''Cédric Massoz'' 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 €399k and a net result of €81k. Equity is growing by ~20.7% per year across the filed fiscal years. Its solvency ranks better than 89% of 1471 sector peers (fiscal year 2025). The company has been active since 2015 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 14-07-2026, 17 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
17 d early
2024
22 d late
2023
2 d early
2022
4 d early
2021
26 d late
2020
30 d late
2019
27 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€399k▲ 10.2%
2024 · €362k
2018: €92k
2019: €145k
2020: €190k
2021: €238k
2022: €189k
2023: €329k
2024: €362k
2018 → 2025
Net result
€81k▲ 149%
2024 · €33k
2018: €28k
2019: €52k
2020: €45k
2021: €48k
2022: €41k
2023: €140k
2024: €33k
2018 → 2025
Total assets
€457k▲ 21.8%
2024 · €375k
2018: €344k
2019: €342k
2020: €349k
2021: €365k
2022: €367k
2023: €396k
2024: €375k
2018 → 2025
Solvency
87.3%▼ 9.2pp
2024 · 96.5%
2018: 26.9%
2019: 42.3%
2020: 54.3%
2021: 65.2%
2022: 51.6%
2023: 83.3%
2024: 96.5%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€238k-€189k▼ 20.5%€329k▲ 74.1%€362k▲ 9.9%€399k▲ 10.2%
Operating result€74k-€64k▼ 13.3%€57k▼ 10.3%€50k▼ 12.2%€55k▲ 9.2%
Net result€48k-€41k▼ 14.5%€140k▲ 240%€33k▼ 76.8%€81k▲ 149%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 9% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €457k
Fixed assets
€341k▼ 1.2%
Current assets
€116k▲ 283%
Equity and liabilities €457k
Equity
€399k▲ 10.2%
Debt
€58k▲ 338%
The debt ratio rises from 3.5% to 12.7%. Equity and debt are higher.
Key figures and ratios
Solvency
87.3%▼
2024 · 96.5%
ROE
20.3%▲
2024 · 9.0%
ROA
17.7%▲
2024 · 8.7%
Debt
€58k▲
2024 · €13k
Debt ≤ 1 year
€58k▲
2024 · €13k
Income taxes
€24k▲
2024 · €17k
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€375k€457k▲
Fixed assets21/28€345k€341k▼
Tangible fixed assets22/27€15k€11k▼
Plant, machinery and equipment23€7k€6k▼
Furniture and vehicles24€7k€5k▼
Financial fixed assets28€330k€330k=
Current assets29/58€30k€116k▲
Amounts receivable within one year40/41€1k€1k=
Other amounts receivable41€1k€1k=
Cash at bank and in hand54/58€25k€109k▲
Deferred charges and accrued income490/1€4k€6k▲
Equity and liabilities
Total equity and liabilities10/49€375k€457k▲
Equity10/15€362k€399k▲
Contributions10/11€6k€6k=
Reserves13€308k€344k▲
Distributable reserves133€308k€344k▲
Profit (loss) carried forward14€48k€49k▲
Amounts payable17/49€13k€58k▲
Amounts payable within one year42/48€13k€58k▲
Current portion of amounts payable after more than one year42€12k-
Trade debts44-€3k
Suppliers440/4-€3k
Taxes, remuneration and social security45-€8k
Taxes450/3-€8k
Other amounts payable47/48€1k€47k▲
Income statement
Code20242025
Non-recurring operating income76A-€494
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k▼
Other operating charges640/8€59€412▲
Non-recurring operating charges66A-€382
Gross operating margin9900€56k€61k▲
Operating profit (loss)9901€50k€55k▲
Financial income75/76B€133€50k▲
Recurring financial income75€133€50k▲
Financial charges65/66B€1k€492▼
Recurring financial charges65€1k€492▼
Profit (loss) for the period before taxes9903€49k€105k▲
Income taxes67/77€17k€24k▲
Profit (loss) for the period9904€33k€81k▲
Profit (loss) for the period to be appropriated9905€33k€81k▲
Appropriation of the result
Profit (loss) to be appropriated9906€81k€129k▲
Profit (loss) brought forward from the previous period14P€48k€48k▲
Transfer from equity791/2-€44k
Transfer to equity691/2€33k€81k▲
To other reserves6921€33k€81k▲
Profit to be distributed694/7-€44k
Return on contributions (dividend)694-€44k
The notes to these accounts (10 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
14-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
22-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 22 days late
2024
31-12
Financial
Liquidity doublescurrent ratio 2.30
Current ratio from 1.06 to 2.30; short-term debt falls from €54k to €13k.
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Highest result since 2018net €140k ▲240%
Net result €140k, the highest in the series.
31-12
Financial
Liquidity times 5current ratio 1.06
Current ratio from 0.22 to 1.06; short-term debt falls from €129k to €54k.
31-12
Financial
Equity above €200kEq €329k ▲74.1%
6 profitable years in a row build equity to €329k.
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 26 days late
2021
31-12
Financial
Equity above €200kEq €238k ▲25.4%
4 profitable years in a row build equity to €238k.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 30 days late
2020
31-12
Financial
Equity above €150kEq €190k ▲31.1%
3 profitable years in a row build equity to €190k.
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 27 days late
2019
31-12
Financial
Equity above €100kEq €145k ▲56.6%
2 profitable years in a row build equity to €145k.
02-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
24-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 24 days late
2017
24-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 24 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, Durbuy · 1 establishment unit since 2015
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.
Rue de Givet (Petithan) 76940 DurbuyGround area
1,084 m²
Building footprint
106 m²
Parcel 83016B1081/00C000, Wallonia. Linked by address, not a title deed.
1 establishment unit
"Cédric Massoz"
since 20152.239.329.825
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 83016B1081/00C000 | Wallonia | 1,084 m² | 1 · 106 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.
Similar companies · same sector, comparable size
VERZEKERINGEN CUYVERS
BE 0439.613.995
Mol · Eq €400k
ASSURIM CONSEIL
BE 0809.487.368
Waremme · Eq €400k
NATEL
BE 0446.528.117
Denderleeuw · Eq €400k
TAC. CONSULTING
BE 0475.243.580
Kampenhout · Eq €398k
Barbé-Borloo
BE 0464.601.294
Liedekerke · Eq €398k
Of 4,682 companies in sector 66220 we hold annual accounts for 3,227. 2,672 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-02-2015
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:cedric.massoz@jorismassoz.be