Summary
de fundering 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 €8.55M and a net result of €619k. Equity remains stable across the filed fiscal years (±0.2% per year). Its solvency ranks better than 92% of 1475 sector peers (fiscal year 2025). The company has been active since 1955 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
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 09-06-2026, 52 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
52 d early
2024
42 d early
2023
89 d early
2022
81 d early
2021
101 d early
2020
136 d early
2019
113 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, abbreviated schema
Equity
€8.55M▲ 7.6%
2024 · €7.94M
2019: €8.02M
2020: €8.00M
2022: €7.97M
2023: €7.96M
2024: €7.94M
2019 → 2025
Net result
€619k
2024 · €0
2020: €0
2022: €0
2023: €12k
2024: €0
2020 → 2025
Total assets
€9.37M▼ 3.3%
2024 · €9.69M
2019: €14.43M
2020: €13.78M
2022: €10.82M
2023: €10.53M
2024: €9.69M
2019 → 2025
Solvency
91.3%▲ 9.3pp
2024 · 82.0%
2019: 55.6%
2020: 58.1%
2022: 73.6%
2023: 75.6%
2024: 82.0%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202022202320242025Trend
Turnover€5k-€11k▲ 115%€14k▲ 27.7%€14k▲ 0.1%€13k▼ 5.0%
Equity€8.00M-€7.97M▼ 0.4%€7.96M▼ 0.1%€7.94M▼ 0.2%€8.55M▲ 7.6%
Operating result€-774-€-369▲ 52.3%€256k€-2k€618k
Net result€0-€0€12k€0▼ 100%€619k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €618k after a loss of €2k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €9.37M
Fixed assets
€7.99M ▼ 7.1%
Current assets
€1.38M ▲ 26.9%
Equity and liabilities €9.37M
Equity
€8.55M ▲ 7.6%
Provisions
€69k =
Debt
€750k ▼ 55.2%
Debt's share of the balance-sheet total falls from 17.3% to 8.0%. Equity is higher and debt is lower.
Key figures and ratios
ROE
7.2%▲
2024 · 0.0%
ROA
6.6%▲
2024 · 0.0%
Debt ≤ 1 year
€327k▼
2024 · €354k
Debt > 1 year
€418k▼
2024 · €1.32M
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 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€9.69M€9.37M▼
Fixed assets21/28€8.61M€7.99M▼
Tangible fixed assets22/27€8.24M€7.63M▼
Land and buildings22€7.81M€7.11M▼
Plant, machinery and equipment23€4k€61k▲
Assets under construction and advance payments27€428k€454k▲
Financial fixed assets28€361k€361k=
Current assets29/58€1.08M€1.38M▲
Amounts receivable within one year40/41€755k€1.06M▲
Trade receivables40€688k€988k▲
Other amounts receivable41€67k€75k▲
Current investments50/53€260k€240k▼
Cash at bank and in hand54/58€51k€61k▲
Deferred charges and accrued income490/1€17k€12k▼
Equity and liabilities
Total equity and liabilities10/49€9.69M€9.37M▼
Equity10/15€7.94M€8.55M▲
Contributions10/11€5.64M€5.64M=
Capital10€5.64M€5.64M=
Profit (loss) carried forward14€2.19M€2.81M▲
Investment grants15€117k€100k▼
Provisions and deferred taxes16€69k€69k=
Provisions for liabilities and charges160/5€69k€69k=
Major repairs and maintenance162€69k€69k=
Amounts payable17/49€1.68M€750k▼
Amounts payable after more than one year17€1.32M€418k▼
Financial debts170/4€1.32M€418k▼
Amounts payable within one year42/48€354k€327k▼
Trade debts44€303k€302k▼
Suppliers440/4€303k€302k▼
Advances received on contracts in progress46€1k€1k▼
Taxes, remuneration and social security45€50k€24k▼
Taxes450/3€50k€24k▼
Accrued charges and deferred income492/3€5k€5k▲
Income statement
Code20242025
Turnover70€14k€13k▼
Goods, raw materials, services and sundry goods60/61€1.38M€1.41M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€903k€703k▼
Other operating charges640/8€2k€1k▼
Gross operating margin9900€904k€1.32M▲
Operating profit (loss)9901€-2k€618k▲
Financial income75/76B€2k€2k▼
Recurring financial income75€2k€2k▼
Financial charges65/66B€928€644▼
Recurring financial charges65€928€644▼
Profit (loss) for the period before taxes9903€0€619k▲
Profit (loss) for the period9904€0€619k▲
Profit (loss) for the period to be appropriated9905€0€619k▲
Appropriation of the result
Profit (loss) to be appropriated9906€2.19M€2.81M▲
Profit (loss) brought forward from the previous period14P€2.19M€2.19M=
The notes to these accounts (9 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
09-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Back to profitnet €619k
Net result €619k after one loss-making year.
19-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
03-05
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Back to profitnet €12k
Net result €12k after 2 loss-making years.
11-05
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Liquidity quadruplescurrent ratio 51.94
Current ratio from 14.57 to 51.94; short-term debt falls from €142k to €17k.
21-04
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
17-03
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
09-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
02-05
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
30-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
16-06
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
14 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, Gent
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.
Poel 79000 GentGround area
2,106 m²
Building footprint
1,456 m²
Parcel 44815F1328/00E000, Flanders. Linked by address, not a title deed.
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44815F1328/00E000 | Flanders | 2,106 m² | 1 · 1,456 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).
Public money · subsidies and aid
Flemish government
2022 to 2025 · 3 entries · 195,657 EUR awarded| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 71,546 EUR | 0 EUR |
| 2023 | 1 | 45,683 EUR | 0 EUR |
| 2022 | 1 | 78,428 EUR | 0 EUR |
Schemes
Erfgoedpremie voor beschermde monumenten en landschappen - standaardprocedure
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Of 1,507 companies in sector 66199 we hold annual accounts for 917. 214 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 formNon-profit association
Founded24-12-1955
Fiscal year end31-12
Activities, NACEBEL 2025
66199Other activities auxiliary to financial services, excluding insurance and pension funding
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.