CLANdeSTINO 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 €184 and a net result of €-14k. Equity is growing by ~46.5% per year across the filed fiscal years. Its solvency ranks better than 9% of 8013 sector peers (fiscal year 2025). The company has been active since 2020 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.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 9% of 8013 sector peers (2025).
NBB · sector comparisonPosition among 8013 sector peers
Solvency
better than 9%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 29-10-2025, 2 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
2 d early
2024
3 d early
2023
4 d early
2022
7 d early
2021
2 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close20-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€184▼ 98.7%
2024 · €14k
2021: €1k
2022: €4k
2023: €5k
2024: €14k
2021 → 2025
Net result
€-14k
2024 · €9k
2021: €-1k
2022: €2k
2023: €1k
2024: €9k
2021 → 2025
Total assets
€71k▼ 17.0%
2024 · €85k
2021: €32k
2022: €46k
2023: €79k
2024: €85k
2021 → 2025
Solvency
0.3%▼ 15.8pp
2024 · 16.1%
2021: 3.3%
2022: 7.6%
2023: 6.3%
2024: 16.1%
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1k-€4k▲ 236%€5k▲ 38.6%€14k▲ 179%€184▼ 98.7%
Operating result€-1k-€4k€3k▼ 18.3%€16k▲ 459%€-11k
Net result€-1k-€2k€1k▼ 45.1%€9k▲ 543%€-14k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €11k after €16k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €71k
Fixed assets
€20k▼ 51.0%
Current assets
€51k▲ 14.1%
Equity and liabilities €71k
Equity
€184▼ 98.7%
Debt
€70k▼ 1.4%
The debt ratio rises from 83.9% to 99.7%. Equity and debt are lower.
Key figures and ratios
Solvency
0.3%▼
2024 · 16.1%
ROA
-19.1%▼
2024 · 10.3%
Debt
€70k▼
2024 · €71k
Debt ≤ 1 year
€66k▼
2024 · €68k
Income taxes
€2k▼
2024 · €4k
Equity ratios withheld: equity of €184 is too small for a meaningful ratio.
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€85k€71k▼
Fixed assets21/28€41k€20k▼
Intangible fixed assets21€1k€779▼
Tangible fixed assets22/27€21k€19k▼
Furniture and vehicles24€17k€12k▼
Other tangible fixed assets26€4k€7k▲
Financial fixed assets28€19k€0▼
Current assets29/58€44k€51k▲
Amounts receivable within one year40/41€6k€18k▲
Trade receivables40€4k€143▼
Other amounts receivable41€3k€18k▲
Cash at bank and in hand54/58€26k€25k▼
Deferred charges and accrued income490/1€12k€8k▼
Equity and liabilities
Total equity and liabilities10/49€85k€71k▼
Equity10/15€14k€184▼
Contributions10/11€3k€3k=
Profit (loss) carried forward14€11k€-2k▼
Amounts payable17/49€71k€70k▼
Amounts payable within one year42/48€68k€66k▼
Financial debts43€877€3k▲
Credit institutions430/8€877€3k▲
Trade debts44€7k€18k▲
Suppliers440/4€7k€18k▲
Taxes, remuneration and social security45€11k€5k▼
Taxes450/3€11k€5k▼
Remuneration and social security454/9€0-
Other amounts payable47/48€49k€41k▼
Accrued charges and deferred income492/3€3k€4k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€6k▲
Other operating charges640/8€566€2k▲
Gross operating margin9900€22k€-3k▼
Operating profit (loss)9901€16k€-11k▼
Financial income75/76B€99€22k▲
Recurring financial income75€99€0▼
Non-recurring financial income76B-€22k
Financial charges65/66B€3k€23k▲
Recurring financial charges65€3k€4k▲
Non-recurring financial charges66B-€19k
Profit (loss) for the period before taxes9903€13k€-11k▼
Income taxes67/77€4k€2k▼
Profit (loss) for the period9904€9k€-14k▼
Profit (loss) for the period to be appropriated9905€9k€-14k▼
Appropriation of the result
Profit (loss) to be appropriated9906€11k€-2k▼
Profit (loss) brought forward from the previous period14P€2k€11k▲
The notes to these accounts (11 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
2025
29-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Weakest financial yearnet €-14k ▼254%
Net result drops to €-14k, the lowest in the series.
2024
28-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Highest result since 2021net €9k ▲543%
Operating result €16k, net result €9k, both a record.
2023
27-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
24-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
31-03
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
2021
29-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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 2020
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.
Terlinckstraat 462600 AntwerpenGround area
143 m²
Building footprint
74 m²
Volume, LiDAR
520 m³
Parcel 11303B0435/00C000, Flanders · tallest building 11.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
CLANdeSTINO
since 20202.309.541.393
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11303B0435/00C000 | Flanders | 143 m² | 1 · 74 m² | 11.5 m · 3 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
2025 · 1 entry · 1,500 EUR awarded · 1,500 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,500 EUR | 1,500 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
LD HOLDING GROUP
BE 1017.724.493
Ans · Eq €185
ChiChi
BE 1017.495.455
Aarschot · Eq €190
Chlodette
BE 0735.858.727
Deinze · Eq €191
AH CONSULTING
BE 0661.672.434
Kasterlee · Eq €173
Capo Invest
BE 0704.789.825
Kortrijk · Eq €199
Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 202 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-10-2020
Fiscal year end31-03
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
82100Office administrative and support services
82110Office administrative, office support and other business support activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 5 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.