CHRIMILCON 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 €11.17M and a net result of €52k. Equity remains stable across the filed fiscal years (±0.5% per year). Its solvency ranks better than 48% of 5521 sector peers (fiscal year 2025). The company has been active since 1987 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 24-07-2026, 7 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
7 d early
2024
14 d early
2023
1 d early
2022
41 d early
2021
2 d early
2020
on the day
2019
40 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€11.17M▲ 0.5%
2024 · €11.12M
2019: €10.41M
2020: €11.58M
2021: €11.51M
2022: €13.48M
2023: €13.40M
2024: €11.12M
2019 → 2025
Net result
€52k▼ 92.7%
2024 · €718k
2019: €7.02M
2020: €1.17M
2021: €454k
2022: €1.97M
2023: €789k
2024: €718k
2019 → 2025
Total assets
€22.83M▲ 11.8%
2024 · €20.42M
2019: €21.74M
2020: €20.68M
2021: €18.86M
2022: €19.24M
2023: €18.96M
2024: €20.42M
2019 → 2025
Solvency
48.9%▼ 5.5pp
2024 · 54.5%
2019: 47.9%
2020: 56.0%
2021: 61.0%
2022: 70.1%
2023: 70.7%
2024: 54.5%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€11.51M-€13.48M▲ 17.1%€13.40M▼ 0.6%€11.12M▼ 17.0%€11.17M▲ 0.5%
Operating result€492k-€2.63M▲ 434%€976k▼ 62.8%€999k▲ 2.4%€344k▼ 65.6%
Net result€454k-€1.97M▲ 334%€789k▼ 59.9%€718k▼ 8.9%€52k▼ 92.7%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 66% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €22.83M
Fixed assets
€11.04M▲ 24.7%
Current assets
€11.79M▲ 2.0%
Equity and liabilities €22.83M
Equity
€11.17M▲ 0.5%
Provisions
€222k▲ 32.0%
Debt
€11.44M▲ 25.3%
The debt ratio rises from 44.7% to 50.1%. Equity and debt are higher.
Key figures and ratios
Solvency
48.9%▼
2024 · 54.5%
ROE
0.5%▼
2024 · 6.5%
ROA
0.2%▼
2024 · 3.5%
Debt
€11.44M▲
2024 · €9.13M
Debt ≤ 1 year
€780k▼
2024 · €3.55M
Debt > 1 year
€10.58M▲
2024 · €5.58M
Income taxes
€0▼
2024 · €180k
Staff costs
€28k▼
2024 · €80k
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€20.42M€22.83M▲
Fixed assets21/28€8.86M€11.04M▲
Tangible fixed assets22/27€3.75M€6.19M▲
Land and buildings22€3.75M€6.04M▲
Plant, machinery and equipment23-€140k
Furniture and vehicles24€2k€7k▲
Financial fixed assets28€5.11M€4.86M▼
Current assets29/58€11.56M€11.79M▲
Amounts receivable after more than one year29€5.29M€6.11M▲
Other amounts receivable291€5.29M€6.11M▲
Stocks and contracts in progress3€993k€1.01M▲
Stocks30/36€993k€1.01M▲
Amounts receivable within one year40/41€120k€277k▲
Trade receivables40€17k€133k▲
Other amounts receivable41€103k€143k▲
Current investments50/53€4.63M€3.82M▼
Cash at bank and in hand54/58€509k€555k▲
Deferred charges and accrued income490/1€20k€21k▲
Equity and liabilities
Total equity and liabilities10/49€20.42M€22.83M▲
Equity10/15€11.12M€11.17M▲
Contributions10/11€468k€468k=
Reserves13€10.65M€10.70M▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Tax-exempt reserves132€399k€563k▲
Distributable reserves133€10.25M€10.14M▼
Profit (loss) carried forward14€0€0=
Provisions and deferred taxes16€168k€222k▲
Deferred taxes168€168k€222k▲
Amounts payable17/49€9.13M€11.44M▲
Amounts payable after more than one year17€5.58M€10.58M▲
Financial debts170/4€2.76M€5.77M▲
Other amounts payable178/9€2.82M€4.81M▲
Amounts payable within one year42/48€3.55M€780k▼
Current portion of amounts payable after more than one year42€599k€711k▲
Trade debts44€86k€41k▼
Suppliers440/4€86k€41k▼
Advances received on contracts in progress46€0-
Taxes, remuneration and social security45€12k€29k▲
Taxes450/3€5k€29k▲
Remuneration and social security454/9€8k€0▼
Other amounts payable47/48€2.85M€0▼
Accrued charges and deferred income492/3€5k€83k▲
Income statement
Code20242025
Non-recurring operating income76A-€5k
Remuneration, social security and pensions62€80k€28k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€153k€218k▲
Other operating charges640/8€18k€16k▼
Non-recurring operating charges66A-€4k
Gross operating margin9900€1.25M€610k▼
Operating profit (loss)9901€999k€344k▼
Financial income75/76B€338k€138k▼
Recurring financial income75€338k€138k▼
Financial charges65/66B€347k€376k▲
Recurring financial charges65€347k€376k▲
Profit (loss) for the period before taxes9903€991k€106k▼
Transfer from deferred taxes780€5k€8k▲
Transfer to deferred taxes680€97k€62k▼
Income taxes67/77€180k€0▼
Profit (loss) for the period9904€718k€52k▼
Transfer from tax-exempt reserves789€12k€23k▲
Transfer to tax-exempt reserves689€292k€187k▼
Profit (loss) for the period to be appropriated9905€438k€-111k▼
Appropriation of the result
Profit (loss) to be appropriated9906€438k€-111k▼
Transfer from equity791/2€3.00M€111k▼
Transfer to equity691/2€438k€0▼
To other reserves6921€438k€0▼
Profit to be distributed694/7€3.00M€0▼
Return on contributions (dividend)694€3.00M€0▼
Social balance
Average headcount (FTE)90870.70.8▲
The notes to these accounts (27 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
24-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €52k ▼92.7%
Net result drops to €52k, the lowest in the series.
31-12
Financial
Liquidity times 5current ratio 15.11
Current ratio from 3.26 to 15.11; short-term debt falls from €3.55M to €780k.
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
29-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
20-03
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
28-04
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
21-08
State Gazette act
General meeting · Statutes amendment
Capital · Corporate purpose
09-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 40 days late
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 1 day late
2017
11-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 12 days late
2016
30-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 31 days late
2011
13-04
State Gazette act
General meeting · Director resignation
Director appointment · Board composition
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
15 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, Brugge · 1 establishment unit since 1988
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.
Baron Ruzettelaan 2948310 BruggeGround area
2,494 m²
Building footprint
429 m²
Volume, LiDAR
693 m³
Parcel 31434C0515/00E008, Flanders · tallest building 11.3 m. Linked by address, not a title deed.
1 establishment unit
Baron Ruzettelaan 294A, 8310 Brugge
since 19882.033.122.176
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31434C0515/00E008 | Flanders | 2,494 m² | 1 · 429 m² | 11.2 m |
Linked by address, not proof of ownership
Methodology
via establishment units: 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
1 connected companyNetwork connections
Shared director
→
Ownership & control
1 partyCHRIMILCONBE 0432.820.928
controls
Where this company holds controlthis company sits on their board1
1 location
Public money · subsidies and aid
Flemish government
2022 to 2023 · 2 entries · 625 EUR awarded · 625 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 250 EUR | 250 EUR |
| 2022 | 1 | 375 EUR | 375 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
967600B3EGU8OTURCM85
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,760. 5,727 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-12-1987
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70100Activities of head offices
Sources
Crossroads Bank for EnterprisesNational Bank · 36 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.