CROSSWALL
ActiveCROSSWALL has been active since 2010 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €145k and a net result of €30k. Equity is growing by ~35.7% per year across the filed fiscal years. Its solvency ranks better than 92% of 7993 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
93
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability84▲+29
Solvency100▲+31
Growth78=
Track record100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity ample (current ratio 24.99 against 1.79 in 2024; short-term debt: 3.8% and cash: 39.8% of total assets), and 9.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
90.8%
Return on assets
18.7%
Age of the figures
15 mo
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 30-01-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
42 d early
2023
5 d early
2022
on the day
2021
39 d early
2020
9 d early
2019
21 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 close21-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€145k▲ 25.9%
2024 · €115k
2019: €-59k
2020: €-21k
2021: €61k
2022: €94k
2023: €97k
2024: €115k
2019 → 2025
Total assets
€160k▼ 39.0%
2024 · €262k
2019: €130k
2020: €172k
2021: €267k
2022: €238k
2023: €256k
2024: €262k
2019 → 2025
Net result
€30k▲ 64.8%
2024 · €18k
2019: €-6k
2020: €38k
2021: €81k
2022: €34k
2023: €3k
2024: €18k
2019 → 2025
Working capital
€147k▲ 28.1%
2024 · €115k
2019: €-60k
2020: €-21k
2021: €61k
2022: €94k
2023: €94k
2024: €115k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€61k-€94k▲ 55.4%€97k▲ 3.0%€115k▲ 18.6%€145k▲ 25.9%
Operating result€93k-€52k▼ 43.6%€12k▼ 76.2%€28k▲ 121%€44k▲ 61.0%
Net result€81k-€34k▼ 58.7%€3k▼ 91.5%€18k▲ 537%€30k▲ 64.8%
Turnover and EBIT margin not published: the abbreviated 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 61% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €160k
Fixed assets
€7k▲ 115%
Current assets
€153k▼ 40.9%
Equity and liabilities €160k
Equity
€145k▲ 25.9%
Debt
€15k▼ 90.0%
The debt ratio falls from 56.0% to 9.2%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
90.8%▲
2024 · 44.0%
Current ratio
24.99▲
2024 · 1.79
Quick ratio
24.99▲
2024 · 1.79
Debt / equity
0.10▼
2024 · 1.27
ROE
20.6%▲
2024 · 15.7%
ROA
18.7%▲
2024 · 6.9%
Debt
€15k▼
2024 · €147k
Debt ≤ 1 year
€6k▼
2024 · €144k
Income taxes
€15k▲
2024 · €8k
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€262k€160k▼
Fixed assets21/28€3k€7k▲
Tangible fixed assets22/27€3k€7k▲
Other tangible fixed assets26€3k€7k▲
Current assets29/58€259k€153k▼
Amounts receivable within one year40/41€14k€40k▲
Trade receivables40€6k€21k▲
Other amounts receivable41€7k€19k▲
Current investments50/53€45k€43k▼
Cash at bank and in hand54/58€200k€64k▼
Deferred charges and accrued income490/1€240€7k▲
Equity and liabilities
Total equity and liabilities10/49€262k€160k▼
Equity10/15€115k€145k▲
Contributions10/11€50k€50k=
Reserves13€65k€95k▲
Distributable reserves133€65k€95k▲
Amounts payable17/49€147k€15k▼
Amounts payable within one year42/48€144k€6k▼
Trade debts44€17k€2k▼
Suppliers440/4€17k€2k▼
Taxes, remuneration and social security45€2k€4k▲
Taxes450/3€2k€4k▲
Other amounts payable47/48€125k€16▼
Accrued charges and deferred income492/3€2k€9k▲
Income statement
Code20242025
Remuneration, social security and pensions62€11k-
Other operating charges640/8€585€513▼
Gross operating margin9900€39k€45k▲
Operating profit (loss)9901€28k€44k▲
Financial income75/76B€2k€3k▲
Recurring financial income75€2k€3k▲
Financial charges65/66B€3k€3k▼
Recurring financial charges65€3k€3k▼
Profit (loss) for the period before taxes9903€27k€44k▲
Income taxes67/77€8k€15k▲
Profit (loss) for the period9904€18k€30k▲
Profit (loss) for the period to be appropriated9905€18k€30k▲
Appropriation of the result
Profit (loss) to be appropriated9906€18k€30k▲
Transfer to equity691/2€18k€30k▲
To other reserves6921€18k€30k▲
Social balance
Average headcount (FTE)90870.2-
The notes to these accounts (4 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
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-06
Financial
Liquidity times 14current ratio 24.99
Current ratio from 1.79 to 24.99; short-term debt falls from €144k to €6k.
2024
20-12
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
30-06
Financial
Equity above €100kEq €115k ▲18.6%
5 profitable years in a row build equity to €115k.
26-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2021
23-12
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
30-06
Financial
Highest result since 2019net €81k ▲113%
Operating result €93k, net result €81k, both a record.
22-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-06
Financial
Back to profitnet €38k
Net result €38k after one loss-making year.
10-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
29-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
29-12
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
23-01
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
5 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, Roeselare · 1 establishment unit since 2011
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.
Ter Reigerie 58800 RoeselareGround area
1.4 ha
Building footprint
1,030 m²
Volume, LiDAR
10,927 m³
Parcel 36504D0232/00T000, Flanders · tallest building 13.9 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
WIGWAM TODAY
since 20112.195.127.222
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36504D0232/00T000 | Flanders | 1.4 ha | 1 · 1,029 m² | 13.9 m · 4 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
HESBY MATERIAUX
BE 0744.830.138
Flémalle · Eq €146k
Atlas Bouwmaterialen
BE 1000.349.815
Antwerpen · Eq €146k
BAGNO GROUP
BE 0768.453.893
Bornem · Eq €146k
GREEN PRODUCT
BE 0779.335.018
Herstal · Eq €147k
Meesters Bouwmaterialen
BE 0700.682.864
Kontich · Eq €147k
Of 1,803 companies in sector 46831 we hold annual accounts for 1,397. 880 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-12-2010
Fiscal year end30-06
Activities, NACEBEL
46831Wholesale of construction materials, general range
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.