EIXAMPLE
ActiveEIXAMPLE 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 €291k and a net result of €79k. Equity is shrinking by ~17.6% per year across the filed fiscal years. Its solvency ranks better than 79% of 7971 sector peers (fiscal year 2025). The company has been active since 2008 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
1819202122232425
2018 to 2025 · latest year €291k
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 16-07-2026, 15 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
15 d early
2024
59 d early
2023
30 d early
2022
28 d early
2021
5 d early
2020
12 d early
2019
9 d early
← before the deadline
after the deadline →
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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€291k▲ 37.0%
2024 · €213k
2018: €682k
2019: €561k
2020: €406k
2021: €285k
2022: €298k
2023: €164k
2024: €213k
2018 → 2025
Net result
€79k▲ 63.2%
2024 · €48k
2018: €6k
2019: €43k
2020: €16k
2021: €16k
2022: €13k
2023: €7k
2024: €48k
2018 → 2025
Total assets
€356k▲ 17.3%
2024 · €304k
2018: €689k
2019: €579k
2020: €599k
2021: €477k
2022: €405k
2023: €285k
2024: €304k
2018 → 2025
Solvency
81.7%▲ 11.7pp
2024 · 70.0%
2018: 98.9%
2019: 96.9%
2020: 67.7%
2021: 59.7%
2022: 73.6%
2023: 57.6%
2024: 70.0%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€285k-€298k▲ 4.7%€164k▼ 44.8%€213k▲ 29.3%€291k▲ 37.0%
Operating result€14k-€23k▲ 56.0%€23k▼ 0.1%€77k▲ 242%€98k▲ 26.7%
Net result€16k-€13k▼ 13.8%€7k▼ 51.4%€48k▲ 641%€79k▲ 63.2%
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 27% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €356k
Fixed assets
€13k▼ 40.3%
Current assets
€343k▲ 21.9%
Equity and liabilities €356k
Equity
€291k▲ 37.0%
Debt
€65k▼ 28.6%
The debt ratio falls from 30.0% to 18.3%: equity grows while debt is paid down.
Key figures and ratios
Solvency
81.7%▲
2024 · 70.0%
ROE
27.0%▲
2024 · 22.7%
ROA
22.1%▲
2024 · 15.9%
Debt
€65k▼
2024 · €91k
Debt ≤ 1 year
€61k▼
2024 · €86k
Income taxes
€30k▲
2024 · €23k
Staff costs
€0▼
2024 · €500
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€304k€356k▲
Fixed assets21/28€22k€13k▼
Tangible fixed assets22/27€22k€13k▼
Furniture and vehicles24€20k€12k▼
Other tangible fixed assets26€2k€2k▼
Current assets29/58€282k€343k▲
Amounts receivable within one year40/41€45k€136k▲
Trade receivables40€45k€136k▲
Other amounts receivable41€0-
Current investments50/53€47k€0▼
Cash at bank and in hand54/58€189k€207k▲
Equity and liabilities
Total equity and liabilities10/49€304k€356k▲
Equity10/15€213k€291k▲
Contributions10/11€6k€6k=
Reserves13€206k€285k▲
Distributable reserves133€206k€285k▲
Profit (loss) carried forward14€0-
Amounts payable17/49€91k€65k▼
Amounts payable within one year42/48€86k€61k▼
Trade debts44€4k€4k▲
Suppliers440/4€4k€4k▲
Taxes, remuneration and social security45€14k€23k▲
Taxes450/3€14k€23k▲
Other amounts payable47/48€68k€34k▼
Accrued charges and deferred income492/3€5k€4k▼
Income statement
Code20242025
Remuneration, social security and pensions62€500€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€11k▲
Other operating charges640/8€2k€2k▲
Non-recurring operating charges66A€0-
Gross operating margin9900€90k€111k▲
Operating profit (loss)9901€77k€98k▲
Financial income75/76B€804€18k▲
Recurring financial income75€804€18k▲
Financial charges65/66B€7k€8k▲
Recurring financial charges65€7k€8k▲
Profit (loss) for the period before taxes9903€71k€109k▲
Income taxes67/77€23k€30k▲
Profit (loss) for the period9904€48k€79k▲
Profit (loss) for the period to be appropriated9905€48k€79k▲
Appropriation of the result
Profit (loss) to be appropriated9906€48k€79k▲
Transfer from equity791/2€0-
Transfer to equity691/2€48k€79k▲
To other reserves6921€48k€79k▲
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
The notes to these accounts (9 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
16-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €79k ▲63.2%
Operating result €98k, net result €79k, both a record.
02-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €200kEq €213k ▲29.3%
7 profitable years in a row build equity to €213k.
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
26-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
19-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
22-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
09-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
27-03
State Gazette act
Capital increase · Bank account
Reserve creation · Share issue
2018
23-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
19-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneState Gazette actNBB 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, Sint-Niklaas · 1 establishment unit since 2008
Ground area
1,293 m²
Building footprint
162 m²
Volume, LiDAR
1,025 m³
Parcel 46446A0105/00L000, Flanders · tallest building 9.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Jagersdreef 23, 9100 Sint-Niklaas
since 20082.175.052.873
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46446A0105/00L000 | Flanders | 1,293 m² | 1 · 162 m² | 9.5 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.
Recognitions · licences · registrations
Legal Entity Identifier
529900G83LDQ6DE0EV61
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Of 24,637 companies in sector 64210 we hold annual accounts for 19,690. 13,706 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-12-2008
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.