DELTOM
ActiveDELTOM 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 €75k and a net result of €21k. Equity is growing by ~44.4% per year across the filed fiscal years. Its solvency ranks better than 86% of 7962 sector peers (fiscal year 2025). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-08-2026, 21 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 3 filingsDeviation from the deadline
2025
21 d late
2024
28 d late
2023
33 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€75k▲ 39.7%
2024 · €54k
2023: €27k
2024: €54k
2023 → 2025
Net result
€21k▼ 19.4%
2024 · €26k
2023: €17k
2024: €26k
2023 → 2025
Total assets
€85k▲ 34.2%
2024 · €63k
2023: €58k
2024: €63k
2023 → 2025
Solvency
88.4%▲ 3.5pp
2024 · 85.0%
2023: 47.3%
2024: 85.0%
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€27k-€54k▲ 96.9%€75k▲ 39.7%
Operating result€23k-€35k▲ 51.9%€29k▼ 18.8%
Net result€17k-€26k▲ 53.2%€21k▼ 19.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 19% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €85k
Equity
€75k▲ 39.7%
Debt
€10k▲ 3.2%
The debt ratio falls from 15.0% to 11.6%: equity grows faster than debt.
Key figures and ratios
Solvency
88.4%▲
2024 · 85.0%
ROE
28.4%▼
2024 · 49.2%
ROA
25.1%▼
2024 · 41.8%
Debt
€10k▲
2024 · €9k
Debt ≤ 1 year
€10k▲
2024 · €9k
Income taxes
€7k▲
2024 · €7k
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€63k€85k▲
Fixed assets21/28€0-
Tangible fixed assets22/27€0-
Furniture and vehicles24€0-
Current assets29/58€63k€85k▲
Amounts receivable within one year40/41€8k€38▼
Trade receivables40€8k€0▼
Other amounts receivable41€0€38▲
Current investments50/53€6k€6k=
Cash at bank and in hand54/58€49k€79k▲
Equity and liabilities
Total equity and liabilities10/49€63k€85k▲
Equity10/15€54k€75k▲
Contributions10/11€10k€10k=
Reserves13€44k€65k▲
Distributable reserves133€44k€65k▲
Amounts payable17/49€9k€10k▲
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€9k€10k▲
Current portion of amounts payable after more than one year42€0-
Trade debts44€1k€902▼
Suppliers440/4€1k€902▼
Taxes, remuneration and social security45€8k€7k▼
Taxes450/3€8k€7k▼
Other amounts payable47/48€413€2k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€0-
Other operating charges640/8€914€843▼
Non-recurring operating charges66A€4k€0▼
Gross operating margin9900€40k€30k▼
Operating profit (loss)9901€35k€29k▼
Financial income75/76B€42€45▲
Recurring financial income75€42€45▲
Financial charges65/66B€2k€173▼
Recurring financial charges65€2k€173▼
Profit (loss) for the period before taxes9903€34k€29k▼
Income taxes67/77€7k€7k▲
Profit (loss) for the period9904€26k€21k▼
Profit (loss) for the period to be appropriated9905€26k€21k▼
Appropriation of the result
Profit (loss) to be appropriated9906€26k€21k▼
Transfer to equity691/2€26k€21k▼
To contributions691€0-
To the legal reserve6920€26k€0▼
To other reserves6921-€21k
The notes to these accounts (1 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
21-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 21 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Highest result since 2023net €26k ▲53.2%
Operating result €35k, net result €26k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 6.65
Current ratio from 2.31 to 6.65; short-term debt falls from €13k to €9k.
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
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, Brugge · 1 establishment unit since 2023
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.
Blankenbergse Steenweg 728000 BruggeGround area
203 m²
Building footprint
82 m²
Volume, LiDAR
405 m³
Parcel 31808K0691/00G009, Flanders · tallest building 8.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
DELTOM
since 20232.341.482.505
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31808K0691/00G009 | Flanders | 203 m² | 1 · 82 m² | 8.8 m · 1 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 24,640 companies in sector 64210 we hold annual accounts for 19,693. 11,538 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-02-2023
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70100Activities of head offices
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.