Summary
FINOST - FINEST 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 €64.64M and a net result of €2.65M. Equity is growing by ~3.1% per year across the filed fiscal years. Its solvency ranks better than 80% of 2394 sector peers (fiscal year 2025). The company has been active since 1996 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 01-07-2026, 30 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
30 d early
2024
20 d early
2023
20 d early
2022
39 d early
2021
31 d early
2020
37 d early
2019
18 d early
← 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, full schema
Equity
€64.64M▲ 2.7%
2024 · €62.93M
2018: €49.89M
2019: €53.93M
2020: €55.77M
2021: €57.54M
2022: €59.47M
2023: €61.15M
2024: €62.93M
2018 → 2025
Net result
€2.65M▼ 4.6%
2024 · €2.78M
2018: €2.92M
2019: €4.67M
2020: €2.50M
2021: €2.48M
2022: €2.55M
2023: €2.62M
2024: €2.78M
2018 → 2025
Total assets
€70.01M▲ 1.4%
2024 · €69.05M
2018: €68.56M
2019: €72.35M
2020: €66.94M
2021: €65.48M
2022: €66.63M
2023: €67.93M
2024: €69.05M
2018 → 2025
Solvency
92.3%▲ 1.2pp
2024 · 91.1%
2018: 72.8%
2019: 74.5%
2020: 83.3%
2021: 87.9%
2022: 89.3%
2023: 90.0%
2024: 91.1%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€57.54M-€59.47M▲ 3.4%€61.15M▲ 2.8%€62.93M▲ 2.9%€64.64M▲ 2.7%
Operating result€-135k-€-123k▲ 8.9%€-145k▼ 17.7%€-156k▼ 7.5%€-141k▲ 9.9%
Net result€2.48M-€2.55M▲ 3.2%€2.62M▲ 2.7%€2.78M▲ 6.1%€2.65M▼ 4.6%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €141k in 2025 against €156k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €70.01M
Fixed assets
€62.99M =
Current assets
€7.01M ▲ 15.2%
Equity and liabilities €70.01M
Equity
€64.64M ▲ 2.7%
Debt
€5.37M ▼ 12.4%
Debt's share of the balance-sheet total falls from 8.9% to 7.7%. Equity is higher and debt is lower.
Key figures and ratios
ROE
4.1%▼
2024 · 4.4%
ROA
3.8%▼
2024 · 4.0%
Debt ≤ 1 year
€1.68M▼
2024 · €1.73M
Debt > 1 year
€3.67M▼
2024 · €4.39M
Staff costs
€27k▲
2024 · €26k
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 · 57 lines
Balance sheet
Code20242025
Assets
Total assets20/58€69.05M€70.01M▲
Fixed assets21/28€62.96M€62.99M=
Tangible fixed assets22/27€2k€1k▼
Furniture and vehicles24€2k€1k▼
Financial fixed assets28€62.96M€62.99M=
Other financial fixed assets284/8€62.96M€62.99M=
Shares284€62.96M€62.99M=
Current assets29/58€6.09M€7.01M▲
Amounts receivable within one year40/41€1.74M€1.75M▲
Other amounts receivable41€1.74M€1.75M▲
Current investments50/53€3.20M€5.20M▲
Other investments51/53€3.20M€5.20M▲
Cash at bank and in hand54/58€1.14M€60k▼
Equity and liabilities
Total equity and liabilities10/49€69.05M€70.01M▲
Equity10/15€62.93M€64.64M▲
Contributions10/11€41.02M€41.02M=
Reserves13€21.91M€23.62M▲
Distributable reserves133€21.91M€23.62M▲
Amounts payable17/49€6.13M€5.37M▼
Amounts payable after more than one year17€4.39M€3.67M▼
Financial debts170/4€4.39M€3.67M▼
Credit institutions173€4.39M€3.67M▼
Amounts payable within one year42/48€1.73M€1.68M▼
Current portion of amounts payable after more than one year42€710k€716k▲
Trade debts44€1k€6k▲
Suppliers440/4€1k€6k▲
Taxes, remuneration and social security45€15k€18k▲
Taxes450/3€10k€11k▲
Remuneration and social security454/9€5k€8k▲
Other amounts payable47/48€1.00M€942k▼
Accrued charges and deferred income492/3€11k€11k▼
Income statement
Code20242025
Operating income70/76A€641€402▼
Other operating income74€641€402▼
Operating charges60/66A€157k€141k▼
Services and other goods61€130k€113k▼
Remuneration, social security and pensions62€26k€27k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18€515▲
Other operating charges640/8€968€998▲
Operating profit (loss)9901€-156k€-141k▲
Financial income75/76B€2.99M€2.84M▼
Recurring financial income75€2.99M€2.84M▼
Income from financial fixed assets750€2.89M€2.74M▼
Income from current assets751€96k€99k▲
Financial charges65/66B€50k€47k▼
Recurring financial charges65€50k€44k▼
Debt charges650€49k€43k▼
Other financial charges652/9€1k€1k▲
Non-recurring financial charges66B-€3k
Profit (loss) for the period before taxes9903€2.78M€2.65M▼
Profit (loss) for the period9904€2.78M€2.65M▼
Profit (loss) for the period to be appropriated9905€2.78M€2.65M▼
Appropriation of the result
Profit (loss) to be appropriated9906€2.78M€2.65M▼
Transfer to equity691/2€1.78M€1.71M▼
To other reserves6921€1.78M€1.71M▼
Profit to be distributed694/7€1.00M€942k▼
Return on contributions (dividend)694€1.00M€942k▼
Social balance
Average headcount (FTE)90870.70.6▼
The notes to these accounts (36 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
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
11-07
NBB filing
Annual accounts filed
fiscal year 2024 · unclassified schema
2024
11-07
NBB filing
Annual accounts filed
fiscal year 2023 · unclassified schema
2023
22-06
NBB filing
Annual accounts filed
fiscal year 2022 · unclassified schema
2022
30-06
NBB filing
Annual accounts filed
fiscal year 2021 · unclassified schema
2021
31-12
Financial
Weakest financial yearnet €2.48M ▼1.1%
Net result drops to €2.48M, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity quadruplescurrent ratio 1.84
Current ratio from 0.51 to 1.84; short-term debt falls from €7.95M to €1.42M.
24-06
NBB filing
Annual accounts filed
fiscal year 2020 · unclassified schema
2020
13-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Highest result since 2018net €4.67M ▲59.6%
Net result €4.67M, the highest in the series.
31-12
Financial
Liquidity doublescurrent ratio 10.00
Current ratio from 4.40 to 10.00.
31-12
Financial
Equity above €50MEq €53.93M ▲8.1%
2 profitable years in a row build equity to €53.93M.
Show earlier events
11-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
06-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
11-07
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
21 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, Eupen
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.
Place de l'Hôtel de Ville 144700 EupenGround area
2,563 m²
Building footprint
802 m²
Parcel 63023B0072/00C000, Wallonia. Linked by address, not a title deed.
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63023B0072/00C000 ProtectedMonument · Site or landscape |
Wallonia | 2,563 m² | 1 · 802 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
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Of 807 companies in sector 64999 we hold annual accounts for 484. 60 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 formCooperative company
Founded26-04-1996
Fiscal year end31-12
Activities, NACEBEL 2025
64999Other financial services
Sources
Crossroads Bank for EnterprisesNational Bank · 30 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesWebsite:www.finost.be
E-mail:officiel.ic-finost@finost.be