EDGARO 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 €304k and a net result of €4k. Equity is growing by ~111.9% per year across the filed fiscal years. Its solvency ranks better than 78% of 5523 sector peers (fiscal year 2025). The company has been active since 2019 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
Three signals. The signal on the left, the evidence on the right.
○neutral
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 06-01-2026, 25 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
25 d early
2024
on the day
2023
20 d early
2022
22 d early
2021
28 d early
2020
3 d early
← 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 close22-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€304k▲ 1.2%
2024 · €300k
2020: €8k
2021: €15k
2022: €71k
2023: €88k
2024: €300k
2020 → 2025
Net result
€4k▼ 98.3%
2024 · €212k
2020: €3k
2021: €7k
2022: €56k
2023: €17k
2024: €212k
2020 → 2025
Total assets
€368k▼ 3.9%
2024 · €382k
2020: €20k
2021: €286k
2022: €329k
2023: €306k
2024: €382k
2020 → 2025
Solvency
82.7%▲ 4.2pp
2024 · 78.5%
2020: 39.5%
2021: 5.3%
2022: 21.6%
2023: 28.8%
2024: 78.5%
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€114k
Equity€15k-€71k▲ 371%€88k▲ 23.7%€300k▲ 242%€304k▲ 1.2%
Operating result€12k-€72k▲ 521%€23k▼ 67.4%€17k▼ 26.9%€6k▼ 65.6%
Net result€7k-€56k▲ 670%€17k▼ 69.9%€212k▲ 1,161%€4k▼ 98.3%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 66% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €368k
Fixed assets
€268k▲ 3.9%
Current assets
€99k▼ 20.2%
Equity and liabilities €368k
Equity
€304k▲ 1.2%
Debt
€64k▼ 22.7%
The debt ratio falls from 21.5% to 17.3%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
82.7%▲
2024 · 78.5%
ROE
1.2%▼
2024 · 70.7%
ROA
1.0%▼
2024 · 55.5%
Debt
€64k▼
2024 · €82k
Debt ≤ 1 year
€33k▼
2024 · €35k
Debt > 1 year
€30k▼
2024 · €47k
Income taxes
€1k▼
2024 · €3k
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€382k€368k▼
Fixed assets21/28€258k€268k▲
Tangible fixed assets22/27€776€11k▲
Furniture and vehicles24€776€11k▲
Financial fixed assets28€257k€257k=
Current assets29/58€124k€99k▼
Amounts receivable within one year40/41€18k€14k▼
Trade receivables40€18k€10k▼
Other amounts receivable41€583€4k▲
Cash at bank and in hand54/58€104k€83k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€382k€368k▼
Equity10/15€300k€304k▲
Contributions10/11€5k€5k=
Reserves13€295k€299k▲
Distributable reserves133€295k€299k▲
Amounts payable17/49€82k€64k▼
Amounts payable after more than one year17€47k€30k▼
Financial debts170/4€47k€30k▼
Amounts payable within one year42/48€35k€33k▼
Current portion of amounts payable after more than one year42€18k€17k▼
Trade debts44€5k€13k▲
Suppliers440/4€5k€13k▲
Taxes, remuneration and social security45€6k€4k▼
Taxes450/3€6k€4k▼
Remuneration and social security454/9€0-
Other amounts payable47/48€6k€0▼
Accrued charges and deferred income492/3€263€263=
Income statement
Code20242025
Turnover70€114k-
Goods, raw materials, services and sundry goods60/61€107k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€375€3k▲
Other operating charges640/8€378€381▲
Gross operating margin9900€18k€9k▼
Operating profit (loss)9901€17k€6k▼
Financial income75/76B€200k€0▼
Recurring financial income75€200k€0▼
Financial charges65/66B€1k€784▼
Recurring financial charges65€1k€784▼
Profit (loss) for the period before taxes9903€216k€5k▼
Income taxes67/77€3k€1k▼
Profit (loss) for the period9904€212k€4k▼
Profit (loss) for the period to be appropriated9905€212k€4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€212k€4k▼
Transfer to equity691/2€212k€4k▼
To other reserves6921€212k€4k▼
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
06-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-06
Financial
Highest result since 2020net €212k ▲1161%
Net result €212k, the highest in the series.
30-06
Financial
Liquidity times 11current ratio 3.55
Current ratio from 0.32 to 3.55; short-term debt falls from €153k to €35k.
30-06
Financial
Equity above €200kEq €300k ▲242%
5 profitable years in a row build equity to €300k.
11-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
09-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
03-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
28-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro 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, Oudenaarde · 1 establishment unit since 2019
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.
Mullemstraat 69700 OudenaardeGround area
1,234 m²
Building footprint
185 m²
Volume, LiDAR
660 m³
Parcel 45026A0224/00A000, Flanders · tallest building 6.8 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
EDGARO
since 20192.302.300.146
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45026A0224/00A000 | Flanders | 1,234 m² | 1 · 185 m² | 6.8 m · 1 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.
Recognitions · licences · registrations
Legal Entity Identifier
8945007LLV3HF6WL8781
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 13,776 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-12-2019
Fiscal year end30-06
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 6 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.