FAST LANE 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 €20.69M and a net result of €15.82M. Equity is growing by ~4.8% per year across the filed fiscal years. Its solvency ranks better than 87% of 5523 sector peers (fiscal year 2025). The company has been active since 1991 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 · Filed after the deadline
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 29-05-2026, 29 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
29 d late
2024
9 d early
2023
4 d early
2022
7 d early
2021
5 d early
2020
1 d early
2019
27 d early
← before the deadline
after the deadline →
Financials · fiscal year 2025, abbreviated schema
Equity
€20.69M▲ 60.7%
2024 · €12.87M
2019: €10.57M
2020: €11.52M
2021: €11.87M
2022: €11.40M
2023: €11.97M
2024: €12.87M
2019 → 2025
Net result
€15.82M▲ 1,648%
2024 · €905k
2019: €820k
2020: €952k
2021: €349k
2022: €528k
2023: €566k
2024: €905k
2019 → 2025
Total assets
€22.41M▲ 26.2%
2024 · €17.76M
2019: €15.31M
2020: €15.27M
2021: €15.38M
2022: €15.85M
2023: €16.25M
2024: €17.76M
2019 → 2025
Solvency
92.3%▲ 19.9pp
2024 · 72.5%
2019: 69.1%
2020: 75.4%
2021: 77.2%
2022: 71.9%
2023: 73.7%
2024: 72.5%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€702k-€979k▲ 39.5%€1.04M▲ 6.5%€1.56M▲ 50.1%
Equity€11.87M-€11.40M▼ 4.0%€11.97M▲ 5.0%€12.87M▲ 7.6%€20.69M▲ 60.7%
Operating result€596k-€829k▲ 39.1%€905k▲ 9.2%€1.43M▲ 57.6%€342k▼ 76.0%
Net result€349k-€528k▲ 51.2%€566k▲ 7.1%€905k▲ 59.9%€15.82M▲ 1,648%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 76% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €22.41M
Fixed assets
€10.25M▼ 30.2%
Current assets
€12.16M▲ 295%
Equity and liabilities €22.41M
Equity
€20.69M▲ 60.7%
Provisions
€1.60M▼ 2.5%
Debt
€118k▼ 96.4%
The debt ratio falls from 18.3% to 0.5%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
92.3%▲
2024 · 72.5%
ROE
76.5%▲
2024 · 7.0%
ROA
70.6%▲
2024 · 5.1%
Debt
€118k▼
2024 · €3.25M
Debt ≤ 1 year
€25k▼
2024 · €1.47M
Debt > 1 year
€0▼
2024 · €1.64M
Income taxes
€167k▼
2024 · €299k
A ratio outside any meaningful range has been withheld (balance sheet total €22.41M, equity €20.69M).
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€17.76M€22.41M▲
Fixed assets21/28€14.68M€10.25M▼
Tangible fixed assets22/27€1.91M€1.85M▼
Land and buildings22€1.90M€1.81M▼
Plant, machinery and equipment23€6k€20k▲
Furniture and vehicles24€741€27k▲
Financial fixed assets28€12.77M€8.39M▼
Affiliated companies280/1€12.77M-
Participating interests280€12.77M-
Current assets29/58€3.08M€12.16M▲
Amounts receivable after more than one year29-€160k
Other amounts receivable291-€160k
Stocks and contracts in progress3€1.50M€4.14M▲
Stocks30/36€1.50M€4.14M▲
Goods purchased for resale34€1.50M-
Amounts receivable within one year40/41€1.51M€1.04M▼
Trade receivables40€855k€148k▼
Other amounts receivable41€650k€888k▲
Current investments50/53-€6.54M
Cash at bank and in hand54/58€64k€188k▲
Deferred charges and accrued income490/1€9k€103k▲
Equity and liabilities
Total equity and liabilities10/49€17.76M€22.41M▲
Equity10/15€12.87M€20.69M▲
Contributions10/11€8.07M€2.69M▼
Reserves13€4.80M€18.00M▲
Tax-exempt reserves132€877k€477k▼
Distributable reserves133€3.92M€17.52M▲
Profit (loss) carried forward14-€0
Provisions and deferred taxes16€1.64M€1.60M▼
Provisions for liabilities and charges160/5€1.64M€1.60M▼
Other liabilities and charges164/5€1.64M€1.60M▼
Amounts payable17/49€3.25M€118k▼
Amounts payable after more than one year17€1.64M€0▼
Financial debts170/4€1.64M€0▼
Other loans174€1.64M-
Amounts payable within one year42/48€1.47M€25k▼
Trade debts44€603k€25k▼
Suppliers440/4€603k€25k▼
Taxes, remuneration and social security45€9k€0▼
Taxes450/3€9k€0▼
Other amounts payable47/48€855k€0▼
Accrued charges and deferred income492/3€144k€93k▼
Income statement
Code20242025
Operating income70/76A€1.65M-
Turnover70€1.56M-
Other operating income74€81k-
Non-recurring operating income76A€0-
Operating charges60/66A€219k-
Purchases600/8€685k-
Change in stocks: decrease (increase)609€-685k-
Services and other goods61€130k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€77k€99k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€0-
Other operating charges640/8€12k€23k▲
Gross operating margin9900-€464k
Operating profit (loss)9901€1.43M€342k▼
Financial income75/76B€7k€16.01M▲
Recurring financial income75€7k€16.01M▲
Income from current assets751€4k-
Other financial income752/9€4k-
Financial charges65/66B€229k€371k▲
Recurring financial charges65€229k€371k▲
Debt charges650€226k-
Other financial charges652/9€3k-
Profit (loss) for the period before taxes9903€1.20M€15.98M▲
Income taxes67/77€299k€167k▼
Taxes670/3€299k-
Profit (loss) for the period9904€905k€15.82M▲
Transfer from tax-exempt reserves789€142k€400k▲
Transfer to tax-exempt reserves689€168k€0▼
Profit (loss) for the period to be appropriated9905€879k€16.22M▲
Appropriation of the result
Profit (loss) to be appropriated9906€879k€16.22M▲
Transfer from equity791/2-€8.00M
Transfer to equity691/2€879k€16.22M▲
To other reserves6921€879k€16.22M▲
Profit to be distributed694/7-€8.00M
Return on contributions (dividend)694-€8.00M
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
29-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 29 days late
2025
30-09
Financial
Highest result since 2019net €15.82M ▲1648%
Net result €15.82M, the highest in the series.
30-09
Financial
Liquidity times 231current ratio 484.65
Current ratio from 2.10 to 484.65; short-term debt falls from €1.47M to €25k.
2024
22-10
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2023
27-10
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2022
24-10
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2021
26-10
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
31-03
Financial
Weakest financial yearnet €349k ▼63.3%
Net result drops to €349k, the lowest in the series; recovery starts the following year.
31-03
Financial
Liquidity times 18current ratio 35.97
Current ratio from 1.99 to 35.97; short-term debt falls from €161k to €14k.
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2019
04-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2018
01-10
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2017
25-09
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2016
22-09
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
6 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-Martens-Latem · 1 establishment unit since 1993
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.
Oude Vierschaarstraat 629831 Sint-Martens-LatemGround area
7,636 m²
Building footprint
618 m²
Volume, LiDAR
3,217 m³
Parcel 44015A0307/00L005, Flanders · tallest building 18.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
FAST LANE
since 19932.053.716.860
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44015A0307/00L005 | Flanders | 7,636 m² | 1 · 617 m² | 18.4 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.
Similar companies · same sector, comparable size
PREFAHAY
BE 0475.853.591
Vorst · Eq €20.69M
Merkator Group
BE 1003.329.594
Asse · Eq €20.68M
PLASTIVAN INVEST
BE 0476.009.682
Gent · Eq €20.69M
DEMEYAN
BE 0538.734.733
Maldegem · Eq €20.70M
BOPRO SUSTAINABLE INVESTMENTS
BE 0645.628.535
Gent · Eq €20.66M
Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 4,214 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-03-1991
Fiscal year end30-09
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
77110Renting and leasing of cars and light motor vehicles
Sources
Crossroads Bank for EnterprisesNational Bank · 34 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.