CBO Beheer 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 €88k and a net result of €272k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 14% of 5527 sector peers (fiscal year 2025). The company has been active since 2017 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.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 14% of 5527 sector peers (2025).
NBB · sector comparisonPosition among 5527 sector peers
Solvency
better than 14%
← weakest
strongest →
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 · 8 filingsDeviation from the deadline
2025
9 d early
2024
on the day
2023
26 d late
2022
6 d early
2021
30 d late
2020
16 d early
2019
14 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, abbreviated schema
Equity
€88k▼ 24.4%
2024 · €116k
2018: €136k
2019: €362k
2020: €585k
2021: €814k
2022: €20k
2023: €465k
2024: €116k
2018 → 2025
Net result
€272k▲ 23.2%
2024 · €221k
2018: €124k
2019: €220k
2020: €223k
2021: €349k
2022: €385k
2023: €444k
2024: €221k
2018 → 2025
Total assets
€794k▲ 5.1%
2024 · €755k
2018: €192k
2019: €558k
2020: €765k
2021: €1.12M
2022: €1.35M
2023: €683k
2024: €755k
2018 → 2025
Solvency
11.0%▼ 4.3pp
2024 · 15.4%
2018: 70.9%
2019: 64.9%
2020: 76.5%
2021: 72.7%
2022: 1.5%
2023: 68.1%
2024: 15.4%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€814k-€20k▼ 97.5%€465k▲ 2,171%€116k▼ 75.0%€88k▼ 24.4%
Operating result€462k-€507k▲ 9.8%€590k▲ 16.4%€290k▼ 50.9%€356k▲ 22.7%
Net result€349k-€385k▲ 10.5%€444k▲ 15.3%€221k▼ 50.4%€272k▲ 23.2%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 23% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €794k
Fixed assets
€35k=
Current assets
€759k▲ 5.4%
Equity and liabilities €794k
Equity
€88k▼ 24.4%
Debt
€706k▲ 10.5%
The debt ratio rises from 84.6% to 89.0%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
11.0%▼
2024 · 15.4%
ROE
310.0%▲
2024 · 190.2%
ROA
34.2%▲
2024 · 29.2%
Debt
€706k▲
2024 · €639k
Debt ≤ 1 year
€705k▲
2024 · €636k
Income taxes
€85k▲
2024 · €69k
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€755k€794k▲
Fixed assets21/28€35k€35k=
Financial fixed assets28€35k€35k=
Current assets29/58€720k€759k▲
Amounts receivable within one year40/41€40k€69k▲
Trade receivables40€31k€32k▲
Other amounts receivable41€9k€37k▲
Cash at bank and in hand54/58€680k€689k▲
Equity and liabilities
Total equity and liabilities10/49€755k€794k▲
Equity10/15€116k€88k▼
Contributions10/11€20k€19k▼
Reserves13-€69k
Distributable reserves133-€69k
Profit (loss) carried forward14€96k€0▼
Amounts payable17/49€639k€706k▲
Amounts payable within one year42/48€636k€705k▲
Trade debts44€3k€2k▼
Suppliers440/4€3k€2k▼
Taxes, remuneration and social security45€30k€30k▼
Taxes450/3€28k€30k▲
Remuneration and social security454/9€2k€0▼
Other amounts payable47/48€603k€674k▲
Accrued charges and deferred income492/3€3k€1k▼
Income statement
Code20242025
Non-recurring operating income76A€0-
Other operating charges640/8€1k€849▼
Gross operating margin9900€291k€357k▲
Operating profit (loss)9901€290k€356k▲
Financial income75/76B€0€1k▲
Recurring financial income75€0€1k▲
Financial charges65/66B€226€205▼
Recurring financial charges65€226€205▼
Profit (loss) for the period before taxes9903€290k€357k▲
Income taxes67/77€69k€85k▲
Profit (loss) for the period9904€221k€272k▲
Profit (loss) for the period to be appropriated9905€221k€272k▲
Appropriation of the result
Profit (loss) to be appropriated9906€665k€367k▼
Profit (loss) brought forward from the previous period14P€444k€96k▼
Transfer to equity691/2-€67k
To other reserves6921-€67k
Profit to be distributed694/7€569k€300k▼
Return on contributions (dividend)694€569k€300k▼
Social balance
Average headcount (FTE)90870.0-
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
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 26 days late
2023
31-12
Financial
Highest result since 2018net €444k ▲15.3%
Operating result €590k, net result €444k, both a record.
31-12
Financial
Liquidity quadruplescurrent ratio 3.17
Current ratio from 0.76 to 3.17; short-term debt falls from €1.33M to €216k.
31-12
Financial
Equity above €200kEq €465k ▲2171%
6 profitable years in a row build equity to €465k.
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 30 days late
2021
15-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Equity above €500kEq €585k ▲61.7%
3 profitable years in a row build equity to €585k.
17-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Equity above €200kEq €362k ▲166%
2 profitable years in a row build equity to €362k.
17-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Balen · 1 establishment unit since 2017
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.
Kerkhoven 12490 BalenGround area
9,923 m²
Building footprint
281 m²
Volume, LiDAR
1,471 m³
Parcel 13342C1133/00P000, Flanders · tallest building 8.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Kerkhoven 1, 2490 Balen
since 20172.265.518.340
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13342C1133/00P000 | Flanders | 9,923 m² | 1 · 280 m² | 8.3 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 24,728 companies in sector 64210 we hold annual accounts for 19,764. 12,007 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-06-2017
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.