Summary
CARAFINANCE 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 €1.84M and a net result of €169k. Equity is growing by ~3.1% per year across the filed fiscal years. Its solvency ranks better than 50% of 2394 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 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
8 d early
2023
35 d early
2022
11 d early
2021
10 d early
2020
25 d late
2019
14 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, full schema
Equity
€1.84M▲ 10.1%
2024 · €1.68M
2019: €1.50M
2020: €1.48M
2021: €1.53M
2022: €1.52M
2023: €1.52M
2024: €1.68M
2019 → 2025
Net result
€169k▲ 6.6%
2024 · €158k
2019: €-3.06M
2020: €-23k
2021: €47k
2022: €-4k
2023: €-7k
2024: €158k
2019 → 2025
Total assets
€3.00M▲ 0.1%
2024 · €3.00M
2019: €3.08M
2020: €3.00M
2021: €3.00M
2022: €3.00M
2023: €3.00M
2024: €3.00M
2019 → 2025
Solvency
61.4%▲ 5.6pp
2024 · 55.8%
2019: 48.9%
2020: 49.3%
2021: 50.9%
2022: 50.8%
2023: 50.5%
2024: 55.8%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.53M-€1.52M▼ 0.3%€1.52M▼ 0.4%€1.68M▲ 10.4%€1.84M▲ 10.1%
Operating result€-1k-€-1k▲ 27.3%€1k€-4k€-3k▲ 33.4%
Net result€47k-€-4k€-7k▼ 74.4%€158k€169k▲ 6.6%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €3k in 2025 against €4k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.00M
Fixed assets
€3.00M =
Current assets
€4k ▲ 164%
Equity and liabilities €3.00M
Equity
€1.84M ▲ 10.1%
Debt
€1.16M ▼ 12.5%
Debt's share of the balance-sheet total falls from 44.2% to 38.6%. Equity is higher and debt is lower.
Key figures and ratios
ROE
9.2%▼
2024 · 9.5%
ROA
5.6%▲
2024 · 5.3%
Debt ≤ 1 year
€176k▼
2024 · €340k
Debt > 1 year
€965k=
2024 · €965k
Income taxes
€0▼
2024 · €0
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€3.00M€3.00M▲
Fixed assets21/28€3.00M€3.00M=
Financial fixed assets28€3.00M€3.00M=
Current assets29/58€2k€4k▲
Amounts receivable within one year40/41-€4k
Other amounts receivable41-€4k
Cash at bank and in hand54/58€2k€22▼
Equity and liabilities
Total equity and liabilities10/49€3.00M€3.00M▲
Equity10/15€1.68M€1.84M▲
Contributions10/11€3.40M€3.40M=
Capital10€3.40M€3.40M=
Issued capital100€3.40M€3.40M=
Reserves13€190k€190k=
Non-distributable reserves130/1€190k€190k=
Legal reserve130€190k€190k=
Profit (loss) carried forward14€-1.91M€-1.74M▲
Amounts payable17/49€1.33M€1.16M▼
Amounts payable after more than one year17€965k€965k=
Other amounts payable178/9€965k€965k=
Amounts payable within one year42/48€340k€176k▼
Current portion of amounts payable after more than one year42€250k€175k▼
Financial debts43-€6
Credit institutions430/8-€6
Other amounts payable47/48€90k€1k▼
Accrued charges and deferred income492/3€21k€18k▼
Income statement
Code20242025
Other operating charges640/8€960€968▲
Gross operating margin9900€-3k€-2k▲
Operating profit (loss)9901€-4k€-3k▲
Financial income75/76B€175k€183k▲
Recurring financial income75€175k€183k▲
Financial charges65/66B€12k€11k▼
Recurring financial charges65€12k€11k▼
Profit (loss) for the period before taxes9903€158k€169k▲
Income taxes67/77€0€0▼
Profit (loss) for the period9904€158k€169k▲
Profit (loss) for the period to be appropriated9905€158k€169k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-1.91M€-1.74M▲
Profit (loss) brought forward from the previous period14P€-2.07M€-1.91M▲
The notes to these accounts (3 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
State Gazette act
Reappointments: Jean-Michel d'Oultremont, Lorraine le Maistre d'Anstaing and PEAC ManagementPermanent representative: Jean-Luc Dubois7 facts ▸
State Gazette act
Reappointments: Jean-Michel d'Oultremont, Lorraine le Maistre d'Anstaing and PEAC Management
Permanent representative: Jean-Luc Dubois7 facts ▸
- General meeting, 17/11/2025
- Director reappointment, Jean-Michel d'Oultremont (director)
- Director reappointment, Lorraine le Maistre d'Anstaing (director)
- Director reappointment, PEAC Management (director)
- Director reappointment, Jean-Michel d'Oultremont (managing director)
- Director reappointment, PEAC Management (managing director)
- Permanent representative, Jean-Luc Dubois
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
30-06
Financial
Highest result since 2019net €169k ▲6.6%
Net result €169k, the highest in the series.
23-01
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
30-06
Financial
Back to profitnet €158k
Net result €158k after 2 loss-making years.
2023
27-12
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
20-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
21-01
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
30-06
Financial
Back to profitnet €47k
Net result €47k after 2 loss-making years.
25-02
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 25 days late
2020
17-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
18-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
19-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
13-01
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 6 acts read
About the unread acts
Of the 6 Belgian State Gazette acts we know for this company, 1 has been read. The other 5 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
under verification
This board is reconstructed from a single act (26104962). A Gazette act generally publishes only CHANGES, not a full roll call, so directors unchanged since then may be missing here. The KBO register holds the complete list of function holders.
Jean-Michel d'Oultremont
CurrentDirector
Lorraine le Maistre d'Anstaing
CurrentDirector
PEAC Management
CurrentDirector · Legal entity · perm. rep.: Jean-Luc Dubois
Not every act has been read: a resignation may be missing here
5 of this company's 6 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Schaarbeek · 1 establishment unit since 2009
Ground area
8,516 m²
Building footprint
5,103 m²
Volume, LiDAR
83,434 m³
Parcel 21911C0112/00W002, Brussels · tallest building 27.7 m, ±6 floors. Linked by address, not a title deed.
11
companies at this address
See who is registered here
1 establishment unit
Jacques Georginlaan 2, 1030 Schaarbeek
since 20092.177.757.490
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21911C0112/00W002 | Brussels | 8,516 m² | 1 · 5,103 m² | 27.7 m · 6 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 24,727 companies in sector 64210 we hold annual accounts for 19,764. 11,152 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 formPublic limited company
Founded22-11-2007
Fiscal year end30-06
Activities, NACEBEL 2025
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesBelgian Official Gazette · 1 actNational Bank · 17 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.