CHC 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 €378k and a net result of €185k. Equity is growing by ~48.1% per year across the filed fiscal years. Its solvency ranks better than 59% of 7994 sector peers (fiscal year 2025). The company has been active since 2019 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 30-07-2026, 1 day ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
1 d early
2024
18 d late
2023
61 d late
2022
31 d late
2021
16 d late
2020
2 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€378k=
2024 · €378k
2020: €29k
2021: €105k
2022: €145k
2023: €145k
2024: €378k
2020 → 2025
Net result
€185k▼ 35.8%
2024 · €289k
2020: €40k
2021: €103k
2022: €89k
2023: €2
2024: €289k
2020 → 2025
Total assets
€609k▲ 26.9%
2024 · €480k
2020: €89k
2021: €209k
2022: €260k
2023: €205k
2024: €480k
2020 → 2025
Solvency
62.1%▼ 16.7pp
2024 · 78.8%
2020: 33.1%
2021: 50.3%
2022: 55.7%
2023: 70.8%
2024: 78.8%
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€105k-€145k▲ 37.4%€145k=€378k▲ 161%€378k=
Operating result€130k-€99k▼ 23.8%€713▼ 99.3%€2k▲ 196%€29k▲ 1,266%
Net result€103k-€89k▼ 13.2%€2▼ 100.0%€289k▲ 14,448,350%€185k▼ 35.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 1,266% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €609k
Fixed assets
€2k▼ 48.0%
Current assets
€607k▲ 27.4%
Equity and liabilities €609k
Equity
€378k=
Debt
€231k▲ 127%
The debt ratio rises from 21.2% to 37.9%. Debt is higher.
Key figures and ratios
Solvency
62.1%▼
2024 · 78.8%
ROE
49.1%▼
2024 · 76.5%
ROA
30.5%▼
2024 · 60.3%
Debt
€231k▲
2024 · €102k
Debt ≤ 1 year
€231k▲
2024 · €102k
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€480k€609k▲
Fixed assets21/28€3k€2k▼
Tangible fixed assets22/27-€2k
Plant, machinery and equipment23-€2k
Financial fixed assets28€3k€1▼
Current assets29/58€476k€607k▲
Amounts receivable within one year40/41€284k€507k▲
Trade receivables40€66k€37k▼
Other amounts receivable41€218k€469k▲
Cash at bank and in hand54/58€192k€100k▼
Equity and liabilities
Total equity and liabilities10/49€480k€609k▲
Equity10/15€378k€378k=
Contributions10/11€10k€10k=
Reserves13€368k€368k=
Distributable reserves133€368k€368k=
Profit (loss) carried forward14€2€2=
Amounts payable17/49€102k€231k▲
Amounts payable within one year42/48€102k€231k▲
Trade debts44-€475
Suppliers440/4-€475
Taxes, remuneration and social security45€45k€45k▼
Taxes450/3€45k€45k▼
Other amounts payable47/48€56k€185k▲
Income statement
Code20242025
Remuneration, social security and pensions62€30k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€277
Other operating charges640/8€27k€1k▼
Gross operating margin9900€59k€30k▼
Operating profit (loss)9901€2k€29k▲
Financial income75/76B€333k€159k▼
Recurring financial income75€250k€159k▼
Non-recurring financial income76B€83k-
Financial charges65/66B€265€2k▲
Recurring financial charges65€265€2k▲
Profit (loss) for the period before taxes9903€334k€185k▼
Income taxes67/77€45k-
Profit (loss) for the period9904€289k€185k▼
Profit (loss) for the period to be appropriated9905€289k€185k▼
Appropriation of the result
Profit (loss) to be appropriated9906€289k€185k▼
Profit (loss) brought forward from the previous period14P€2€2=
Transfer to equity691/2€233k-
To other reserves6921€233k-
Profit to be distributed694/7€56k€185k▲
Return on contributions (dividend)694-€129k
Directors or managers695€56k€56k=
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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
18-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 18 days late
2024
31-12
Financial
Highest result since 2020net €289k ▲14448350%
Net result €289k, the highest in the series.
31-12
Financial
Equity above €200kEq €378k ▲161%
5 profitable years in a row build equity to €378k.
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
31-12
Financial
Weakest financial yearnet €2 ▼100%
Net result drops to €2, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
16-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 16 days late
2021
31-12
Financial
Liquidity triplescurrent ratio 1.19
Current ratio from 0.35 to 1.19.
31-12
Financial
Equity above €100kEq €105k ▲259%
2 profitable years in a row build equity to €105k.
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro 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, Antwerpen · 1 establishment unit since 2021
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.
Frankrijklei 5 20062000 AntwerpenGround area
2,975 m²
Building footprint
2,664 m²
Volume, LiDAR
106,871 m³
Parcel 11808H1294/00A000, Flanders · tallest building 93.2 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
CHC
since 20212.321.227.618
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11808H1294/00A000 ProtectedMonument · Townscape or village viewSite Vlaamse Opera, schermenmagazijn en hotel WagnerSource ↗ |
Flanders | 2,975 m² | 1 · 2,664 m² | 93.2 m · 7 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,754. 13,768 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-10-2019
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.