BURO 78 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 €1.24M and a net result of €156k. Equity is growing by ~13.5% per year across the filed fiscal years. The company has been active since 2008 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 · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 23-01-2026, 8 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
8 d early
2024
10 d early
2023
6 d early
2022
15 d early
2021
24 d early
2020
52 d early
2019
51 d early
← before the deadline
after the deadline →
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 close16-09-2026 today31-01-2027 deadline
Financials · fiscal year 2024, micro schema
Equity
€1.24M▲ 5.5%
2023 · €1.18M
2019: €549k
2020: €678k
2021: €973k
2022: €1.09M
2023: €1.18M
2019 → 2024
Net result
€156k▲ 6.9%
2023 · €146k
2019: €93k
2020: €129k
2021: €296k
2022: €115k
2023: €146k
2019 → 2024
Total assets
€1.65M▼ 2.5%
2023 · €1.69M
2019: €1.09M
2020: €1.10M
2021: €1.73M
2022: €1.67M
2023: €1.69M
2019 → 2024
Solvency
75.5%▲ 5.8pp
2023 · 69.7%
2019: 50.2%
2020: 61.3%
2021: 56.2%
2022: 65.3%
2023: 69.7%
2019 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€678k-€973k▲ 43.6%€1.09M▲ 11.8%€1.18M▲ 8.3%€1.24M▲ 5.5%
Operating result€142k-€168k▲ 18.6%€118k▼ 29.9%€169k▲ 43.4%€217k▲ 28.5%
Net result€129k-€296k▲ 129%€115k▼ 61.2%€146k▲ 27.3%€156k▲ 6.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 29% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.65M
Fixed assets
€967k▼ 23.1%
Current assets
€681k▲ 57.0%
Equity and liabilities €1.65M
Equity
€1.24M▲ 5.5%
Debt
€404k▼ 21.1%
The debt ratio falls from 30.3% to 24.5%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
75.5%▲
2023 · 69.7%
ROE
12.5%▲
2023 · 12.4%
ROA
9.5%▲
2023 · 8.6%
Debt
€404k▼
2023 · €513k
Debt ≤ 1 year
€92k▼
2023 · €121k
Debt > 1 year
€313k▼
2023 · €392k
Income taxes
€65k▲
2023 · €56k
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€1.69M€1.65M▼
Fixed assets21/28€1.26M€967k▼
Tangible fixed assets22/27€1.07M€967k▼
Land and buildings22€1.02M€930k▼
Plant, machinery and equipment23€2k€3k▲
Furniture and vehicles24€52k€34k▼
Financial fixed assets28€189k-
Current assets29/58€434k€681k▲
Amounts receivable within one year40/41€84k€47k▼
Trade receivables40€30k€30k▲
Other amounts receivable41€54k€17k▼
Current investments50/53-€397k
Cash at bank and in hand54/58€338k€225k▼
Deferred charges and accrued income490/1€11k€11k▼
Equity and liabilities
Total equity and liabilities10/49€1.69M€1.65M▼
Equity10/15€1.18M€1.24M▲
Contributions10/11€19k€20k▲
Reserves13€868k€931k▲
Non-distributable reserves130/1€2k-
Reserves not available under the articles1311€2k-
Tax-exempt reserves132€123k€116k▼
Distributable reserves133€743k€815k▲
Profit (loss) carried forward14€292k€292k=
Amounts payable17/49€513k€404k▼
Amounts payable after more than one year17€392k€313k▼
Financial debts170/4€392k€313k▼
Amounts payable within one year42/48€121k€92k▼
Current portion of amounts payable after more than one year42€102k€80k▼
Trade debts44€8k€5k▼
Suppliers440/4€8k€5k▼
Taxes, remuneration and social security45€7k€6k▼
Taxes450/3€7k€6k▼
Other amounts payable47/48€3k€416▼
Accrued charges and deferred income492/3-€16
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€114k€107k▼
Other operating charges640/8€21k€9k▼
Gross operating margin9900€304k€332k▲
Operating profit (loss)9901€169k€217k▲
Financial income75/76B€40k€30k▼
Recurring financial income75€40k€30k▼
Financial charges65/66B€7k€26k▲
Recurring financial charges65€7k€26k▲
Profit (loss) for the period before taxes9903€202k€221k▲
Income taxes67/77€56k€65k▲
Profit (loss) for the period9904€146k€156k▲
Transfer from tax-exempt reserves789€7k€7k=
Profit (loss) for the period to be appropriated9905€153k€163k▲
Appropriation of the result
Profit (loss) to be appropriated9906€445k€455k▲
Profit (loss) brought forward from the previous period14P€292k€292k=
Transfer from equity791/2€55k€91k▲
Transfer to equity691/2€153k€163k▲
To other reserves6921€153k€163k▲
Profit to be distributed694/7€55k€91k▲
Return on contributions (dividend)694€55k€91k▲
The notes to these accounts (9 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
23-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
21-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Liquidity doublescurrent ratio 7.44
Current ratio from 3.58 to 7.44; short-term debt falls from €121k to €92k.
25-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
16-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Equity above €1MEq €1.09M ▲11.8%
4 profitable years in a row build equity to €1.09M.
07-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Highest result since 2019net €296k ▲129%
Net result €296k, the highest in the series.
2020
10-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
11-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
13-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
06-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
07-12
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
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, Wichelen · 1 establishment unit since 2008
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.
Wettersestraat 789260 WichelenGround area
1,172 m²
Building footprint
246 m²
Volume, LiDAR
2,106 m³
Parcel 42018C0001/00G000, Flanders · tallest building 13.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Buro 78
since 20082.175.039.710
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42018C0001/00G000 | Flanders | 1,172 m² | 1 · 246 m² | 13.4 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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 4,380 EUR awarded · 4,380 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 4,380 EUR | 4,380 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 24,726 companies in sector 64210 we hold annual accounts for 19,747. 12,182 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-11-2008
Fiscal year end30-06
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73110Advertising agencies
73200Market research and public opinion polling
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 16 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.
Contact details
1 entryE-mail:n.goossens@telenet.be