DAMEN is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €959k and a net result of €122k. Equity is growing by ~4.6% per year across the filed fiscal years. Its solvency ranks better than 95% of 1422 sector peers (fiscal year 2024). The company has been active since 2000 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
Two signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 14-07-2025, 17 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
17 d early
2023
13 d early
2022
35 d early
2021
38 d early
2020
19 d early
2019
18 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€959k▲ 14.6%
2023 · €837k
2018: €654k
2019: €780k
2020: €857k
2021: €729k
2022: €750k
2023: €837k
2018 → 2024
Net result
€122k▲ 39.7%
2023 · €87k
2018: €150k
2019: €126k
2020: €177k
2021: €186k
2022: €91k
2023: €87k
2018 → 2024
Total assets
€1.02M▲ 12.3%
2023 · €911k
2018: €795k
2019: €881k
2020: €963k
2021: €1.14M
2022: €842k
2023: €911k
2018 → 2024
Solvency
93.7%▲ 1.8pp
2023 · 91.9%
2018: 82.3%
2019: 88.5%
2020: 89.0%
2021: 63.9%
2022: 89.1%
2023: 91.9%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€857k-€729k▼ 14.9%€750k▲ 2.8%€837k▲ 11.6%€959k▲ 14.6%
Operating result€250k-€272k▲ 8.8%€149k▼ 45.4%€109k▼ 26.8%€160k▲ 47.3%
Net result€177k-€186k▲ 5.2%€91k▼ 51.1%€87k▼ 4.0%€122k▲ 39.7%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 47% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.02M
Fixed assets
€92k▼ 40.6%
Current assets
€931k▲ 23.2%
Equity and liabilities €1.02M
Equity
€959k▲ 14.6%
Debt
€65k▼ 13.0%
The debt ratio falls from 8.1% to 6.3%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
93.7%▲
2023 · 91.9%
ROE
12.7%▲
2023 · 10.4%
ROA
11.9%▲
2023 · 9.6%
Debt
€65k▼
2023 · €74k
Debt ≤ 1 year
€65k▼
2023 · €70k
Income taxes
€55k▲
2023 · €38k
Staff costs
€279k▲
2023 · €272k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€911k€1.02M▲
Fixed assets21/28€156k€92k▼
Intangible fixed assets21€41k€31k▼
Tangible fixed assets22/27€115k€62k▼
Plant, machinery and equipment23€681€752▲
Furniture and vehicles24€38k€21k▼
Other tangible fixed assets26€76k€40k▼
Financial fixed assets28€250€250=
Current assets29/58€756k€931k▲
Amounts receivable after more than one year29€133k€300k▲
Other amounts receivable291€133k€300k▲
Amounts receivable within one year40/41€185k€10k▼
Other amounts receivable41€185k€10k▼
Current investments50/53€89k€144k▲
Cash at bank and in hand54/58€294k€417k▲
Deferred charges and accrued income490/1€55k€61k▲
Equity and liabilities
Total equity and liabilities10/49€911k€1.02M▲
Equity10/15€837k€959k▲
Contributions10/11€19k€19k=
Reserves13€818k€940k▲
Distributable reserves133€818k€940k▲
Amounts payable17/49€74k€65k▼
Amounts payable after more than one year17€5k-
Financial debts170/4€5k-
Amounts payable within one year42/48€70k€65k▼
Current portion of amounts payable after more than one year42€10k€5k▼
Trade debts44€9k€7k▼
Suppliers440/4€9k€7k▼
Taxes, remuneration and social security45€47k€49k▲
Taxes450/3€10k€11k▲
Remuneration and social security454/9€37k€38k▲
Other amounts payable47/48€4k€5k▲
Income statement
Code20232024
Remuneration, social security and pensions62€272k€279k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€64k€64k▼
Other operating charges640/8€6k€3k▼
Non-recurring operating charges66A€282€20▼
Gross operating margin9900€451k€506k▲
Operating profit (loss)9901€109k€160k▲
Financial income75/76B€9k€11k▲
Recurring financial income75€9k€11k▲
Financial charges65/66B€-8k€-5k▲
Recurring financial charges65€-8k€-5k▲
Profit (loss) for the period before taxes9903€125k€177k▲
Income taxes67/77€38k€55k▲
Profit (loss) for the period9904€87k€122k▲
Profit (loss) for the period to be appropriated9905€87k€122k▲
Appropriation of the result
Profit (loss) to be appropriated9906€87k€122k▲
Transfer to equity691/2€87k€122k▲
To other reserves6921€87k€122k▲
Social balance
Average headcount (FTE)90874.34.3=
The notes to these accounts (12 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
18-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €87k ▼4%
Net result drops to €87k, the lowest in the series; recovery starts the following year.
26-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Liquidity quadruplescurrent ratio 8.06
Current ratio from 2.30 to 8.06; short-term debt falls from €386k to €77k.
23-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Highest result since 2018net €186k ▲5.2%
Operating result €272k, net result €186k, both a record.
12-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
18-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 18 days late
2019
09-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
21-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
10-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 10 days late
2016
20-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Putte · 1 establishment unit since 2001
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.
Mechelbaan 4472580 PutteGround area
1,214 m²
Building footprint
264 m²
Volume, LiDAR
1,700 m³
2 parcels, Flanders · tallest building 11.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Mechelbaan 376, 2580 Putte
since 20012.099.997.243
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12029B0903/00H000 | Flanders | 823 m² | 1 · 139 m² | 10.8 m · 2 fl. |
| 12029B0423/00K003 | Flanders | 392 m² | 1 · 125 m² | 11.2 m · 3 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.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 3 entries · 715 EUR awarded · 1,012 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 107 EUR | 107 EUR |
| 2023 | 1 | 309 EUR | 606 EUR |
| 2022 | 1 | 299 EUR | 299 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
254900WP6UI3FV31PR26
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Of 1,680 companies in sector 66191 we hold annual accounts for 1,229. 878 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-10-2000
Fiscal year end31-12
Activities, NACEBEL
66191Agents and brokers in banking services
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.