DELVOS is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2026 annual accounts show equity of €394k and a net result of €174k. Equity is growing by ~27.3% per year across the filed fiscal years. Its solvency ranks better than 55% of 113 sector peers (fiscal year 2026). The company has been active since 2013 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 31-01-2026 was due by 31-08-2026 and was filed on 06-08-2026, 25 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
25 d early
2025
31 d early
2024
31 d early
2023
31 d early
2022
30 d early
2021
28 d early
2020
25 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-01-2027 and is due by 31-08-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
23-09-2026 today31-01-2027 close31-08-2027 deadline
Financials · fiscal year 2026, micro schema
Equity
€394k▲ 78.7%
2025 · €221k
2019: €15k
2020: €84k
2021: €98k
2022: €104k
2023: €138k
2024: €167k
2025: €221k
2019 → 2026
Net result
€174k▲ 46.8%
2025 · €118k
2019: €19k
2020: €69k
2021: €14k
2022: €6k
2023: €34k
2024: €29k
2025: €118k
2019 → 2026
Total assets
€599k▲ 36.2%
2025 · €440k
2019: €491k
2020: €381k
2021: €412k
2022: €403k
2023: €335k
2024: €336k
2025: €440k
2019 → 2026
Solvency
65.8%▲ 15.6pp
2025 · 50.2%
2019: 3.0%
2020: 22.1%
2021: 23.8%
2022: 25.8%
2023: 41.2%
2024: 49.9%
2025: 50.2%
2019 → 2026
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20222023202420252026Trend
Equity€104k-€138k▲ 33.2%€167k▲ 21.1%€221k▲ 31.8%€394k▲ 78.7%
Operating result€16k-€62k▲ 301%€46k▼ 26.9%€173k▲ 279%€256k▲ 48.4%
Net result€6k-€34k▲ 488%€29k▼ 15.3%€118k▲ 305%€174k▲ 46.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2024 the operating result has climbed two years in a row; 2026 is 48% above 2025 and is the highest result in the available series.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €599k
Fixed assets
€245k▼ 4.7%
Current assets
€354k▲ 93.7%
Equity and liabilities €599k
Equity
€394k▲ 78.7%
Debt
€205k▼ 6.6%
The debt ratio falls from 49.8% to 34.2%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
65.8%▲
2025 · 50.2%
ROE
44.0%▼
2025 · 53.6%
ROA
29.0%▲
2025 · 26.9%
Debt
€205k▼
2025 · €219k
Debt ≤ 1 year
€167k▲
2025 · €153k
Debt > 1 year
€30k▼
2025 · €60k
Income taxes
€75k▲
2025 · €49k
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 · 2026 against 2025
Balance sheet
Code20252026
Assets
Total assets20/58€440k€599k▲
Fixed assets21/28€257k€245k▼
Tangible fixed assets22/27€257k€245k▼
Land and buildings22€248k€239k▼
Furniture and vehicles24€8k€6k▼
Current assets29/58€183k€354k▲
Amounts receivable within one year40/41€20k€33k▲
Trade receivables40€18k€30k▲
Other amounts receivable41€2k€3k▲
Cash at bank and in hand54/58€161k€319k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€440k€599k▲
Equity10/15€221k€394k▲
Contributions10/11€0-
Reserves13€221k€394k▲
Distributable reserves133€221k€394k▲
Amounts payable17/49€219k€205k▼
Amounts payable after more than one year17€60k€30k▼
Financial debts170/4€60k€30k▼
Amounts payable within one year42/48€153k€167k▲
Current portion of amounts payable after more than one year42€30k€30k=
Trade debts44€1k€723▼
Suppliers440/4€1k€723▼
Taxes, remuneration and social security45€15k€18k▲
Taxes450/3€15k€18k▲
Other amounts payable47/48€107k€118k▲
Accrued charges and deferred income492/3€6k€8k▲
Income statement
Code20252026
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€12k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€186k€270k▲
Operating profit (loss)9901€173k€256k▲
Financial charges65/66B€6k€8k▲
Recurring financial charges65€6k€8k▲
Profit (loss) for the period before taxes9903€167k€248k▲
Income taxes67/77€49k€75k▲
Profit (loss) for the period9904€118k€174k▲
Profit (loss) for the period to be appropriated9905€118k€174k▲
Appropriation of the result
Profit (loss) to be appropriated9906€118k€174k▲
Transfer to equity691/2€118k€174k▲
To other reserves6921€118k€174k▲
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
Next filing, fiscal year 2027, expected by
2026
06-08
NBB filing
Annual accounts filed
fiscal year 2026 · micro schema
31-01
Financial
Highest result since 2019net €174k ▲46.8%
Operating result €256k, net result €174k, both a record.
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-01
Financial
Equity above €200kEq €221k ▲31.8%
7 profitable years in a row build equity to €221k.
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-01
Financial
Equity above €150kEq €167k ▲21.1%
6 profitable years in a row build equity to €167k.
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
01-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
31-01
Financial
Weakest financial yearnet €6k ▼57%
Net result drops to €6k, the lowest in the series; recovery starts the following year.
31-01
Financial
Equity above €100kEq €104k ▲6%
4 profitable years in a row build equity to €104k.
2021
03-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
06-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
31-01
Financial
Liquidity triplescurrent ratio 1.92
Current ratio from 0.56 to 1.92; short-term debt falls from €77k to €37k.
2019
01-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
04-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Roeselare · 1 establishment unit since 2013
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.
Désiré Van de Wallestraat 28800 RoeselareGround area
613 m²
Building footprint
129 m²
Volume, LiDAR
767 m³
Parcel 36505A0787/00B000, Flanders · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
DEDEKO
since 20132.218.643.584
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36505A0787/00B000 | Flanders | 613 m² | 1 · 128 m² | 8.8 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.
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,764. 13,763 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-04-2013
Fiscal year end31-01
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
47711Retail sale of women's outerwear
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.