | Flanders | 191 m² | 1 · 191 m² | 23.7 m · 6 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.
Similar companies · same sector, comparable size
CONTINENTAL TANK CONTRACTORS
BE 0463.344.551
Dilsen-Stokkem · Eq €821k
SVD INVEST
BE 0640.856.531
Kruisem · Eq €821k
La Ricetta
BE 0757.965.126
Asse · Eq €821k
Synergy2core
BE 0825.981.922
Affligem · Eq €821k
ICARUS NOVO
BE 1003.597.335
Antwerpen · Eq €821k
Of 24,725 companies in sector 64210 we hold annual accounts for 19,754. 13,112 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded26-07-1993
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 31 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.