FRANK ROETS
ActiveFRANK ROETS 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 €3k and a net result of €-179k. Equity remains stable across the filed fiscal years (±0.3% per year). Its solvency ranks better than 7% of 1457 sector peers (fiscal year 2025). The company has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals.
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 7% of 1457 sector peers (2025).
NBB · sector comparisonPosition among 1457 sector peers
Solvency
better than 7%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
25 d late
2023
1 d early
2022
30 d late
2021
61 d late
2020
73 d late
2019
11 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€3k▼ 98.5%
2024 · €181k
2018: €133k
2019: €135k
2020: €134k
2021: €114k
2022: €120k
2023: €164k
2024: €181k
2018 → 2025
Net result
€-179k
2024 · €17k
2018: €-42k
2019: €3k
2020: €-1k
2021: €-20k
2022: €36k
2023: €73k
2024: €17k
2018 → 2025
Total assets
€2.07M▲ 14.4%
2024 · €1.81M
2018: €805k
2019: €1.61M
2020: €1.47M
2021: €1.42M
2022: €1.36M
2023: €1.28M
2024: €1.81M
2018 → 2025
Solvency
0.1%▼ 9.9pp
2024 · 10.0%
2018: 16.5%
2019: 8.4%
2020: 9.1%
2021: 8.0%
2022: 8.9%
2023: 12.8%
2024: 10.0%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€114k-€120k▲ 5.2%€164k▲ 36.2%€181k▲ 10.6%€3k▼ 98.5%
Operating result€6k-€65k▲ 967%€130k▲ 101%€68k▼ 47.8%€-139k
Net result€-20k-€36k€73k▲ 104%€17k▼ 76.2%€-179k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €139k after €68k in 2024, the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.07M
Fixed assets
€2.01M▲ 49.6%
Current assets
€63k▼ 86.5%
Equity and liabilities €2.07M
Equity
€3k▼ 98.5%
Debt
€2.07M▲ 27.0%
The debt ratio rises from 90.0% to 99.9%: debt grows while equity shrinks.
Key figures and ratios
Solvency
0.1%▼
2024 · 10.0%
ROA
-8.6%▼
2024 · 1.0%
Debt
€2.07M▲
2024 · €1.63M
Debt ≤ 1 year
€775k▲
2024 · €493k
Debt > 1 year
€1.27M▲
2024 · €1.12M
Income taxes
€1k▼
2024 · €25k
Staff costs
€554k▲
2024 · €382k
A ratio outside any meaningful range has been withheld (balance sheet total €2.07M, equity €3k).
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€1.81M€2.07M▲
Fixed assets21/28€1.34M€2.01M▲
Intangible fixed assets21€1.15M€882k▼
Tangible fixed assets22/27€180k€1.12M▲
Land and buildings22€52k€973k▲
Plant, machinery and equipment23€4k€5k▲
Furniture and vehicles24€124k€138k▲
Financial fixed assets28€9k€9k=
Current assets29/58€469k€63k▼
Amounts receivable within one year40/41€96k€45k▼
Trade receivables40€73k€45k▼
Other amounts receivable41€23k€217▼
Cash at bank and in hand54/58€356k€12k▼
Deferred charges and accrued income490/1€17k€5k▼
Equity and liabilities
Total equity and liabilities10/49€1.81M€2.07M▲
Equity10/15€181k€3k▼
Contributions10/11€183k€183k=
Reserves13€7k€7k=
Distributable reserves133€7k€7k=
Profit (loss) carried forward14€-9k€-187k▼
Amounts payable17/49€1.63M€2.07M▲
Amounts payable after more than one year17€1.12M€1.27M▲
Financial debts170/4€1.12M€1.27M▲
Amounts payable within one year42/48€493k€775k▲
Current portion of amounts payable after more than one year42€265k€282k▲
Financial debts43€52k€89k▲
Credit institutions430/8€52k€89k▲
Trade debts44€70k€85k▲
Suppliers440/4€70k€85k▲
Taxes, remuneration and social security45€52k€72k▲
Taxes450/3€8k€11k▲
Remuneration and social security454/9€44k€61k▲
Other amounts payable47/48€54k€246k▲
Accrued charges and deferred income492/3€14k€19k▲
Income statement
Code20242025
Non-recurring operating income76A€2k€0▼
Remuneration, social security and pensions62€382k€554k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€197k€343k▲
Other operating charges640/8€6k€6k▲
Non-recurring operating charges66A€567€629▲
Gross operating margin9900€654k€764k▲
Operating profit (loss)9901€68k€-139k▼
Financial income75/76B€760€4k▲
Recurring financial income75€760€4k▲
Financial charges65/66B€26k€42k▲
Recurring financial charges65€26k€42k▲
Profit (loss) for the period before taxes9903€43k€-177k▼
Income taxes67/77€25k€1k▼
Profit (loss) for the period9904€17k€-179k▼
Profit (loss) for the period to be appropriated9905€17k€-179k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-9k€-187k▼
Profit (loss) brought forward from the previous period14P€-26k€-9k▲
Transfer from equity791/2€0-
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
Social balance
Average headcount (FTE)90875.98.5▲
The notes to these accounts (24 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €-179k ▼1126%
Net result drops to €-179k, the lowest in the series.
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 25 days late
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2018net €73k ▲104%
Operating result €130k, net result €73k, both a record.
31-12
Financial
Equity above €150kEq €164k ▲36.2%
2 profitable years in a row build equity to €164k.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 30 days late
2022
31-12
Financial
Back to profitnet €36k
Net result €36k after 2 loss-making years.
30-09
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 61 days late
2021
12-10
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 73 days late
2020
20-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
23-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
16-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 16 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2025
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.
03-10-2025
ADVIFIN BV: Resigned as Director
25-02-2025
FRANK ROETS BV: Appointed as Permanent representative
29-10-2024
ADVIFIN BV: Appointed as Director
Location & real-estate footprint
Registered office, Genk · 1 establishment unit since 2000
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.
Dieplaan 13600 GenkGround area
1,427 m²
Building footprint
877 m²
Volume, LiDAR
17,133 m³
Parcel 71016I0771/00A000, Flanders · tallest building 30.6 m, ±8 floors. Linked by address, not a title deed.
1 establishment unit
Dieplaan 1, 3600 Genk
since 20002.099.892.028
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71016I0771/00A000 | Flanders | 1,427 m² | 1 · 877 m² | 30.6 m · 8 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.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 750 EUR awarded · 750 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 750 EUR | 750 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 1,681 companies in sector 66191 we hold annual accounts for 1,230. 135 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-10-2000
Fiscal year end31-12
Activities, NACEBEL
66191Agents and brokers in banking services
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:frank.roets@crelan.be