BUREAU DROUET 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 €182k and a net result of €618. Equity is growing by ~5.6% per year across the filed fiscal years. Its solvency ranks better than 60% of 3321 sector peers (fiscal year 2024). The company has been active since 1997 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
Two signals. 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 25-07-2025, 6 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
6 d early
2023
21 d early
2022
2 d late
2021
59 d early
2020
53 d early
2019
1 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€182k▲ 0.3%
2023 · €181k
2018: €121k
2019: €135k
2020: €164k
2021: €185k
2022: €180k
2023: €181k
2018 → 2024
Net result
€618▼ 52.9%
2023 · €1k
2018: €29k
2019: €14k
2020: €29k
2021: €21k
2022: €-5k
2023: €1k
2018 → 2024
Total assets
€301k▼ 4.4%
2023 · €315k
2018: €378k
2019: €372k
2020: €366k
2021: €358k
2022: €335k
2023: €315k
2018 → 2024
Solvency
60.4%▲ 2.8pp
2023 · 57.6%
2018: 32.0%
2019: 36.3%
2020: 44.8%
2021: 51.7%
2022: 53.7%
2023: 57.6%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€164k-€185k▲ 13.0%€180k▼ 2.9%€181k▲ 0.7%€182k▲ 0.3%
Operating result€35k-€30k▼ 12.8%€-3k€4k€3k▼ 28.0%
Net result€29k-€21k▼ 25.5%€-5k€1k€618▼ 52.9%
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 2024; 2024 is 28% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €301k
Fixed assets
€301k▼ 3.8%
Current assets
€248▼ 87.6%
Equity and liabilities €301k
Equity
€182k▲ 0.3%
Provisions
€18k▼ 4.8%
Debt
€102k▼ 11.7%
The debt ratio falls from 36.6% to 33.8%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
60.4%▲
2023 · 57.6%
ROE
0.3%▼
2023 · 0.7%
ROA
0.2%▼
2023 · 0.4%
Debt
€102k▼
2023 · €115k
Debt ≤ 1 year
€35k▲
2023 · €35k
Debt > 1 year
€67k▼
2023 · €80k
Income taxes
€1k▲
2023 · €979
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€315k€301k▼
Fixed assets21/28€313k€301k▼
Tangible fixed assets22/27€312k€300k▼
Land and buildings22€312k€299k▼
Furniture and vehicles24€0€1k▲
Financial fixed assets28€474€474=
Current assets29/58€2k€248▼
Amounts receivable within one year40/41€95-
Other amounts receivable41€95-
Cash at bank and in hand54/58€1k€25▼
Deferred charges and accrued income490/1€410€222▼
Equity and liabilities
Total equity and liabilities10/49€315k€301k▼
Equity10/15€181k€182k▲
Contributions10/11€6k€6k=
Capital10€6k€6k=
Issued capital100€19k€19k=
Uncalled capital101€12k€12k=
Reserves13€61k€59k▼
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Tax-exempt reserves132€39k€38k▼
Distributable reserves133€20k€20k=
Profit (loss) carried forward14€114k€116k▲
Provisions and deferred taxes16€18k€18k▼
Deferred taxes168€18k€18k▼
Amounts payable17/49€115k€102k▼
Amounts payable after more than one year17€80k€67k▼
Financial debts170/4€80k€67k▼
Amounts payable within one year42/48€35k€35k▲
Current portion of amounts payable after more than one year42€13k€13k▼
Trade debts44-€105
Suppliers440/4-€105
Taxes, remuneration and social security45€98€112▲
Taxes450/3€98€112▲
Other amounts payable47/48€22k€22k=
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€14k▲
Other operating charges640/8€972€2k▲
Gross operating margin9900€18k€18k▼
Operating profit (loss)9901€4k€3k▼
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€1k€849▼
Transfer from deferred taxes780€878€878=
Income taxes67/77€979€1k▲
Profit (loss) for the period9904€1k€618▼
Transfer from tax-exempt reserves789€2k€2k=
Profit (loss) for the period to be appropriated9905€3k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€114k€116k▲
Profit (loss) brought forward from the previous period14P€111k€114k▲
Transfer to equity691/2€0-
To the legal reserve6920€0-
Shareholders' contribution to the loss794€0-
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
10-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
02-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 2 days late
2022
31-12
Financial
Weakest financial yearnet €-5k ▼126%
Net result drops to €-5k, the lowest in the series; recovery starts the following year.
02-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
08-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €150kEq €164k ▲21.2%
3 profitable years in a row build equity to €164k.
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
04-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
23-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 23 days late
2017
11-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
2016
30-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 30 days late
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, La Roche-en-Ardenne · 1 establishment unit since 1997
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.
Chemin de Soeret 46980 La Roche-en-ArdenneGround area
141 m²
Building footprint
183 m²
2 parcels, Wallonia. Linked by address, not a title deed.
1 establishment unit
Quai de l'Ourthe 11, 6980 La Roche-en-Ardenne
since 19972.081.160.140
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 83031C0045/00A000 | Wallonia | 111 m² | 1 · 147 m² | - |
| 83031A0245/00D000 | Wallonia | 30 m² | 1 · 36 m² | - |
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 1,680 companies in sector 66191 we hold annual accounts for 1,229. 1,119 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-01-1997
Fiscal year end31-12
Activities, NACEBEL
66191Agents and brokers in banking services
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.