Summary
DENOYELLE FINANCE 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 €1.41M and a net result of €33k. Equity is growing by ~5.3% per year across the filed fiscal years. Its solvency ranks better than 95% of 8023 sector peers (fiscal year 2025). The company has been active since 2021 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
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 08-07-2026, 23 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
23 d early
2024
23 d early
2023
15 d early
2022
144 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.41M▲ 2.4%
2024 · €1.37M
2022: €1.22M
2023: €1.25M
2024: €1.37M
2022 → 2025
Net result
€33k▼ 73.7%
2024 · €124k
2022: €5k
2023: €30k
2024: €124k
2022 → 2025
Total assets
€1.41M▲ 2.4%
2024 · €1.38M
2022: €1.24M
2023: €1.27M
2024: €1.38M
2022 → 2025
Solvency
99.4%▼ 0.1pp
2024 · 99.5%
2022: 98.7%
2023: 98.5%
2024: 99.5%
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€1.22M-€1.25M▲ 2.5%€1.37M▲ 9.9%€1.41M▲ 2.4%
Operating result€7k-€-5k€-6k▼ 26.9%€-2k▲ 59.1%
Net result€5k-€30k▲ 513%€124k▲ 314%€33k▼ 73.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €2k in 2025 against €6k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.41M
Fixed assets
€1.22M =
Current assets
€199k ▲ 20.3%
Equity and liabilities €1.41M
Equity
€1.41M ▲ 2.4%
Debt
€8k ▲ 15.2%
Debt's share of the balance-sheet total rises from 0.5% to 0.6%. Equity and debt are higher.
Key figures and ratios
ROE
2.3%▼
2024 · 9.0%
ROA
2.3%▼
2024 · 9.0%
Debt ≤ 1 year
€8k▲
2024 · €7k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 31 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.38M€1.41M▲
Fixed assets21/28€1.22M€1.22M=
Financial fixed assets28€1.22M€1.22M=
Current assets29/58€166k€199k▲
Amounts receivable within one year40/41€135k€185k▲
Trade receivables40€5k-
Other amounts receivable41€130k€185k▲
Cash at bank and in hand54/58€30k€14k▼
Equity and liabilities
Total equity and liabilities10/49€1.38M€1.41M▲
Equity10/15€1.37M€1.41M▲
Contributions10/11€1.22M€1.22M=
Profit (loss) carried forward14€159k€191k▲
Amounts payable17/49€7k€8k▲
Amounts payable within one year42/48€7k€8k▲
Trade debts44€2k-
Suppliers440/4€2k-
Taxes, remuneration and social security45€3k€3k▼
Taxes450/3€3k€3k▼
Other amounts payable47/48€2k€5k▲
Income statement
Code20242025
Other operating charges640/8€1k€998▼
Gross operating margin9900€-5k€-1k▲
Operating profit (loss)9901€-6k€-2k▲
Financial income75/76B€130k€35k▼
Recurring financial income75€130k€35k▼
Financial charges65/66B€91€28▼
Recurring financial charges65€91€28▼
Profit (loss) for the period before taxes9903€124k€33k▼
Profit (loss) for the period9904€124k€33k▼
Profit (loss) for the period to be appropriated9905€124k€33k▼
Appropriation of the result
Profit (loss) to be appropriated9906€159k€191k▲
Profit (loss) brought forward from the previous period14P€35k€159k▲
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
2026
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
08-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2022net €124k ▲314%
Net result €124k, the highest in the series.
31-12
Financial
Liquidity times 9current ratio 24.01
Current ratio from 2.80 to 24.01; short-term debt falls from €19k to €7k.
16-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity doublescurrent ratio 2.80
Current ratio from 1.32 to 2.80.
22-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 144 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Bernissart · 1 establishment unit since 2021
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.
Rue d'Hautrage(V.P) 5B7322 BernissartGround area
7,735 m²
Building footprint
461 m²
Volume, LiDAR
2,972 m³
2 parcels, Wallonia · tallest building 9.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Chemin d'Orange(V.P) 41, 7322 Bernissart
since 20212.318.803.113
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 51522B0011/00H018 | Wallonia | 6,024 m² | 1 · 241 m² | 8.0 m · 2 fl. |
| 51522B0443/00B000 | Wallonia | 1,711 m² | 1 · 220 m² | 9.8 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
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VVB HOLDING
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RIVIT
BE 0795.339.325
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 11,909 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-06-2021
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.