Summary
Conclusion
the dossier summarised in one paragraphContender 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 €23k and a net result of €7k. The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 1 annual account.
Filing behaviour
From the deposit records, complete market-wideLatest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-05-2026, 63 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
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.
How we compute the deadline
The year end is derived from 7 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2025, that is 31-07-2026.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | 29-05-2026 | 63 d early | 2026-00129770 |
| 31-12-2024 | 31-07-2025 | 11-06-2025 | 50 d early | 2025-00138013 |
| 31-12-2023 | 31-07-2024 | 27-05-2024 | 65 d early | 2024-00099877 |
| 31-12-2022 | 31-07-2023 | 18-07-2023 | 13 d early | 2023-00251907 |
| 31-12-2021 | 31-07-2022 | 04-05-2022 | 88 d early | 2022-20021767 |
| 31-12-2020 | 31-07-2021 | 09-06-2021 | 52 d early | 2021-18600315 |
| 31-12-2019 | 31-07-2020 | 16-07-2020 | 15 d early | 2020-31100361 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsMore than 3 years active
Founded in 2019, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyoneThis is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.
Financials
Equity€23k
Net result€7k
Total assets€37k
Solvency61.5%
Annual accounts & ratios
Source: NBB · 2025Annual accounts filed on 29-05-2026 with the NBB · fiscal year 2025 · micro
| Fiscal year | 2025 |
|---|---|
| Deposit | micro |
| Revenue | n/a |
| EBITDA | n/a |
| Net profit | €7k |
| Cash flow | n/a |
| Staff costs | - |
| Income taxes | €1k |
| Dividends | €0 |
| Total assets | €37k |
| Equity | €23k |
| Debt | €14k |
| of which ≤ 1y | €14k |
| of which > 1y | - |
| Working capital | n/a |
| Employees (FTE) | - |
Ratios (computed)
| 2025 | |
|---|---|
| Current ratio | n/a |
| Quick ratio | n/a |
| Working capital ratio | n/a |
| Solvency | 61.5% |
| Debt / equity | n/a |
| Long-term debt ratio | n/a |
| Interest coverage | n/a |
| Gross margin | n/a |
| Net margin | n/a |
| ROA | 19.5% |
| ROE | 31.7% |
| EBITDA margin | n/a |
| Days sales outstanding | n/a |
| Days payable outstanding | n/a |
| Inventory turnover | n/a |
| Days inventory (DSI) | n/a |
Balance-sheet composition 2025
Full annual accounts (23 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €37k |
| Fixed assets | 21/28 | €2k |
| Tangible fixed assets | 22/27 | €2k |
| Financial fixed assets | 28 | €30 |
| Current assets | 29/58 | €35k |
| Amounts receivable within one year | 40/41 | €11k |
| Cash & bank | 54/58 | €24k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €37k |
| Equity | 10/15 | €23k |
| Contributions / capital | 10/11 | €12k |
| Reserves | 13 | €2k |
| Accumulated profits (losses) | 14 | €8k |
| Amounts payable | 17/49 | €14k |
| Amounts payable within one year | 42/48 | €14k |
| Trade debts payable within one year | 44 | €2k |
| Income statement | ||
| Gross operating margin | 9900 | €13k |
| Operating result | 9901 | €10k |
| Financial income | 75 | €0 |
| Financial charges | 65 | €2k |
| Result before taxes | 9903 | €9k |
| Income taxes | 67/77 | €1k |
| Net result for the period | 9904 | €7k |
| Result to be appropriated | 9905 | €7k |
Ratios computed by Checked.
Health barometer
FY 2025 · computedModel 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.
Directors
Directors & mandates
2 directors3 of this company's 3 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing below: a director who resigned there may therefore still show here as sitting. See the acts under Publications.
Current directors & mandates
-
Current19-12-2025 → present
-
Current20-09-2023 → present
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.
Insolvency mandates
No insolvency mandates (liquidators, administrators) on record for this company.
Legal Structure
| NACE primary | Activiteiten van holdings(64210) |
| Legal form | Private limited company(610) |
| Incorporation | 19-02-2019 |
| Status | Active |
| Postal code | 2630 |
Structure & network
Connections & network
1 connected companyGroup structure
We sit on their board · 1 location
→
Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.
Ownership & control
1 partyContenderBE 0720.911.126
controls
Where this company holds controlthis company sits on their board1
1 location
Each band states what its claims rest on. A board seat is influence over the board, not ownership. Court mandates (receiver, interim administrator) and liquidation mandates do not link companies and are therefore absent here; they belong under Directors & mandates.
Locations & real estate
Registered office
on the map · from the address registerEstablishment units
1 locationCONTENDER
since 20192.286.585.948
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area834 m²
Buildings1
Building footprint167 m²
Volume (LiDAR)1,015 m³
Tallest building9.4 m · ±2 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11372A0027/00F000 | Flanders | 834 m² | 1 · 167 m² | 9.4 m · 2 fl. |
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.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
3 acts All acts · 3
updated 8 months ago
2025
19-12-2025 Delodder Caroline Mervouw appointed as director
2023
20-09-2023 Van den Eynde Benoit reappointed as director
2019
21-02-2019 Incorporation of a new BV
Summary:
oprichting
Analysis
Financial profile
3 of 5 axes measured95
/ 100
This figure rests on 3 of 5 axes. Too few to say where this company is strong or weak.
Computed on 3 of 5 axes. Not measured: health, growth. An unmeasured axis is not a zero: no data was read for it.
Health
-
Profitability
100
Solvency
99
Growth
-
Stability
85
Credit advice
verdict per customer and amountSimilar
Similar companies
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We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. We hold annual accounts for 5,579 of the 24,683 companies in this sector.
Company registry
Company registry (CBE)
Crossroads BankActivities
Holdings64200Activiteiten van holdings64210
Primary activity highlighted.
Names & trade names
| Legal nameNL | Contender |
Registered office
Groenenhoek 71
2630 Aartselaar, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.