C.S.A. 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 €109k and a net result of €-239. Equity is growing by ~39.8% per year across the filed fiscal years. Its solvency ranks better than 95% of 7980 sector peers (fiscal year 2025). The company has been active since 2011 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 31-12-2025 was due by 31-07-2026 and was filed on 22-07-2026, 9 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
9 d early
2024
22 d early
2023
14 d late
2022
9 d late
2021
6 d early
2020
23 d late
2019
21 d late
← 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
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€109k▼ 0.2%
2024 · €109k
2018: €15k
2019: €16k
2020: €18k
2021: €16k
2022: €44k
2023: €108k
2024: €109k
2018 → 2025
Net result
€-239
2024 · €1k
2018: €-4k
2019: €2k
2020: €2k
2021: €-2k
2022: €43k
2023: €64k
2024: €1k
2018 → 2025
Total assets
€112k▼ 17.9%
2024 · €136k
2018: €15k
2019: €17k
2020: €18k
2021: €16k
2022: €76k
2023: €155k
2024: €136k
2018 → 2025
Solvency
97.3%▲ 17.3pp
2024 · 80.1%
2018: 96.8%
2019: 93.7%
2020: 97.7%
2021: 99.1%
2022: 58.3%
2023: 69.8%
2024: 80.1%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€16k-€44k▲ 171%€108k▲ 145%€109k▲ 1.0%€109k▼ 0.2%
Operating result€-2k-€58k€88k▲ 51.1%€-71€-553▼ 676%
Net result€-2k-€43k€64k▲ 47.1%€1k▼ 98.3%€-239
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €553 in 2025 against €71 in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €112k
Fixed assets
€9k▼ 48.3%
Current assets
€103k▼ 13.4%
Equity and liabilities €112k
Equity
€109k▼ 0.2%
Debt
€3k▼ 89.0%
The debt ratio falls from 19.9% to 2.7%. Equity and debt are lower.
Key figures and ratios
Solvency
97.3%▲
2024 · 80.1%
ROE
-0.2%▼
2024 · 1.0%
ROA
-0.2%▼
2024 · 0.8%
Debt
€3k▼
2024 · €27k
Debt ≤ 1 year
€3k▼
2024 · €27k
Income taxes
€441▼
2024 · €803
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€136k€112k▼
Fixed assets21/28€18k€9k▼
Tangible fixed assets22/27€18k€9k▼
Land and buildings22€3k€3k▼
Furniture and vehicles24€15k€7k▼
Current assets29/58€119k€103k▼
Amounts receivable within one year40/41€22k€26k▲
Trade receivables40€15k€15k=
Other amounts receivable41€8k€11k▲
Current investments50/53€90k€70k▼
Cash at bank and in hand54/58€6k€7k▲
Equity and liabilities
Total equity and liabilities10/49€136k€112k▼
Equity10/15€109k€109k▼
Contributions10/11€12k€12k=
Reserves13€97k€96k▼
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€97k€96k▼
Amounts payable17/49€27k€3k▼
Amounts payable within one year42/48€27k€3k▼
Trade debts44€0€204▲
Suppliers440/4€0€204▲
Taxes, remuneration and social security45€27k€3k▼
Taxes450/3€27k€3k▼
Income statement
Code20242025
Non-recurring operating income76A€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€9k▼
Other operating charges640/8€402€791▲
Gross operating margin9900€9k€9k▼
Operating profit (loss)9901€-71€-553▼
Financial income75/76B€2k€821▼
Recurring financial income75€2k€821▼
Financial charges65/66B€159€65▼
Recurring financial charges65€159€65▼
Profit (loss) for the period before taxes9903€2k€202▼
Income taxes67/77€803€441▼
Profit (loss) for the period9904€1k€-239▼
Profit (loss) for the period to be appropriated9905€1k€-239▼
Appropriation of the result
Profit (loss) to be appropriated9906€1k€-239▼
Transfer from equity791/2€435€239▼
Transfer to equity691/2€2k€0▼
To other reserves6921€2k€0▼
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
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity times 8current ratio 34.27
Current ratio from 4.36 to 34.27; short-term debt falls from €27k to €3k.
09-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
14-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 14 days late
2023
31-12
Financial
Highest result since 2018net €64k ▲47.1%
Operating result €88k, net result €64k, both a record.
31-12
Financial
Equity above €100kEq €108k ▲145%
2 profitable years in a row build equity to €108k.
09-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 9 days late
2022
31-12
Financial
Back to profitnet €43k
Net result €43k after one loss-making year.
25-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity times 7current ratio 79.90
Current ratio from 12.19 to 79.90; short-term debt falls from €1k to €151.
23-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 23 days late
2020
21-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 21 days late
2019
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
2018
23-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 23 days late
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 28 days late
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, Diepenbeek · 1 establishment unit since 2012
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.
Keizel 383590 DiepenbeekGround area
974 m²
Building footprint
139 m²
Volume, LiDAR
961 m³
Parcel 71403H0094/00Y000, Flanders · tallest building 9.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Keizel 38, 3590 Diepenbeek
since 20122.205.636.775
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71403H0094/00Y000 | Flanders | 974 m² | 1 · 139 m² | 9.9 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.
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,747. 12,505 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-12-2011
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
68204Real estate activities
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.