Summary
Five Aces 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 €2.19M and a net result of €105k. Equity is growing by ~5.2% per year across the filed fiscal years. Its solvency ranks better than 58% of 5527 sector peers (fiscal year 2025). The company has been active since 2012 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 11-05-2026, 81 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
81 d early
2024
6 d early
2023
33 d early
2022
20 d early
2021
23 d early
2020
24 d early
2019
19 d late
← 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, abbreviated schema
Equity
€2.19M▲ 5.0%
2024 · €2.08M
2018: €1.45M
2019: €1.57M
2020: €1.73M
2021: €2.00M
2022: €2.01M
2023: €2.02M
2024: €2.08M
2018 → 2025
Net result
€105k▲ 71.7%
2024 · €61k
2018: €51k
2019: €119k
2020: €159k
2021: €267k
2022: €14k
2023: €10k
2024: €61k
2018 → 2025
Total assets
€3.62M▲ 0.3%
2024 · €3.61M
2018: €3.67M
2019: €3.80M
2020: €3.67M
2021: €3.70M
2022: €3.63M
2023: €3.61M
2024: €3.61M
2018 → 2025
Solvency
60.4%▲ 2.7pp
2024 · 57.6%
2018: 39.5%
2019: 41.3%
2020: 47.1%
2021: 53.9%
2022: 55.4%
2023: 55.9%
2024: 57.6%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2.00M-€2.01M▲ 0.7%€2.02M▲ 0.5%€2.08M▲ 3.0%€2.19M▲ 5.0%
Operating result€184k-€61k▼ 66.6%€56k▼ 9.2%€115k▲ 107%€170k▲ 47.7%
Net result€267k-€14k▼ 94.8%€10k▼ 26.0%€61k▲ 495%€105k▲ 71.7%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 48% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.62M
Fixed assets
€3.60M =
Current assets
€22k ▲ 107%
Equity and liabilities €3.62M
Equity
€2.19M ▲ 5.0%
Debt
€1.44M ▼ 6.1%
Debt's share of the balance-sheet total falls from 42.4% to 39.6%. Equity is higher and debt is lower.
Key figures and ratios
ROE
4.8%▲
2024 · 2.9%
ROA
2.9%▲
2024 · 1.7%
Debt ≤ 1 year
€961k▲
2024 · €863k
Debt > 1 year
€445k▼
2024 · €635k
Income taxes
€35k▲
2024 · €20k
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 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€3.61M€3.62M▲
Fixed assets21/28€3.60M€3.60M=
Financial fixed assets28€3.60M€3.60M=
Current assets29/58€11k€22k▲
Amounts receivable within one year40/41€2k€0▼
Other amounts receivable41€2k€0▼
Cash at bank and in hand54/58€9k€22k▲
Equity and liabilities
Total equity and liabilities10/49€3.61M€3.62M▲
Equity10/15€2.08M€2.19M▲
Contributions10/11€450k€450k=
Reserves13€1.63M€1.74M▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€1.63M€1.74M▲
Profit (loss) carried forward14€226€188▼
Amounts payable17/49€1.53M€1.44M▼
Amounts payable after more than one year17€635k€445k▼
Financial debts170/4€0-
Other amounts payable178/9€635k€445k▼
Amounts payable within one year42/48€863k€961k▲
Current portion of amounts payable after more than one year42€38k€124k▲
Trade debts44€4k€907▼
Suppliers440/4€4k€907▼
Taxes, remuneration and social security45€2k€6k▲
Taxes450/3€2k€6k▲
Other amounts payable47/48€819k€830k▲
Accrued charges and deferred income492/3€32k€30k▼
Income statement
Code20242025
Other operating charges640/8€1k€1k▲
Gross operating margin9900€117k€172k▲
Operating profit (loss)9901€115k€170k▲
Financial income75/76B€0€0▼
Recurring financial income75€0€0▼
Financial charges65/66B€34k€30k▼
Recurring financial charges65€34k€30k▼
Profit (loss) for the period before taxes9903€82k€140k▲
Income taxes67/77€20k€35k▲
Profit (loss) for the period9904€61k€105k▲
Profit (loss) for the period to be appropriated9905€61k€105k▲
Appropriation of the result
Profit (loss) to be appropriated9906€61k€105k▲
Profit (loss) brought forward from the previous period14P-€226
Transfer to equity691/2€61k€105k▲
To other reserves6921€61k€105k▲
The notes to these accounts (8 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
11-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €10k ▼26%
Net result drops to €10k, the lowest in the series; recovery starts the following year.
11-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Equity above €2MEq €2.01M ▲0.7%
5 profitable years in a row build equity to €2.01M.
08-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Highest result since 2018net €267k ▲67.9%
Net result €267k, the highest in the series.
07-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
19-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 19 days late
2019
21-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 21 days late
2018
26-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-07
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
9 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, Hamme (Vl.) · 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.
Zwaarveld 349220 Hamme (Vl.)Ground area
3,749 m²
Building footprint
1,939 m²
Volume, LiDAR
17,588 m³
Parcel 42452C0174/00V000, Flanders · tallest building 10.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Five Acces
since 20112.205.964.793
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42452C0174/00V000 | Flanders | 3,749 m² | 1 · 1,939 m² | 10.8 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.
Similar companies · same sector, comparable size
HOLDING SOLTAN
BE 0832.708.871
Wemmel · Eq €2,186,180
ALLE DAGEN HOPEN
BE 0657.864.292
Antwerpen · Eq €2,186,792
VRANCKEN BEDRIJFSBEHEER
BE 0859.663.884
Schilde · Eq €2,185,531
COMONT
BE 0716.961.246
Lasne · Eq €2,185,478
ZELUS MANAGEMENT & CONSULTING
BE 0809.186.767
Lint · Eq €2,184,096
Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 10,652 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
Founded09-01-2012
Fiscal year end31-12
Abbreviation NL
5A
Activities, NACEBEL 2025
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.