CUBERDONIË
ActiveCUBERDONIË 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 €1.79M and a net result of €-21k. Equity remains stable across the filed fiscal years (±1.1% per year). Its solvency ranks better than 75% of 7962 sector peers (fiscal year 2025). The company has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals.
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 07-07-2026, 24 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
24 d early
2024
19 d late
2023
47 d early
2022
49 d early
2021
51 d early
2020
2 d early
2019
91 d late
← 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.79M▼ 3.6%
2024 · €1.85M
2019: €1.91M
2020: €2.03M
2021: €1.99M
2022: €1.99M
2023: €2.53M
2024: €1.85M
2019 → 2025
Net result
€-21k▲ 96.4%
2024 · €-601k
2019: €77k
2020: €122k
2021: €-42k
2022: €-4k
2023: €543k
2024: €-601k
2019 → 2025
Total assets
€2.28M▼ 1.7%
2024 · €2.33M
2019: €5.46M
2020: €5.46M
2021: €5.37M
2022: €5.40M
2023: €5.44M
2024: €2.33M
2019 → 2025
Solvency
78.2%▼ 1.5pp
2024 · 79.7%
2019: 35.0%
2020: 37.2%
2021: 37.1%
2022: 36.8%
2023: 46.5%
2024: 79.7%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.99M-€1.99M▼ 0.2%€2.53M▲ 27.3%€1.85M▼ 26.8%€1.79M▼ 3.6%
Operating result€-17k-€53k€97k▲ 84.4%€303k▲ 211%€-31k
Net result€-42k-€-4k▲ 90.8%€543k€-601k€-21k▲ 96.4%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €31k after €303k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.28M
Fixed assets
€26k=
Current assets
€2.26M▼ 1.8%
Equity and liabilities €2.28M
Equity
€1.79M▼ 3.6%
Debt
€499k▲ 5.6%
The debt ratio rises from 20.3% to 21.8%: debt grows while equity shrinks.
Key figures and ratios
Solvency
78.2%▼
2024 · 79.7%
ROE
-1.2%▲
2024 · -32.4%
ROA
-0.9%▲
2024 · -25.9%
Debt
€499k▲
2024 · €472k
Debt ≤ 1 year
€449k▲
2024 · €422k
Debt > 1 year
€50k=
2024 · €50k
Income taxes
€0▼
2024 · €64k
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€2.33M€2.28M▼
Fixed assets21/28€26k€26k=
Tangible fixed assets22/27€26k€26k=
Plant, machinery and equipment23€2k€2k=
Furniture and vehicles24€24k€24k=
Current assets29/58€2.30M€2.26M▼
Amounts receivable after more than one year29€40k€40k=
Other amounts receivable291€40k€40k=
Stocks and contracts in progress3€2k€3k▲
Stocks30/36€2k€3k▲
Amounts receivable within one year40/41€337k€337k▲
Trade receivables40€1k€1k▼
Other amounts receivable41€335k€336k▲
Current investments50/53€1.00M-
Cash at bank and in hand54/58€915k€1.88M▲
Deferred charges and accrued income490/1€6k€510▼
Equity and liabilities
Total equity and liabilities10/49€2.33M€2.28M▼
Equity10/15€1.85M€1.79M▼
Contributions10/11€1.65M€1.65M=
Reserves13€203k€136k▼
Distributable reserves133€203k€136k▼
Amounts payable17/49€472k€499k▲
Amounts payable after more than one year17€50k€50k=
Financial debts170/4€50k€50k=
Amounts payable within one year42/48€422k€449k▲
Financial debts43-€25
Credit institutions430/8-€25
Trade debts44€4k€3k▼
Suppliers440/4€4k€3k▼
Taxes, remuneration and social security45€6k-
Taxes450/3€6k-
Other amounts payable47/48€412k€446k▲
Accrued charges and deferred income492/3€17-
Income statement
Code20242025
Non-recurring operating income76A€359k-
Remuneration, social security and pensions62€29k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k-
Other operating charges640/8€29k€4k▼
Gross operating margin9900€368k€-27k▼
Operating profit (loss)9901€303k€-31k▼
Financial income75/76B€7k€11k▲
Recurring financial income75€7k€11k▲
Financial charges65/66B€848k€893▼
Recurring financial charges65€34k€893▼
Non-recurring financial charges66B€814k-
Profit (loss) for the period before taxes9903€-537k€-21k▲
Income taxes67/77€64k€0▼
Profit (loss) for the period9904€-601k€-21k▲
Profit (loss) for the period to be appropriated9905€-601k€-21k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-601k€-21k▲
Transfer from equity791/2€678k€67k▼
Profit to be distributed694/7€77k€45k▼
Return on contributions (dividend)694€77k€45k▼
Social balance
Average headcount (FTE)90870.2-
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
07-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
19-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 19 days late
2024
31-12
Financial
Weakest financial yearnet €-601k ▼211%
Net result drops to €-601k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 130current ratio 5.45
Current ratio from 0.04 to 5.45; short-term debt falls from €2.88M to €422k.
14-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Back to profitnet €543k
Net result €543k after 2 loss-making years.
31-12
Financial
Equity above €2MEq €2.53M ▲27.3%
Equity rises from €1.99M to €2.53M.
12-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
10-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Equity above €2MEq €2.03M ▲6.4%
2 profitable years in a row build equity to €2.03M.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 91 days late
2019
15-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
02-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
30-12
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
1 director, no change since 2024
GELDHOF Jo
CurrentStatutaire bestuurder · since 11-06-2024
11-06-2024
Appointed as Statutaire bestuurder
Location & real-estate footprint
Registered office, Aalter · 1 establishment unit since 2012
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.
Hendelstraat 239910 AalterGround area
2,534 m²
Building footprint
364 m²
Volume, LiDAR
1,783 m³
2 parcels, Flanders · tallest building 9.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Hendelstraat 23A, 9910 Aalter
since 20122.206.153.053
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44067A0179/00T000 | Flanders | 1,394 m² | 1 · 206 m² | 6.9 m · 1 fl. |
| 44067A0179/00Z000 | Flanders | 1,140 m² | 1 · 157 m² | 9.6 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 801 companies in sector 64999 we hold annual accounts for 482. 220 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-12-2011
Fiscal year end31-12
Activities, NACEBEL
64999Other financial services
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:jo@conf-geldhof.be