Christophe Reiter 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 €160k and a net result of €67k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 26% of 7994 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
1819202122232425
2018 to 2025 · latest year €160k
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 · 10 filingsDeviation from the deadline
2025
1 d early
2024
10 d early
2023
12 d early
2022
30 d late
2021
29 d late
2020
61 d late
2019
100 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€160k▲ 41.4%
2024 · €113k
2018: €37k
2019: €41k
2020: €45k
2021: €36k
2022: €46k
2023: €45k
2024: €113k
2018 → 2025
Net result
€67k▼ 47.9%
2024 · €129k
2018: €102
2019: €3k
2020: €4k
2021: €13k
2022: €72k
2023: €57k
2024: €129k
2018 → 2025
Total assets
€755k▼ 5.9%
2024 · €802k
2018: €61k
2019: €59k
2020: €60k
2021: €765k
2022: €832k
2023: €747k
2024: €802k
2018 → 2025
Solvency
21.2%▲ 7.1pp
2024 · 14.1%
2018: 61.3%
2019: 69.1%
2020: 75.6%
2021: 4.7%
2022: 5.6%
2023: 6.0%
2024: 14.1%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€36k-€46k▲ 27.6%€45k▼ 2.8%€113k▲ 153%€160k▲ 41.4%
Operating result€22k-€104k▲ 376%€84k▼ 18.8%€183k▲ 118%€100k▼ 45.6%
Net result€13k-€72k▲ 439%€57k▼ 20.4%€129k▲ 124%€67k▼ 47.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 46% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €755k
Fixed assets
€491k▼ 14.2%
Current assets
€264k▲ 15.0%
Equity and liabilities €755k
Equity
€160k▲ 41.4%
Debt
€595k▼ 13.7%
The debt ratio falls from 85.9% to 78.8%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
21.2%▲
2024 · 14.1%
ROE
41.7%▼
2024 · 113.3%
ROA
8.9%▼
2024 · 16.0%
Debt
€595k▼
2024 · €689k
Debt ≤ 1 year
€125k▼
2024 · €153k
Debt > 1 year
€468k▼
2024 · €534k
Income taxes
€24k▼
2024 · €45k
Staff costs
€152k▲
2024 · €150k
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€802k€755k▼
Formation expenses20€363€113▼
Fixed assets21/28€573k€491k▼
Intangible fixed assets21€241k€205k▼
Tangible fixed assets22/27€332k€287k▼
Land and buildings22€220k€206k▼
Furniture and vehicles24€98k€60k▼
Other tangible fixed assets26€15k€20k▲
Current assets29/58€229k€264k▲
Amounts receivable within one year40/41€52k€60k▲
Trade receivables40€35k€34k▼
Other amounts receivable41€18k€25k▲
Cash at bank and in hand54/58€172k€202k▲
Deferred charges and accrued income490/1€5k€2k▼
Equity and liabilities
Total equity and liabilities10/49€802k€755k▼
Equity10/15€113k€160k▲
Contributions10/11€6k€6k=
Reserves13€107k€154k▲
Non-distributable reserves130/1€329€329=
Reserves not available under the articles1311€329€329=
Distributable reserves133€107k€154k▲
Amounts payable17/49€689k€595k▼
Amounts payable after more than one year17€534k€468k▼
Financial debts170/4€534k€468k▼
Amounts payable within one year42/48€153k€125k▼
Current portion of amounts payable after more than one year42€65k€66k▲
Trade debts44€2k€13k▲
Suppliers440/4€2k€13k▲
Taxes, remuneration and social security45€26k€26k▼
Taxes450/3€7k€5k▼
Remuneration and social security454/9€19k€21k▲
Other amounts payable47/48€60k€20k▼
Accrued charges and deferred income492/3€2k€2k=
Income statement
Code20242025
Non-recurring operating income76A€8k-
Remuneration, social security and pensions62€150k€152k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€84k€89k▲
Other operating charges640/8€6k€8k▲
Gross operating margin9900€423k€349k▼
Operating profit (loss)9901€183k€100k▼
Financial income75/76B€785€508▼
Recurring financial income75€785€508▼
Financial charges65/66B€10k€10k▼
Recurring financial charges65€10k€10k▼
Profit (loss) for the period before taxes9903€174k€91k▼
Income taxes67/77€45k€24k▼
Profit (loss) for the period9904€129k€67k▼
Profit (loss) for the period to be appropriated9905€129k€67k▼
Appropriation of the result
Profit (loss) to be appropriated9906€129k€67k▼
Transfer to equity691/2€69k€47k▼
To other reserves6921€69k€47k▼
Profit to be distributed694/7€60k€20k▼
Return on contributions (dividend)694€60k€20k▼
The notes to these accounts (9 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
31-12
Financial
Equity above €150kEq €160k ▲41.4%
8 profitable years in a row build equity to €160k.
21-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €129k ▲124%
Operating result €183k, net result €129k, both a record.
31-12
Financial
Equity above €100kEq €113k ▲153%
7 profitable years in a row build equity to €113k.
19-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
2020
08-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 100 days late
2019
27-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 58 days late
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 59 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 60 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, La Louvière · 1 establishment unit since 2011
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 la Moussière(TRI) 1037100 La LouvièreGround area
1,758 m²
Building footprint
223 m²
Volume, LiDAR
2,297 m³
2 parcels, Wallonia · tallest building 14.6 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Christophe Reiter SRL
since 20112.199.374.634
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55046B0116/00T002 | Wallonia | 1,204 m² | 1 · 62 m² | 6.4 m · 2 fl. |
| 53070B0267/00G000 | Wallonia | 554 m² | 1 · 161 m² | 14.6 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 807 companies in sector 64999 we hold annual accounts for 484. 323 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-04-2011
Fiscal year end31-12
Activities, NACEBEL
64999Other financial services
66191Agents and brokers in banking services
66199Other activities auxiliary to financial services, excluding insurance and pension funding
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.