FOKUS 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 €24k and a net result of €41k. Equity is growing by ~7.4% per year across the filed fiscal years. Its solvency ranks better than 11% of 7980 sector peers (fiscal year 2025). The company has been active since 2019 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
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 11% of 7980 sector peers (2025).
NBB · sector comparisonPosition among 7980 sector peers
Solvency
better than 11%
← weakest
strongest →
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 09-07-2026, 22 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
22 d early
2024
14 d early
2023
26 d early
2022
16 d late
2021
11 d early
2020
31 d late
← 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€24k▼ 7.0%
2024 · €26k
2020: €17k
2021: €20k
2022: €24k
2023: €24k
2024: €26k
2020 → 2025
Net result
€41k▼ 9.1%
2024 · €45k
2020: €-2k
2021: €5k
2022: €5k
2023: €32k
2024: €45k
2020 → 2025
Total assets
€589k▼ 8.3%
2024 · €642k
2020: €234k
2021: €592k
2022: €659k
2023: €665k
2024: €642k
2020 → 2025
Solvency
4.1%▲ 0.1pp
2024 · 4.1%
2020: 7.2%
2021: 3.3%
2022: 3.7%
2023: 3.7%
2024: 4.1%
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€20k-€24k▲ 22.8%€24k▲ 0.1%€26k▲ 7.4%€24k▼ 7.0%
Operating result€17k-€18k▲ 5.3%€53k▲ 196%€69k▲ 30.5%€64k▼ 7.2%
Net result€5k-€5k▲ 0.3%€32k▲ 609%€45k▲ 39.8%€41k▼ 9.1%
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 7% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €589k
Fixed assets
€520k▼ 2.9%
Current assets
€69k▼ 35.3%
Equity and liabilities €589k
Equity
€24k▼ 7.0%
Debt
€564k▼ 8.3%
The debt ratio falls from 95.9% to 95.9%. Equity and debt are lower.
Key figures and ratios
Solvency
4.1%▲
2024 · 4.1%
ROE
167.4%▼
2024 · 171.2%
ROA
6.9%▼
2024 · 7.0%
Debt
€564k▼
2024 · €615k
Debt ≤ 1 year
€80k▼
2024 · €98k
Debt > 1 year
€483k▼
2024 · €517k
Income taxes
€12k▼
2024 · €13k
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€642k€589k▼
Fixed assets21/28€535k€520k▼
Tangible fixed assets22/27€535k€520k▼
Land and buildings22€530k€505k▼
Plant, machinery and equipment23€3k€3k▲
Furniture and vehicles24€2k€12k▲
Current assets29/58€107k€69k▼
Amounts receivable within one year40/41€5k€1k▼
Other amounts receivable41€5k€1k▼
Cash at bank and in hand54/58€99k€62k▼
Deferred charges and accrued income490/1€3k€6k▲
Equity and liabilities
Total equity and liabilities10/49€642k€589k▼
Equity10/15€26k€24k▼
Contributions10/11€19k€19k=
Reserves13€8k€6k▼
Distributable reserves133€8k€6k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€615k€564k▼
Amounts payable after more than one year17€517k€483k▼
Financial debts170/4€517k€483k▼
Amounts payable within one year42/48€98k€80k▼
Current portion of amounts payable after more than one year42€34k€34k▲
Trade debts44€5k€3k▼
Suppliers440/4€5k€3k▼
Taxes, remuneration and social security45€16k€17k▲
Taxes450/3€16k€17k▲
Other amounts payable47/48€44k€26k▼
Accrued charges and deferred income492/3-€1k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€36k€38k▲
Other operating charges640/8€551€853▲
Gross operating margin9900€106k€104k▼
Operating profit (loss)9901€69k€64k▼
Financial income75/76B€484€1▼
Recurring financial income75€484€1▼
Financial charges65/66B€12k€12k▼
Recurring financial charges65€12k€12k▼
Profit (loss) for the period before taxes9903€58k€52k▼
Income taxes67/77€13k€12k▼
Profit (loss) for the period9904€45k€41k▼
Profit (loss) for the period to be appropriated9905€45k€41k▼
Appropriation of the result
Profit (loss) to be appropriated9906€45k€41k▼
Transfer from equity791/2-€8k
Transfer to equity691/2€2k€6k▲
To other reserves6921€2k€6k▲
Profit to be distributed694/7€43k€43k▼
Return on contributions (dividend)694€43k€43k▼
The notes to these accounts (9 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
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2020net €45k ▲39.8%
Operating result €69k, net result €45k, both a record.
05-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
16-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 16 days late
2022
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Zonhoven · 1 establishment unit since 2019
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.
Berkenenstraat 483520 ZonhovenGround area
850 m²
Building footprint
169 m²
Volume, LiDAR
436 m³
Parcel 71442C0212/00M000, Flanders · tallest building 14.8 m. Linked by address, not a title deed.
1 establishment unit
FOKUS
since 20192.295.091.759
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71442C0212/00M000 | Flanders | 850 m² | 1 · 169 m² | 14.8 m |
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
KIRS
BE 0641.790.107
Liège · Eq €24k
ViVaC
BE 0777.830.528
Hamme (Vl.) · Eq €24k
BurAubel
BE 0833.738.952
Aubel · Eq €24k
Schilde Beheer
BE 0758.555.242
Schilde · Eq €24k
TLV Invest
BE 0727.539.986
Sint-Lambrechts-Woluwe · Eq €24k
Of 24,726 companies in sector 64210 we hold annual accounts for 19,747. 8,092 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-10-2019
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.