FALINVEST 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 €230k and a net result of €-5k. Equity remains stable across the filed fiscal years (±0.9% per year). Its solvency ranks better than 95% of 5523 sector peers (fiscal year 2025). The company has been active since 2017 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 · A punctual record breaks
This company filed 7 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 8 filingsDeviation from the deadline
2025
31 d late
2024
29 d early
2023
9 d early
2022
5 d early
2021
4 d early
2020
5 d early
2019
2 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€230k▼ 1.9%
2024 · €235k
2018: €209k
2019: €202k
2020: €237k
2021: €293k
2022: €251k
2023: €240k
2024: €235k
2018 → 2025
Net result
€-5k▲ 7.9%
2024 · €-5k
2018: €190k
2019: €-7k
2020: €35k
2021: €56k
2022: €-41k
2023: €-12k
2024: €-5k
2018 → 2025
Total assets
€230k▼ 1.9%
2024 · €235k
2018: €209k
2019: €202k
2020: €237k
2021: €293k
2022: €251k
2023: €240k
2024: €235k
2018 → 2025
Solvency
100.0%=
2024 · 100.0%
2018: 100.0%
2019: 100.0%
2020: 100.0%
2021: 100.0%
2022: 100.0%
2023: 100.0%
2024: 100.0%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€293k-€251k▼ 14.1%€240k▼ 4.7%€235k▼ 2.0%€230k▼ 1.9%
Operating result€-19k-€-18k▲ 4.5%€-12k▲ 36.3%€-5k▲ 58.4%€-4k▲ 7.7%
Net result€56k-€-41k€-12k▲ 71.6%€-5k▲ 58.0%€-5k▲ 7.9%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €4k in 2025 against €5k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €230k
Fixed assets
€185k=
Current assets
€45k▼ 9.1%
Key figures and ratios
Solvency
100.0%=
2024 · 100.0%
ROE
-2.0%▲
2024 · -2.1%
ROA
-2.0%▲
2024 · -2.1%
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€235k€230k▼
Fixed assets21/28€185k€185k=
Financial fixed assets28€185k€185k=
Current assets29/58€50k€45k▼
Current investments50/53€29k€29k=
Cash at bank and in hand54/58€21k€16k▼
Equity and liabilities
Total equity and liabilities10/49€235k€230k▼
Equity10/15€235k€230k▼
Contributions10/11€19k€19k=
Outside capital11€19k-
Share premium1100/10€19k-
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€214k€210k▼
Income statement
Code20242025
Other operating charges640/8€387€209▼
Gross operating margin9900€-4k€-4k▲
Operating profit (loss)9901€-5k€-4k▲
Financial charges65/66B€84€66▼
Recurring financial charges65€84€66▼
Profit (loss) for the period before taxes9903€-5k€-5k▲
Profit (loss) for the period9904€-5k€-5k▲
Profit (loss) for the period to be appropriated9905€-5k€-5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€214k€210k▼
Profit (loss) brought forward from the previous period14P€219k€214k▼
The notes to these accounts (2 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
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
26-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Weakest financial yearnet €-41k ▼174%
Net result drops to €-41k, the lowest in the series; recovery starts the following year.
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Back to profitnet €35k
Net result €35k after one loss-making year.
29-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Tournai · 1 establishment unit since 2017
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 Louis Chevalier(CH) 487521 TournaiGround area
2.9 ha
Building footprint
1,054 m²
Volume, LiDAR
11,365 m³
2 parcels, Wallonia · tallest building 14.1 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Rue Louis Chevalier(CH) 30, 7521 Tournai
since 20172.276.218.331
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57021A0398/00A000 | Wallonia | 2.9 ha | 1 · 936 m² | 14.1 m · 4 fl. |
| 57021A0153/00B000 | Wallonia | 614 m² | 1 · 118 m² | 12.8 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.
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 13,574 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-03-2017
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 8 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.