CONVENS & DOCHTERS 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 €232k and a net result of €75k. Equity is growing by ~36.9% per year across the filed fiscal years. Its solvency ranks better than 76% of 8018 sector peers (fiscal year 2025). The company has been active since 2009 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 31-12-2025 was due by 31-07-2026 and was filed on 02-07-2026, 29 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
29 d early
2024
on the day
2023
41 d early
2022
46 d early
2021
44 d early
2020
40 d early
2019
17 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€232k▲ 48.0%
2024 · €157k
2018: €26k
2019: €31k
2020: €47k
2021: €57k
2022: €89k
2023: €118k
2024: €157k
2018 → 2025
Net result
€75k▲ 95.6%
2024 · €38k
2018: €-1k
2019: €5k
2020: €16k
2021: €10k
2022: €32k
2023: €29k
2024: €38k
2018 → 2025
Total assets
€292k▲ 39.4%
2024 · €210k
2018: €35k
2019: €43k
2020: €90k
2021: €138k
2022: €175k
2023: €192k
2024: €210k
2018 → 2025
Solvency
79.2%▲ 4.6pp
2024 · 74.7%
2018: 74.5%
2019: 73.3%
2020: 52.5%
2021: 41.2%
2022: 50.7%
2023: 61.5%
2024: 74.7%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€57k-€89k▲ 56.1%€118k▲ 33.0%€157k▲ 32.5%€232k▲ 48.0%
Operating result€16k-€47k▲ 199%€43k▼ 10.0%€56k▲ 30.9%€114k▲ 105%
Net result€10k-€32k▲ 228%€29k▼ 8.2%€38k▲ 30.9%€75k▲ 95.6%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 105% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €292k
Fixed assets
€72k▲ 1.7%
Current assets
€221k▲ 58.5%
Equity and liabilities €292k
Equity
€232k▲ 48.0%
Debt
€61k▲ 14.2%
The debt ratio falls from 25.3% to 20.8%. Equity and debt are higher.
Key figures and ratios
Solvency
79.2%▲
2024 · 74.7%
ROE
32.4%▲
2024 · 24.5%
ROA
25.7%▲
2024 · 18.3%
Debt
€61k▲
2024 · €53k
Debt ≤ 1 year
€38k▲
2024 · €25k
Debt > 1 year
€23k▼
2024 · €28k
Income taxes
€37k▲
2024 · €15k
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€210k€292k▲
Fixed assets21/28€71k€72k▲
Tangible fixed assets22/27€71k€72k▲
Land and buildings22€63k€63k=
Plant, machinery and equipment23-€5k
Furniture and vehicles24€4k-
Other tangible fixed assets26€5k€5k=
Current assets29/58€139k€221k▲
Amounts receivable within one year40/41€119k€110k▼
Trade receivables40€47k€1k▼
Other amounts receivable41€72k€109k▲
Cash at bank and in hand54/58€15k€101k▲
Deferred charges and accrued income490/1€5k€9k▲
Equity and liabilities
Total equity and liabilities10/49€210k€292k▲
Equity10/15€157k€232k▲
Contributions10/11€6k€6k=
Reserves13€144k€219k▲
Distributable reserves133€144k€219k▲
Profit (loss) carried forward14€6k€6k=
Amounts payable17/49€53k€61k▲
Amounts payable after more than one year17€28k€23k▼
Financial debts170/4€28k€23k▼
Amounts payable within one year42/48€25k€38k▲
Current portion of amounts payable after more than one year42€8k€5k▼
Trade debts44€983€241▼
Suppliers440/4€983€241▼
Taxes, remuneration and social security45€16k€33k▲
Taxes450/3€14k€33k▲
Remuneration and social security454/9€2k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€4k▼
Other operating charges640/8€148€151▲
Gross operating margin9900€62k€119k▲
Operating profit (loss)9901€56k€114k▲
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€54k€112k▲
Income taxes67/77€15k€37k▲
Profit (loss) for the period9904€38k€75k▲
Profit (loss) for the period to be appropriated9905€38k€75k▲
Appropriation of the result
Profit (loss) to be appropriated9906€45k€81k▲
Profit (loss) brought forward from the previous period14P€6k€6k=
Transfer to equity691/2€38k€75k▲
To other reserves6921€38k€75k▲
The notes to these accounts (8 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
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €75k ▲95.6%
Operating result €114k, net result €75k, both a record.
31-12
Financial
Equity above €200kEq €232k ▲48%
7 profitable years in a row build equity to €232k.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €150kEq €157k ▲32.5%
6 profitable years in a row build equity to €157k.
20-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €100kEq €118k ▲33%
5 profitable years in a row build equity to €118k.
15-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
17-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
21-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
14-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
07-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
05-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
29-05
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
2 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, Balen · 1 establishment unit since 2009
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.
Olmensebaan 1232490 BalenGround area
1,000 m²
Building footprint
106 m²
Volume, LiDAR
326 m³
Parcel 13003E0477/00K000, Flanders · tallest building 3.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Convens & dochters
since 20092.184.836.116
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13003E0477/00K000 | Flanders | 1,000 m² | 1 · 106 m² | 3.4 m · 1 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.
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 13,585 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-10-2009
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.