BRECHT VANHOEF 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 €9k and a net result of €8k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 17% of 8024 sector peers (fiscal year 2025). The company has been active since 2020 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.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 8024 sector peers (2025).
NBB · sector comparisonPosition among 8024 sector peers
Solvency
better than 17%
← weakest
strongest →
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 30-07-2026, 1 day ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
1 d early
2024
3 d early
2023
4 d early
2022
4 d early
2021
24 d early
2020
26 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€9k▼ 77.8%
2024 · €39k
2020: €17k
2021: €18k
2022: €14k
2023: €38k
2024: €39k
2020 → 2025
Net result
€8k▲ 355%
2024 · €2k
2020: €12k
2021: €1k
2022: €-4k
2023: €24k
2024: €2k
2020 → 2025
Total assets
€83k▼ 33.1%
2024 · €125k
2020: €42k
2021: €51k
2022: €40k
2023: €129k
2024: €125k
2020 → 2025
Solvency
10.4%▼ 21.1pp
2024 · 31.5%
2020: 39.7%
2021: 35.0%
2022: 34.5%
2023: 29.1%
2024: 31.5%
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€18k-€14k▼ 21.9%€38k▲ 169%€39k▲ 4.5%€9k▼ 77.8%
Operating result€3k-€-1k€34k€9k▼ 73.6%€16k▲ 84.2%
Net result€1k-€-4k€24k€2k▼ 92.8%€8k▲ 355%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 84% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €83k
Fixed assets
€57k▼ 20.3%
Current assets
€27k▼ 50.1%
Equity and liabilities €83k
Equity
€9k▼ 77.8%
Debt
€75k▼ 12.5%
The debt ratio rises from 68.5% to 89.6%. Equity and debt are lower.
Key figures and ratios
Solvency
10.4%▼
2024 · 31.5%
ROE
88.7%▲
2024 · 4.3%
ROA
9.3%▲
2024 · 1.4%
Debt
€75k▼
2024 · €85k
Debt ≤ 1 year
€37k▲
2024 · €34k
Debt > 1 year
€38k▼
2024 · €51k
Income taxes
€6k▲
2024 · €4k
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€125k€83k▼
Fixed assets21/28€71k€57k▼
Tangible fixed assets22/27€54k€40k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€4k€4k▼
Leasing and similar rights25€46k€33k▼
Other tangible fixed assets26€2k€2k▼
Financial fixed assets28€17k€17k=
Current assets29/58€54k€27k▼
Amounts receivable within one year40/41€51k€13k▼
Trade receivables40€25k€13k▼
Other amounts receivable41€26k-
Cash at bank and in hand54/58€2k€13k▲
Deferred charges and accrued income490/1€1k€557▼
Equity and liabilities
Total equity and liabilities10/49€125k€83k▼
Equity10/15€39k€9k▼
Contributions10/11€5k€5k=
Reserves13€34k€4k▼
Distributable reserves133€34k€4k▼
Amounts payable17/49€85k€75k▼
Amounts payable after more than one year17€51k€38k▼
Financial debts170/4€51k€38k▼
Amounts payable within one year42/48€34k€37k▲
Current portion of amounts payable after more than one year42€13k€13k▲
Trade debts44€12k€3k▼
Suppliers440/4€12k€3k▼
Taxes, remuneration and social security45€9k€19k▲
Taxes450/3€9k€19k▲
Other amounts payable47/48€208€1k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€16k▲
Other operating charges640/8€4k€3k▼
Gross operating margin9900€29k€36k▲
Operating profit (loss)9901€9k€16k▲
Financial income75/76B€0€1▲
Recurring financial income75€0€1▲
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€6k€14k▲
Income taxes67/77€4k€6k▲
Profit (loss) for the period9904€2k€8k▲
Profit (loss) for the period to be appropriated9905€2k€8k▲
Appropriation of the result
Profit (loss) to be appropriated9906€2k€8k▲
Transfer from equity791/2-€38k
Transfer to equity691/2€2k€8k▲
To other reserves6921€2k€8k▲
Profit to be distributed694/7-€38k
Return on contributions (dividend)694-€38k
The notes to these accounts (8 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
27-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €24k
Net result €24k after one loss-making year.
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-4k ▼455%
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
07-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
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, Dilsen-Stokkem · 1 establishment unit since 2020
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.
Kruisveldstraat 773650 Dilsen-StokkemGround area
5,202 m²
Building footprint
777 m²
Volume, LiDAR
3,168 m³
2 parcels, Flanders · tallest building 15.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BRECHT VANHOEF
since 20202.298.109.746
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72018C0885/00H000 | Flanders | 4,193 m² | 1 · 612 m² | 15.3 m · 2 fl. |
| 72007A0490/00X000 | Flanders | 1,010 m² | 1 · 165 m² | 2.8 m |
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.
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,764. 4,623 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-01-2020
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.