FINANCE & RISK ADVISORY 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 €51k and a net result of €25k. Equity is growing by ~15.7% per year across the filed fiscal years. Its solvency ranks better than 39% of 8018 sector peers (fiscal year 2025). The company has been active since 2021 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 · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 4 filingsDeviation from the deadline
2025
28 d late
2024
20 d early
2023
23 d late
2022
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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€51k▼ 55.1%
2024 · €113k
2022: €55k
2023: €89k
2024: €113k
2022 → 2025
Net result
€25k▲ 1.8%
2024 · €25k
2022: €52k
2023: €34k
2024: €25k
2022 → 2025
Total assets
€136k▼ 7.3%
2024 · €147k
2022: €92k
2023: €126k
2024: €147k
2022 → 2025
Solvency
37.2%▼ 39.5pp
2024 · 76.7%
2022: 59.9%
2023: 70.4%
2024: 76.7%
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€55k-€89k▲ 60.7%€113k▲ 27.2%€51k▼ 55.1%
Operating result€74k-€42k▼ 43.0%€30k▼ 27.5%€35k▲ 13.5%
Net result€52k-€34k▼ 34.2%€25k▼ 27.2%€25k▲ 1.8%
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 14% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €136k
Fixed assets
€2k▼ 76.5%
Current assets
€135k▼ 3.9%
Equity and liabilities €136k
Equity
€51k▼ 55.1%
Debt
€86k▲ 150%
The debt ratio rises from 23.3% to 62.8%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
37.2%▼
2024 · 76.7%
ROE
50.2%▲
2024 · 22.2%
ROA
18.7%▲
2024 · 17.0%
Debt
€86k▲
2024 · €34k
Debt ≤ 1 year
€85k▲
2024 · €34k
Income taxes
€9k▲
2024 · €9k
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€147k€136k▼
Fixed assets21/28€7k€2k▼
Tangible fixed assets22/27€7k€2k▼
Furniture and vehicles24€7k€2k▼
Current assets29/58€140k€135k▼
Amounts receivable within one year40/41€27k€10k▼
Trade receivables40€10k€10k▼
Other amounts receivable41€17k€182▼
Cash at bank and in hand54/58€113k€124k▲
Deferred charges and accrued income490/1€295€0▼
Equity and liabilities
Total equity and liabilities10/49€147k€136k▼
Equity10/15€113k€51k▼
Contributions10/11€3k€3k=
Reserves13€52k€52k=
Distributable reserves133€52k€52k=
Profit (loss) carried forward14€58k€-5k▼
Amounts payable17/49€34k€86k▲
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€34k€85k▲
Current portion of amounts payable after more than one year42€1k€0▼
Trade debts44€3k€572▼
Suppliers440/4€3k€572▼
Taxes, remuneration and social security45€29k€16k▼
Taxes450/3€29k€16k▼
Remuneration and social security454/9€0-
Other amounts payable47/48€687€68k▲
Accrued charges and deferred income492/3-€592
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€7k▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€38k€44k▲
Operating profit (loss)9901€30k€35k▲
Financial income75/76B€4k€0▼
Recurring financial income75€4k€0▼
Financial charges65/66B€483€246▼
Recurring financial charges65€483€246▼
Profit (loss) for the period before taxes9903€34k€34k▲
Income taxes67/77€9k€9k▲
Profit (loss) for the period9904€25k€25k▲
Profit (loss) for the period to be appropriated9905€25k€25k▲
Appropriation of the result
Profit (loss) to be appropriated9906€59k€83k▲
Profit (loss) brought forward from the previous period14P€34k€58k▲
Profit to be distributed694/7€859€88k▲
Return on contributions (dividend)694€859€88k▲
The notes to these accounts (14 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
11-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €25k ▼27.2%
Net result drops to €25k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €100kEq €113k ▲27.2%
3 profitable years in a row build equity to €113k.
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 23 days late
2023
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 24 days late
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, Eghezée · 1 establishment unit since 2022
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 de la Terre Franche,Leuze 1275310 EghezéeGround area
1,549 m²
Building footprint
132 m²
Parcel 92072A0055/00L002, Wallonia. Linked by address, not a title deed.
1 establishment unit
Finance & Risk Advisory
since 20222.325.602.615
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92072A0055/00L002 | Wallonia | 1,549 m² | 1 · 132 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 807 companies in sector 64999 we hold annual accounts for 484. 287 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-12-2021
Fiscal year end31-12
Activities, NACEBEL
64999Other financial services
58190Other publishing activities, excluding software publishing
66199Other activities auxiliary to financial services, excluding insurance and pension funding
70200Business and other management consultancy
70220Business consulting
85592Vocational training
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
3 entriesE-mail:stephan@finarisk.org
Phone:+32495321900
Phone:0495321900