Summary
CREDIMO - INVEST 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 €26k and a net result of €-16k. Equity is shrinking by ~12.6% per year across the filed fiscal years. Its solvency ranks better than 89% of 490 sector peers (fiscal year 2025). The company has been active since 1983 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
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 17-02-2026, 17 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
17 d late
2024
53 d early
2023
64 d early
2022
63 d early
2021
63 d early
2020
69 d early
2019
66 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, full schema
Equity
€26k▼ 37.5%
2024 · €42k
2019: €80k
2020: €79k
2021: €71k
2022: €72k
2023: €59k
2024: €42k
2019 → 2025
Net result
€-16k▲ 5.9%
2024 · €-17k
2019: €-10k
2020: €-1k
2021: €-7k
2022: €253
2023: €-13k
2024: €-17k
2019 → 2025
Total assets
€30k▼ 31.0%
2024 · €43k
2019: €102k
2020: €91k
2021: €84k
2022: €84k
2023: €72k
2024: €43k
2019 → 2025
Solvency
88.1%▼ 9.2pp
2024 · 97.3%
2019: 78.7%
2020: 86.7%
2021: 85.1%
2022: 85.5%
2023: 81.6%
2024: 97.3%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€71k-€72k▲ 0.4%€59k▼ 18.2%€42k▼ 28.5%€26k▼ 37.5%
Operating result€-7k-€315€-13k€-17k▼ 30.8%€-18k▼ 5.5%
Net result€-7k-€253€-13k€-17k▼ 27.8%€-16k▲ 5.9%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €18k in 2025 against €17k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €30k
Equity
€26k ▼ 37.5%
Debt
€4k ▲ 202%
Debt's share of the balance-sheet total rises from 2.7% to 11.9%. Equity is lower and debt is higher.
Key figures and ratios
ROE
-59.9%▼
2024 · -39.8%
ROA
-52.8%▼
2024 · -38.7%
Debt ≤ 1 year
€55
A ratio outside any meaningful range has been withheld (balance sheet total €30k, equity €26k).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 40 lines
Balance sheet
Code20242025
Assets
Total assets20/58€43k€30k▼
Current assets29/58€43k€30k▼
Amounts receivable within one year40/41€143€114▼
Other amounts receivable41€143€114▼
Current investments50/53€36k€27k▼
Other investments51/53€36k€27k▼
Cash at bank and in hand54/58€6k€2k▼
Deferred charges and accrued income490/1€683€1k▲
Equity and liabilities
Total equity and liabilities10/49€43k€30k▼
Equity10/15€42k€26k▼
Contributions10/11€78k€78k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Outside capital11€16k€16k=
Share premium1100/10€16k€16k=
Reserves13€27k€27k=
Non-distributable reserves130/1€27k€27k=
Legal reserve130€27k€27k=
Profit (loss) carried forward14€-63k€-79k▼
Amounts payable17/49€1k€4k▲
Amounts payable within one year42/48-€55
Trade debts44-€55
Suppliers440/4-€55
Accrued charges and deferred income492/3€1k€3k▲
Income statement
Code20242025
Operating charges60/66A€17k€18k▲
Services and other goods61€17k€17k▲
Other operating charges640/8€439€442▲
Operating profit (loss)9901€-17k€-18k▼
Financial income75/76B€587€3k▲
Recurring financial income75€587€738▲
Income from current assets751€587€738▲
Non-recurring financial income76B-€2k
Financial charges65/66B€269€311▲
Recurring financial charges65€269€311▲
Other financial charges652/9€269€311▲
Profit (loss) for the period before taxes9903€-17k€-16k▲
Profit (loss) for the period9904€-17k€-16k▲
Profit (loss) for the period to be appropriated9905€-17k€-16k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-63k€-79k▼
Profit (loss) brought forward from the previous period14P€-46k€-63k▼
The notes to these accounts (7 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
17-02
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 17 days late
2024
09-12
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
30-06
Financial
Weakest financial yearnet €-17k
Net result drops to €-17k, the lowest in the series; recovery starts the following year.
2023
28-11
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2022
29-11
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
30-06
Financial
Back to profitnet €253
Net result €253 after 3 loss-making years.
2021
29-11
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2020
23-11
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2019
26-11
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2018
29-11
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2017
13-12
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2016
28-11
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Asse · 1 establishment unit since 1991
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.
Weversstraat 6-101730 AsseGround area
725 m²
Building footprint
384 m²
Volume, LiDAR
6,017 m³
Parcel 23322L0412/00H000, Flanders · tallest building 19.7 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
CREDIMO-INVEST
since 19912.024.293.691
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23322L0412/00H000 | Flanders | 725 m² | 1 · 384 m² | 19.7 m · 5 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 4,683 companies in sector 66220 we hold annual accounts for 3,228. 1,764 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded19-08-1983
Fiscal year end30-06
Activities, NACEBEL 2025
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 42 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.