BREESCH EXPERTISES 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 €37k and a net result of €3k. Equity remains stable across the filed fiscal years (±1% per year). Its solvency ranks better than 95% of 1471 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 28-08-2026, 28 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
28 d late
2024
64 d late
2023
426 d late
2022
122 d late
2021
487 d late
2020
on the day
2019
54 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, abbreviated schema
Equity
€37k▲ 8.8%
2024 · €34k
2018: €33k
2019: €43k
2020: €49k
2021: €43k
2022: €48k
2023: €44k
2024: €34k
2018 → 2025
Net result
€3k
2024 · €-10k
2018: €4k
2019: €10k
2020: €7k
2021: €-7k
2022: €5k
2023: €-4k
2024: €-10k
2018 → 2025
Total assets
€40k▲ 9.7%
2024 · €36k
2018: €39k
2019: €66k
2020: €71k
2021: €49k
2022: €66k
2023: €49k
2024: €36k
2018 → 2025
Solvency
93.4%▼ 0.8pp
2024 · 94.2%
2018: 84.0%
2019: 65.1%
2020: 69.4%
2021: 86.3%
2022: 72.7%
2023: 89.4%
2024: 94.2%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€43k-€48k▲ 12.3%€44k▼ 8.3%€34k▼ 21.9%€37k▲ 8.8%
Operating result€-7k-€7k€-4k€-9k▼ 125%€2k
Net result€-7k-€5k€-4k€-10k▼ 142%€3k
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 returns to profit in 2025: €2k after a loss of €9k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €40k
Equity
€37k▲ 8.8%
Debt
€3k▲ 24.2%
The debt ratio rises from 5.8% to 6.6%. Equity and debt are higher.
Key figures and ratios
Solvency
93.4%▼
2024 · 94.2%
ROE
8.1%▲
2024 · -28.0%
ROA
7.6%▲
2024 · -26.4%
Debt
€3k▲
2024 · €2k
Debt ≤ 1 year
€3k▲
2024 · €2k
Income taxes
€136▼
2024 · €615
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€36k€40k▲
Fixed assets21/28€22k-
Tangible fixed assets22/27€22k-
Plant, machinery and equipment23€0-
Furniture and vehicles24€22k-
Other tangible fixed assets26€0-
Current assets29/58€15k€40k▲
Amounts receivable within one year40/41€13k€40k▲
Trade receivables40€5k€30k▲
Other amounts receivable41€9k€10k▲
Cash at bank and in hand54/58€82€16▼
Deferred charges and accrued income490/1€1k-
Equity and liabilities
Total equity and liabilities10/49€36k€40k▲
Equity10/15€34k€37k▲
Contributions10/11€6k€6k=
Capital10€6k€6k=
Issued capital100€19k€19k=
Uncalled capital101€12k€12k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Profit (loss) carried forward14€26k€29k▲
Amounts payable17/49€2k€3k▲
Amounts payable within one year42/48€2k€3k▲
Trade debts44€741€1k▲
Suppliers440/4€741€1k▲
Taxes, remuneration and social security45€1k€1k▼
Taxes450/3€1k€1k▼
Other amounts payable47/48€0-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k-
Other operating charges640/8€779€483▼
Non-recurring operating charges66A€100€975▲
Gross operating margin9900€2k€4k▲
Operating profit (loss)9901€-9k€2k▲
Financial income75/76B€258€849▲
Recurring financial income75€258€849▲
Financial charges65/66B€195€198▲
Recurring financial charges65€195€198▲
Profit (loss) for the period before taxes9903€-9k€3k▲
Income taxes67/77€615€136▼
Profit (loss) for the period9904€-10k€3k▲
Profit (loss) for the period to be appropriated9905€-10k€3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€26k€29k▲
Profit (loss) brought forward from the previous period14P€36k€26k▼
The notes to these accounts (4 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 28 days late
2025
31-12
Financial
Back to profitnet €3k
Net result €3k after 2 loss-making years.
31-12
Financial
Liquidity doublescurrent ratio 15.11
Current ratio from 6.89 to 15.11.
03-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 64 days late
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 426 days late
2024
31-12
Financial
Weakest financial yearnet €-10k
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 6.89
Current ratio from 3.31 to 6.89; short-term debt falls from €5k to €2k.
2023
31-12
Financial
Liquidity triplescurrent ratio 3.31
Current ratio from 1.28 to 3.31; short-term debt falls from €18k to €5k.
30-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 122 days late
30-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 487 days late
2022
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
2021
31-12
Financial
Liquidity doublescurrent ratio 3.74
Current ratio from 1.69 to 3.74; short-term debt falls from €22k to €7k.
31-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
23-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 54 days late
2019
31-12
Financial
Highest result since 2018net €10k ▲195%
Operating result €17k, net result €10k, both a record.
12-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 12 days late
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 27 days late
2017
01-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 1 day 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, Liège
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.
Quai de Rome 304000 LiègeGround area
1,519 m²
Building footprint
372 m²
Volume, LiDAR
9,675 m³
Parcel 62814C0049/00P002, Wallonia · tallest building 47.5 m, ±8 floors. Linked by address, not a title deed.
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62814C0049/00P002 | Wallonia | 1,519 m² | 1 · 372 m² | 47.5 m · 8 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.
Similar companies · same sector, comparable size
BUREAUX D'EXPERTISES - ETUDES - GESTIONS & SERVICES
BE 0843.819.826
Beyne-Heusay · Eq €38k
TEXTRAIL
BE 1009.896.494
Beersel · Eq €38k
KEURINGSFIRMA
BE 0738.489.308
Veurne · Eq €38k
EXECOZ
BE 0746.592.370
Verviers · Eq €37k
ATHOME CONSULTING
BE 0523.902.938
La Louvière · Eq €36k
Of 853 companies in sector 66210 we hold annual accounts for 511. 378 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded30-11-1993
Fiscal year end31-12
Activities, NACEBEL
66210Risk and damage evaluation
67202
Sources
Crossroads Bank for EnterprisesNational Bank · 32 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.