Finanns 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 €43k and a net result of €20k. Equity is growing by ~11.3% per year across the filed fiscal years. Its solvency ranks better than 69% of 8018 sector peers (fiscal year 2025). The company has been active since 2017 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 12-08-2026, 12 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 · 8 filingsDeviation from the deadline
2025
12 d late
2024
13 d late
2023
41 d early
2022
40 d early
2021
47 d early
2020
65 d early
2019
53 d early
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€43k▼ 18.7%
2024 · €53k
2018: €21k
2019: €29k
2020: €37k
2021: €25k
2022: €37k
2023: €50k
2024: €53k
2018 → 2025
Net result
€20k▲ 624%
2024 · €3k
2018: €15k
2019: €8k
2020: €8k
2021: €16k
2022: €-514
2023: €14k
2024: €3k
2018 → 2025
Total assets
€59k▼ 13.5%
2024 · €68k
2018: €69k
2019: €68k
2020: €70k
2021: €40k
2022: €57k
2023: €62k
2024: €68k
2018 → 2025
Solvency
72.8%▼ 4.7pp
2024 · 77.6%
2018: 30.4%
2019: 42.0%
2020: 53.1%
2021: 62.0%
2022: 63.7%
2023: 80.8%
2024: 77.6%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€25k-€37k▲ 48.1%€50k▲ 37.3%€53k▲ 5.5%€43k▼ 18.7%
Operating result€23k-€3k▼ 87.0%€20k▲ 587%€7k▼ 63.0%€31k▲ 312%
Net result€16k-€-514€14k€3k▼ 79.6%€20k▲ 624%
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 312% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €59k
Fixed assets
€8k▼ 25.9%
Current assets
€52k▼ 11.3%
Equity and liabilities €59k
Equity
€43k▼ 18.7%
Debt
€16k▲ 4.8%
The debt ratio rises from 22.4% to 27.2%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
72.8%▼
2024 · 77.6%
ROE
46.6%▲
2024 · 5.2%
ROA
34.0%▲
2024 · 4.1%
Debt
€16k▲
2024 · €15k
Debt ≤ 1 year
€16k▲
2024 · €15k
Income taxes
€10k▲
2024 · €4k
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€68k€59k▼
Fixed assets21/28€10k€8k▼
Tangible fixed assets22/27€10k€8k▼
Land and buildings22€4k€3k▼
Furniture and vehicles24€6k€4k▼
Current assets29/58€58k€52k▼
Amounts receivable within one year40/41€34k€30k▼
Trade receivables40€29k€26k▼
Other amounts receivable41€5k€4k▼
Cash at bank and in hand54/58€23k€19k▼
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€68k€59k▼
Equity10/15€53k€43k▼
Contributions10/11€19k€19k=
Reserves13€34k€24k▼
Distributable reserves133€34k€24k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€15k€16k▲
Amounts payable within one year42/48€15k€16k▲
Trade debts44€8k€8k▲
Suppliers440/4€8k€8k▲
Taxes, remuneration and social security45€8k€8k▼
Taxes450/3€8k€8k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€4k▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€12k€37k▲
Operating profit (loss)9901€7k€31k▲
Financial income75/76B€295€151▼
Recurring financial income75€295€151▼
Financial charges65/66B€606€410▼
Recurring financial charges65€606€410▼
Profit (loss) for the period before taxes9903€7k€31k▲
Income taxes67/77€4k€10k▲
Profit (loss) for the period9904€3k€20k▲
Profit (loss) for the period to be appropriated9905€3k€20k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-10k€20k▲
Profit (loss) brought forward from the previous period14P€-13k€0▲
Transfer from equity791/2€13k€30k▲
Transfer to equity691/2€3k€20k▲
To other reserves6921€3k€20k▲
Profit to be distributed694/7-€30k
Return on contributions (dividend)694-€30k
The notes to these accounts (16 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
12-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 12 days late
2025
31-12
Financial
Highest result since 2018net €20k ▲624%
Operating result €31k, net result €20k, both a record.
13-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 13 days late
2024
20-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €14k
Net result €14k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 4.20
Current ratio from 2.09 to 4.20; short-term debt falls from €21k to €12k.
21-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-514 ▼103%
Net result drops to €-514, the lowest in the series; recovery starts the following year.
14-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
27-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
08-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
20-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 20 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Peer · 1 establishment unit since 2017
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.
Laarderweg 993990 PeerGround area
881 m²
Building footprint
152 m²
Volume, LiDAR
824 m³
Parcel 72010D0636/00P000, Flanders · tallest building 6.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Finanns
since 20172.269.938.867
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72010D0636/00P000 | Flanders | 881 m² | 1 · 152 m² | 6.5 m · 2 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 24,728 companies in sector 64210 we hold annual accounts for 19,762. 9,949 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-11-2017
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:finannsbvba@gmail.com