FINPARTNER 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 €292k and a net result of €85k. Equity is growing by ~9.4% per year across the filed fiscal years. Its solvency ranks better than 69% of 6156 sector peers (fiscal year 2024). The company has been active since 2006 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 · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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
61 d late
2023
61 d late
2022
70 d late
2021
80 d late
2020
94 d late
2019
91 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€292k▼ 22.5%
2023 · €377k
2018: €195k
2019: €190k
2020: €202k
2021: €238k
2022: €276k
2023: €377k
2018 → 2024
Net result
€85k▼ 15.4%
2023 · €101k
2018: €20k
2019: €-5k
2020: €13k
2021: €35k
2022: €38k
2023: €101k
2018 → 2024
Total assets
€407k▼ 11.4%
2023 · €459k
2018: €305k
2019: €304k
2020: €348k
2021: €391k
2022: €464k
2023: €459k
2018 → 2024
Solvency
71.8%▼ 10.3pp
2023 · 82.1%
2018: 63.9%
2019: 62.3%
2020: 58.2%
2021: 60.8%
2022: 59.5%
2023: 82.1%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Turnover€214k€182k▼ 15.0%
Equity€202k-€238k▲ 17.5%€276k▲ 16.1%€377k▲ 36.4%€292k▼ 22.5%
Operating result€17k-€51k▲ 210%€53k▲ 3.8%€149k▲ 179%€123k▼ 17.3%
Net result€13k-€35k▲ 176%€38k▲ 8.3%€101k▲ 162%€85k▼ 15.4%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2024; 2024 is 17% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €407k
Fixed assets
€4k▲ 69.0%
Current assets
€403k▼ 11.8%
Equity and liabilities €407k
Equity
€292k▼ 22.5%
Debt
€115k▲ 39.7%
The debt ratio rises from 17.9% to 28.2%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
71.8%▼
2023 · 82.1%
ROE
29.1%▲
2023 · 26.7%
ROA
20.9%▼
2023 · 21.9%
Debt
€115k▲
2023 · €82k
Debt ≤ 1 year
€115k▲
2023 · €82k
Income taxes
€41k▼
2023 · €48k
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€459k€407k▼
Fixed assets21/28€3k€4k▲
Tangible fixed assets22/27€3k€4k▲
Plant, machinery and equipment23€1k€653▼
Furniture and vehicles24€1k€4k▲
Current assets29/58€457k€403k▼
Amounts receivable within one year40/41€100k€68k▼
Trade receivables40€79k€68k▼
Other amounts receivable41€21k-
Current investments50/53€150k€253k▲
Cash at bank and in hand54/58€206k€82k▼
Equity and liabilities
Total equity and liabilities10/49€459k€407k▼
Equity10/15€377k€292k▼
Contributions10/11€19k€19k=
Reserves13€297k€271k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€295k€269k▼
Profit (loss) carried forward14€61k€3k▼
Amounts payable17/49€82k€115k▲
Amounts payable within one year42/48€82k€115k▲
Financial debts43€8k€7k▼
Credit institutions430/8€8k€7k▼
Trade debts44€13k€20k▲
Suppliers440/4€13k€20k▲
Taxes, remuneration and social security45€44k€40k▼
Taxes450/3€44k€37k▼
Remuneration and social security454/9-€3k
Other amounts payable47/48€18k€48k▲
Income statement
Code20232024
Turnover70€214k€182k▼
Goods, raw materials, services and sundry goods60/61€64k€56k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€2k▲
Other operating charges640/8€361€592▲
Gross operating margin9900€150k€126k▼
Operating profit (loss)9901€149k€123k▼
Financial income75/76B€611€3k▲
Recurring financial income75€611€3k▲
Financial charges65/66B€385€362▼
Recurring financial charges65€385€362▼
Profit (loss) for the period before taxes9903€149k€126k▼
Income taxes67/77€48k€41k▼
Profit (loss) for the period9904€101k€85k▼
Profit (loss) for the period to be appropriated9905€101k€85k▼
Appropriation of the result
Profit (loss) to be appropriated9906€161k€147k▼
Profit (loss) brought forward from the previous period14P€61k€61k▲
Transfer to equity691/2€100k€84k▼
To other reserves6921€100k€84k▼
Profit to be distributed694/7-€60k
Return on contributions (dividend)694-€60k
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 61 days late
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 61 days late
2023
31-12
Financial
Highest result since 2018net €101k ▲162%
Operating result €149k, net result €101k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 5.55
Current ratio from 2.46 to 5.55; short-term debt falls from €188k to €82k.
09-10
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 70 days late
2022
19-10
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 80 days late
2021
02-11
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 94 days late
2020
31-12
Financial
Back to profitnet €13k
Net result €13k after one loss-making year.
31-12
Financial
Equity above €200kEq €202k ▲6.8%
Equity rises from €190k to €202k.
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 91 days late
2019
31-12
Financial
Weakest financial yearnet €-5k ▼127%
Net result drops to €-5k, the lowest in the series; recovery starts the following year.
07-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 68 days late
2018
15-11
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 107 days late
2017
27-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 58 days late
2016
30-09
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 61 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, Schilde · 1 establishment unit since 2006
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.
Prins Boudewijnlaan 12970 SchildeGround area
1,461 m²
Building footprint
255 m²
Volume, LiDAR
1,402 m³
2 parcels, Flanders · tallest building 9.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Finpartner
since 20062.152.596.482
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11039D0396/00D004 | Flanders | 811 m² | 1 · 141 m² | 7.7 m · 2 fl. |
| 11041B0330/00D006 | Flanders | 651 m² | 1 · 114 m² | 9.8 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
699400MFLQ7TXDZHP296
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Of 24,726 companies in sector 64210 we hold annual accounts for 19,747. 13,741 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-03-2006
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
74151
74855
82100Office administrative and support services
82110Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 19 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.