Summary
CLAESEN 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 €394k and a net result of €2k. Equity is growing by ~5.3% per year across the filed fiscal years. Its solvency ranks better than 94% of 8023 sector peers (fiscal year 2025). The company has been active since 1996 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
1 signal. 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 01-06-2026, 60 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
60 d early
2024
59 d early
2023
65 d early
2022
62 d early
2021
62 d early
2020
61 d early
2019
59 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€394k=
2024 · €394k
2018: €273k
2019: €288k
2020: €318k
2021: €350k
2022: €359k
2023: €376k
2024: €394k
2018 → 2025
Net result
€2k▼ 90.9%
2024 · €20k
2018: €8k
2019: €15k
2020: €32k
2021: €32k
2022: €8k
2023: €28k
2024: €20k
2018 → 2025
Total assets
€414k▼ 3.0%
2024 · €426k
2018: €289k
2019: €319k
2020: €380k
2021: €392k
2022: €390k
2023: €433k
2024: €426k
2018 → 2025
Solvency
95.3%▲ 2.9pp
2024 · 92.4%
2018: 94.4%
2019: 90.3%
2020: 83.9%
2021: 89.3%
2022: 91.9%
2023: 86.8%
2024: 92.4%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€350k-€359k▲ 2.3%€376k▲ 4.7%€394k▲ 4.9%€394k=
Operating result€46k-€12k▼ 73.8%€38k▲ 212%€28k▼ 25.2%€2k▼ 93.5%
Net result€32k-€8k▼ 74.5%€28k▲ 239%€20k▼ 27.5%€2k▼ 90.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 93% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €414k
Fixed assets
€239k ▼ 11.1%
Current assets
€175k ▲ 11.0%
Equity and liabilities €414k
Equity
€394k =
Debt
€19k ▼ 39.5%
Debt's share of the balance-sheet total falls from 7.6% to 4.7%. Debt is lower.
Key figures and ratios
ROE
0.5%▼
2024 · 5.1%
ROA
0.4%▼
2024 · 4.7%
Debt ≤ 1 year
€11k▼
2024 · €18k
Debt > 1 year
€9k▼
2024 · €15k
Income taxes
€2k▼
2024 · €10k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€426k€414k▼
Fixed assets21/28€269k€239k▼
Tangible fixed assets22/27€269k€239k▼
Land and buildings22€189k€185k▼
Plant, machinery and equipment23€1k€3k▲
Furniture and vehicles24€79k€51k▼
Current assets29/58€157k€175k▲
Amounts receivable after more than one year29€30k€25k▼
Other amounts receivable291€30k€25k▼
Amounts receivable within one year40/41€7k€9k▲
Other amounts receivable41€7k€9k▲
Cash at bank and in hand54/58€116k€135k▲
Deferred charges and accrued income490/1€4k€6k▲
Equity and liabilities
Total equity and liabilities10/49€426k€414k▼
Equity10/15€394k€394k=
Contributions10/11€19k€19k=
Reserves13€375k€375k=
Tax-exempt reserves132€11k€11k=
Distributable reserves133€364k€364k=
Amounts payable17/49€32k€19k▼
Amounts payable after more than one year17€15k€9k▼
Financial debts170/4€15k€9k▼
Amounts payable within one year42/48€18k€11k▼
Current portion of amounts payable after more than one year42€13k€6k▼
Trade debts44€1k€254▼
Suppliers440/4€1k€254▼
Taxes, remuneration and social security45€629€959▲
Taxes450/3€629€959▲
Other amounts payable47/48€3k€4k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€39k€40k▲
Other operating charges640/8€3k€3k▲
Gross operating margin9900€71k€45k▼
Operating profit (loss)9901€28k€2k▼
Financial income75/76B€2k€2k▲
Recurring financial income75€2k€2k▲
Financial charges65/66B€297€207▼
Recurring financial charges65€297€207▼
Profit (loss) for the period before taxes9903€30k€4k▼
Income taxes67/77€10k€2k▼
Profit (loss) for the period9904€20k€2k▼
Profit (loss) for the period to be appropriated9905€20k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€20k€2k▼
Transfer from equity791/2€2k€2k=
Transfer to equity691/2€20k€2k▼
To other reserves6921€20k€2k▼
Profit to be distributed694/7€2k€2k=
Return on contributions (dividend)694€2k€2k=
The notes to these accounts (6 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
01-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €2k ▼90.9%
Net result drops to €2k, the lowest in the series.
02-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity doublescurrent ratio 8.93
Current ratio from 4.22 to 8.93; short-term debt falls from €29k to €18k.
27-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €32k ▲110%
Net result €32k, the highest in the series.
02-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
04-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
12-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-05
NBB filing
Annual accounts filed
fiscal year 2016 · 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, Bilzen-Hoeselt · 1 establishment unit since 1996
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.
Genutstraat 13740 Bilzen-HoeseltGround area
317 m²
Building footprint
166 m²
Volume, LiDAR
1,626 m³
Parcel 73006M0542/00E000, Flanders · tallest building 14.6 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Genutstraat 1, 3740 Bilzen-Hoeselt
since 19962.077.346.555
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73006M0542/00E000 | Flanders | 317 m² | 1 · 166 m² | 14.6 m · 4 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.
Recognitions · licences · registrations
Legal Entity Identifier
967600RKENCMFG7DKE04
Similar companies · same sector, comparable size
DELVOS
BE 0526.801.753
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Animo+
BE 0870.732.772
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SAY IT
BE 0744.733.039
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HB MANAGEMENT
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 13,763 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-06-1996
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 29 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:claesen.mark@skynet.be
Phone:0478948117