COGNATIS 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 €461k and a net result of €16k. Equity is growing by ~32.9% per year across the filed fiscal years. Its solvency ranks better than 71% of 8006 sector peers (fiscal year 2025). The company has been active since 2013 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 · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 26-09-2025, 35 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
35 d early
2024
24 d early
2023
33 d early
2022
32 d early
2021
32 d early
2020
37 d early
2019
34 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 close19-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€461k▲ 3.5%
2024 · €445k
2019: €107k
2020: €108k
2021: €97k
2022: €109k
2023: €241k
2024: €445k
2019 → 2025
Net result
€16k▼ 94.6%
2024 · €290k
2019: €3k
2020: €1k
2021: €-12k
2022: €13k
2023: €132k
2024: €290k
2019 → 2025
Total assets
€622k▼ 23.4%
2024 · €812k
2019: €506k
2020: €480k
2021: €451k
2022: €467k
2023: €530k
2024: €812k
2019 → 2025
Solvency
74.0%▲ 19.2pp
2024 · 54.8%
2019: 21.2%
2020: 22.6%
2021: 21.4%
2022: 23.4%
2023: 45.5%
2024: 54.8%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€97k-€109k▲ 13.0%€241k▲ 121%€445k▲ 84.5%€461k▲ 3.5%
Operating result€-2k-€56k€195k▲ 250%€436k▲ 123%€35k▼ 92.1%
Net result€-12k-€13k€132k▲ 956%€290k▲ 120%€16k▼ 94.6%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 92% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €622k
Fixed assets
€261k▼ 6.9%
Current assets
€361k▼ 32.1%
Equity and liabilities €622k
Equity
€461k▲ 3.5%
Debt
€162k▼ 55.9%
The debt ratio falls from 45.2% to 26.0%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
74.0%▲
2024 · 54.8%
ROE
3.4%▼
2024 · 65.2%
ROA
2.5%▼
2024 · 35.7%
Debt
€162k▼
2024 · €367k
Debt ≤ 1 year
€20k▼
2024 · €211k
Debt > 1 year
€140k▼
2024 · €154k
Income taxes
€7k▼
2024 · €130k
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€812k€622k▼
Formation expenses20€0€0=
Fixed assets21/28€280k€261k▼
Tangible fixed assets22/27€280k€261k▼
Land and buildings22€280k€261k▼
Current assets29/58€532k€361k▼
Amounts receivable within one year40/41€506k€209k▼
Other amounts receivable41€506k€209k▼
Current investments50/53-€68k
Cash at bank and in hand54/58€25k€34k▲
Deferred charges and accrued income490/1€496€50k▲
Equity and liabilities
Total equity and liabilities10/49€812k€622k▼
Equity10/15€445k€461k▲
Contributions10/11€19k€19k=
Reserves13€426k€442k▲
Tax-exempt reserves132€207€207=
Distributable reserves133€426k€442k▲
Amounts payable17/49€367k€162k▼
Amounts payable after more than one year17€154k€140k▼
Financial debts170/4€150k€135k▼
Other amounts payable178/9€4k€4k=
Amounts payable within one year42/48€211k€20k▼
Current portion of amounts payable after more than one year42€14k€15k▲
Trade debts44€47€594▲
Suppliers440/4€47€594▲
Taxes, remuneration and social security45€40k€5k▼
Taxes450/3€35k€3k▼
Remuneration and social security454/9€5k€3k▼
Other amounts payable47/48€156k-
Accrued charges and deferred income492/3€2k€2k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€19k=
Other operating charges640/8€4k€4k▼
Gross operating margin9900€459k€58k▼
Operating profit (loss)9901€436k€35k▼
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€16k€12k▼
Recurring financial charges65€16k€12k▼
Profit (loss) for the period before taxes9903€420k€23k▼
Income taxes67/77€130k€7k▼
Profit (loss) for the period9904€290k€16k▼
Profit (loss) for the period to be appropriated9905€290k€16k▼
Appropriation of the result
Profit (loss) to be appropriated9906€290k€16k▼
Transfer from equity791/2€86k-
Transfer to equity691/2€290k€16k▼
To other reserves6921€290k€16k▼
Profit to be distributed694/7€86k-
Return on contributions (dividend)694€86k-
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
2025
26-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Liquidity times 7current ratio 17.71
Current ratio from 2.52 to 17.71; short-term debt falls from €211k to €20k.
2024
07-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Highest result since 2019net €290k ▲120%
Operating result €436k, net result €290k, both a record.
2023
28-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-03
Financial
Liquidity doublescurrent ratio 1.93
Current ratio from 0.85 to 1.93; short-term debt falls from €174k to €120k.
31-03
Financial
Equity above €200kEq €241k ▲121%
2 profitable years in a row build equity to €241k.
2022
29-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
31-03
Financial
Back to profitnet €13k
Net result €13k after one loss-making year.
31-03
Financial
Equity above €100kEq €109k ▲13%
Equity rises from €97k to €109k.
2021
29-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-03
Financial
Weakest financial yearnet €-12k ▼1001%
Net result drops to €-12k, the lowest in the series; recovery starts the following year.
2020
24-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
27-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
26-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
27-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
14-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
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, Beringen · 1 establishment unit since 2013
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.
De Weven 13583 BeringenGround area
1,917 m²
Building footprint
728 m²
Volume, LiDAR
5,220 m³
Parcel 71049A0981/00M000, Flanders · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
COGNATIS
since 20132.219.433.442
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71049A0981/00M000 | Flanders | 1,917 m² | 1 · 728 m² | 7.9 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.
Recognitions · licences · registrations
Legal Entity Identifier
984500BC07E1B1DB2B89
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Of 24,727 companies in sector 64210 we hold annual accounts for 19,759. 13,657 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-05-2013
Fiscal year end31-03
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.