De Cockpit 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 €154k and a net result of €8k. Equity is growing by ~34% per year across the filed fiscal years. Its solvency ranks better than 63% of 8018 sector peers (fiscal year 2025). The company has been active since 2017 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
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 01-07-2026, 30 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
30 d early
2024
69 d late
2023
30 d late
2022
30 d late
2021
26 d late
2020
40 d late
2019
38 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€154k▲ 5.6%
2024 · €146k
2018: €26k
2019: €51k
2020: €35k
2021: €66k
2022: €135k
2023: €186k
2024: €146k
2018 → 2025
Net result
€8k
2024 · €-40k
2018: €20k
2019: €25k
2020: €-16k
2021: €60k
2022: €115k
2023: €81k
2024: €-40k
2018 → 2025
Total assets
€232k▼ 1.3%
2024 · €235k
2018: €92k
2019: €117k
2020: €170k
2021: €229k
2022: €277k
2023: €264k
2024: €235k
2018 → 2025
Solvency
66.3%▲ 4.4pp
2024 · 61.9%
2018: 27.9%
2019: 43.4%
2020: 20.5%
2021: 28.7%
2022: 48.7%
2023: 70.3%
2024: 61.9%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€66k-€135k▲ 105%€186k▲ 37.7%€146k▼ 21.6%€154k▲ 5.6%
Operating result€58k-€63k▲ 9.3%€103k▲ 62.7%€-115k€15k
Net result€60k-€115k▲ 90.8%€81k▼ 29.1%€-40k€8k
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 returns to profit in 2025: €15k after a loss of €115k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €232k
Fixed assets
€96k▼ 0.2%
Current assets
€136k▼ 2.1%
Equity and liabilities €232k
Equity
€154k▲ 5.6%
Debt
€78k▼ 12.6%
The debt ratio falls from 38.1% to 33.7%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
66.3%▲
2024 · 61.9%
ROE
5.3%▲
2024 · -27.6%
ROA
3.5%▲
2024 · -17.1%
Debt
€78k▼
2024 · €90k
Debt ≤ 1 year
€75k▼
2024 · €90k
Income taxes
€381▲
2024 · €-6k
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€235k€232k▼
Fixed assets21/28€97k€96k▼
Tangible fixed assets22/27€21k€21k▼
Plant, machinery and equipment23€50€0▼
Furniture and vehicles24€6k€5k▼
Other tangible fixed assets26€15k€15k▲
Financial fixed assets28€76k€76k=
Current assets29/58€139k€136k▼
Amounts receivable within one year40/41€126k€128k▲
Trade receivables40€52k€77k▲
Other amounts receivable41€74k€50k▼
Cash at bank and in hand54/58€8k€8k▼
Deferred charges and accrued income490/1€4k€140▼
Equity and liabilities
Total equity and liabilities10/49€235k€232k▼
Equity10/15€146k€154k▲
Contributions10/11€19k€19k=
Reserves13€167k€135k▼
Non-distributable reserves130/1€2k€0▼
Reserves not available under the articles1311€2k€0▼
Distributable reserves133€165k€135k▼
Profit (loss) carried forward14€-40k€0▲
Amounts payable17/49€90k€78k▼
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€90k€75k▼
Current portion of amounts payable after more than one year42€1k€0▼
Trade debts44€9k€4k▼
Suppliers440/4€9k€4k▼
Taxes, remuneration and social security45€76€9k▲
Taxes450/3€76€9k▲
Other amounts payable47/48€79k€63k▼
Accrued charges and deferred income492/3€0€4k▲
Income statement
Code20242025
Remuneration, social security and pensions62€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k▼
Other operating charges640/8€788€2k▲
Non-recurring operating charges66A€121k€0▼
Gross operating margin9900€13k€24k▲
Operating profit (loss)9901€-115k€15k▲
Financial income75/76B€69k€89▼
Recurring financial income75€300€89▼
Non-recurring financial income76B€69k€0▼
Financial charges65/66B€627€7k▲
Recurring financial charges65€627€7k▲
Profit (loss) for the period before taxes9903€-46k€9k▲
Income taxes67/77€-6k€381▲
Profit (loss) for the period9904€-40k€8k▲
Profit (loss) for the period to be appropriated9905€-40k€8k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-40k€-32k▲
Profit (loss) brought forward from the previous period14P-€-40k
Transfer from equity791/2-€32k
Transfer to equity691/2€0-
To other reserves6921€0-
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
The notes to these accounts (13 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
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
31-12
Financial
Equity above €150kEq €154k ▲5.6%
Equity rises from €146k to €154k.
08-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 69 days late
2024
31-12
Financial
Weakest financial yearnet €-40k ▼149%
Net result drops to €-40k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 30 days late
2023
31-12
Financial
Equity above €150kEq €186k ▲37.7%
3 profitable years in a row build equity to €186k.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 30 days late
2022
31-12
Financial
Highest result since 2018net €115k ▲90.8%
Net result €115k, the highest in the series.
31-12
Financial
Equity above €100kEq €135k ▲105%
2 profitable years in a row build equity to €135k.
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 26 days late
2021
31-12
Financial
Back to profitnet €60k
Net result €60k after one loss-making year.
09-09
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 40 days late
2020
07-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 38 days late
2019
31-12
Financial
Liquidity doublescurrent ratio 2.15
Current ratio from 1.04 to 2.15; short-term debt falls from €34k to €31k.
22-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 22 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Mechelen · 1 establishment unit since 2017
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.
Stuivenbergvaart 1332800 MechelenGround area
410 m²
Building footprint
115 m²
Volume, LiDAR
654 m³
Parcel 12404F0221/00B002, Flanders · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
De Cockpit
since 20172.269.297.875
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12404F0221/00B002 | Flanders | 410 m² | 1 · 115 m² | 7.9 m · 2 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.
Public money · subsidies and aid
Flemish government
2022 to 2023 · 2 entries · 3,560 EUR awarded · 3,560 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 125 EUR | 125 EUR |
| 2022 | 1 | 3,435 EUR | 3,435 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 13,284 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-10-2017
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 8 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.