CINDY VANNESTE is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €890k and a net result of €243k. Equity is growing by ~16.5% per year across the filed fiscal years. Its solvency ranks better than 74% of 3325 sector peers (fiscal year 2024). The company has been active since 2012 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
Two signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 28-09-2025, 59 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
59 d late
2023
67 d late
2022
72 d late
2021
31 d late
2020
31 d late
2019
86 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€890k▲ 11.3%
2023 · €800k
2018: €339k
2019: €374k
2020: €500k
2021: €592k
2022: €677k
2023: €800k
2018 → 2024
Net result
€243k▲ 26.9%
2023 · €191k
2018: €80k
2019: €73k
2020: €125k
2021: €142k
2022: €144k
2023: €191k
2018 → 2024
Total assets
€1.18M▲ 4.3%
2023 · €1.13M
2018: €640k
2019: €578k
2020: €684k
2021: €775k
2022: €827k
2023: €1.13M
2018 → 2024
Solvency
75.5%▲ 4.7pp
2023 · 70.7%
2018: 52.9%
2019: 64.8%
2020: 73.0%
2021: 76.4%
2022: 81.9%
2023: 70.7%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€500k-€592k▲ 18.5%€677k▲ 14.2%€800k▲ 18.3%€890k▲ 11.3%
Operating result€165k-€186k▲ 12.9%€186k▲ 0.2%€248k▲ 33.0%€315k▲ 27.3%
Net result€125k-€142k▲ 13.6%€144k▲ 0.9%€191k▲ 33.0%€243k▲ 26.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2024 is 27% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.18M
Fixed assets
€864k▼ 8.0%
Current assets
€315k▲ 64.6%
Equity and liabilities €1.18M
Equity
€890k▲ 11.3%
Debt
€289k▼ 12.6%
The debt ratio falls from 29.3% to 24.5%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
75.5%▲
2023 · 70.7%
ROE
27.3%▲
2023 · 23.9%
ROA
20.6%▲
2023 · 16.9%
Debt
€289k▼
2023 · €331k
Debt ≤ 1 year
€98k▼
2023 · €104k
Debt > 1 year
€191k▼
2023 · €219k
Income taxes
€76k▲
2023 · €63k
Staff costs
€115k▼
2023 · €118k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€1.13M€1.18M▲
Fixed assets21/28€940k€864k▼
Intangible fixed assets21€252k€199k▼
Tangible fixed assets22/27€88k€66k▼
Furniture and vehicles24€3k€672▼
Other tangible fixed assets26€85k€65k▼
Financial fixed assets28€600k€600k=
Current assets29/58€192k€315k▲
Amounts receivable within one year40/41-€286
Other amounts receivable41-€286
Cash at bank and in hand54/58€128k€244k▲
Deferred charges and accrued income490/1€64k€71k▲
Equity and liabilities
Total equity and liabilities10/49€1.13M€1.18M▲
Equity10/15€800k€890k▲
Contributions10/11€74k€74k=
Reserves13€725k€815k▲
Distributable reserves133€725k€815k▲
Profit (loss) carried forward14€761€971▲
Amounts payable17/49€331k€289k▼
Amounts payable after more than one year17€219k€191k▼
Financial debts170/4€219k€191k▼
Amounts payable within one year42/48€104k€98k▼
Current portion of amounts payable after more than one year42€27k€28k▲
Trade debts44€9k€9k▲
Suppliers440/4€9k€9k▲
Taxes, remuneration and social security45€65k€61k▼
Taxes450/3€48k€44k▼
Remuneration and social security454/9€17k€17k▲
Other amounts payable47/48€2k-
Accrued charges and deferred income492/3€8k-
Income statement
Code20232024
Remuneration, social security and pensions62€118k€115k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€38k€76k▲
Other operating charges640/8€2k€2k▼
Gross operating margin9900€405k€508k▲
Operating profit (loss)9901€248k€315k▲
Financial income75/76B€10k€11k▲
Recurring financial income75€10k€11k▲
Financial charges65/66B€3k€7k▲
Recurring financial charges65€3k€7k▲
Profit (loss) for the period before taxes9903€254k€319k▲
Income taxes67/77€63k€76k▲
Profit (loss) for the period9904€191k€243k▲
Profit (loss) for the period to be appropriated9905€191k€243k▲
Appropriation of the result
Profit (loss) to be appropriated9906€192k€243k▲
Profit (loss) brought forward from the previous period14P€770€761▼
Transfer to equity691/2€124k€90k▼
To other reserves6921€124k€90k▼
Profit to be distributed694/7€68k€153k▲
Return on contributions (dividend)694€68k€153k▲
The notes to these accounts (13 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
28-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 59 days late
2024
31-12
Financial
Highest result since 2018net €243k ▲26.9%
Operating result €315k, net result €243k, both a record.
06-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 67 days late
2023
11-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 72 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Equity above €500kEq €592k ▲18.5%
4 profitable years in a row build equity to €592k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Liquidity doublescurrent ratio 2.38
Current ratio from 1.18 to 2.38.
25-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 86 days late
2019
31-12
Financial
Weakest financial yearnet €73k ▼9.2%
Net result drops to €73k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 31 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
23-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 23 days late
2016
11-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 11 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Wevelgem · 1 establishment unit since 2012
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.
Bankstraat 648560 WevelgemGround area
354 m²
Building footprint
127 m²
Volume, LiDAR
665 m³
Parcel 34012B0846/00H016, Flanders · tallest building 10.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
VANPOUCKE & C°
since 20122.208.782.050
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34012B0846/00H016 | Flanders | 354 m² | 1 · 127 m² | 10.6 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 139 EUR awarded · 186 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 49 EUR | 49 EUR |
| 2024 | 1 | 47 EUR | 47 EUR |
| 2023 | 1 | 0 EUR | 77 EUR |
| 2022 | 1 | 43 EUR | 13 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
Agent de banque et d'assurances BRUSSELS EAST en français et Bank-en verzekeringsagent BRUSSELS EAST en néerlandais
BE 0455.967.405
Etterbeek · Eq €895k
FRANK MERTENS
BE 0894.992.373
Sint-Niklaas · Eq €895k
RANSON-HAERYNCK
BE 0467.937.403
Dentergem · Eq €898k
Steven Roymans BV
BE 0755.668.701
Kontich · Eq €902k
GROUP TRYBOU
BE 0435.517.825
Ieper · Eq €903k
Of 1,681 companies in sector 66191 we hold annual accounts for 1,229. 897 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-03-2012
Fiscal year end31-12
Activities, NACEBEL
66191Agents and brokers in banking services
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.