FIRST POINT
ActiveFIRST POINT 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 €244k and a net result of €13k. Equity is growing by ~4.9% per year across the filed fiscal years. Its solvency ranks better than 90% of 7962 sector peers (fiscal year 2025). The company has been active since 1990 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 30-09-2025 was due by 30-04-2026 and was filed on 27-04-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
33 d early
2023
54 d early
2022
2 d early
2021
2 d early
2020
1 d early
2019
34 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
13-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€244k▲ 5.6%
2024 · €231k
2018: €289k
2019: €171k
2020: €186k
2021: €205k
2022: €202k
2023: €210k
2024: €231k
2018 → 2025
Net result
€13k▼ 39.3%
2024 · €21k
2018: €20k
2019: €19k
2020: €17k
2021: €21k
2022: €-3k
2023: €8k
2024: €21k
2018 → 2025
Total assets
€266k▲ 1.1%
2024 · €263k
2018: €317k
2019: €272k
2020: €329k
2021: €328k
2022: €281k
2023: €266k
2024: €263k
2018 → 2025
Solvency
91.7%▲ 3.9pp
2024 · 87.9%
2018: 91.1%
2019: 62.9%
2020: 56.5%
2021: 62.5%
2022: 72.0%
2023: 79.0%
2024: 87.9%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€205k-€202k▼ 1.4%€210k▲ 3.8%€231k▲ 10.1%€244k▲ 5.6%
Operating result€31k-€-994€13k€33k▲ 152%€21k▼ 36.0%
Net result€21k-€-3k€8k€21k▲ 172%€13k▼ 39.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 36% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €266k
Fixed assets
€172k▼ 13.8%
Current assets
€94k▲ 48.5%
Equity and liabilities €266k
Equity
€244k▲ 5.6%
Debt
€22k▼ 31.0%
The debt ratio falls from 12.1% to 8.3%: equity grows while debt is paid down.
Key figures and ratios
Solvency
91.7%▲
2024 · 87.9%
ROE
5.3%▼
2024 · 9.2%
ROA
4.8%▼
2024 · 8.0%
Debt
€22k▼
2024 · €32k
Debt ≤ 1 year
€22k▼
2024 · €32k
Income taxes
€8k▼
2024 · €11k
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€263k€266k▲
Fixed assets21/28€200k€172k▼
Tangible fixed assets22/27€200k€172k▼
Land and buildings22€191k€172k▼
Furniture and vehicles24€9k€0▼
Current assets29/58€63k€94k▲
Amounts receivable within one year40/41€33k€27k▼
Trade receivables40€32k€23k▼
Other amounts receivable41€2k€3k▲
Cash at bank and in hand54/58€26k€65k▲
Deferred charges and accrued income490/1€4k€2k▼
Equity and liabilities
Total equity and liabilities10/49€263k€266k▲
Equity10/15€231k€244k▲
Contributions10/11€19k€19k=
Reserves13€212k€225k▲
Tax-exempt reserves132€35k€35k=
Distributable reserves133€178k€191k▲
Amounts payable17/49€32k€22k▼
Amounts payable within one year42/48€32k€22k▼
Current portion of amounts payable after more than one year42€10k€0▼
Financial debts43€3k€3k▼
Credit institutions430/8€3k€3k▼
Trade debts44€4k€5k▲
Suppliers440/4€4k€5k▲
Taxes, remuneration and social security45€3k€2k▼
Taxes450/3€3k€2k▼
Other amounts payable47/48€12k€12k▼
Accrued charges and deferred income492/3-€400
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k€28k▼
Other operating charges640/8€4k€4k▼
Gross operating margin9900€65k€53k▼
Operating profit (loss)9901€33k€21k▼
Financial income75/76B€0€5▲
Recurring financial income75€0€5▲
Financial charges65/66B€652€628▼
Recurring financial charges65€652€628▼
Profit (loss) for the period before taxes9903€32k€21k▼
Income taxes67/77€11k€8k▼
Profit (loss) for the period9904€21k€13k▼
Profit (loss) for the period to be appropriated9905€21k€13k▼
Appropriation of the result
Profit (loss) to be appropriated9906€21k€13k▼
Transfer to equity691/2€21k€13k▼
To other reserves6921€21k€13k▼
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
Next filing, fiscal year 2026, expected by
2026
27-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Liquidity doublescurrent ratio 4.33
Current ratio from 1.98 to 4.33; short-term debt falls from €32k to €22k.
28-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Highest result since 2018net €21k ▲172%
Net result €21k, the highest in the series.
30-09
Financial
Liquidity doublescurrent ratio 1.98
Current ratio from 0.83 to 1.98; short-term debt falls from €46k to €32k.
07-03
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
28-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-09
Financial
Weakest financial yearnet €-3k ▼114%
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
28-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Equity above €200kEq €205k ▲10.3%
4 profitable years in a row build equity to €205k.
29-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
27-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
26-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Aalter · 1 establishment unit since 1993
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.
Eksterstraat 229881 AalterGround area
1,561 m²
Building footprint
144 m²
Volume, LiDAR
756 m³
Parcel 44009B0222/00B000, Flanders · tallest building 7.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Eksterstraat 22, 9881 Aalter
since 19932.049.862.693
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44009B0222/00B000 | Flanders | 1,561 m² | 1 · 144 m² | 7.2 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 24,640 companies in sector 64210 we hold annual accounts for 19,693. 13,566 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-09-1990
Fiscal year end30-09
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
74142
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 35 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:first.point@telenet.be