Cox 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 €182k and a net result of €14k. Equity is growing by ~3.9% per year across the filed fiscal years. Its solvency ranks better than 70% of 5523 sector peers (fiscal year 2025). The company has been active since 2000 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 30-06-2025 was due by 31-01-2026 and was filed on 05-01-2026, 26 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
26 d early
2024
50 d early
2023
13 d early
2022
1 d early
2021
39 d early
2020
31 d early
2019
42 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close22-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€182k▲ 8.4%
2024 · €168k
2019: €140k
2020: €148k
2021: €151k
2022: €153k
2023: €159k
2024: €168k
2019 → 2025
Net result
€14k▲ 54.1%
2024 · €9k
2019: €-697
2020: €8k
2021: €3k
2022: €2k
2023: €6k
2024: €9k
2019 → 2025
Total assets
€248k▲ 0.8%
2024 · €246k
2019: €301k
2020: €295k
2021: €286k
2022: €265k
2023: €258k
2024: €246k
2019 → 2025
Solvency
73.4%▲ 5.1pp
2024 · 68.3%
2019: 46.5%
2020: 50.4%
2021: 52.9%
2022: 57.6%
2023: 61.7%
2024: 68.3%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€151k-€153k▲ 1.1%€159k▲ 4.0%€168k▲ 5.8%€182k▲ 8.4%
Operating result€14k-€4k▼ 67.9%€10k▲ 115%€13k▲ 38.6%€20k▲ 53.1%
Net result€3k-€2k▼ 38.3%€6k▲ 269%€9k▲ 50.2%€14k▲ 54.1%
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 2022 the operating result has climbed three years in a row; 2025 is 53% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €248k
Fixed assets
€163k▼ 6.4%
Current assets
€85k▲ 18.3%
Equity and liabilities €248k
Equity
€182k▲ 8.4%
Provisions
€51k▼ 11.1%
Debt
€15k▼ 27.7%
The debt ratio falls from 8.3% to 6.0%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
73.4%▲
2024 · 68.3%
ROE
7.8%▲
2024 · 5.5%
ROA
5.7%▲
2024 · 3.7%
Debt
€15k▼
2024 · €20k
Debt ≤ 1 year
€15k▼
2024 · €18k
Income taxes
€6k▲
2024 · €4k
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€246k€248k▲
Fixed assets21/28€174k€163k▼
Tangible fixed assets22/27€174k€163k▼
Land and buildings22€170k€160k▼
Plant, machinery and equipment23-€0
Furniture and vehicles24€4k€3k▼
Financial fixed assets28€265€265=
Current assets29/58€72k€85k▲
Amounts receivable within one year40/41€8k€9k▲
Trade receivables40€8k€9k▲
Other amounts receivable41-€57
Cash at bank and in hand54/58€60k€73k▲
Deferred charges and accrued income490/1€3k€3k▼
Equity and liabilities
Total equity and liabilities10/49€246k€248k▲
Equity10/15€168k€182k▲
Contributions10/11€31k€31k=
Reserves13€137k€151k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€137k€151k▲
Provisions and deferred taxes16€58k€51k▼
Provisions for liabilities and charges160/5€58k€51k▼
Pensions and similar obligations160€58k€51k▼
Amounts payable17/49€20k€15k▼
Amounts payable after more than one year17€2k-
Financial debts170/4€2k-
Amounts payable within one year42/48€18k€15k▼
Current portion of amounts payable after more than one year42€14k€2k▼
Trade debts44€413-
Suppliers440/4€413-
Taxes, remuneration and social security45€4k€13k▲
Taxes450/3€4k€10k▲
Remuneration and social security454/9-€3k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€11k▼
Other operating charges640/8€2k€2k▲
Gross operating margin9900€27k€34k▲
Operating profit (loss)9901€13k€20k▲
Financial income75/76B€306€304▼
Recurring financial income75€306€304▼
Financial charges65/66B€416€262▼
Recurring financial charges65€416€262▼
Profit (loss) for the period before taxes9903€13k€21k▲
Income taxes67/77€4k€6k▲
Profit (loss) for the period9904€9k€14k▲
Profit (loss) for the period to be appropriated9905€9k€14k▲
Appropriation of the result
Profit (loss) to be appropriated9906€9k€14k▲
Transfer to equity691/2€9k€14k▲
To other reserves6921€9k€14k▲
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
05-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-06
Financial
Highest result since 2019net €14k ▲54.1%
Operating result €20k, net result €14k, both a record.
2024
12-12
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
18-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
23-12
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
30-06
Financial
Equity above €150kEq €151k ▲1.8%
2 profitable years in a row build equity to €151k.
2020
31-12
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
30-06
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
2019
20-12
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
27-12
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
22-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
11-01
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, Hasselt · 1 establishment unit since 2001
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.
Pallekensbergstraat 403511 HasseltGround area
825 m²
Building footprint
224 m²
Volume, LiDAR
919 m³
Parcel 71032B0519/00F003, Flanders · tallest building 7.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
COX BVBA
since 20012.101.154.216
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71032B0519/00F003 | Flanders | 825 m² | 1 · 224 m² | 7.2 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.
Similar companies · same sector, comparable size
Motivos
BE 0742.706.036
Schilde · Eq €182k
DKonsult & Invest
BE 0774.601.418
Koksijde · Eq €182k
VOSSEKOT
BE 0450.182.443
Tielt · Eq €182k
PHARMATOPIA
BE 1002.022.767
Beringen · Eq €182k
NORMI
BE 0810.884.663
Oudenaarde · Eq €182k
Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 13,526 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-12-2000
Fiscal year end30-06
Activities, NACEBEL
45441
64200Holdings
64210Activities of holding companies
43310Plastering work
43332Laying of wooden floor and wall coverings
43333Wallpapering and laying of floor and wall coverings in other materials
43341Painting of buildings
45432
45433
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.