FOLLAW 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 €991k and a net result of €6k. Equity is growing by ~30.2% per year across the filed fiscal years. Its solvency ranks better than 34% of 8013 sector peers (fiscal year 2025). The company has been active since 2013 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
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 30-06-2025 was due by 31-01-2026 and was filed on 21-01-2026, 10 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
10 d early
2024
1 d early
2023
6 d early
2022
1 d early
2020
32 d early
2019
17 d early
2018
6 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close20-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€991k▲ 0.6%
2024 · €985k
2018: €167k
2019: €221k
2020: €266k
2022: €491k
2023: €625k
2024: €985k
2018 → 2025
Net result
€6k▼ 98.3%
2024 · €361k
2018: €41k
2019: €55k
2020: €44k
2022: €213k
2023: €133k
2024: €361k
2018 → 2025
Total assets
€3.18M▼ 7.9%
2024 · €3.45M
2018: €547k
2019: €649k
2020: €617k
2022: €2.63M
2023: €2.42M
2024: €3.45M
2018 → 2025
Solvency
31.2%▲ 2.6pp
2024 · 28.5%
2018: 30.5%
2019: 34.1%
2020: 43.1%
2022: 18.7%
2023: 25.8%
2024: 28.5%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202022202320242025Trend
Equity€266k-€491k▲ 84.8%€625k▲ 27.2%€985k▲ 57.7%€991k▲ 0.6%
Operating result€13k-€283k▲ 2,073%€216k▼ 23.5%€543k▲ 151%€254k▼ 53.1%
Net result€44k-€213k▲ 380%€133k▼ 37.3%€361k▲ 170%€6k▼ 98.3%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 53% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.18M
Fixed assets
€2.74M▼ 12.5%
Current assets
€438k▲ 38.7%
Equity and liabilities €3.18M
Equity
€991k▲ 0.6%
Debt
€2.19M▼ 11.2%
The debt ratio falls from 71.5% to 68.8%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
31.2%▲
2024 · 28.5%
ROE
0.6%▼
2024 · 36.6%
ROA
0.2%▼
2024 · 10.4%
Debt
€2.19M▼
2024 · €2.47M
Debt ≤ 1 year
€1.75M▼
2024 · €1.87M
Debt > 1 year
€440k▼
2024 · €591k
Income taxes
€157k▲
2024 · €122k
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€3.45M€3.18M▼
Fixed assets21/28€3.13M€2.74M▼
Tangible fixed assets22/27€89k€641k▲
Land and buildings22-€563k
Plant, machinery and equipment23€1k€9k▲
Furniture and vehicles24€69k€53k▼
Other tangible fixed assets26€19k€16k▼
Financial fixed assets28€3.05M€2.10M▼
Current assets29/58€316k€438k▲
Stocks and contracts in progress3€11k€1k▼
Stocks30/36€11k€1k▼
Amounts receivable within one year40/41€223k€232k▲
Trade receivables40€50k€44k▼
Other amounts receivable41€173k€188k▲
Cash at bank and in hand54/58€80k€204k▲
Deferred charges and accrued income490/1€1k€764▼
Equity and liabilities
Total equity and liabilities10/49€3.45M€3.18M▼
Equity10/15€985k€991k▲
Contributions10/11€19k€19k=
Reserves13€966k€973k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€966k€973k▲
Amounts payable17/49€2.47M€2.19M▼
Amounts payable after more than one year17€591k€440k▼
Financial debts170/4€591k€440k▼
Amounts payable within one year42/48€1.87M€1.75M▼
Current portion of amounts payable after more than one year42€155k€151k▼
Financial debts43€980k€980k=
Credit institutions430/8€980k€980k=
Trade debts44€17k€3k▼
Suppliers440/4€17k€3k▼
Advances received on contracts in progress46€0-
Taxes, remuneration and social security45€36k€55k▲
Taxes450/3€34k€53k▲
Remuneration and social security454/9€2k€2k=
Other amounts payable47/48€687k€559k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€24k€27k▲
Other operating charges640/8€1k€466k▲
Gross operating margin9900€568k€747k▲
Operating profit (loss)9901€543k€254k▼
Financial income75/76B€4€1▼
Recurring financial income75€4€1▼
Financial charges65/66B€60k€91k▲
Recurring financial charges65€60k€91k▲
Profit (loss) for the period before taxes9903€483k€163k▼
Income taxes67/77€122k€157k▲
Profit (loss) for the period9904€361k€6k▼
Profit (loss) for the period to be appropriated9905€361k€6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€361k€6k▼
Transfer to equity691/2€361k€6k▼
To other reserves6921€361k€6k▼
The notes to these accounts (12 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
21-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Weakest financial yearnet €6k ▼98.3%
Net result drops to €6k, the lowest in the series.
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Highest result since 2018net €361k ▲170%
Operating result €543k, net result €361k, both a record.
25-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Equity above €500kEq €625k ▲27.2%
5 profitable years in a row build equity to €625k.
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2021
29-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
14-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Equity above €200kEq €221k ▲32.6%
2 profitable years in a row build equity to €221k.
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
20-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
20-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
16-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Grobbendonk · 1 establishment unit since 2013
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.
Herentalse steenweg 1022280 GrobbendonkGround area
1,940 m²
Building footprint
256 m²
Volume, LiDAR
1,524 m³
Parcel 13010E0186/00G002, Flanders · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Follaw
since 20132.225.702.513
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13010E0186/00G002 | Flanders | 1,940 m² | 1 · 256 m² | 8.8 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 24,728 companies in sector 64210 we hold annual accounts for 19,760. 12,681 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-11-2013
Fiscal year end30-06
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.