Fintradvies
ActiveFintradvies 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 €312k and a net result of €164k. Equity is growing by ~8.7% per year across the filed fiscal years. Its solvency ranks better than 60% of 1457 sector peers (fiscal year 2025). The company has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. 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 15-07-2026, 16 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
16 d early
2024
17 d early
2023
12 d early
2022
33 d early
2021
5 d early
2020
1 d early
2019
35 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€312k▲ 4.8%
2024 · €298k
2018: €170k
2019: €181k
2020: €212k
2021: €233k
2022: €252k
2023: €286k
2024: €298k
2018 → 2025
Net result
€164k▲ 1.4%
2024 · €162k
2018: €66k
2019: €146k
2020: €221k
2021: €261k
2022: €244k
2023: €204k
2024: €162k
2018 → 2025
Total assets
€632k▼ 6.9%
2024 · €678k
2018: €553k
2019: €606k
2020: €735k
2021: €758k
2022: €822k
2023: €755k
2024: €678k
2018 → 2025
Solvency
49.3%▲ 5.5pp
2024 · 43.9%
2018: 30.8%
2019: 29.9%
2020: 28.8%
2021: 30.8%
2022: 30.7%
2023: 37.9%
2024: 43.9%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€1.15M
Equity€233k-€252k▲ 8.1%€286k▲ 13.3%€298k▲ 4.2%€312k▲ 4.8%
Operating result€292k-€280k▼ 4.2%€230k▼ 17.7%€175k▼ 23.7%€175k=
Net result€261k-€244k▼ 6.6%€204k▼ 16.5%€162k▼ 20.5%€164k▲ 1.4%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen four years in a row; 2025 is 0% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €632k
Fixed assets
€175k▼ 15.7%
Current assets
€457k▼ 3.0%
Equity and liabilities €632k
Equity
€312k▲ 4.8%
Debt
€320k▼ 16.0%
The debt ratio falls from 56.1% to 50.7%: equity grows while debt is paid down.
Key figures and ratios
Solvency
49.3%▲
2024 · 43.9%
ROE
52.7%▼
2024 · 54.4%
ROA
26.0%▲
2024 · 23.9%
Debt
€320k▼
2024 · €381k
Debt ≤ 1 year
€231k▼
2024 · €247k
Debt > 1 year
€89k▼
2024 · €134k
Income taxes
€8k▼
2024 · €9k
Staff costs
€188k▼
2024 · €205k
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€678k€632k▼
Fixed assets21/28€207k€175k▼
Intangible fixed assets21€90k€75k▼
Tangible fixed assets22/27€116k€98k▼
Land and buildings22€96k€80k▼
Plant, machinery and equipment23€5k€4k▼
Furniture and vehicles24€15k€14k▼
Financial fixed assets28€1k€1k=
Current assets29/58€471k€457k▼
Amounts receivable within one year40/41€72k€20k▼
Trade receivables40€63k€11k▼
Other amounts receivable41€9k€10k▲
Cash at bank and in hand54/58€374k€348k▼
Deferred charges and accrued income490/1€25k€89k▲
Equity and liabilities
Total equity and liabilities10/49€678k€632k▼
Equity10/15€298k€312k▲
Contributions10/11€45k€45k=
Reserves13€253k€267k▲
Distributable reserves133€253k€267k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€381k€320k▼
Amounts payable after more than one year17€134k€89k▼
Financial debts170/4€134k€89k▼
Amounts payable within one year42/48€247k€231k▼
Current portion of amounts payable after more than one year42€53k€45k▼
Financial debts43€11k€11k▲
Credit institutions430/8€166€166=
Other loans439€11k€11k▲
Trade debts44€10k€14k▲
Suppliers440/4€10k€14k▲
Taxes, remuneration and social security45€23k€12k▼
Taxes450/3€0-
Remuneration and social security454/9€23k€12k▼
Other amounts payable47/48€150k€150k=
Income statement
Code20242025
Remuneration, social security and pensions62€205k€188k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€42k€43k▲
Other operating charges640/8€5k€3k▼
Gross operating margin9900€427k€409k▼
Operating profit (loss)9901€175k€175k=
Financial income75/76B€1k€2k▲
Recurring financial income75€1k€2k▲
Financial charges65/66B€6k€5k▼
Recurring financial charges65€6k€5k▼
Profit (loss) for the period before taxes9903€170k€172k▲
Income taxes67/77€9k€8k▼
Profit (loss) for the period9904€162k€164k▲
Profit (loss) for the period to be appropriated9905€162k€164k▲
Appropriation of the result
Profit (loss) to be appropriated9906€162k€164k▲
Transfer to equity691/2€12k€14k▲
To other reserves6921€12k€14k▲
Profit to be distributed694/7€150k€150k=
Return on contributions (dividend)694€0-
Directors or managers695€150k€150k=
Social balance
Average headcount (FTE)90872.72.4▼
The notes to these accounts (22 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
07-08
State Gazette act
Capital & shares · RestructuringGeneral meeting · Demerger · Share issue14 facts ▸
State Gazette act
Capital & shares · Restructuring
General meeting · Demerger · Share issue14 facts ▸
- General meeting, 07/07/2026
- General meeting, 07/07/2026
- Demerger, Met splitsing gelijkgestelde verrichting
- Share issue, Nieuwe aandelen uitgegeven aan aandeelhouders van de te splitsen vennootschap
- Share transfer, RAED → JDM MANAGEMENT
- Share transfer, RAED → ROYING MANAGEMENT
- Share transfer, RAED → LORHU MANAGEMENT
- Share transfer, RAED → FS&B MANAGEMENT
- Share transfer, RAED → VALORUM MANAGEMENT
- Share transfer, RAED → JMB CONSULTING
- Accounting effect, 01/01/2026
- Net-asset statement, 31/12/2025
- +2 further facts in this act
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
20-03
State Gazette act
RestructuringDemerger · Accounting effect · Corporate purpose11 facts ▸
State Gazette act
Restructuring
Demerger · Accounting effect · Corporate purpose11 facts ▸
- Demerger, partiële splitsing door overneming
- Accounting effect, 01/01/2026
- Corporate purpose, activiteit van agent in bank- en beleggingsdiensten ... activiteit van verzekeringstussenpersoon ...
- Corporate purpose, alle mogelijke makelaarsverrichtingen uit te voeren ... consultancy ...
- Capital, €45.000
- Capital, €5.480
- Share issue, 548, partiële splitsing door overneming
- Asset transfer, roerende goederen/verzekeringsportefeuille
- Liability transfer, 0, investment credit fully repaid on 01/11/2025
- Capital adjustment
- Capital adjustment
2025
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
19-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
28-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
26-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Highest result since 2018net €261k ▲18.2%
Operating result €292k, net result €261k, both a record.
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Equity above €200kEq €212k ▲17.2%
3 profitable years in a row build equity to €212k.
26-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
29-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
26-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
25-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2020
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
28-07-2020
FS&B Management: Resigned as Director
28-07-2020
Roying Management: Resigned as Director
28-07-2020
Valorum Management: Resigned as Director
Location & real-estate footprint
Registered office, Hasselt · 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.
Kerkhofstraat 643500 HasseltGround area
1,892 m²
Building footprint
889 m²
Volume, LiDAR
8,991 m³
Parcel 71324E0119/00K002, Flanders · tallest building 13.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Fintradvies
since 20112.196.291.816
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71324E0119/00K002 | Flanders | 1,892 m² | 1 · 889 m² | 13.7 m · 3 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
Acquisitions and mergers
2 transactionsContributed a business line to:RAED
Contributed a business line to:RAED BV
Capital and shareholders
Transfer of 137 shares from RAED to JDM MANAGEMENT
Transfer of 137 shares from RAED to ROYING MANAGEMENT
Transfer of 82 shares from RAED to LORHU MANAGEMENT
Transfer of 82 shares from RAED to FS&B MANAGEMENT
Transfer of 55 shares from RAED to VALORUM MANAGEMENT
Transfer of 55 shares from RAED to JMB CONSULTING
Public money · subsidies and aid
Flemish government
2022 to 2025 · 2 entries · 6,195 EUR awarded · 6,195 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 3,645 EUR | 3,645 EUR |
| 2022 | 1 | 2,550 EUR | 2,550 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 1,678 companies in sector 66191 we hold annual accounts for 1,227. 1,062 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-01-2011
Fiscal year end31-12
Activities, NACEBEL
66191Agents and brokers in banking services
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:info@fintradvies.be
Phone:011/26.13.16