EXPERT-BEL is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €879k and a net result of €-95k. Equity is growing by ~9.1% per year across the filed fiscal years. Its solvency ranks better than 83% of 775 sector peers (fiscal year 2024). The company has been active since 1982 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
Two signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 18-06-2025, 43 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
43 d early
2023
45 d early
2022
26 d early
2021
36 d early
2020
8 d early
2019
20 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, full schema
Equity
€879k▼ 9.8%
2023 · €974k
2018: €575k
2019: €374k
2020: €439k
2021: €905k
2022: €973k
2023: €974k
2018 → 2024
Net result
€-95k
2023 · €278
2018: €-116k
2019: €-201k
2020: €64k
2021: €832k
2022: €204k
2023: €278
2018 → 2024
Total assets
€1.15M▼ 7.8%
2023 · €1.25M
2018: €760k
2019: €604k
2020: €626k
2021: €1.87M
2022: €1.33M
2023: €1.25M
2018 → 2024
Solvency
76.5%▼ 1.6pp
2023 · 78.1%
2018: 75.7%
2019: 62.0%
2020: 70.1%
2021: 48.4%
2022: 73.1%
2023: 78.1%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€439k-€905k▲ 106%€973k▲ 7.6%€974k=€879k▼ 9.8%
Operating result€66k-€1.03M▲ 1,455%€279k▼ 73.0%€-22k€-111k▼ 405%
Net result€64k-€832k▲ 1,198%€204k▼ 75.5%€278▼ 99.9%€-95k
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €111k in 2024 against €22k in 2023; the loss grows and 2024 has the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.15M
Fixed assets
€272k▲ 3.0%
Current assets
€877k▼ 10.8%
Equity and liabilities €1.15M
Equity
€879k▼ 9.8%
Debt
€270k▼ 1.0%
The debt ratio rises from 21.9% to 23.5%. Equity and debt are lower.
Key figures and ratios
Solvency
76.5%▼
2023 · 78.1%
ROE
-10.8%▼
2023 · 0.0%
ROA
-8.3%▼
2023 · 0.0%
Debt
€270k▼
2023 · €273k
Debt ≤ 1 year
€151k▼
2023 · €164k
Debt > 1 year
€119k▲
2023 · €108k
Income taxes
€2k▼
2023 · €4k
Staff costs
€516k▲
2023 · €489k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€1.25M€1.15M▼
Fixed assets21/28€264k€272k▲
Tangible fixed assets22/27€263k€271k▲
Plant, machinery and equipment23€9k€6k▼
Furniture and vehicles24€255k€266k▲
Financial fixed assets28€619€619=
Current assets29/58€982k€877k▼
Amounts receivable after more than one year29€184k€162k▼
Other amounts receivable291€184k€162k▼
Amounts receivable within one year40/41€437k€370k▼
Trade receivables40€326k€268k▼
Other amounts receivable41€110k€102k▼
Current investments50/53-€150k
Cash at bank and in hand54/58€355k€192k▼
Deferred charges and accrued income490/1€6k€2k▼
Equity and liabilities
Total equity and liabilities10/49€1.25M€1.15M▼
Equity10/15€974k€879k▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€349k€349k=
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Distributable reserves133€343k€343k=
Profit (loss) carried forward14€562k€467k▼
Amounts payable17/49€273k€270k▼
Amounts payable after more than one year17€108k€119k▲
Financial debts170/4€108k€119k▲
Amounts payable within one year42/48€164k€151k▼
Current portion of amounts payable after more than one year42€48k€54k▲
Trade debts44€12k€30k▲
Suppliers440/4€12k€30k▲
Taxes, remuneration and social security45€99k€61k▼
Taxes450/3€40k€14k▼
Remuneration and social security454/9€59k€47k▼
Other amounts payable47/48€5k€5k▲
Accrued charges and deferred income492/3€747-
Income statement
Code20232024
Remuneration, social security and pensions62€489k€516k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€51k€77k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-11k€-9k▲
Other operating charges640/8€19k€25k▲
Non-recurring operating charges66A-€17k
Gross operating margin9900€527k€515k▼
Operating profit (loss)9901€-22k€-111k▼
Financial income75/76B€31k€26k▼
Recurring financial income75€31k€26k▼
Financial charges65/66B€4k€7k▲
Recurring financial charges65€4k€7k▲
Profit (loss) for the period before taxes9903€5k€-93k▼
Income taxes67/77€4k€2k▼
Profit (loss) for the period9904€278€-95k▼
Profit (loss) for the period to be appropriated9905€278€-95k▼
Appropriation of the result
Profit (loss) to be appropriated9906€562k€467k▼
Profit (loss) brought forward from the previous period14P€562k€562k=
Social balance
Average headcount (FTE)90877.97.7▼
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
2025
18-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
16-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
25-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Highest result since 2018net €832k ▲1198%
Operating result €1.03M, net result €832k, both a record.
31-12
Financial
Equity above €500kEq €905k ▲106%
2 profitable years in a row build equity to €905k.
23-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Back to profitnet €64k
Net result €64k after 2 loss-making years.
20-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 20 days late
2019
31-12
Financial
Weakest financial yearnet €-201k
Net result drops to €-201k, the lowest in the series; recovery starts the following year.
02-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 2 days late
2018
14-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 14 days late
2017
25-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 25 days late
2016
26-08
NBB filing
Annual accounts filed
fiscal year 2015 · full schema · 26 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
12 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, Binche · 2 establishment units since 1982
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 Gustave Diricq(EP) 227134 BincheGround area
219 m²
Building footprint
137 m²
Volume, LiDAR
1,071 m³
2 parcels, Wallonia · tallest building 9.1 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
Rue Gustave Diricq(EP) 22, 7134 Binche
since 19822.034.860.951
Rue de Merbes(BUV) 234, 7133 Binche
since 20172.305.956.848
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56020A0123/00H000 | Wallonia | 169 m² | 1 · 137 m² | 9.1 m · 3 fl. |
| 56014A0068/00C005 | Wallonia | 49 m² | - | - |
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
875500WKLZS2KMU58G83
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Of 853 companies in sector 66210 we hold annual accounts for 511. 308 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded03-06-1982
Fiscal year end31-12
Activities, NACEBEL
66210Risk and damage evaluation
67202
Sources
Crossroads Bank for EnterprisesNational Bank · 42 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.