Summary
CYMINVEST 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 €14.48M and a net result of €349k. Equity remains stable across the filed fiscal years (±2.2% per year). Its solvency ranks better than 95% of 2435 sector peers (fiscal year 2025). The company has been active since 2021 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 check for your own amount and term
Signals
1 signal. 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 03-07-2026, 28 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
28 d early
2024
19 d late
2023
58 d early
2022
47 d early
2021
27 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€14.48M▲ 2.5%
2024 · €14.13M
2021: €13.12M
2022: €13.79M
2023: €13.95M
2024: €14.13M
2021 → 2025
Net result
€349k▲ 91.8%
2024 · €182k
2021: €773k
2022: €666k
2023: €187k
2024: €182k
2021 → 2025
Total assets
€14.52M▲ 2.8%
2024 · €14.13M
2021: €13.41M
2022: €13.93M
2023: €13.98M
2024: €14.13M
2021 → 2025
Solvency
99.7%▼ 0.3pp
2024 · 100.0%
2021: 97.9%
2022: 99.0%
2023: 99.8%
2024: 100.0%
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€13.12M-€13.79M▲ 5.1%€13.95M▲ 1.1%€14.13M▲ 1.3%€14.48M▲ 2.5%
Operating result€5k-€134k▲ 2,772%€203k▲ 51.9%€175k▼ 13.9%€171k▼ 2.5%
Net result€773k-€666k▼ 13.9%€187k▼ 71.9%€182k▼ 2.8%€349k▲ 91.8%
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 2% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €14.52M
Fixed assets
€1.33M ▼ 8.3%
Current assets
€13.19M ▲ 4.1%
Equity and liabilities €14.52M
Equity
€14.48M
Debt
€46k
Debt finances 0.3% of the balance-sheet total.
Key figures and ratios
ROE
2.4%▲
2024 · 1.3%
ROA
2.4%▲
2024 · 1.3%
Debt ≤ 1 year
€46k
Income taxes
€72k▲
2024 · €49k
A ratio outside any meaningful range has been withheld (balance sheet total €14.52M, equity €14.48M).
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 · 39 lines
Balance sheet
Code20242025
Assets
Total assets20/58€14.13M€14.52M▲
Fixed assets21/28€1.45M€1.33M▼
Tangible fixed assets22/27€1.45M€1.33M▼
Land and buildings22€1.45M€1.33M▼
Current assets29/58€12.68M€13.19M▲
Amounts receivable within one year40/41€18k€31k▲
Other amounts receivable41€18k€31k▲
Current investments50/53€12.62M€12.88M▲
Cash at bank and in hand54/58€37k€280k▲
Equity and liabilities
Total equity and liabilities10/49€14.13M€14.52M▲
Equity10/15€14.13M€14.48M▲
Contributions10/11€169k€169k=
Reserves13€13.96M€14.31M▲
Tax-exempt reserves132€160k€160k=
Distributable reserves133€13.80M€14.15M▲
Amounts payable17/49-€46k
Amounts payable within one year42/48-€46k
Trade debts44-€636
Suppliers440/4-€636
Taxes, remuneration and social security45-€45k
Taxes450/3-€23k
Remuneration and social security454/9-€23k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€127k€120k▼
Other operating charges640/8€51k€55k▲
Gross operating margin9900€352k€345k▼
Operating profit (loss)9901€175k€171k▼
Financial income75/76B€113k€277k▲
Recurring financial income75€113k€277k▲
Financial charges65/66B€57k€27k▼
Recurring financial charges65€57k€27k▼
Profit (loss) for the period before taxes9903€231k€421k▲
Income taxes67/77€49k€72k▲
Profit (loss) for the period9904€182k€349k▲
Transfer from tax-exempt reserves789€665k-
Transfer to tax-exempt reserves689€76k-
Profit (loss) for the period to be appropriated9905€772k€349k▼
Appropriation of the result
Profit (loss) to be appropriated9906€772k€349k▼
Transfer to equity691/2€772k€349k▼
To other reserves6921€772k€349k▼
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
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
19-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 19 days late
2024
31-12
Financial
Weakest financial yearnet €182k ▼2.8%
Net result drops to €182k, the lowest in the series; recovery starts the following year.
03-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity times 5current ratio 414.43
Current ratio from 84.96 to 414.43; short-term debt falls from €144k to €30k.
14-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity doublescurrent ratio 84.96
Current ratio from 41.86 to 84.96; short-term debt falls from €281k to €144k.
04-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
Directors · office · real estate
Directors
3 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, Mons · 1 establishment unit since 2021
Ground area
168 m²
Building footprint
61 m²
Parcel 53403E0173/00B000, Wallonia. Linked by address, not a title deed.
2
companies at this address
See who is registered here
1 establishment unit
CYMINVEST
since 20212.314.564.609
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53403E0173/00B000 ProtectedSite or landscape |
Wallonia | 168 m² | 1 · 61 m² | - |
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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Recognitions · licences · registrations
Legal Entity Identifier
9845001FC00C3DA0Z526
Similar companies · same sector, comparable size
MapLE AKoustic Lht
BE 0770.759.129
Mons · Eq €16.45M
SWENDEN
BE 0425.154.760
Rumst · Eq €12.30M
NICO HOLDING
BE 0668.548.645
Fontaine-l'Evêque · Eq €12.14M
STATER BELGIUM
BE 0473.774.625
Brussel · Eq €11.77M
i3-Group Holding
BE 0848.517.594
Diest · Eq €18.26M
Of 591 companies in sector 66300 we hold annual accounts for 365. 71 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 formPrivate limited company
Founded15-01-2021
Fiscal year end31-12
Activities, NACEBEL 2025
66300Activities auxiliary to financial services and insurance activities
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
68204Real estate activities
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.