E.D. FINANCES 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 €157k and a net result of €40k. Equity remains stable across the filed fiscal years (±0.7% per year). Its solvency ranks better than 39% of 2425 sector peers (fiscal year 2025). The company has been active since 2008 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
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €157k
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
3 d early
2023
5 d early
2022
7 d early
2021
1 d late
2020
2 d early
2019
28 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close20-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€157k▲ 34.6%
2024 · €116k
2019: €116k
2020: €113k
2021: €168k
2022: €138k
2023: €101k
2024: €116k
2019 → 2025
Net result
€40k▲ 169%
2024 · €15k
2019: €-25k
2020: €-2k
2021: €55k
2022: €-30k
2023: €-36k
2024: €15k
2019 → 2025
Total assets
€414k▲ 4.2%
2024 · €397k
2019: €893k
2020: €800k
2021: €746k
2022: €620k
2023: €489k
2024: €397k
2019 → 2025
Solvency
37.9%▲ 8.5pp
2024 · 29.3%
2019: 13.0%
2020: 14.2%
2021: 22.5%
2022: 22.3%
2023: 20.8%
2024: 29.3%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€168k-€138k▼ 17.9%€101k▼ 26.4%€116k▲ 14.8%€157k▲ 34.6%
Operating result€90k-€-15k€-24k▼ 57.0%€25k€58k▲ 131%
Net result€55k-€-30k€-36k▼ 21.1%€15k€40k▲ 169%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 131% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €414k
Fixed assets
€273k▼ 6.7%
Current assets
€141k▲ 34.7%
Equity and liabilities €414k
Equity
€157k▲ 34.6%
Debt
€257k▼ 8.4%
The debt ratio falls from 70.7% to 62.1%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
37.9%▲
2024 · 29.3%
ROE
25.7%▲
2024 · 12.9%
ROA
9.7%▲
2024 · 3.8%
Debt
€257k▼
2024 · €281k
Debt ≤ 1 year
€98k▲
2024 · €88k
Debt > 1 year
€153k▼
2024 · €188k
Income taxes
€10k▲
2024 · €904
Staff costs
€60k▼
2024 · €65k
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€397k€414k▲
Fixed assets21/28€292k€273k▼
Intangible fixed assets21€110k€55k▼
Tangible fixed assets22/27€183k€218k▲
Land and buildings22€149k€137k▼
Furniture and vehicles24€6k€51k▲
Other tangible fixed assets26€27k€30k▲
Financial fixed assets28€134€134=
Current assets29/58€105k€141k▲
Cash at bank and in hand54/58€64k€108k▲
Deferred charges and accrued income490/1€41k€33k▼
Equity and liabilities
Total equity and liabilities10/49€397k€414k▲
Equity10/15€116k€157k▲
Contributions10/11€6k€6k=
Reserves13€110k€150k▲
Distributable reserves133€110k€150k▲
Profit (loss) carried forward14€415€721▲
Amounts payable17/49€281k€257k▼
Amounts payable after more than one year17€188k€153k▼
Financial debts170/4€188k€153k▼
Amounts payable within one year42/48€88k€98k▲
Current portion of amounts payable after more than one year42€77k€83k▲
Trade debts44€446€852▲
Suppliers440/4-€852
Bills of exchange payable441€446-
Taxes, remuneration and social security45€10k€13k▲
Taxes450/3€764€8k▲
Remuneration and social security454/9€10k€6k▼
Other amounts payable47/48€288€1k▲
Accrued charges and deferred income492/3€5k€6k▲
Income statement
Code20242025
Remuneration, social security and pensions62€65k€60k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€80k€78k▼
Other operating charges640/8€4k€4k▲
Gross operating margin9900€173k€200k▲
Operating profit (loss)9901€25k€58k▲
Financial income75/76B€465€563▲
Recurring financial income75€465€563▲
Financial charges65/66B€10k€9k▼
Recurring financial charges65€10k€9k▼
Profit (loss) for the period before taxes9903€16k€50k▲
Income taxes67/77€904€10k▲
Profit (loss) for the period9904€15k€40k▲
Profit (loss) for the period to be appropriated9905€15k€40k▲
Appropriation of the result
Profit (loss) to be appropriated9906€16k€41k▲
Profit (loss) brought forward from the previous period14P€927€415▼
Transfer from equity791/2€2k-
Transfer to equity691/2€17k€40k▲
To other reserves6921€17k€40k▲
The notes to these accounts (12 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
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Equity above €150kEq €157k ▲34.6%
2 profitable years in a row build equity to €157k.
28-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Back to profitnet €15k
Net result €15k after 2 loss-making years.
26-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Weakest financial yearnet €-36k
Net result drops to €-36k, the lowest in the series; recovery starts the following year.
24-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
01-02
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 1 day late
2021
30-06
Financial
Back to profitnet €55k
Net result €55k after 2 loss-making years.
30-06
Financial
Equity above €150kEq €168k ▲48.3%
Equity rises from €113k to €168k.
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
28-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
2019
15-02
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 15 days late
2018
30-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-01
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Aubange · 1 establishment unit since 2008
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 Claisse - AUBANGE 146790 AubangeGround area
198 m²
Building footprint
80 m²
Volume, LiDAR
1,051 m³
Parcel 85045B0725/00S000, Wallonia · tallest building 15.5 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
CITYBANK
since 20082.172.229.381
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 85045B0725/00S000 | Wallonia | 198 m² | 1 · 80 m² | 15.5 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via establishment units: 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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REGIONAAL BUREAU VOOR KREDIET EN BELEGGINGEN
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Of 1,680 companies in sector 66191 we hold annual accounts for 1,229. 1,107 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-07-2008
Fiscal year end30-06
Activities, NACEBEL
66191Agents and brokers in banking services
Sources
Crossroads Bank for EnterprisesNational Bank · 17 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.
Contact details
3 entriesE-mail:eric.dazy@skynet.be
Phone:063/57.61.81
Fax:063/57.92.27