CATOLE 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 €9.20M and a net result of €87k. Equity remains stable across the filed fiscal years (±1% per year). Its solvency ranks better than 95% of 8024 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
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €9.20M
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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
57 d early
2023
47 d early
2022
63 d early
2021
62 d early
2020
34 d early
2019
16 d early
← 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€9.20M▲ 0.4%
2024 · €9.16M
2019: €8.36M
2020: €8.43M
2021: €8.92M
2022: €8.44M
2023: €8.23M
2024: €9.16M
2019 → 2025
Net result
€87k▼ 91.1%
2024 · €977k
2019: €466k
2020: €74k
2021: €488k
2022: €19k
2023: €648k
2024: €977k
2019 → 2025
Total assets
€9.28M▲ 0.1%
2024 · €9.27M
2019: €8.44M
2020: €8.48M
2021: €8.99M
2022: €8.46M
2023: €8.31M
2024: €9.27M
2019 → 2025
Solvency
99.1%▲ 0.3pp
2024 · 98.8%
2019: 99.1%
2020: 99.4%
2021: 99.2%
2022: 99.8%
2023: 99.0%
2024: 98.8%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€8.92M-€8.44M▼ 5.4%€8.23M▼ 2.4%€9.16M▲ 11.3%€9.20M▲ 0.4%
Operating result€34k-€35k▲ 2.1%€45k▲ 27.7%€58k▲ 29.0%€122k▲ 111%
Net result€488k-€19k▼ 96.1%€648k▲ 3,266%€977k▲ 50.8%€87k▼ 91.1%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 111% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €9.28M
Fixed assets
€8.63M▼ 0.3%
Current assets
€654k▲ 5.5%
Equity and liabilities €9.28M
Equity
€9.20M▲ 0.4%
Debt
€82k▼ 25.9%
The debt ratio falls from 1.2% to 0.9%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
99.1%▲
2024 · 98.8%
ROE
0.9%▼
2024 · 10.7%
ROA
0.9%▼
2024 · 10.5%
Debt
€82k▼
2024 · €110k
Debt ≤ 1 year
€82k▼
2024 · €110k
Income taxes
€40k▼
2024 · €114k
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€9.27M€9.28M▲
Fixed assets21/28€8.65M€8.63M▼
Tangible fixed assets22/27€145k€116k▼
Furniture and vehicles24€145k€116k▼
Financial fixed assets28€8.51M€8.51M=
Current assets29/58€620k€654k▲
Amounts receivable within one year40/41€250k€22k▼
Trade receivables40€18k€19k▲
Other amounts receivable41€232k€3k▼
Current investments50/53€320k€315k▼
Cash at bank and in hand54/58€50k€317k▲
Equity and liabilities
Total equity and liabilities10/49€9.27M€9.28M▲
Equity10/15€9.16M€9.20M▲
Contributions10/11€6.27M€6.27M=
Outside capital11€6.27M-
Other1109/19€6.27M-
Reserves13€2.89M€2.92M▲
Non-distributable reserves130/1€170k€170k=
Reserves not available under the articles1311€170k€170k=
Distributable reserves133€2.72M€2.75M▲
Amounts payable17/49€110k€82k▼
Amounts payable within one year42/48€110k€82k▼
Trade debts44€3k€2k▼
Suppliers440/4€3k€2k▼
Taxes, remuneration and social security45€107k€80k▼
Taxes450/3€107k€80k▼
Income statement
Code20242025
Non-recurring operating income76A€2k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€29k€29k=
Other operating charges640/8€1k€2k▲
Gross operating margin9900€88k€152k▲
Operating profit (loss)9901€58k€122k▲
Financial income75/76B€1.03M€10k▼
Recurring financial income75€1.03M€10k▼
Financial charges65/66B€51€6k▲
Recurring financial charges65€51€6k▲
Profit (loss) for the period before taxes9903€1.09M€127k▼
Income taxes67/77€114k€40k▼
Profit (loss) for the period9904€977k€87k▼
Profit (loss) for the period to be appropriated9905€977k€87k▼
Appropriation of the result
Profit (loss) to be appropriated9906€977k€87k▼
Transfer from equity791/2-€53k
Transfer to equity691/2€977k€87k▼
To the legal reserve6920€49k-
To other reserves6921€928k€87k▼
Profit to be distributed694/7-€53k
Return on contributions (dividend)694-€53k
The notes to these accounts (8 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
14-09
State Gazette act
Capital & shares · Statutes amendment · MiscellaneousGeneral meeting · Capital increase · Statutes amendment3 facts ▸
State Gazette act
Capital & shares · Statutes amendment · Miscellaneous
General meeting · Capital increase · Statutes amendment3 facts ▸
- General meeting, 2026-09-02
- Capital increase, €5.871.033,07
- Statutes amendment
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
04-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2019net €977k ▲50.8%
Net result €977k, the highest in the series.
31-12
Financial
Liquidity quadruplescurrent ratio 5.61
Current ratio from 1.46 to 5.61.
14-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2022
29-11
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
30-06
Financial
Weakest financial yearnet €19k ▼96.1%
Net result drops to €19k, the lowest in the series; recovery starts the following year.
2021
30-11
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2020
28-12
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
15-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
09-11
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
02-11
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
30-11
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 7 acts read
About the unread acts
Of the 7 Belgian State Gazette acts we know for this company, 1 has been read. The other 6 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
7 acts for this company are in the Belgian State Gazette, of which we have read 1. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Hasselt · 1 establishment unit since 2011
Ground area
4,594 m²
Building footprint
3,145 m²
Parcel 71328D0220/00F003, Flanders. Linked by address, not a title deed.
1 establishment unit
Catole BVBA
since 20112.209.679.202
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71328D0220/00F003 | Flanders | 4,594 m² | 1 · 3,145 m² | - |
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.
Structure & network
Connections & network
3 connected companiesNetwork connections
Shared director
→
Shared director
→
Shared director
→
Ownership & control
4 partiesCATOLEBE 0841.332.666
controls
Where this company holds controlthis company sits on their board4
Capital and shareholders
Capital increase of 5,871,033.07 EUR
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,764. 6,278 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-11-2011
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesBelgian Official Gazette · 1 actNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.