Summary
finexperience 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 €1.33M and a net result of €137k. Equity is growing by ~11.1% per year across the filed fiscal years. Its solvency ranks better than 84% of 6156 sector peers (fiscal year 2024). The company has been active since 2011 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 · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-09-2025, 60 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
60 d late
2023
29 d early
2022
135 d late
2021
246 d late
2020
90 d late
2019
63 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, abbreviated schema
Equity
€1.33M▲ 11.5%
2023 · €1.19M
2018: €688k
2019: €860k
2020: €942k
2021: €1.06M
2022: €1.18M
2023: €1.19M
2018 → 2024
Net result
€137k▲ 53.9%
2023 · €89k
2018: €139k
2019: €172k
2020: €82k
2021: €120k
2022: €119k
2023: €89k
2018 → 2024
Total assets
€1.51M▲ 1.7%
2023 · €1.48M
2018: €772k
2019: €935k
2020: €1.14M
2021: €1.29M
2022: €1.40M
2023: €1.48M
2018 → 2024
Solvency
88.4%▲ 7.8pp
2023 · 80.6%
2018: 89.0%
2019: 92.0%
2020: 82.4%
2021: 82.5%
2022: 84.2%
2023: 80.6%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€942k-€1.06M▲ 12.7%€1.18M▲ 11.2%€1.19M▲ 1.2%€1.33M▲ 11.5%
Operating result€103k-€157k▲ 52.8%€156k▼ 0.4%€127k▼ 18.8%€26k▼ 79.5%
Net result€82k-€120k▲ 45.8%€119k▼ 0.4%€89k▼ 25.2%€137k▲ 53.9%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2024 is 79% below 2023 and is the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.51M
Fixed assets
€680k ▼ 0.6%
Current assets
€826k ▲ 3.6%
Equity and liabilities €1.51M
Equity
€1.33M ▲ 11.5%
Debt
€174k ▼ 39.3%
Debt's share of the balance-sheet total falls from 19.4% to 11.6%. Equity is higher and debt is lower.
Key figures and ratios
ROE
10.3%▲
2023 · 7.5%
ROA
9.1%▲
2023 · 6.0%
Debt ≤ 1 year
€72k▼
2023 · €174k
Debt > 1 year
€102k▼
2023 · €112k
Income taxes
€19k▼
2023 · €38k
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 · 2024 against 2023 · 51 lines
Balance sheet
Code20232024
Assets
Total assets20/58€1.48M€1.51M▲
Fixed assets21/28€685k€680k▼
Tangible fixed assets22/27€644k€640k▼
Land and buildings22€633k€617k▼
Plant, machinery and equipment23€2k€2k▼
Furniture and vehicles24€1k€13k▲
Assets under construction and advance payments27€8k€8k=
Financial fixed assets28€40k€40k=
Current assets29/58€797k€826k▲
Amounts receivable within one year40/41€122k€79k▼
Trade receivables40€19k€12k▼
Other amounts receivable41€103k€67k▼
Cash at bank and in hand54/58€668k€740k▲
Deferred charges and accrued income490/1€6k€7k▲
Equity and liabilities
Total equity and liabilities10/49€1.48M€1.51M▲
Equity10/15€1.19M€1.33M▲
Contributions10/11€6k€6k=
Reserves13€88k€215k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€86k€214k▲
Profit (loss) carried forward14€1.10M€1.11M▲
Amounts payable17/49€287k€174k▼
Amounts payable after more than one year17€112k€102k▼
Financial debts170/4€112k€102k▼
Amounts payable within one year42/48€174k€72k▼
Current portion of amounts payable after more than one year42€10k€10k▲
Trade debts44€4k€4k▼
Suppliers440/4€4k€4k▼
Taxes, remuneration and social security45€86k€58k▼
Taxes450/3€86k€58k▼
Other amounts payable47/48€75k-
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€19k▲
Other operating charges640/8€1k€1k▲
Gross operating margin9900€145k€47k▼
Operating profit (loss)9901€127k€26k▼
Financial income75/76B€1k€131k▲
Recurring financial income75€1k€1k▼
Non-recurring financial income76B-€130k
Financial charges65/66B€1k€1k▼
Recurring financial charges65€1k€1k▼
Profit (loss) for the period before taxes9903€127k€156k▲
Income taxes67/77€38k€19k▼
Profit (loss) for the period9904€89k€137k▲
Profit (loss) for the period to be appropriated9905€89k€137k▲
Appropriation of the result
Profit (loss) to be appropriated9906€1.26M€1.24M▼
Profit (loss) brought forward from the previous period14P€1.17M€1.10M▼
Transfer to equity691/2€86k€127k▲
To other reserves6921€86k€127k▲
Profit to be distributed694/7€75k-
Return on contributions (dividend)694€75k-
The notes to these accounts (13 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
04-09
State Gazette act
General meeting · Auditor reappointment
Permanent representative · Director resignation
2025
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 60 days late
2024
31-12
Financial
Liquidity triplescurrent ratio 11.54
Current ratio from 4.57 to 11.54; short-term debt falls from €174k to €72k.
02-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
13-12
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 135 days late
03-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 246 days late
2021
31-12
Financial
Equity above €1MEq €1.06M ▲12.7%
4 profitable years in a row build equity to €1.06M.
29-10
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 90 days late
2020
31-12
Financial
Weakest financial yearnet €82k ▼52.4%
Net result drops to €82k, the lowest in the series; recovery starts the following year.
02-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 63 days late
2019
31-12
Financial
Highest result since 2018net €172k ▲23.6%
Operating result €235k, net result €172k, both a record.
23-09
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 54 days late
Show earlier events
2018
29-11
State Gazette act
General meeting · Registered-office move
Capital decrease · Capital increase
10-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
12-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
18-08
State Gazette act
General meeting · Director resignation
Director appointment · Board composition
26-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Nijlen · 1 establishment unit since 2011
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.
Smoutmolendreef(Kessel) 592560 NijlenGround area
756 m²
Building footprint
160 m²
Volume, LiDAR
1,091 m³
Parcel 12018D0161/00X002, Flanders · tallest building 10.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Smoutmolendreef(Kessel) 59, 2560 Nijlen
since 20112.204.094.079
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12018D0161/00X002 | Flanders | 756 m² | 1 · 159 m² | 10.8 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.
Structure & network
Ownership & control
1 board mandateBoard mandates of this companythis company sits on their board1
1 location
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 12,036 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
Founded04-01-2011
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.