De Keuvel 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 €3.20M and a net result of €1.12M. Equity is growing by ~9% per year across the filed fiscal years. Its solvency ranks better than 80% of 5498 sector peers (fiscal year 2025). The company has been active since 2005 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 26-06-2026, 35 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
35 d early
2024
2 d early
2023
7 d early
2022
6 d early
2021
2 d early
2020
29 d early
2019
4 d early
← 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€3.20M▲ 5.1%
2024 · €3.05M
2018: €1.77M
2019: €1.86M
2020: €1.99M
2021: €2.22M
2022: €2.30M
2023: €2.54M
2024: €3.05M
2018 → 2025
Net result
€1.12M▲ 32.6%
2024 · €845k
2018: €211k
2019: €94k
2020: €128k
2021: €228k
2022: €720k
2023: €243k
2024: €845k
2018 → 2025
Total assets
€3.77M▲ 3.7%
2024 · €3.63M
2018: €1.81M
2019: €1.91M
2020: €2.13M
2021: €2.55M
2022: €2.82M
2023: €3.01M
2024: €3.63M
2018 → 2025
Solvency
85.0%▲ 1.1pp
2024 · 83.8%
2018: 97.8%
2019: 97.7%
2020: 93.4%
2021: 87.0%
2022: 81.6%
2023: 84.5%
2024: 83.8%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2.22M-€2.30M▲ 3.7%€2.54M▲ 10.6%€3.05M▲ 19.8%€3.20M▲ 5.1%
Operating result€131k-€149k▲ 13.2%€57k▼ 61.4%€-103k€-47k▲ 54.9%
Net result€228k-€720k▲ 216%€243k▼ 66.2%€845k▲ 248%€1.12M▲ 32.6%
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 stays negative: a loss of €47k in 2025 against €103k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.77M
Fixed assets
€2.56M▲ 8.9%
Current assets
€1.21M▼ 5.8%
Equity and liabilities €3.77M
Equity
€3.20M▲ 5.1%
Debt
€567k▼ 3.6%
The debt ratio falls from 16.2% to 15.0%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
85.0%▲
2024 · 83.8%
ROE
35.0%▲
2024 · 27.7%
ROA
29.7%▲
2024 · 23.3%
Debt
€567k▼
2024 · €588k
Debt ≤ 1 year
€323k▲
2024 · €319k
Debt > 1 year
€243k▼
2024 · €269k
Income taxes
€91▼
2024 · €189
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€3.63M€3.77M▲
Fixed assets21/28€2.35M€2.56M▲
Tangible fixed assets22/27€561k€760k▲
Land and buildings22€492k€614k▲
Plant, machinery and equipment23€2k€2k▲
Furniture and vehicles24€67k€134k▲
Other tangible fixed assets26-€10k
Financial fixed assets28€1.79M€1.80M▲
Current assets29/58€1.28M€1.21M▼
Amounts receivable after more than one year29€96k€96k=
Other amounts receivable291€96k€96k=
Amounts receivable within one year40/41€387k€181k▼
Trade receivables40€102k€155k▲
Other amounts receivable41€286k€26k▼
Current investments50/53€10€10=
Cash at bank and in hand54/58€798k€928k▲
Deferred charges and accrued income490/1€3k€4k▲
Equity and liabilities
Total equity and liabilities10/49€3.63M€3.77M▲
Equity10/15€3.05M€3.20M▲
Contributions10/11€8k€8k=
Reserves13€1.95M€1.95M=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€1.95M€1.95M=
Profit (loss) carried forward14€1.09M€1.24M▲
Amounts payable17/49€588k€567k▼
Amounts payable after more than one year17€269k€243k▼
Financial debts170/4€269k€243k▼
Amounts payable within one year42/48€319k€323k▲
Current portion of amounts payable after more than one year42€26k€27k▲
Trade debts44€275k€246k▼
Suppliers440/4€275k€246k▼
Taxes, remuneration and social security45€17k€21k▲
Taxes450/3€12k€17k▲
Remuneration and social security454/9€4k€4k=
Other amounts payable47/48-€29k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€35k€31k▼
Other operating charges640/8€3k€4k▲
Gross operating margin9900€-65k€-11k▲
Operating profit (loss)9901€-103k€-47k▲
Financial income75/76B€953k€1.18M▲
Recurring financial income75€953k€1.18M▲
Financial charges65/66B€4k€12k▲
Recurring financial charges65€4k€12k▲
Profit (loss) for the period before taxes9903€845k€1.12M▲
Income taxes67/77€189€91▼
Profit (loss) for the period9904€845k€1.12M▲
Profit (loss) for the period to be appropriated9905€845k€1.12M▲
Appropriation of the result
Profit (loss) to be appropriated9906€1.09M€2.21M▲
Profit (loss) brought forward from the previous period14P€243k€1.09M▲
Transfer from equity791/2€341k-
Profit to be distributed694/7€341k€965k▲
Return on contributions (dividend)694€341k€965k▲
The notes to these accounts (17 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
26-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €1.12M ▲32.6%
Net result €1.12M, the highest in the series.
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Equity above €2MEq €2.22M ▲11.5%
4 profitable years in a row build equity to €2.22M.
02-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
27-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €94k ▼55.5%
Net result drops to €94k, the lowest in the series; recovery starts the following year.
19-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
13-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 13 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Knokke-Heist · 1 establishment unit since 2005
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.
Kalfstraat 358300 Knokke-HeistGround area
3.3 ha
Building footprint
170 m²
Volume, LiDAR
710 m³
2 parcels, Flanders · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Kalfstraat 3, 8300 Knokke-Heist
since 20052.176.594.777
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31333I0939/00B000 | Flanders | 3.2 ha | 1 · 37 m² | 0.0 m |
| 31333K0571/00P000 | Flanders | 1,118 m² | 1 · 132 m² | 9.2 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.
Recognitions · licences · registrations
Legal Entity Identifier
699400VDTQD9V9CMV177
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Of 24,726 companies in sector 64210 we hold annual accounts for 19,747. 9,504 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-07-2005
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
46170Agents in the wholesale of food, beverages and tobacco
46349Wholesale of beverages, general range
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.