Feal 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 €291k and a net result of €42k. Equity is growing by ~20.9% per year across the filed fiscal years. Its solvency ranks better than 67% of 9864 sector peers (fiscal year 2024). The company has been active since 2008 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 25-06-2025, 36 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
36 d early
2023
56 d early
2022
55 d early
2021
54 d early
2020
37 d early
2019
12 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€291k▲ 10.1%
2023 · €265k
2018: €98k
2019: €117k
2020: €141k
2021: €172k
2022: €211k
2023: €265k
2018 → 2024
Net result
€42k▼ 28.1%
2023 · €58k
2018: €21k
2019: €20k
2020: €24k
2021: €43k
2022: €40k
2023: €58k
2018 → 2024
Total assets
€405k▼ 3.5%
2023 · €419k
2018: €162k
2019: €158k
2020: €167k
2021: €202k
2022: €264k
2023: €419k
2018 → 2024
Solvency
72.0%▲ 8.9pp
2023 · 63.1%
2018: 60.3%
2019: 74.3%
2020: 84.4%
2021: 84.8%
2022: 80.1%
2023: 63.1%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€141k-€172k▲ 21.5%€211k▲ 23.3%€265k▲ 25.1%€291k▲ 10.1%
Operating result€32k-€60k▲ 86.8%€54k▼ 9.8%€81k▲ 49.2%€62k▼ 23.8%
Net result€24k-€43k▲ 80.4%€40k▼ 7.1%€58k▲ 45.5%€42k▼ 28.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 24% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €405k
Fixed assets
€103k▼ 12.4%
Current assets
€302k=
Equity and liabilities €405k
Equity
€291k▲ 10.1%
Debt
€113k▼ 26.7%
The debt ratio falls from 36.9% to 28.0%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
72.0%▲
2023 · 63.1%
ROE
14.3%▼
2023 · 22.0%
ROA
10.3%▼
2023 · 13.9%
Debt
€113k▼
2023 · €155k
Debt ≤ 1 year
€47k▼
2023 · €49k
Debt > 1 year
€66k▼
2023 · €106k
Income taxes
€17k▼
2023 · €23k
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€419k€405k▼
Fixed assets21/28€117k€103k▼
Tangible fixed assets22/27€117k€103k▼
Plant, machinery and equipment23€7k€6k▼
Furniture and vehicles24€4k€6k▲
Leasing and similar rights25€106k€91k▼
Current assets29/58€302k€302k=
Amounts receivable within one year40/41€270-
Trade receivables40€270-
Current investments50/53€36k€37k▲
Cash at bank and in hand54/58€266k€265k▼
Equity and liabilities
Total equity and liabilities10/49€419k€405k▼
Equity10/15€265k€291k▲
Contributions10/11€7k€7k=
Reserves13€258k€285k▲
Non-distributable reserves130/1€2k-
Reserves not available under the articles1311€2k-
Tax-exempt reserves132€30k€30k=
Distributable reserves133€226k€254k▲
Amounts payable17/49€155k€113k▼
Amounts payable after more than one year17€106k€66k▼
Financial debts170/4€106k€66k▼
Amounts payable within one year42/48€49k€47k▼
Current portion of amounts payable after more than one year42-€20k
Trade debts44€2k€179▼
Suppliers440/4€2k€179▼
Taxes, remuneration and social security45€41k€27k▼
Taxes450/3€36k€21k▼
Remuneration and social security454/9€5k€6k▲
Other amounts payable47/48€6k-
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€18k▲
Other operating charges640/8€1k€3k▲
Gross operating margin9900€87k€83k▼
Operating profit (loss)9901€81k€62k▼
Financial income75/76B€636€612▼
Recurring financial income75€636€612▼
Financial charges65/66B€923€4k▲
Recurring financial charges65€923€4k▲
Profit (loss) for the period before taxes9903€81k€58k▼
Income taxes67/77€23k€17k▼
Profit (loss) for the period9904€58k€42k▼
Profit (loss) for the period to be appropriated9905€58k€42k▼
Appropriation of the result
Profit (loss) to be appropriated9906€58k€42k▼
Transfer from equity791/2€5k€2k▼
Transfer to equity691/2€58k€44k▼
To other reserves6921€58k€44k▼
Profit to be distributed694/7€5k-
Return on contributions (dividend)694€5k-
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
25-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
05-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €58k ▲45.5%
Operating result €81k, net result €58k, both a record.
06-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €200kEq €211k ▲23.3%
5 profitable years in a row build equity to €211k.
07-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €150kEq €172k ▲21.5%
4 profitable years in a row build equity to €172k.
24-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
12-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 12 days late
2019
31-12
Financial
Weakest financial yearnet €20k ▼3.8%
Net result drops to €20k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €100kEq €117k ▲20.3%
2 profitable years in a row build equity to €117k.
29-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
06-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
27-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated 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, Lille · 1 establishment unit since 2008
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.
Rondtuin 172275 LilleGround area
701 m²
Building footprint
208 m²
Parcel 13009C0159/00K002, Flanders. Linked by address, not a title deed.
1 establishment unit
Rondtuin 17, 2275 Lille
since 20082.168.437.374
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13009C0159/00K002 | Flanders | 701 m² | 1 · 208 m² | - |
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.
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,754. 13,750 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-01-2008
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.