DEN BERK
ActiveDEN BERK 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 €11.30M and a net result of €15.89M. Equity remains stable across the filed fiscal years (±0.9% per year). Its solvency ranks better than 95% of 5495 sector peers (fiscal year 2025). The company has been active since 1990 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
19202122232425
2019 to 2025 · latest year €11.3M
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 24-10-2025, 7 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
7 d early
2024
27 d early
2023
15 d early
2022
7 d early
2021
4 d late
2020
27 d late
2019
1 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close15-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€11.30M▲ 8.4%
2024 · €10.42M
2019: €10.53M
2020: €10.63M
2021: €10.81M
2022: €10.22M
2023: €9.57M
2024: €10.42M
2019 → 2025
Net result
€15.89M▲ 1,754%
2024 · €857k
2019: €827k
2020: €954k
2021: €982k
2022: €922k
2023: €852k
2024: €857k
2019 → 2025
Total assets
€11.46M▲ 5.6%
2024 · €10.85M
2019: €12.74M
2020: €12.42M
2021: €13.02M
2022: €12.66M
2023: €11.65M
2024: €10.85M
2019 → 2025
Solvency
98.6%▲ 2.5pp
2024 · 96.1%
2019: 82.7%
2020: 85.6%
2021: 83.0%
2022: 80.8%
2023: 82.1%
2024: 96.1%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€10.81M-€10.22M▼ 5.4%€9.57M▼ 6.4%€10.42M▲ 8.9%€11.30M▲ 8.4%
Operating result€1.26M-€1.16M▼ 7.4%€1.01M▼ 12.9%€971k▼ 4.2%€950k▼ 2.1%
Net result€982k-€922k▼ 6.1%€852k▼ 7.5%€857k▲ 0.5%€15.89M▲ 1,754%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen four years in a row; 2025 is 2% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €11.46M
Fixed assets
€7.35M=
Current assets
€4.11M▲ 17.5%
Equity and liabilities €11.46M
Equity
€11.30M▲ 8.4%
Debt
€159k▼ 62.7%
The debt ratio falls from 3.9% to 1.4%: equity grows while debt is paid down.
Key figures and ratios
Solvency
98.6%▲
2024 · 96.1%
ROE
140.6%▲
2024 · 8.2%
ROA
138.7%▲
2024 · 7.9%
Debt
€159k▼
2024 · €426k
Debt ≤ 1 year
€157k▼
2024 · €420k
Income taxes
€277k▼
2024 · €281k
Staff costs
€201k▲
2024 · €190k
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€10.85M€11.46M▲
Fixed assets21/28€7.35M€7.35M=
Financial fixed assets28€7.35M€7.35M=
Current assets29/58€3.49M€4.11M▲
Amounts receivable within one year40/41€3.42M€3.23M▼
Trade receivables40€280k€345k▲
Other amounts receivable41€3.14M€2.88M▼
Cash at bank and in hand54/58€67k€879k▲
Deferred charges and accrued income490/1€1k€928▼
Equity and liabilities
Total equity and liabilities10/49€10.85M€11.46M▲
Equity10/15€10.42M€11.30M▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€6k€6k=
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Profit (loss) carried forward14€10.35M€11.23M▲
Amounts payable17/49€426k€159k▼
Amounts payable within one year42/48€420k€157k▼
Trade debts44€10k€4k▼
Suppliers440/4€10k€4k▼
Taxes, remuneration and social security45€28k€145k▲
Taxes450/3€3k€123k▲
Remuneration and social security454/9€25k€22k▼
Other amounts payable47/48€382k€8k▼
Accrued charges and deferred income492/3€6k€2k▼
Income statement
Code20242025
Remuneration, social security and pensions62€190k€201k▲
Other operating charges640/8€267€3k▲
Gross operating margin9900€1.16M€1.16M▼
Operating profit (loss)9901€971k€950k▼
Financial income75/76B€174k€15.22M▲
Recurring financial income75€174k€15.22M▲
Financial charges65/66B€7k€2k▼
Recurring financial charges65€7k€2k▼
Profit (loss) for the period before taxes9903€1.14M€16.16M▲
Income taxes67/77€281k€277k▼
Profit (loss) for the period9904€857k€15.89M▲
Transfer from tax-exempt reserves789€214k-
Profit (loss) for the period to be appropriated9905€1.07M€15.89M▲
Appropriation of the result
Profit (loss) to be appropriated9906€10.36M€26.24M▲
Profit (loss) brought forward from the previous period14P€9.29M€10.35M▲
Profit to be distributed694/7€8k€15.01M▲
Return on contributions (dividend)694-€15.00M
Employees696€8k€8k▲
Social balance
Average headcount (FTE)90872.02.2▲
The notes to these accounts (2 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
2025
24-10
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
31-03
Financial
Highest result since 2019net €15.89M ▲1754%
Net result €15.89M, the highest in the series.
31-03
Financial
Liquidity triplescurrent ratio 26.14
Current ratio from 8.32 to 26.14; short-term debt falls from €420k to €157k.
2024
04-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
31-03
Financial
Liquidity triplescurrent ratio 8.32
Current ratio from 2.50 to 8.32; short-term debt falls from €1.72M to €420k.
31-03
Financial
Equity above €10MEq €10.42M ▲8.9%
6 profitable years in a row build equity to €10.42M.
2023
16-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2022
24-10
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2021
04-11
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 4 days late
2020
27-11
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 27 days late
2019
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
31-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
30-10
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
28-10
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Temse · 1 establishment unit since 1990
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.
Kapelanielaan 9 A9140 TemseGround area
4,850 m²
Building footprint
2,588 m²
Volume, LiDAR
16,353 m³
Parcel 46025B0241/00L000, Flanders · tallest building 42.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Kapelanielaan 9, 9140 Temse
since 19902.050.305.727
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46025B0241/00L000 | Flanders | 4,850 m² | 1 · 2,588 m² | 42.6 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.
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Of 24,637 companies in sector 64210 we hold annual accounts for 19,690. 5,674 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded29-10-1990
Fiscal year end31-03
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
74151
Sources
Crossroads Bank for EnterprisesNational Bank · 34 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.