FRONT PARTNERS 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 €4.00M and a net result of €122k. Equity is shrinking by ~7.9% per year across the filed fiscal years. Its solvency ranks better than 84% of 2389 sector peers (fiscal year 2025). The company has been active since 2006 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 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
111 d early
2023
96 d early
2022
123 d early
2021
75 d early
2020
53 d early
2019
1 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Equity
€4.00M▲ 3.2%
2024 · €3.87M
2018: €6.53M
2019: €7.11M
2020: €5.31M
2021: €5.47M
2022: €4.62M
2023: €4.45M
2024: €3.87M
2018 → 2025
Net result
€122k
2024 · €-578k
2018: €-1.93M
2019: €584k
2020: €-1.80M
2021: €157k
2022: €-853k
2023: €-164k
2024: €-578k
2018 → 2025
Total assets
€4.21M▲ 3.5%
2024 · €4.07M
2018: €6.66M
2019: €7.24M
2020: €5.45M
2021: €5.59M
2022: €4.73M
2023: €4.62M
2024: €4.07M
2018 → 2025
Solvency
94.9%▼ 0.3pp
2024 · 95.2%
2018: 98.0%
2019: 98.2%
2020: 97.5%
2021: 97.8%
2022: 97.5%
2023: 96.4%
2024: 95.2%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€5.47M-€4.62M▼ 15.6%€4.45M▼ 3.5%€3.87M▼ 13.0%€4.00M▲ 3.2%
Operating result€-283k-€-235k▲ 16.9%€-347k▼ 47.7%€-400k▼ 15.1%€-360k▲ 9.8%
Net result€157k-€-853k€-164k▲ 80.8%€-578k▼ 253%€122k
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €360k in 2025 against €400k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.21M
Fixed assets
€311k▲ 13.1%
Current assets
€3.90M▲ 2.8%
Equity and liabilities €4.21M
Equity
€4.00M▲ 3.2%
Debt
€214k▲ 10.1%
The debt ratio rises from 4.8% to 5.1%. Equity and debt are higher.
Key figures and ratios
Solvency
94.9%▼
2024 · 95.2%
ROE
3.1%▲
2024 · -14.9%
ROA
2.9%▲
2024 · -14.2%
Debt
€214k▲
2024 · €194k
Debt ≤ 1 year
€207k▲
2024 · €188k
Staff costs
€91k▼
2024 · €94k
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€4.07M€4.21M▲
Fixed assets21/28€275k€311k▲
Intangible fixed assets21€37k€90k▲
Tangible fixed assets22/27€167k€131k▼
Furniture and vehicles24€150k€116k▼
Other tangible fixed assets26€17k€16k▼
Financial fixed assets28€71k€89k▲
Current assets29/58€3.79M€3.90M▲
Amounts receivable within one year40/41€556k€773k▲
Trade receivables40€47k€273k▲
Other amounts receivable41€508k€500k▼
Current investments50/53€2.34M€2.67M▲
Cash at bank and in hand54/58€893k€436k▼
Deferred charges and accrued income490/1€7k€23k▲
Equity and liabilities
Total equity and liabilities10/49€4.07M€4.21M▲
Equity10/15€3.87M€4.00M▲
Contributions10/11€5.70M€5.70M=
Capital10€5.70M€5.70M=
Issued capital100€5.70M€5.70M=
Reserves13€181k€181k=
Non-distributable reserves130/1€181k€181k=
Legal reserve130€181k€181k=
Profit (loss) carried forward14€-2.01M€-1.88M▲
Amounts payable17/49€194k€214k▲
Amounts payable within one year42/48€188k€207k▲
Trade debts44€120k€154k▲
Suppliers440/4€120k€154k▲
Taxes, remuneration and social security45€69k€53k▼
Taxes450/3€17k€13k▼
Remuneration and social security454/9€51k€40k▼
Accrued charges and deferred income492/3€6k€7k▲
Income statement
Code20242025
Remuneration, social security and pensions62€94k€91k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€51k€134k▲
Other operating charges640/8€5k€5k▼
Gross operating margin9900€-249k€-130k▲
Operating profit (loss)9901€-400k€-360k▲
Financial income75/76B€276k€159k▼
Recurring financial income75€276k€159k▼
Financial charges65/66B€454k€-323k▼
Recurring financial charges65€454k€-323k▼
Profit (loss) for the period before taxes9903€-578k€122k▲
Profit (loss) for the period9904€-578k€122k▲
Profit (loss) for the period to be appropriated9905€-578k€122k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-2.01M€-1.88M▲
Profit (loss) brought forward from the previous period14P€-1.43M€-2.01M▼
Social balance
Average headcount (FTE)90873.33.7▲
The notes to these accounts (13 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 · full schema
2025
31-12
Financial
Back to profitnet €122k
Net result €122k after 3 loss-making years.
11-04
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
26-04
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
30-03
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
17-05
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Back to profitnet €157k
Net result €157k after one loss-making year.
08-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Back to profitnet €584k
Net result €584k after one loss-making year.
03-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
29-05
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
01-06
NBB filing
Annual accounts filed
fiscal year 2016 · full 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, Watermaal-Bosvoorde · 1 establishment unit since 2007
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.
Delleurlaan 221170 Watermaal-BosvoordeGround area
1,867 m²
Building footprint
199 m²
Volume, LiDAR
1,723 m³
Parcel 21652E0291/00R002, Brussels · tallest building 17.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Delleurlaan 22, 1170 Watermaal-Bosvoorde
since 20072.207.819.770
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21652E0291/00R002 | Brussels | 1,867 m² | 1 · 199 m² | 17.5 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.
Recognitions · licences · registrations
Legal Entity Identifier
967600WQJF87XYG9EA07
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 8,836 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded19-07-2006
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
74151
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.