Summary
CAIRN 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 €553k and a net result of €16k. Equity is growing by ~8.9% per year across the filed fiscal years. Its solvency ranks better than 95% of 2435 sector peers (fiscal year 2025). The company has been active since 2007 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 check 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 31-12-2025 was due by 31-07-2026 and was filed on 01-07-2026, 30 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
30 d early
2024
18 d late
2023
7 d early
2022
24 d late
2021
16 d late
2020
31 d early
2019
87 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€553k▲ 3.0%
2024 · €537k
2018: €292k
2019: €332k
2020: €359k
2021: €420k
2022: €456k
2023: €474k
2024: €537k
2018 → 2025
Net result
€16k▼ 74.5%
2024 · €63k
2018: €18k
2019: €40k
2020: €28k
2021: €61k
2022: €36k
2023: €18k
2024: €63k
2018 → 2025
Total assets
€579k▲ 1.9%
2024 · €568k
2018: €310k
2019: €359k
2020: €406k
2021: €453k
2022: €480k
2023: €503k
2024: €568k
2018 → 2025
Solvency
95.6%▲ 1.0pp
2024 · 94.6%
2018: 94.0%
2019: 92.4%
2020: 88.4%
2021: 92.8%
2022: 95.1%
2023: 94.2%
2024: 94.6%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€420k-€456k▲ 8.6%€474k▲ 4.0%€537k▲ 13.3%€553k▲ 3.0%
Operating result€79k-€53k▼ 32.6%€26k▼ 50.2%€40k▲ 52.1%€22k▼ 46.2%
Net result€61k-€36k▼ 40.9%€18k▼ 49.6%€63k▲ 247%€16k▼ 74.5%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 46% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €579k
Equity
€553k ▲ 3.0%
Debt
€26k ▼ 16.4%
Debt's share of the balance-sheet total falls from 5.4% to 4.4%. Equity is higher and debt is lower.
Key figures and ratios
ROE
2.9%▼
2024 · 11.7%
ROA
2.8%▼
2024 · 11.1%
Debt ≤ 1 year
€721▲
2024 · €562
Income taxes
€6k▼
2024 · €27k
A ratio outside any meaningful range has been withheld (balance sheet total €579k, equity €553k).
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 · 38 lines
Balance sheet
Code20242025
Assets
Total assets20/58€568k€579k▲
Fixed assets21/28€10-
Tangible fixed assets22/27€10-
Furniture and vehicles24€10-
Current assets29/58€568k€579k▲
Amounts receivable within one year40/41€1k€3k▲
Other amounts receivable41€1k€3k▲
Current investments50/53€401k€401k=
Cash at bank and in hand54/58€77k€99k▲
Deferred charges and accrued income490/1€89k€76k▼
Equity and liabilities
Total equity and liabilities10/49€568k€579k▲
Equity10/15€537k€553k▲
Contributions10/11€100k€100k=
Reserves13€55k€55k=
Non-distributable reserves130/1€10k€10k=
Reserves not available under the articles1311€10k€10k=
Distributable reserves133€45k€45k=
Profit (loss) carried forward14€382k€398k▲
Amounts payable17/49€31k€26k▼
Amounts payable within one year42/48€562€721▲
Taxes, remuneration and social security45-€159
Taxes450/3-€159
Other amounts payable47/48€562€562=
Accrued charges and deferred income492/3€30k€25k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€112€10▼
Other operating charges640/8€1k€400▼
Gross operating margin9900€41k€22k▼
Operating profit (loss)9901€40k€22k▼
Financial income75/76B€53k€2k▼
Recurring financial income75€53k€2k▼
Financial charges65/66B€4k€2k▼
Recurring financial charges65€4k€2k▼
Profit (loss) for the period before taxes9903€90k€22k▼
Income taxes67/77€27k€6k▼
Profit (loss) for the period9904€63k€16k▼
Profit (loss) for the period to be appropriated9905€63k€16k▼
Appropriation of the result
Profit (loss) to be appropriated9906€382k€398k▲
Profit (loss) brought forward from the previous period14P€319k€382k▲
The notes to these accounts (6 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
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €16k ▼74.5%
Net result drops to €16k, the lowest in the series.
18-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 18 days late
2024
31-12
Financial
Highest result since 2018net €63k ▲247%
Net result €63k, the highest in the series.
31-12
Financial
Liquidity doublescurrent ratio 1010.59
Current ratio from 404.77 to 1010.59; short-term debt falls from €1k to €562.
31-12
Financial
Equity above €500kEq €537k ▲13.3%
7 profitable years in a row build equity to €537k.
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity triplescurrent ratio 404.77
Current ratio from 154.25 to 404.77; short-term debt falls from €3k to €1k.
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 24 days late
2022
16-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 16 days late
2021
31-12
Financial
Liquidity doublescurrent ratio 178.23
Current ratio from 82.24 to 178.23; short-term debt falls from €5k to €3k.
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
Show earlier events
2020
26-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 87 days late
2019
29-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 30 days late
2017
25-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 25 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Etterbeek · 1 establishment unit since 2007
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.
Tervurenlaan 801040 EtterbeekGround area
2,141 m²
Building footprint
974 m²
Volume, LiDAR
15,727 m³
2 parcels, Brussels · tallest building 25.2 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
Tervurenlaan 72, 1040 Etterbeek
since 20072.168.062.737
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21005A0589/00S004 | Brussels | 1,755 m² | 1 · 826 m² | 25.2 m · 6 fl. |
| 21005A0589/00T000 | Brussels | 386 m² | 1 · 148 m² | 18.8 m · 5 fl. |
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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Recognitions · licences · registrations
Legal Entity Identifier
894500UGFTI8VQBHWX42
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Of 1,681 companies in sector 66191 we hold annual accounts for 1,230. 992 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
Founded21-09-2007
Fiscal year end31-12
Activities, NACEBEL 2025
66191Agents and brokers in banking services
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.