DELFINKA
ActiveDELFINKA 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 €3.38M and a net result of €15k. Equity remains stable across the filed fiscal years (±1.2% per year). Its solvency ranks better than 84% of 5491 sector peers (fiscal year 2025). The company has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €3.4M
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
1 d early
2023
33 d early
2022
31 d early
2021
30 d early
2020
11 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€3.38M▲ 617%
2024 · €471k
2018: €435k
2019: €446k
2020: €468k
2021: €421k
2022: €335k
2023: €308k
2024: €471k
2018 → 2025
Net result
€15k▼ 92.5%
2024 · €202k
2018: €39k
2019: €12k
2020: €27k
2021: €59k
2022: €77k
2023: €77k
2024: €202k
2018 → 2025
Total assets
€3.78M▲ 338%
2024 · €863k
2018: €960k
2019: €903k
2020: €916k
2021: €801k
2022: €659k
2023: €723k
2024: €863k
2018 → 2025
Solvency
89.4%▲ 34.8pp
2024 · 54.6%
2018: 45.3%
2019: 49.4%
2020: 51.1%
2021: 52.5%
2022: 50.9%
2023: 42.6%
2024: 54.6%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€421k-€335k▼ 20.3%€308k▼ 8.1%€471k▲ 52.9%€3.38M▲ 617%
Operating result€88k-€113k▲ 29.7%€119k▲ 5.0%€106k▼ 11.0%€50k▼ 52.7%
Net result€59k-€77k▲ 30.7%€77k▲ 0.7%€202k▲ 161%€15k▼ 92.5%
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 has fallen two years in a row; 2025 is 53% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.78M
Fixed assets
€3.14M▲ 1,044%
Current assets
€640k▲ 8.8%
Equity and liabilities €3.78M
Equity
€3.38M▲ 617%
Debt
€401k▲ 2.3%
The debt ratio falls from 45.4% to 10.6%: equity grows faster than debt.
Key figures and ratios
Solvency
89.4%▲
2024 · 54.6%
ROE
0.4%▼
2024 · 42.9%
ROA
0.4%▼
2024 · 23.4%
Debt
€401k▲
2024 · €392k
Debt ≤ 1 year
€367k▲
2024 · €349k
Debt > 1 year
€34k▼
2024 · €42k
Income taxes
€11k▼
2024 · €47k
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€863k€3.78M▲
Fixed assets21/28€274k€3.14M▲
Tangible fixed assets22/27€161k€125k▼
Plant, machinery and equipment23€4k€3k▼
Furniture and vehicles24€56k€42k▼
Other tangible fixed assets26€100k€80k▼
Financial fixed assets28€114k€3.01M▲
Current assets29/58€588k€640k▲
Amounts receivable within one year40/41€329k€402k▲
Trade receivables40€995-
Other amounts receivable41€328k€402k▲
Cash at bank and in hand54/58€252k€233k▼
Deferred charges and accrued income490/1€7k€5k▼
Equity and liabilities
Total equity and liabilities10/49€863k€3.78M▲
Equity10/15€471k€3.38M▲
Contributions10/11€12k€2.91M▲
Reserves13€458k€465k▲
Tax-exempt reserves132€9k€9k=
Distributable reserves133€449k€456k▲
Amounts payable17/49€392k€401k▲
Amounts payable after more than one year17€42k€34k▼
Financial debts170/4€42k€34k▼
Amounts payable within one year42/48€349k€367k▲
Current portion of amounts payable after more than one year42€14k€9k▼
Trade debts44€5k€784▼
Suppliers440/4€5k€784▼
Taxes, remuneration and social security45€13k€13k▲
Taxes450/3€13k€13k▲
Other amounts payable47/48€318k€344k▲
Accrued charges and deferred income492/3€405€426▲
Income statement
Code20242025
Non-recurring operating income76A€4k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€35k€36k▲
Other operating charges640/8€3k€3k▲
Gross operating margin9900€144k€89k▼
Operating profit (loss)9901€106k€50k▼
Financial income75/76B€172k€18k▼
Recurring financial income75€172k€18k▼
Financial charges65/66B€30k€42k▲
Recurring financial charges65€30k€42k▲
Profit (loss) for the period before taxes9903€248k€26k▼
Income taxes67/77€47k€11k▼
Profit (loss) for the period9904€202k€15k▼
Profit (loss) for the period to be appropriated9905€202k€15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€202k€15k▼
Transfer from equity791/2€39k€7k▼
Transfer to equity691/2€202k€14k▼
To other reserves6921€202k€14k▼
Profit to be distributed694/7€39k€8k▼
Return on contributions (dividend)694€39k€8k▼
The notes to these accounts (16 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Equity above €2MEq €3.38M ▲617%
8 profitable years in a row build equity to €3.38M.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €202k ▲161%
Net result €202k, the highest in the series.
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
20-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
27-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Weakest financial yearnet €12k ▼70.3%
Net result drops to €12k, the lowest in the series; recovery starts the following year.
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2020
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
16-03-2020
Resigned as Manager
Location & real-estate footprint
Registered office, Kalmthout · 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.
Essensteenweg (Nm) 882920 KalmthoutGround area
2,284 m²
Building footprint
189 m²
Volume, LiDAR
1,033 m³
Parcel 11662C0201/00M005, Flanders · tallest building 8.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Delfinka
since 20012.097.867.104
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11662C0201/00M005 | Flanders | 2,284 m² | 1 · 189 m² | 8.6 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.
Similar companies · same sector, comparable size
Munt Dental
BE 0738.837.617
Overijse · Eq €3.37M
ECETIA FINANCES
BE 0203.978.726
Liège · Eq €3.28M
GOPAX INVESTMENT
BE 0897.655.717
Maaseik · Eq €3.26M
HOME CLEAN SERVICES
BE 0865.284.243
Namur · Eq €3.21M
ENTWICKLUNGS- UND BETEILIGUNGSGESELLSCHAFT OSTBELGIENS
BE 0437.216.117
Eupen · Eq €3.65M
Of 801 companies in sector 64999 we hold annual accounts for 482. 180 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-01-2001
Fiscal year end31-12
Activities, NACEBEL
64999Other financial services
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.