Summary
Finance and Solutions 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 €201k and a net result of €6k. Equity is growing by ~27.1% per year across the filed fiscal years. Its solvency ranks better than 37% of 1475 sector peers (fiscal year 2025). The company has been active since 2013 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
1 signal. 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 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
13 d late
2023
28 d late
2022
30 d late
2021
11 d late
2020
19 d late
2019
3 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€201k▲ 3.2%
2024 · €195k
2018: €49k
2019: €74k
2020: €81k
2021: €82k
2022: €34k
2023: €161k
2024: €195k
2018 → 2025
Net result
€6k▼ 81.7%
2024 · €34k
2018: €83k
2019: €25k
2020: €6k
2021: €756
2022: €-48k
2023: €127k
2024: €34k
2018 → 2025
Total assets
€750k▼ 15.1%
2024 · €883k
2018: €1.34M
2019: €1.22M
2020: €1.18M
2021: €1.00M
2022: €847k
2023: €857k
2024: €883k
2018 → 2025
Solvency
26.8%▲ 4.7pp
2024 · 22.1%
2018: 3.7%
2019: 6.1%
2020: 6.8%
2021: 8.1%
2022: 4.0%
2023: 18.8%
2024: 22.1%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€82k-€34k▼ 58.7%€161k▲ 378%€195k▲ 21.1%€201k▲ 3.2%
Operating result€45k-€-27k€195k€74k▼ 62.2%€36k▼ 50.7%
Net result€756-€-48k€127k€34k▼ 73.3%€6k▼ 81.7%
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 51% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €750k
Fixed assets
€212k ▼ 29.6%
Current assets
€538k ▼ 7.5%
Equity and liabilities €750k
Equity
€201k ▲ 3.2%
Debt
€549k ▼ 20.2%
Debt's share of the balance-sheet total falls from 77.9% to 73.2%. Equity is higher and debt is lower.
Key figures and ratios
ROE
3.1%▼
2024 · 17.4%
ROA
0.8%▼
2024 · 3.8%
Debt ≤ 1 year
€309k▼
2024 · €352k
Debt > 1 year
€238k▼
2024 · €335k
Income taxes
€18k▼
2024 · €25k
Staff costs
€381k▲
2024 · €341k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 54 lines
Balance sheet
Code20242025
Assets
Total assets20/58€883k€750k▼
Fixed assets21/28€302k€212k▼
Intangible fixed assets21€206k€141k▼
Tangible fixed assets22/27€96k€72k▼
Furniture and vehicles24€92k€68k▼
Other tangible fixed assets26€4k€3k▼
Current assets29/58€582k€538k▼
Amounts receivable after more than one year29€118k€118k=
Other amounts receivable291€118k€118k=
Amounts receivable within one year40/41€344k€365k▲
Trade receivables40€278k€283k▲
Other amounts receivable41€66k€82k▲
Cash at bank and in hand54/58€111k€47k▼
Deferred charges and accrued income490/1€8k€8k▲
Equity and liabilities
Total equity and liabilities10/49€883k€750k▼
Equity10/15€195k€201k▲
Contributions10/11€6k€6k=
Reserves13€189k€195k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€187k€193k▲
Amounts payable17/49€688k€549k▼
Amounts payable after more than one year17€335k€238k▼
Financial debts170/4€335k€238k▼
Amounts payable within one year42/48€352k€309k▼
Current portion of amounts payable after more than one year42€104k€97k▼
Financial debts43€63k€44k▼
Credit institutions430/8€63k€44k▼
Trade debts44€78k€60k▼
Suppliers440/4€78k€60k▼
Taxes, remuneration and social security45€107k€108k▲
Taxes450/3€56k€56k▲
Remuneration and social security454/9€51k€52k▲
Accrued charges and deferred income492/3€1k€1k▲
Income statement
Code20242025
Non-recurring operating income76A€0-
Remuneration, social security and pensions62€341k€381k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€92k€95k▲
Other operating charges640/8€19k€18k▼
Non-recurring operating charges66A€121€1k▲
Gross operating margin9900€525k€531k▲
Operating profit (loss)9901€74k€36k▼
Financial income75/76B€5k€5k▲
Recurring financial income75€5k€5k▲
Financial charges65/66B€19k€17k▼
Recurring financial charges65€19k€17k▼
Profit (loss) for the period before taxes9903€59k€24k▼
Income taxes67/77€25k€18k▼
Profit (loss) for the period9904€34k€6k▼
Profit (loss) for the period to be appropriated9905€34k€6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€34k€6k▼
Profit (loss) brought forward from the previous period14P€0-
Transfer to equity691/2€34k€6k▼
To other reserves6921€34k€6k▼
Social balance
Average headcount (FTE)90874.65.0▲
The notes to these accounts (18 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Equity above €200kEq €201k ▲3.2%
3 profitable years in a row build equity to €201k.
13-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 13 days late
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 28 days late
2023
31-12
Financial
Back to profitnet €127k
Net result €127k after one loss-making year.
31-12
Financial
Equity above €150kEq €161k ▲378%
Equity rises from €34k to €161k.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 30 days late
2022
31-12
Financial
Weakest financial yearnet €-48k ▼6430%
Net result drops to €-48k, the lowest in the series; recovery starts the following year.
11-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 11 days late
2021
19-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 19 days late
2020
03-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 3 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 30 days late
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
31-07
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
7 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, Ukkel · 1 establishment unit since 2013
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.
Georges Marlowsquare 11180 UkkelGround area
427 m²
Building footprint
187 m²
Volume, LiDAR
4,032 m³
Parcel 21016B0025/00X003, Brussels · tallest building 23.7 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
AXA Banque Mozart
since 20132.236.900.568
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21016B0025/00X003 | Brussels | 427 m² | 1 · 187 m² | 23.7 m · 7 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 4,683 companies in sector 66220 we hold annual accounts for 3,228. 2,823 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-07-2013
Fiscal year end31-12
Activities, NACEBEL 2025
66191Agents and brokers in banking services
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.