Bureau Bechoux 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 €161k and a net result of €1k. Equity is growing by ~13.6% per year across the filed fiscal years. Its solvency ranks better than 90% of 65 sector peers (fiscal year 2025). The company has been active since 1988 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 · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-08-2026, 17 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
17 d late
2024
7 d early
2023
28 d early
2022
55 d early
2021
2 d late
2020
19 d late
2019
22 d early
← 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€161k▲ 0.8%
2024 · €160k
2018: €71k
2019: €70k
2020: €69k
2021: €80k
2022: €97k
2023: €100k
2024: €160k
2018 → 2025
Net result
€1k▼ 97.8%
2024 · €60k
2018: €-4k
2019: €-2k
2020: €2k
2021: €11k
2022: €17k
2023: €3k
2024: €60k
2018 → 2025
Total assets
€178k▲ 1.4%
2024 · €175k
2018: €77k
2019: €72k
2020: €72k
2021: €86k
2022: €108k
2023: €109k
2024: €175k
2018 → 2025
Solvency
90.7%▼ 0.6pp
2024 · 91.3%
2018: 92.3%
2019: 96.9%
2020: 95.6%
2021: 93.0%
2022: 89.5%
2023: 91.7%
2024: 91.3%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€80k-€97k▲ 20.8%€100k▲ 2.7%€160k▲ 60.6%€161k▲ 0.8%
Operating result€17k-€26k▲ 51.8%€5k▼ 79.3%€92k▲ 1,581%€5k▼ 94.8%
Net result€11k-€17k▲ 51.6%€3k▼ 84.3%€60k▲ 2,199%€1k▼ 97.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 95% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €178k
Fixed assets
€13k▼ 40.0%
Current assets
€165k▲ 7.1%
Equity and liabilities €178k
Equity
€161k▲ 0.8%
Provisions
€920▼ 50.0%
Debt
€16k▲ 15.9%
The debt ratio rises from 7.7% to 8.8%. Equity and debt are higher.
Key figures and ratios
Solvency
90.7%▼
2024 · 91.3%
ROE
0.8%▼
2024 · 37.7%
ROA
0.7%▼
2024 · 34.4%
Debt
€16k▲
2024 · €13k
Debt ≤ 1 year
€16k▲
2024 · €13k
Income taxes
€4k▼
2024 · €32k
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€175k€178k▲
Fixed assets21/28€21k€13k▼
Tangible fixed assets22/27€19k€11k▼
Furniture and vehicles24€19k€11k▼
Financial fixed assets28€2k€2k=
Current assets29/58€154k€165k▲
Amounts receivable within one year40/41€23k€30k▲
Trade receivables40€9k€9k▲
Other amounts receivable41€14k€21k▲
Cash at bank and in hand54/58€130k€133k▲
Deferred charges and accrued income490/1€955€1k▲
Equity and liabilities
Total equity and liabilities10/49€175k€178k▲
Equity10/15€160k€161k▲
Contributions10/11€6k€6k=
Reserves13€96k€97k▲
Tax-exempt reserves132€6k€3k▼
Distributable reserves133€91k€95k▲
Profit (loss) carried forward14€57k€57k▲
Provisions and deferred taxes16€2k€920▼
Deferred taxes168€2k€920▼
Amounts payable17/49€13k€16k▲
Amounts payable within one year42/48€13k€16k▲
Trade debts44€692-
Suppliers440/4€692-
Taxes, remuneration and social security45€12k€14k▲
Taxes450/3€12k€14k▲
Other amounts payable47/48€1k€1k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€8k▼
Other operating charges640/8€1k€973▼
Gross operating margin9900€101k€14k▼
Operating profit (loss)9901€92k€5k▼
Financial income75/76B€155€384▲
Recurring financial income75€155€384▲
Financial charges65/66B€468€441▼
Recurring financial charges65€468€441▼
Profit (loss) for the period before taxes9903€91k€5k▼
Transfer from deferred taxes780€920€920=
Income taxes67/77€32k€4k▼
Profit (loss) for the period9904€60k€1k▼
Transfer from tax-exempt reserves789€3k€3k=
Profit (loss) for the period to be appropriated9905€63k€4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€120k€61k▼
Profit (loss) brought forward from the previous period14P€57k€57k=
Transfer to equity691/2€63k€4k▼
To other reserves6921€63k€4k▼
The notes to these accounts (5 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
17-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 17 days late
2025
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €60k ▲2199%
Operating result €92k, net result €60k, both a record.
31-12
Financial
Equity above €150kEq €160k ▲60.6%
5 profitable years in a row build equity to €160k.
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
06-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
02-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 2 days late
2021
19-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 19 days late
2020
31-12
Financial
Back to profitnet €2k
Net result €2k after 2 loss-making years.
09-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity doublescurrent ratio 29.93
Current ratio from 13.98 to 29.93; short-term debt falls from €4k to €2k.
23-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 23 days late
2018
23-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 23 days late
2017
28-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Hotton · 1 establishment unit since 1988
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.
Rue des Alouettes 256990 HottonGround area
1,044 m²
Building footprint
150 m²
Parcel 83028D0991/00Y002, Wallonia. Linked by address, not a title deed.
1 establishment unit
Rue des Alouettes 25, 6990 Hotton
since 19882.032.375.177
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 83028D0991/00Y002 | Wallonia | 1,044 m² | 1 · 149 m² | - |
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.
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LV Agency
BE 0745.476.870
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AssuredPartners
BE 0755.966.035
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JACQUES MEUWESE ET KRISS GULBIS
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Of 65 companies in sector 65111 we hold annual accounts for 28. 20 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-01-1988
Fiscal year end31-12
Activities, NACEBEL
65111Insurance, reinsurance and pension funding, except compulsory social security
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 38 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.