FINAGEST 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 €218k and a net result of €43k. Equity is growing by ~9.6% per year across the filed fiscal years. Its solvency ranks better than 65% of 2413 sector peers (fiscal year 2025). The company has been active since 1997 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 22-07-2026, 9 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
9 d early
2024
45 d early
2023
47 d early
2022
19 d early
2021
29 d late
2020
27 d late
2019
116 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€218k▲ 24.5%
2024 · €175k
2018: €118k
2019: €93k
2020: €111k
2021: €161k
2022: €183k
2023: €174k
2024: €175k
2018 → 2025
Net result
€43k▲ 11,116%
2024 · €382
2018: €10k
2019: €5k
2020: €19k
2021: €49k
2022: €22k
2023: €32k
2024: €382
2018 → 2025
Total assets
€329k▲ 7.2%
2024 · €307k
2018: €172k
2019: €146k
2020: €142k
2021: €190k
2022: €274k
2023: €392k
2024: €307k
2018 → 2025
Solvency
66.2%▲ 9.2pp
2024 · 57.0%
2018: 68.7%
2019: 63.7%
2020: 78.6%
2021: 84.7%
2022: 66.5%
2023: 44.4%
2024: 57.0%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€161k-€183k▲ 13.7%€174k▼ 4.4%€175k▲ 0.2%€218k▲ 24.5%
Operating result€69k-€32k▼ 53.6%€45k▲ 41.1%€6k▼ 86.5%€64k▲ 950%
Net result€49k-€22k▼ 55.2%€32k▲ 45.1%€382▼ 98.8%€43k▲ 11,116%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 950% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €329k
Fixed assets
€63k▼ 11.3%
Current assets
€266k▲ 12.8%
Equity and liabilities €329k
Equity
€218k▲ 24.5%
Debt
€111k▼ 15.7%
The debt ratio falls from 43.0% to 33.8%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
66.2%▲
2024 · 57.0%
ROE
19.7%▲
2024 · 0.2%
ROA
13.0%▲
2024 · 0.1%
Debt
€111k▼
2024 · €132k
Debt ≤ 1 year
€50k▼
2024 · €74k
Debt > 1 year
€61k▲
2024 · €58k
Income taxes
€17k▲
2024 · €2k
Staff costs
€78k▼
2024 · €91k
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€307k€329k▲
Fixed assets21/28€71k€63k▼
Intangible fixed assets21€5k€3k▼
Tangible fixed assets22/27€66k€60k▼
Plant, machinery and equipment23€741€563▼
Furniture and vehicles24€66k€60k▼
Financial fixed assets28€118€118=
Current assets29/58€235k€266k▲
Amounts receivable within one year40/41€215k€247k▲
Trade receivables40€21k€16k▼
Other amounts receivable41€193k€230k▲
Cash at bank and in hand54/58€465€710▲
Deferred charges and accrued income490/1€20k€18k▼
Equity and liabilities
Total equity and liabilities10/49€307k€329k▲
Equity10/15€175k€218k▲
Contributions10/11€19k€19k=
Reserves13€48k€48k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€4k€4k=
Distributable reserves133€42k€42k=
Profit (loss) carried forward14€109k€151k▲
Amounts payable17/49€132k€111k▼
Amounts payable after more than one year17€58k€61k▲
Financial debts170/4€58k€61k▲
Amounts payable within one year42/48€74k€50k▼
Current portion of amounts payable after more than one year42€28k€26k▼
Trade debts44€3k€568▼
Suppliers440/4€3k€568▼
Taxes, remuneration and social security45€44k€24k▼
Taxes450/3€15k€15k▲
Remuneration and social security454/9€29k€8k▼
Accrued charges and deferred income492/3-€37
Income statement
Code20242025
Remuneration, social security and pensions62€91k€78k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€51k€39k▼
Other operating charges640/8€2k€1k▼
Gross operating margin9900€151k€183k▲
Operating profit (loss)9901€6k€64k▲
Financial income75/76B€0€16▲
Recurring financial income75€0€16▲
Financial charges65/66B€4k€4k▼
Recurring financial charges65€4k€4k▼
Profit (loss) for the period before taxes9903€2k€60k▲
Income taxes67/77€2k€17k▲
Profit (loss) for the period9904€382€43k▲
Profit (loss) for the period to be appropriated9905€382€43k▲
Appropriation of the result
Profit (loss) to be appropriated9906€109k€151k▲
Profit (loss) brought forward from the previous period14P€108k€109k▲
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
Next filing, fiscal year 2026, expected by
2026
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €200kEq €218k ▲24.5%
8 profitable years in a row build equity to €218k.
16-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €382 ▼98.8%
Net result drops to €382, the lowest in the series; recovery starts the following year.
14-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
12-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-12
Financial
Highest result since 2018net €49k ▲165%
Operating result €69k, net result €49k, both a record.
31-12
Financial
Equity above €150kEq €161k ▲44%
4 profitable years in a row build equity to €161k.
27-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 27 days late
2020
31-12
Financial
Liquidity quadruplescurrent ratio 5.23
Current ratio from 1.46 to 5.23; short-term debt falls from €37k to €22k.
31-12
Financial
Equity above €100kEq €111k ▲20%
3 profitable years in a row build equity to €111k.
24-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 116 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
26-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 57 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 days late
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, Andenne · 1 establishment unit since 1998
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 Stud 105300 AndenneGround area
4,785 m²
Building footprint
1,141 m²
Volume, LiDAR
5,153 m³
2 parcels, Wallonia · tallest building 7.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Route du Condroz 68, 4100 Seraing
since 19982.085.113.087
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62019B0173/00N000 | Wallonia | 3,890 m² | 1 · 1,014 m² | 7.0 m · 2 fl. |
| 92402G0412/00V003 | Wallonia | 895 m² | 1 · 127 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.
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Of 4,687 companies in sector 66220 we hold annual accounts for 3,231. 2,810 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded30-10-1997
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
67201
Sources
Crossroads Bank for EnterprisesNational Bank · 28 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:info@finagest.be