Demasure A & L 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 €345k and a net result of €97k. Equity is growing by ~8.4% per year across the filed fiscal years. Its solvency ranks better than 76% of 9864 sector peers (fiscal year 2024). The company has been active since 2011 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
Two signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 14-07-2025, 17 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
17 d early
2023
19 d early
2022
39 d early
2021
38 d early
2020
22 d early
2019
35 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€345k▲ 12.2%
2023 · €307k
2018: €205k
2019: €265k
2020: €237k
2021: €275k
2022: €325k
2023: €307k
2018 → 2024
Net result
€97k▲ 122%
2023 · €44k
2018: €70k
2019: €69k
2020: €56k
2021: €62k
2022: €86k
2023: €44k
2018 → 2024
Total assets
€434k▲ 14.2%
2023 · €380k
2018: €218k
2019: €297k
2020: €330k
2021: €391k
2022: €408k
2023: €380k
2018 → 2024
Solvency
79.4%▼ 1.4pp
2023 · 80.8%
2018: 94.2%
2019: 89.3%
2020: 71.8%
2021: 70.3%
2022: 79.6%
2023: 80.8%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€237k-€275k▲ 15.7%€325k▲ 18.4%€307k▼ 5.5%€345k▲ 12.2%
Operating result€78k-€89k▲ 14.2%€120k▲ 34.5%€62k▼ 48.4%€138k▲ 123%
Net result€56k-€62k▲ 9.8%€86k▲ 38.5%€44k▼ 49.0%€97k▲ 122%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 123% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €434k
Fixed assets
€13k▼ 27.3%
Current assets
€421k▲ 16.2%
Equity and liabilities €434k
Equity
€345k▲ 12.2%
Debt
€90k▲ 22.7%
The debt ratio rises from 19.2% to 20.6%. Equity and debt are higher.
Key figures and ratios
Solvency
79.4%▼
2023 · 80.8%
ROE
28.2%▲
2023 · 14.3%
ROA
22.4%▲
2023 · 11.5%
Debt
€90k▲
2023 · €73k
Debt ≤ 1 year
€90k▲
2023 · €73k
Income taxes
€41k▲
2023 · €18k
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€380k€434k▲
Fixed assets21/28€18k€13k▼
Tangible fixed assets22/27€18k€13k▼
Furniture and vehicles24€18k€13k▼
Current assets29/58€363k€421k▲
Amounts receivable within one year40/41€14k€68k▲
Trade receivables40€8k€62k▲
Other amounts receivable41€6k€6k▲
Current investments50/53-€221k
Cash at bank and in hand54/58€349k€132k▼
Equity and liabilities
Total equity and liabilities10/49€380k€434k▲
Equity10/15€307k€345k▲
Contributions10/11€6k€6k=
Reserves13€301k€338k▲
Distributable reserves133€301k€338k▲
Amounts payable17/49€73k€90k▲
Amounts payable within one year42/48€73k€90k▲
Trade debts44€709€2k▲
Suppliers440/4€709€2k▲
Taxes, remuneration and social security45€10k€28k▲
Taxes450/3€10k€28k▲
Other amounts payable47/48€62k€60k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k▲
Other operating charges640/8€2k€2k▼
Gross operating margin9900€68k€145k▲
Operating profit (loss)9901€62k€138k▲
Financial charges65/66B€39€89▲
Recurring financial charges65€39€89▲
Profit (loss) for the period before taxes9903€62k€138k▲
Income taxes67/77€18k€41k▲
Profit (loss) for the period9904€44k€97k▲
Profit (loss) for the period to be appropriated9905€44k€97k▲
Appropriation of the result
Profit (loss) to be appropriated9906€44k€97k▲
Transfer from equity791/2€62k€60k▼
Transfer to equity691/2€44k€97k▲
To other reserves6921€44k€97k▲
Profit to be distributed694/7€62k€60k▼
Return on contributions (dividend)694€62k€60k▼
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €97k ▲122%
Operating result €138k, net result €97k, both a record.
12-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €44k ▼49%
Net result drops to €44k, the lowest in the series; recovery starts the following year.
22-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
23-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
09-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
26-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
18-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
2016
11-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated 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, Kortrijk · 1 establishment unit since 2011
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.
Smokkelpotstraat(Mar) 728510 KortrijkGround area
2,319 m²
Building footprint
189 m²
Parcel 34026B0628/00A000, Flanders. Linked by address, not a title deed.
1 establishment unit
DEMASURE A & L
since 20112.202.535.052
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34026B0628/00A000 | Flanders | 2,319 m² | 1 · 189 m² | - |
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.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 2 entries · 3,027 EUR awarded · 3,027 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,932 EUR | 1,932 EUR |
| 2023 | 1 | 1,095 EUR | 1,095 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 13,772 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-09-2011
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.