Summary
BUPROBEL 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 €413k and a net result of €17k. Equity remains stable across the filed fiscal years (±1.3% per year). Its solvency ranks better than 94% of 8023 sector peers (fiscal year 2025). The company has been active since 1999 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
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 30-06-2025 was due by 31-01-2026 and was filed on 18-12-2025, 44 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
44 d early
2024
24 d early
2023
1 d early
2022
43 d early
2021
41 d early
2020
46 d early
2019
44 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€413k▼ 7.7%
2024 · €447k
2019: €418k
2020: €515k
2021: €539k
2022: €559k
2023: €580k
2024: €447k
2019 → 2025
Net result
€17k▼ 14.7%
2024 · €20k
2019: €51k
2020: €97k
2021: €23k
2022: €21k
2023: €21k
2024: €20k
2019 → 2025
Total assets
€433k▼ 4.4%
2024 · €453k
2019: €487k
2020: €594k
2021: €553k
2022: €568k
2023: €587k
2024: €453k
2019 → 2025
Solvency
95.3%▼ 3.4pp
2024 · 98.6%
2019: 85.8%
2020: 86.7%
2021: 97.4%
2022: 98.5%
2023: 98.9%
2024: 98.6%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€539k-€559k▲ 3.9%€580k▲ 3.7%€447k▼ 23.0%€413k▼ 7.7%
Operating result€28k-€19k▼ 31.0%€21k▲ 8.4%€17k▼ 19.0%€12k▼ 30.6%
Net result€23k-€21k▼ 9.3%€21k▼ 1.2%€20k▼ 4.2%€17k▼ 14.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 31% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €433k
Fixed assets
€100k =
Current assets
€334k ▼ 5.7%
Equity and liabilities €433k
Equity
€413k ▼ 7.7%
Debt
€21k ▲ 235%
Debt's share of the balance-sheet total rises from 1.4% to 4.7%. Equity is lower and debt is higher.
Key figures and ratios
ROE
4.1%▼
2024 · 4.4%
ROA
3.9%▼
2024 · 4.4%
Debt ≤ 1 year
€21k▲
2024 · €6k
Income taxes
€9k▼
2024 · €9k
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 · 2025 against 2024 · 45 lines
Balance sheet
Code20242025
Assets
Total assets20/58€453k€433k▼
Fixed assets21/28€100k€100k=
Financial fixed assets28€100k€100k=
Current assets29/58€354k€334k▼
Amounts receivable after more than one year29€70k€70k=
Other amounts receivable291€70k€70k=
Amounts receivable within one year40/41€268k€223k▼
Trade receivables40€15k€15k=
Other amounts receivable41€254k€209k▼
Cash at bank and in hand54/58€15k€40k▲
Equity and liabilities
Total equity and liabilities10/49€453k€433k▼
Equity10/15€447k€413k▼
Contributions10/11€6k€6k=
Reserves13€441k€406k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€439k€404k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€6k€21k▲
Amounts payable within one year42/48€6k€21k▲
Financial debts43€6k€0▼
Credit institutions430/8€6k€0▼
Trade debts44€131€0▼
Suppliers440/4€131€0▼
Taxes, remuneration and social security45€406€12k▲
Taxes450/3€406€9k▲
Remuneration and social security454/9-€3k
Other amounts payable47/48-€9k
Income statement
Code20242025
Other operating charges640/8€749€694▼
Gross operating margin9900€17k€12k▼
Operating profit (loss)9901€17k€12k▼
Financial income75/76B€13k€14k▲
Recurring financial income75€13k€14k▲
Financial charges65/66B€342€519▲
Recurring financial charges65€342€519▲
Profit (loss) for the period before taxes9903€29k€26k▼
Income taxes67/77€9k€9k▼
Profit (loss) for the period9904€20k€17k▼
Profit (loss) for the period to be appropriated9905€20k€17k▼
Appropriation of the result
Profit (loss) to be appropriated9906€20k€17k▼
Transfer from equity791/2€153k€51k▼
Transfer to equity691/2€20k€17k▼
To other reserves6921€20k€17k▼
Profit to be distributed694/7€153k€51k▼
Return on contributions (dividend)694€153k€51k▼
The notes to these accounts (12 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
2025
18-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Weakest financial yearnet €17k ▼14.7%
Net result drops to €17k, the lowest in the series.
07-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
19-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
21-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
30-06
Financial
Liquidity times 5current ratio 32.06
Current ratio from 6.74 to 32.06; short-term debt falls from €73k to €14k.
2020
16-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
30-06
Financial
Highest result since 2019net €97k ▲89.5%
Operating result €153k, net result €97k, both a record.
30-06
Financial
Equity above €500kEq €515k ▲23.3%
2 profitable years in a row build equity to €515k.
2019
18-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
19-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
11-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
02-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Aalst · 1 establishment unit since 2002
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.
Baron Romain Moyersoen Park 169300 AalstGround area
1,512 m²
Building footprint
236 m²
Volume, LiDAR
1,357 m³
Parcel 41304F0816/00G000, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Baron Romain Moyersoen Park 16, 9300 Aalst
since 20022.115.276.228
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41304F0816/00G000 | Flanders | 1,512 m² | 1 · 236 m² | 8.9 m · 2 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
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BE 0822.341.848
Roeselare · Eq €412,587
DESMADRYL & VANHOENACKER
BE 0809.585.259
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ESE.group
BE 0834.974.911
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MICROFUSION
BE 0806.518.772
Lier · Eq €412,478
Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 13,726 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
Founded23-12-1999
Fiscal year end30-06
Activities, NACEBEL 2025
64210Activities of holding companies
46190Agents in non-specialised wholesale trade
46841Wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:carla.steppe@skynet.be