CNB
ActiveCNB has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.93M and a net result of €34k. Equity is growing by ~36.5% per year across the filed fiscal years. Its solvency ranks better than 89% of 1828 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
65
/ 100
Healthy▼ -35 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability9▼-91
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €130k at 30 days acceptable
Liquidity ample (current ratio 4.93 against 8.11 in 2024), and 19.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 49
Relative position
BE, all sectors
reference
Sector 49
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
80.2%
Return on assets
1.4%
Age of the figures
8 mo
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 30-03-2026, 123 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
123 d early
2024
97 d early
2023
89 d early
2022
60 d early
2021
5 d early
2020
27 d late
2019
24 d early
← 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.93M▼ 8.3%
2024 · €2.10M
2018: €218k
2020: €226k
2021: €264k
2022: €401k
2023: €457k
2024: €2.10M
2018 → 2025
Total assets
€2.40M▼ 1.3%
2024 · €2.43M
2018: €855k
2020: €747k
2021: €712k
2022: €678k
2023: €659k
2024: €2.43M
2018 → 2025
Net result
€34k▼ 98.0%
2024 · €1.69M
2018: €17k
2020: €7k
2021: €54k
2022: €147k
2023: €72k
2024: €1.69M
2018 → 2025
Working capital
€1.64M▼ 10.7%
2024 · €1.84M
2018: €-136k
2020: €-189k
2021: €-125k
2022: €-118k
2023: €-84k
2024: €1.84M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€264k-€401k▲ 52.2%€457k▲ 13.9%€2.10M▲ 359%€1.93M▼ 8.3%
Operating result€20k-€23k▲ 14.0%€9k▼ 59.2%€7k▼ 29.2%€843▼ 87.2%
Net result€54k-€147k▲ 174%€72k▼ 51.0%€1.69M▲ 2,250%€34k▼ 98.0%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 87% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.40M
Fixed assets
€342k▲ 1.7%
Current assets
€2.06M▼ 1.7%
Equity and liabilities €2.40M
Equity
€1.93M▼ 8.3%
Debt
€474k▲ 43.3%
The debt ratio rises from 13.6% to 19.8%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€16k▼
2024 · €20k
Cash flow
€49k▼
2024 · €1.71M
Solvency
80.2%▼
2024 · 86.4%
Current ratio
4.93▼
2024 · 8.11
Quick ratio
4.93▼
2024 · 8.11
Debt / equity
0.25▲
2024 · 0.16
ROE
1.8%▼
2024 · 80.6%
ROA
1.4%▼
2024 · 69.6%
Interest coverage
1.27▼
2024 · 9.52
Debt
€474k▲
2024 · €331k
Debt ≤ 1 year
€418k▲
2024 · €258k
Debt > 1 year
€57k▼
2024 · €73k
Income taxes
€17k▼
2024 · €172k
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€2.43M€2.40M▼
Fixed assets21/28€336k€342k▲
Tangible fixed assets22/27€336k€342k▲
Land and buildings22€330k€318k▼
Plant, machinery and equipment23€2k€2k▼
Furniture and vehicles24€5k€23k▲
Financial fixed assets28€0-
Current assets29/58€2.10M€2.06M▼
Amounts receivable after more than one year29€300k€802k▲
Other amounts receivable291€300k€802k▲
Amounts receivable within one year40/41€41k€27k▼
Trade receivables40-€27k
Other amounts receivable41€41k€0▼
Current investments50/53€1.50M€1.04M▼
Cash at bank and in hand54/58€253k€194k▼
Deferred charges and accrued income490/1€966€0▼
Equity and liabilities
Total equity and liabilities10/49€2.43M€2.40M▼
Equity10/15€2.10M€1.93M▼
Contributions10/11€19k€19k=
Reserves13€1.98M€1.81M▼
Distributable reserves133€1.98M€1.81M▼
Profit (loss) carried forward14€99k€99k=
Amounts payable17/49€331k€474k▲
Amounts payable after more than one year17€73k€57k▼
Financial debts170/4€73k€57k▼
Amounts payable within one year42/48€258k€418k▲
Current portion of amounts payable after more than one year42€27k€16k▼
Trade debts44€7k€8k▲
Suppliers440/4€7k€8k▲
Taxes, remuneration and social security45€174k€186k▲
Taxes450/3€174k€186k▲
Other amounts payable47/48€50k€208k▲
Income statement
Code20242025
Non-recurring operating income76A€9k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€15k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€22k€18k▼
Operating profit (loss)9901€7k€843▼
Financial income75/76B€1.86M€63k▼
Recurring financial income75€440k€63k▼
Non-recurring financial income76B€1.42M€0▼
Financial charges65/66B€2k€13k▲
Recurring financial charges65€2k€13k▲
Profit (loss) for the period before taxes9903€1.87M€51k▼
Income taxes67/77€172k€17k▼
Profit (loss) for the period9904€1.69M€34k▼
Profit (loss) for the period to be appropriated9905€1.69M€34k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1.79M€133k▼
Profit (loss) brought forward from the previous period14P€99k€99k=
Transfer from equity791/2€50k€208k▲
Transfer to equity691/2€1.69M€34k▼
To other reserves6921€1.69M€34k▼
Profit to be distributed694/7€50k€208k▲
Return on contributions (dividend)694€50k€208k▲
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (19 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
30-03
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
25-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €1.69M ▲2250%
Net result €1.69M, the highest in the series.
31-12
Financial
Liquidity times 46current ratio 8.11
Current ratio from 0.18 to 8.11.
31-12
Financial
Equity above €2MEq €2.10M ▲359%
6 profitable years in a row build equity to €2.10M.
03-05
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
01-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
26-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 27 days late
2020
31-12
Financial
Weakest financial yearnet €7k ▼57.9%
Net result drops to €7k, the lowest in the series; recovery starts the following year.
07-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
08-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
13-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
07-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2024
Chantal De Bruyne
CurrentDirector · since 26-04-2024
26-04-2024
Appointed as Director
Location & real-estate footprint
Registered office, Herzele · 1 establishment unit since 1999
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.
Provincieweg 2309550 HerzeleGround area
962 m²
Building footprint
178 m²
Volume, LiDAR
977 m³
Parcel 41027B0050/00C002, Flanders · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CNB
since 19992.092.418.474
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41027B0050/00C002 | Flanders | 962 m² | 1 · 178 m² | 8.2 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.
Similar companies · same sector, comparable size
VERHUIZINGEN VANDYCKE
BE 0479.140.507
Gistel · Eq €1.93M
Mozer High-Tech Logistics
BE 0825.211.959
Herstal · Eq €1.92M
Transmoove
BE 0472.500.163
Vilvoorde · Eq €1.88M
Verhuizingen Hoeks
BE 0472.367.432
Lommel · Eq €1.87M
Transpico
BE 0404.801.388
Niel · Eq €2.03M
Of 988 companies in sector 49420 we hold annual accounts for 446. 137 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-04-1999
Fiscal year end31-12
Activities, NACEBEL
49420Removal services
60241
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.