CMecker 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 €702k and a net result of €283k. Equity is growing by ~57.5% per year across the filed fiscal years. Its solvency ranks better than 81% of 7980 sector peers (fiscal year 2025). The company has been active since 2022 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 · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 3 filingsDeviation from the deadline
2025
28 d late
2024
26 d late
2023
30 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€702k▲ 67.7%
2024 · €418k
2023: €221k
2024: €418k
2023 → 2025
Net result
€283k▲ 43.1%
2024 · €198k
2023: €219k
2024: €198k
2023 → 2025
Total assets
€845k▲ 70.1%
2024 · €497k
2023: €314k
2024: €497k
2023 → 2025
Solvency
83.1%▼ 1.2pp
2024 · 84.3%
2023: 70.2%
2024: 84.3%
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€221k-€418k▲ 89.7%€702k▲ 67.7%
Operating result€288k-€258k▼ 10.3%€375k▲ 45.1%
Net result€219k-€198k▼ 9.5%€283k▲ 43.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 45% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €845k
Fixed assets
€29k▲ 90.4%
Current assets
€815k▲ 69.4%
Equity and liabilities €845k
Equity
€702k▲ 67.7%
Debt
€143k▲ 83.0%
The debt ratio rises from 15.7% to 16.9%. Equity and debt are higher.
Key figures and ratios
Solvency
83.1%▼
2024 · 84.3%
ROE
40.4%▼
2024 · 47.3%
ROA
33.5%▼
2024 · 39.8%
Debt
€143k▲
2024 · €78k
Debt ≤ 1 year
€143k▲
2024 · €74k
Income taxes
€91k▲
2024 · €63k
Staff costs
€105
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€497k€845k▲
Fixed assets21/28€15k€29k▲
Tangible fixed assets22/27€15k€29k▲
Plant, machinery and equipment23-€24k
Furniture and vehicles24€15k€5k▼
Current assets29/58€481k€815k▲
Amounts receivable after more than one year29€69k€65k▼
Other amounts receivable291€69k€65k▼
Amounts receivable within one year40/41€196k€459k▲
Trade receivables40€160k€339k▲
Other amounts receivable41€35k€120k▲
Cash at bank and in hand54/58€214k€291k▲
Deferred charges and accrued income490/1€2k€344▼
Equity and liabilities
Total equity and liabilities10/49€497k€845k▲
Equity10/15€418k€702k▲
Contributions10/11€2k€2k=
Profit (loss) carried forward14€416k€700k▲
Amounts payable17/49€78k€143k▲
Amounts payable after more than one year17€4k-
Financial debts170/4€4k-
Amounts payable within one year42/48€74k€143k▲
Current portion of amounts payable after more than one year42€10k€4k▼
Trade debts44€678€47k▲
Suppliers440/4€678€47k▲
Taxes, remuneration and social security45€63k€91k▲
Taxes450/3€63k€91k▲
Income statement
Code20242025
Remuneration, social security and pensions62-€105
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€15k▲
Other operating charges640/8€1k€1k▼
Gross operating margin9900€271k€392k▲
Operating profit (loss)9901€258k€375k▲
Financial income75/76B€4k€88▼
Recurring financial income75€4k€88▼
Financial charges65/66B€991€568▼
Recurring financial charges65€991€568▼
Profit (loss) for the period before taxes9903€261k€375k▲
Income taxes67/77€63k€91k▲
Profit (loss) for the period9904€198k€283k▲
Profit (loss) for the period to be appropriated9905€198k€283k▲
Appropriation of the result
Profit (loss) to be appropriated9906€416k€700k▲
Profit (loss) brought forward from the previous period14P€219k€416k▲
The notes to these accounts (5 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
31-12
Financial
Highest result since 2023net €283k ▲43.1%
Operating result €375k, net result €283k, both a record.
31-12
Financial
Equity above €500kEq €702k ▲67.7%
3 profitable years in a row build equity to €702k.
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
31-12
Financial
Weakest financial yearnet €198k ▼9.5%
Net result drops to €198k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
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, Mons · 1 establishment unit since 2023
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.
Digue des Peupliers 477000 MonsGround area
1,212 m²
Building footprint
218 m²
Volume, LiDAR
491 m³
2 parcels, Wallonia · tallest building 11.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
CMecker
since 20232.339.731.159
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53053D0223/00V005 | Wallonia | 630 m² | 1 · 159 m² | - |
| 53053D0223/00N005 | Wallonia | 583 m² | 1 · 58 m² | 11.1 m · 3 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 24,726 companies in sector 64210 we hold annual accounts for 19,748. 13,317 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-12-2022
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
66199Other activities auxiliary to financial services, excluding insurance and pension funding
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
82100Office administrative and support services
82110Office administrative, office support and other business support activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:laure.radermecker@gmail.com