Finance Center 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 €259k and a net result of €212k. Equity is growing by ~60.7% per year across the filed fiscal years. Its solvency ranks better than 31% of 3325 sector peers (fiscal year 2024). The company has been active since 2018 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 19-06-2025, 42 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
not confirmed
2024
42 d early
2023
33 d early
2022
18 d late
2021
23 d late
2020
72 d late
2019
34 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€259k▼ 32.4%
2023 · €383k
2018: €33k
2019: €57k
2020: €109k
2021: €223k
2022: €287k
2023: €383k
2018 → 2024
Net result
€212k▲ 8.0%
2023 · €196k
2018: €17k
2019: €68k
2020: €107k
2021: €186k
2022: €241k
2023: €196k
2018 → 2024
Total assets
€902k▲ 13.1%
2023 · €798k
2018: €256k
2019: €323k
2020: €674k
2021: €688k
2022: €835k
2023: €798k
2018 → 2024
Solvency
28.7%▼ 19.3pp
2023 · 48.0%
2018: 12.9%
2019: 17.8%
2020: 16.2%
2021: 32.4%
2022: 34.3%
2023: 48.0%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€450k-
Equity€109k-€223k▲ 104%€287k▲ 28.6%€383k▲ 33.5%€259k▼ 32.4%
Operating result€172k-€250k▲ 45.2%€334k▲ 33.7%€265k▼ 20.4%€217k▼ 18.1%
Net result€107k-€186k▲ 73.1%€241k▲ 29.3%€196k▼ 18.5%€212k▲ 8.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2024 is 18% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €902k
Fixed assets
€280k▲ 72.5%
Current assets
€622k▼ 2.0%
Equity and liabilities €902k
Equity
€259k▼ 32.4%
Debt
€643k▲ 55.2%
The debt ratio rises from 52.0% to 71.3%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
28.7%▼
2023 · 48.0%
ROE
81.9%▲
2023 · 51.2%
ROA
23.5%▼
2023 · 24.6%
Debt
€643k▲
2023 · €415k
Debt ≤ 1 year
€404k▲
2023 · €222k
Debt > 1 year
€239k▲
2023 · €193k
Income taxes
€10k▼
2023 · €66k
Staff costs
€120k▼
2023 · €172k
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€798k€902k▲
Fixed assets21/28€162k€280k▲
Tangible fixed assets22/27€162k€273k▲
Plant, machinery and equipment23€49k€167k▲
Furniture and vehicles24€8k€13k▲
Other tangible fixed assets26€105k€93k▼
Financial fixed assets28€62€7k▲
Current assets29/58€635k€622k▼
Amounts receivable within one year40/41€15k€24k▲
Other amounts receivable41€15k€24k▲
Cash at bank and in hand54/58€564k€546k▼
Deferred charges and accrued income490/1€57k€52k▼
Equity and liabilities
Total equity and liabilities10/49€798k€902k▲
Equity10/15€383k€259k▼
Contributions10/11€19k€19k=
Reserves13€139k€139k=
Distributable reserves133€139k€139k=
Profit (loss) carried forward14€225k€100k▼
Amounts payable17/49€415k€643k▲
Amounts payable after more than one year17€193k€239k▲
Financial debts170/4€193k€239k▲
Amounts payable within one year42/48€222k€404k▲
Current portion of amounts payable after more than one year42€80k€53k▼
Trade debts44€18k€2k▼
Suppliers440/4€18k€2k▼
Taxes, remuneration and social security45€54k€13k▼
Taxes450/3€30k-
Remuneration and social security454/9€24k€13k▼
Other amounts payable47/48€70k€336k▲
Income statement
Code20232024
Remuneration, social security and pensions62€172k€120k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23k€30k▲
Other operating charges640/8€3k€3k▲
Gross operating margin9900€463k€370k▼
Operating profit (loss)9901€265k€217k▼
Financial income75/76B€5k€10k▲
Recurring financial income75€5k€10k▲
Financial charges65/66B€7k€6k▼
Recurring financial charges65€7k€6k▼
Profit (loss) for the period before taxes9903€263k€222k▼
Income taxes67/77€66k€10k▼
Profit (loss) for the period9904€196k€212k▲
Profit (loss) for the period to be appropriated9905€196k€212k▲
Appropriation of the result
Profit (loss) to be appropriated9906€325k€436k▲
Profit (loss) brought forward from the previous period14P€128k€225k▲
Profit to be distributed694/7€100k€336k▲
Return on contributions (dividend)694€100k€150k▲
Directors or managers695-€186k
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
2025
19-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
18-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 18 days late
2022
31-12
Financial
Highest result since 2018net €241k ▲29.3%
Operating result €334k, net result €241k, both a record.
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 23 days late
2021
31-12
Financial
Equity above €200kEq €223k ▲104%
4 profitable years in a row build equity to €223k.
11-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 72 days late
2020
31-12
Financial
Equity above €100kEq €109k ▲90.2%
3 profitable years in a row build equity to €109k.
03-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 34 days late
2019
23-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro 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, Antwerpen · 1 establishment unit since 2020
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.
Luitenant Lippenslaan 422140 AntwerpenGround area
244 m²
Building footprint
244 m²
Volume, LiDAR
1,433 m³
Parcel 11006A0226/03F002, Flanders · tallest building 10.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Fintro Borgerhout Singel
since 20202.314.099.702
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11006A0226/03F002 | Flanders | 244 m² | 1 · 244 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 1,681 companies in sector 66191 we hold annual accounts for 1,229. 1,078 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-01-2018
Fiscal year end31-12
Activities, NACEBEL
66191Agents and brokers in banking services
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 7 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.