Credinvest 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 €21k and a net result of €6k. Its solvency ranks better than 11% of 2413 sector peers (fiscal year 2025). The company has been active since 2024 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
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 11% of 2413 sector peers (2025).
NBB · sector comparisonPosition among 2413 sector peers
Solvency
better than 11%
← weakest
strongest →
raises risk · Young company
Founded in 2024, under 3 years, statistically higher risk.
KBO · incorporation dateAge against the risk zone
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 30-06-2026, 31 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
31 d early
← before the deadline
after the deadline →
Financials · fiscal year 2025, micro schema
Equity
€21k
Net result
€6k
Total assets
€662k
Solvency
3.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €662k
Fixed assets
€640k
Current assets
€22k
Equity and liabilities €662k
Equity
€21k
Debt
€641k
Debt finances 96.8% of the balance-sheet total.
Key figures and ratios
Solvency
3.2%
ROE
29.8%
ROA
1.0%
Debt
€641k
Debt ≤ 1 year
€159k
Debt > 1 year
€482k
Income taxes
€4k
Staff costs
€163k
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€662k
Fixed assets21/28€640k
Intangible fixed assets21€622k
Tangible fixed assets22/27€18k
Furniture and vehicles24€18k
Current assets29/58€22k
Amounts receivable within one year40/41€6k
Other amounts receivable41€6k
Cash at bank and in hand54/58€15k
Deferred charges and accrued income490/1€995
Equity and liabilities
Total equity and liabilities10/49€662k
Equity10/15€21k
Contributions10/11€15k
Reserves13€6k
Distributable reserves133€6k
Amounts payable17/49€641k
Amounts payable after more than one year17€482k
Financial debts170/4€482k
Amounts payable within one year42/48€159k
Current portion of amounts payable after more than one year42€91k
Trade debts44€5k
Suppliers440/4€5k
Taxes, remuneration and social security45€13k
Remuneration and social security454/9€13k
Other amounts payable47/48€50k
Income statement
Code2025
Remuneration, social security and pensions62€163k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€138k
Other operating charges640/8€3k
Gross operating margin9900€344k
Operating profit (loss)9901€40k
Financial charges65/66B€29k
Recurring financial charges65€29k
Profit (loss) for the period before taxes9903€11k
Income taxes67/77€4k
Profit (loss) for the period9904€6k
Profit (loss) for the period to be appropriated9905€6k
Appropriation of the result
Profit (loss) to be appropriated9906€6k
Transfer to equity691/2€6k
To other reserves6921€6k
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
NBB filing
Directors · office · real estate
Directors
1 act for this company is 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, Vorselaar · 1 establishment unit since 2024
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.
Lepelstraat 372290 VorselaarGround area
1,538 m²
Building footprint
451 m²
Volume, LiDAR
3,771 m³
Parcel 13044G0231/00K000, Flanders · tallest building 14.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Credinvest
since 20242.358.209.164
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13044G0231/00K000 | Flanders | 1,538 m² | 1 · 451 m² | 14.6 m · 3 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 1,681 companies in sector 66191 we hold annual accounts for 1,229. 575 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-03-2024
Fiscal year end31-12
Activities, NACEBEL
66191Agents and brokers in banking services
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress 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.
Contact details
1 entryE-mail:marc.bogaerts.14930@axa-bank.be