Summary
Depide 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 €9.75M and a net result of €1.17M. Equity is growing by ~7.6% per year across the filed fiscal years. Its solvency ranks better than 63% of 5527 sector peers (fiscal year 2025). The company has been active since 2018 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 · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 7 filingsDeviation from the deadline
2025
31 d late
2024
28 d late
2023
5 d early
2022
26 d late
2021
31 d late
2020
31 d late
2019
40 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, abbreviated schema
Equity
€9.75M▼ 0.7%
2024 · €9.82M
2019: €6.01M
2020: €7.26M
2021: €8.20M
2022: €7.84M
2023: €8.87M
2024: €9.82M
2019 → 2025
Net result
€1.17M▲ 23.4%
2024 · €950k
2019: €1.00M
2020: €1.24M
2021: €940k
2022: €902k
2023: €1.03M
2024: €950k
2019 → 2025
Total assets
€14.86M▲ 1.0%
2024 · €14.71M
2019: €14.65M
2020: €14.99M
2021: €14.92M
2022: €14.74M
2023: €14.67M
2024: €14.71M
2019 → 2025
Solvency
65.6%▼ 1.1pp
2024 · 66.7%
2019: 41.1%
2020: 48.4%
2021: 54.9%
2022: 53.2%
2023: 60.4%
2024: 66.7%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€8.20M-€7.84M▼ 4.4%€8.87M▲ 13.1%€9.82M▲ 10.7%€9.75M▼ 0.7%
Operating result€-33k-€68k€182k▲ 166%€96k▼ 47.1%€93k▼ 3.0%
Net result€940k-€902k▼ 4.1%€1.03M▲ 14.1%€950k▼ 7.6%€1.17M▲ 23.4%
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 two years in a row; 2025 is 3% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €14.86M
Fixed assets
€14.50M =
Current assets
€359k ▲ 72.1%
Equity and liabilities €14.86M
Equity
€9.75M ▼ 0.7%
Debt
€5.11M ▲ 4.5%
Debt's share of the balance-sheet total rises from 33.3% to 34.4%. Equity is lower and debt is higher.
Key figures and ratios
ROE
12.0%▲
2024 · 9.7%
ROA
7.9%▲
2024 · 6.5%
Debt ≤ 1 year
€1.91M▲
2024 · €1.19M
Debt > 1 year
€3.20M▼
2024 · €3.70M
Income taxes
€117k▲
2024 · €95k
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 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€14.71M€14.86M▲
Fixed assets21/28€14.50M€14.50M=
Tangible fixed assets22/27€2k-
Furniture and vehicles24€2k-
Financial fixed assets28€14.50M€14.50M=
Current assets29/58€209k€359k▲
Amounts receivable within one year40/41€2k€497▼
Trade receivables40€2k-
Other amounts receivable41€329€497▲
Current investments50/53€97k€299k▲
Cash at bank and in hand54/58€110k€59k▼
Equity and liabilities
Total equity and liabilities10/49€14.71M€14.86M▲
Equity10/15€9.82M€9.75M▼
Contributions10/11€3.75M€3.75M=
Reserves13€6.07M€6.00M▼
Distributable reserves133€6.07M€6.00M▼
Amounts payable17/49€4.89M€5.11M▲
Amounts payable after more than one year17€3.70M€3.20M▼
Financial debts170/4€3.70M€3.20M▼
Amounts payable within one year42/48€1.19M€1.91M▲
Current portion of amounts payable after more than one year42€1.00M€500k▼
Trade debts44€126€667▲
Suppliers440/4€126€667▲
Taxes, remuneration and social security45€194k€270k▲
Taxes450/3€194k€270k▲
Other amounts payable47/48-€1.14M
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▼
Other operating charges640/8€126-
Gross operating margin9900€98k€95k▼
Operating profit (loss)9901€96k€93k▼
Financial income75/76B€1.02M€1.26M▲
Recurring financial income75€1.02M€1.26M▲
Financial charges65/66B€68k€61k▼
Recurring financial charges65€68k€61k▼
Profit (loss) for the period before taxes9903€1.05M€1.29M▲
Income taxes67/77€95k€117k▲
Profit (loss) for the period9904€950k€1.17M▲
Profit (loss) for the period to be appropriated9905€950k€1.17M▲
Appropriation of the result
Profit (loss) to be appropriated9906€950k€1.17M▲
Transfer from equity791/2-€1.24M
Transfer to equity691/2€950k€1.17M▲
To other reserves6921€950k€1.17M▲
Profit to be distributed694/7-€1.24M
Return on contributions (dividend)694-€1.24M
The notes to these accounts (11 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 28 days late
2024
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
26-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 26 days late
2022
31-12
Financial
Weakest financial yearnet €902k ▼4.1%
Net result drops to €902k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
31-12
Financial
Highest result since 2019net €1.24M ▲24%
Net result €1.24M, the highest in the series.
09-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 40 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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 2018
Ground area
1,429 m²
Building footprint
236 m²
Volume, LiDAR
2,388 m³
2 parcels, Flanders · tallest building 13.6 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Depide
since 20182.275.074.622
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34022E0057/00K003 | Flanders | 1,253 m² | 1 · 145 m² | 13.1 m · 4 fl. |
| 34022E0057/00V003 | Flanders | 176 m² | 1 · 92 m² | 13.6 m · 4 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.
Recognitions · licences · registrations
Legal Entity Identifier
984500736A49F7B2DV24
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 6,100 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
Founded19-04-2018
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.