Summary
BRIBO is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €678k and a net result of €98k. Equity is growing by ~9.4% per year across the filed fiscal years. Its solvency ranks better than 49% of 2777 sector peers (fiscal year 2024). The company has been active since 2013 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 check for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 01-07-2025, 30 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
30 d early
2023
16 d early
2022
35 d early
2021
27 d early
2020
9 d early
2019
27 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, full schema
Equity
€678k▲ 17.0%
2023 · €580k
2018: €391k
2019: €389k
2020: €387k
2021: €510k
2022: €508k
2023: €580k
2018 → 2024
Net result
€98k▲ 37.0%
2023 · €72k
2018: €-2k
2019: €-2k
2020: €-2k
2021: €123k
2022: €-2k
2023: €72k
2018 → 2024
Total assets
€1.20M▼ 0.8%
2023 · €1.21M
2018: €717k
2019: €716k
2020: €714k
2021: €727k
2022: €725k
2023: €1.21M
2018 → 2024
Solvency
56.7%▲ 8.6pp
2023 · 48.1%
2018: 54.5%
2019: 54.3%
2020: 54.2%
2021: 70.1%
2022: 70.1%
2023: 48.1%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€387k-€510k▲ 31.8%€508k▼ 0.3%€580k▲ 14.1%€678k▲ 17.0%
Operating result€-2k-€-2k▼ 0.2%€-1k▲ 25.0%€-3k▼ 115%€-2k▲ 48.4%
Net result€-2k-€123k€-2k€72k€98k▲ 37.0%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €2k in 2024 against €3k in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.20M
Fixed assets
€698k =
Current assets
€498k ▼ 2.0%
Equity and liabilities €1.20M
Equity
€678k ▲ 17.0%
Debt
€518k ▼ 17.3%
Debt's share of the balance-sheet total falls from 51.9% to 43.3%. Equity is higher and debt is lower.
Key figures and ratios
ROE
14.5%▲
2023 · 12.4%
ROA
8.2%▲
2023 · 6.0%
Debt ≤ 1 year
€518k▼
2023 · €626k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 41 lines
Balance sheet
Code20232024
Assets
Total assets20/58€1.21M€1.20M▼
Fixed assets21/28€698k€698k=
Financial fixed assets28€698k€698k=
Affiliated companies280/1€698k€698k=
Participating interests280€698k€698k=
Current assets29/58€508k€498k▼
Current investments50/53€453k€453k=
Own shares50€453k€453k=
Cash at bank and in hand54/58€55k€45k▼
Equity and liabilities
Total equity and liabilities10/49€1.21M€1.20M▼
Equity10/15€580k€678k▲
Contributions10/11€32k€32k=
Reserves13€456k€456k=
Non-distributable reserves130/1€453k€453k=
Own shares acquired1312€453k€453k=
Distributable reserves133€3k€3k=
Profit (loss) carried forward14€91k€190k▲
Amounts payable17/49€626k€518k▼
Amounts payable within one year42/48€626k€518k▼
Trade debts44€2k€780▼
Suppliers440/4€2k€780▼
Other amounts payable47/48€624k€517k▼
Income statement
Code20232024
Operating charges60/66A€3k€2k▼
Services and other goods61€2k€780▼
Other operating charges640/8€853€866▲
Operating profit (loss)9901€-3k€-2k▲
Financial income75/76B€75k€100k▲
Recurring financial income75€75k€100k▲
Income from financial fixed assets750€75k€100k▲
Financial charges65/66B€24€29▲
Recurring financial charges65€24€29▲
Debt charges650€24€29▲
Profit (loss) for the period before taxes9903€72k€98k▲
Profit (loss) for the period9904€72k€98k▲
Profit (loss) for the period to be appropriated9905€72k€98k▲
Appropriation of the result
Profit (loss) to be appropriated9906€163k€190k▲
Profit (loss) brought forward from the previous period14P€91k€91k▲
Transfer from equity791/2€382k-
From reserves792€382k-
Transfer to equity691/2€453k-
To other reserves6921€453k-
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
01-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
15-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Back to profitnet €72k
Net result €72k after one loss-making year.
26-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
04-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Back to profitnet €123k
Net result €123k after 3 loss-making years.
31-12
Financial
Equity above €500kEq €510k ▲31.8%
Equity rises from €387k to €510k.
22-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 27 days late
2019
31-12
Financial
Weakest financial yearnet €-2k
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 30 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 30 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 30 days late
2016
29-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Herentals · 1 establishment unit since 2013
Ground area
1.5 ha
Building footprint
2,740 m²
Volume, LiDAR
21,312 m³
Parcel 13302D0271/00K000, Flanders · tallest building 10.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Toekomstlaan(HRT) 17, 2200 Herentals
since 20132.224.342.533
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13302D0271/00K000 | Flanders | 1.5 ha | 1 · 2,740 m² | 10.0 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.
Similar companies · same sector, comparable size
VAN MARCKE FINANCE
BE 0755.532.802
Kortrijk · Eq €678,306
ALMAPRO
BE 0654.792.758
Ternat · Eq €678,248
EGOMOTION
BE 0477.012.544
Meerhout · Eq €678,406
IKIGAI HOLDING
BE 0730.886.684
Sint-Martens-Latem · Eq €678,143
Loucap
BE 0804.983.501
Elsene · Eq €678,733
Of 24,727 companies in sector 64210 we hold annual accounts for 19,764. 13,343 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-07-2013
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.