FILCOO 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 €812k and a net result of €57k. Equity is growing by ~4.9% per year across the filed fiscal years. Its solvency ranks better than 88% of 5498 sector peers (fiscal year 2025). 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
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 02-07-2026, 29 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
29 d early
2024
17 d early
2023
26 d early
2022
21 d late
2021
34 d early
2020
25 d early
2019
24 d late
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€812k▲ 7.5%
2024 · €755k
2018: €555k
2019: €626k
2020: €713k
2021: €790k
2022: €614k
2023: €685k
2024: €755k
2018 → 2025
Net result
€57k▼ 18.9%
2024 · €70k
2018: €78k
2019: €71k
2020: €87k
2021: €76k
2022: €70k
2023: €72k
2024: €70k
2018 → 2025
Total assets
€874k▲ 1.7%
2024 · €860k
2018: €687k
2019: €700k
2020: €741k
2021: €805k
2022: €860k
2023: €816k
2024: €860k
2018 → 2025
Solvency
92.9%▲ 5.0pp
2024 · 87.8%
2018: 80.8%
2019: 89.4%
2020: 96.3%
2021: 98.2%
2022: 71.3%
2023: 84.0%
2024: 87.8%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€790k-€614k▼ 22.3%€685k▲ 11.7%€755k▲ 10.2%€812k▲ 7.5%
Operating result€106k-€97k▼ 9.1%€99k▲ 2.0%€98k▼ 0.6%€82k▼ 16.5%
Net result€76k-€70k▼ 8.7%€72k▲ 2.8%€70k▼ 2.6%€57k▼ 18.9%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 17% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €874k
Fixed assets
€551k▼ 2.6%
Current assets
€323k▲ 10.0%
Equity and liabilities €874k
Equity
€812k▲ 7.5%
Debt
€62k▼ 40.5%
The debt ratio falls from 12.2% to 7.1%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
92.9%▲
2024 · 87.8%
ROE
7.0%▼
2024 · 9.3%
ROA
6.5%▼
2024 · 8.1%
Debt
€62k▼
2024 · €105k
Debt ≤ 1 year
€27k▼
2024 · €56k
Debt > 1 year
€33k▼
2024 · €46k
Income taxes
€23k▼
2024 · €26k
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€860k€874k▲
Fixed assets21/28€566k€551k▼
Tangible fixed assets22/27€66k€51k▼
Furniture and vehicles24€66k€51k▼
Financial fixed assets28€500k€500k=
Current assets29/58€294k€323k▲
Amounts receivable within one year40/41€206k€205k▼
Trade receivables40€0-
Other amounts receivable41€206k€205k▼
Cash at bank and in hand54/58€87k€117k▲
Deferred charges and accrued income490/1€890€992▲
Equity and liabilities
Total equity and liabilities10/49€860k€874k▲
Equity10/15€755k€812k▲
Contributions10/11€13k€13k=
Reserves13€743k€800k▲
Distributable reserves133€743k€800k▲
Amounts payable17/49€105k€62k▼
Amounts payable after more than one year17€46k€33k▼
Financial debts170/4€46k€33k▼
Amounts payable within one year42/48€56k€27k▼
Current portion of amounts payable after more than one year42€13k€13k▲
Financial debts43€6k€5k▼
Credit institutions430/8€6k€5k▼
Trade debts44€1k€1k▲
Suppliers440/4€1k€1k▲
Taxes, remuneration and social security45€3k€6k▲
Taxes450/3€3k€5k▲
Remuneration and social security454/9-€400
Other amounts payable47/48€33k€2k▼
Accrued charges and deferred income492/3€2k€2k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€15k▲
Other operating charges640/8€1k€963▼
Gross operating margin9900€108k€98k▼
Operating profit (loss)9901€98k€82k▼
Financial income75/76B€0€24▲
Recurring financial income75€0€24▲
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€96k€79k▼
Income taxes67/77€26k€23k▼
Profit (loss) for the period9904€70k€57k▼
Profit (loss) for the period to be appropriated9905€70k€57k▼
Appropriation of the result
Profit (loss) to be appropriated9906€70k€57k▼
Transfer to equity691/2€70k€57k▼
To other reserves6921€70k€57k▼
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
Next filing, fiscal year 2026, expected by
2026
02-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €57k ▼18.9%
Net result drops to €57k, the lowest in the series.
31-12
Financial
Liquidity doublescurrent ratio 11.87
Current ratio from 5.23 to 11.87; short-term debt falls from €56k to €27k.
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Liquidity doublescurrent ratio 5.23
Current ratio from 2.46 to 5.23; short-term debt falls from €128k to €56k.
05-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
21-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 21 days late
2022
27-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Liquidity doublescurrent ratio 23.58
Current ratio from 11.11 to 23.58; short-term debt falls from €22k to €13k.
06-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Highest result since 2018net €87k ▲21.9%
Operating result €125k, net result €87k, both a record.
31-12
Financial
Liquidity quadruplescurrent ratio 11.11
Current ratio from 2.84 to 11.11; short-term debt falls from €68k to €22k.
24-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 24 days late
2019
04-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
19-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
04-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Aalst · 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.
Kempinnestraat 179310 AalstGround area
877 m²
Building footprint
185 m²
Volume, LiDAR
1,423 m³
Parcel 41039B0018/00W000, Flanders · tallest building 10.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Kempinnestraat 17, 9310 Aalst
since 20082.228.210.358
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41039B0018/00W000 | Flanders | 877 m² | 1 · 185 m² | 10.3 m · 3 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.
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Of 24,726 companies in sector 64210 we hold annual accounts for 19,748. 13,131 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-10-2008
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 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.