DE ZWARTE KAT 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 €154k and a net result of €-15k. Equity is growing by ~12.3% per year across the filed fiscal years. Its solvency ranks better than 55% of 9864 sector peers (fiscal year 2024). The company has been active since 1994 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 1 administrative register entry (see administrative flags).
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.
+raises risk○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 03-06-2025, 58 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
58 d early
2023
40 d early
2022
26 d early
2021
61 d early
2020
25 d early
2019
59 d early
← before the deadline
after the deadline →
raises risk · Administrative warnings in the KBO publications
1 publication by the FPS Economy about this company, such as a strike-off for address, accounts or UBO, or its withdrawal.
KBO publicationsPublications
Address struck
Financials · fiscal year 2024, micro schema
Equity
€154k▼ 8.6%
2023 · €168k
2018: €101k
2019: €83k
2020: €92k
2021: €143k
2022: €180k
2023: €168k
2018 → 2024
Net result
€-15k▼ 25.7%
2023 · €-12k
2018: €42k
2019: €-18k
2020: €9k
2021: €51k
2022: €37k
2023: €-12k
2018 → 2024
Total assets
€254k▼ 0.7%
2023 · €256k
2018: €347k
2019: €317k
2020: €317k
2021: €305k
2022: €288k
2023: €256k
2018 → 2024
Solvency
60.7%▼ 5.3pp
2023 · 65.9%
2018: 29.1%
2019: 26.1%
2020: 29.0%
2021: 46.9%
2022: 62.6%
2023: 65.9%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€92k-€143k▲ 55.7%€180k▲ 26.0%€168k▼ 6.4%€154k▼ 8.6%
Operating result€18k-€71k▲ 294%€63k▼ 11.4%€-9k€-7k▲ 20.7%
Net result€9k-€51k▲ 454%€37k▼ 27.3%€-12k€-15k▼ 25.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €7k in 2024 against €9k in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €254k
Fixed assets
€252k=
Current assets
€2k▼ 49.8%
Equity and liabilities €254k
Equity
€154k▼ 8.6%
Debt
€100k▲ 14.6%
The debt ratio rises from 34.1% to 39.3%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
60.7%▼
2023 · 65.9%
ROE
-9.5%▼
2023 · -6.9%
ROA
-5.7%▼
2023 · -4.5%
Debt
€100k▲
2023 · €87k
Debt ≤ 1 year
€100k▲
2023 · €87k
Staff costs
€1k▲
2023 · €-522
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€256k€254k▼
Fixed assets21/28€252k€252k=
Tangible fixed assets22/27€250k€250k=
Land and buildings22€250k€250k=
Financial fixed assets28€2k€2k=
Current assets29/58€4k€2k▼
Amounts receivable within one year40/41€4k€2k▼
Trade receivables40€2k-
Other amounts receivable41€2k€2k▼
Cash at bank and in hand54/58€10€262▲
Equity and liabilities
Total equity and liabilities10/49€256k€254k▼
Equity10/15€168k€154k▼
Contributions10/11€19k€19k=
Reserves13€150k€135k▼
Distributable reserves133€150k€135k▼
Amounts payable17/49€87k€100k▲
Amounts payable within one year42/48€87k€100k▲
Financial debts43€42k€51k▲
Credit institutions430/8€42k€51k▲
Taxes, remuneration and social security45€20k€119▼
Taxes450/3€20k€119▼
Other amounts payable47/48€25k€49k▲
Income statement
Code20232024
Remuneration, social security and pensions62€-522€1k▲
Other operating charges640/8€3k€3k▼
Non-recurring operating charges66A€533-
Gross operating margin9900€-6k€-3k▲
Operating profit (loss)9901€-9k€-7k▲
Financial income75/76B€5k-
Recurring financial income75€5k-
Financial charges65/66B€7k€7k▲
Recurring financial charges65€7k€7k▲
Profit (loss) for the period before taxes9903€-12k€-15k▼
Profit (loss) for the period9904€-12k€-15k▼
Profit (loss) for the period to be appropriated9905€-12k€-15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-12k€-15k▼
Transfer from equity791/2€12k€15k▲
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
2025
08-08
KBO administration
Address struck
03-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
21-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €150kEq €180k ▲26%
3 profitable years in a row build equity to €180k.
31-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €51k ▲454%
Operating result €71k, net result €51k, both a record.
31-12
Financial
Equity above €100kEq €143k ▲55.7%
2 profitable years in a row build equity to €143k.
06-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €9k
Net result €9k after one loss-making year.
02-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-18k ▼144%
Net result drops to €-18k, the lowest in the series; recovery starts the following year.
03-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
10-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 10 days late
2016
09-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 9 days late
SignalFinancial 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
1 establishment unit since 1994
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.
Ground area
132 m²
Building footprint
132 m²
Volume, LiDAR
1,609 m³
Parcel 41002A0868/00C000, Flanders · tallest building 16.0 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Kerkstraat 2, 9300 Aalst
since 19942.068.509.261
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41002A0868/00C000 | Flanders | 132 m² | 1 · 132 m² | 16.0 m · 4 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.
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Of 24,727 companies in sector 64210 we hold annual accounts for 19,759. 13,283 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-09-1994
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
68110Buying and selling of own real estate
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 30 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.