GARDENIA 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 €190k and a net result of €34k. Equity is growing by ~4.8% per year across the filed fiscal years. Its solvency ranks better than 55% of 2413 sector peers (fiscal year 2025). The company has been active since 2018 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 01-06-2026, 60 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
60 d early
2024
77 d early
2023
69 d early
2022
30 d late
2021
24 d late
2020
20 d late
2019
20 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€190k▼ 31.2%
2024 · €276k
2019: €126k
2020: €173k
2021: €261k
2022: €280k
2023: €264k
2024: €276k
2019 → 2025
Net result
€34k▲ 169%
2024 · €12k
2019: €120k
2020: €47k
2021: €88k
2022: €18k
2023: €-16k
2024: €12k
2019 → 2025
Total assets
€340k▲ 18.4%
2024 · €287k
2019: €217k
2020: €291k
2021: €358k
2022: €379k
2023: €276k
2024: €287k
2019 → 2025
Solvency
55.9%▼ 40.3pp
2024 · 96.2%
2019: 58.1%
2020: 59.5%
2021: 73.0%
2022: 73.8%
2023: 95.5%
2024: 96.2%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€261k-€280k▲ 7.0%€264k▼ 5.8%€276k▲ 4.7%€190k▼ 31.2%
Operating result€127k-€25k▼ 80.0%€-14k€12k€50k▲ 305%
Net result€88k-€18k▼ 79.2%€-16k€12k€34k▲ 169%
Turnover and EBIT margin not published: the micro 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 305% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €340k
Fixed assets
€5k▼ 52.6%
Current assets
€335k▲ 20.9%
Equity and liabilities €340k
Equity
€190k▼ 31.2%
Debt
€150k▲ 1,284%
The debt ratio rises from 3.8% to 44.1%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
55.9%▼
2024 · 96.2%
ROE
17.7%▲
2024 · 4.5%
ROA
9.9%▲
2024 · 4.4%
Debt
€150k▲
2024 · €11k
Debt ≤ 1 year
€139k▲
2024 · €3k
Income taxes
€16k▲
2024 · €-2k
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€287k€340k▲
Fixed assets21/28€10k€5k▼
Tangible fixed assets22/27€10k€5k▼
Plant, machinery and equipment23€252-
Furniture and vehicles24€10k€5k▼
Current assets29/58€277k€335k▲
Stocks and contracts in progress3-€10k
Stocks30/36-€10k
Amounts receivable within one year40/41€217k€182k▼
Trade receivables40€121k€84k▼
Other amounts receivable41€96k€98k▲
Cash at bank and in hand54/58€60k€143k▲
Equity and liabilities
Total equity and liabilities10/49€287k€340k▲
Equity10/15€276k€190k▼
Contributions10/11€6k€6k=
Reserves13€274k€184k▼
Distributable reserves133€274k€184k▼
Profit (loss) carried forward14€-4k-
Amounts payable17/49€11k€150k▲
Amounts payable within one year42/48€3k€139k▲
Trade debts44€3k€4k▲
Suppliers440/4€3k€4k▲
Taxes, remuneration and social security45€292€16k▲
Taxes450/3€292€16k▲
Other amounts payable47/48-€120k
Accrued charges and deferred income492/3€8k€10k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€5k▼
Other operating charges640/8€736€605▼
Gross operating margin9900€19k€56k▲
Operating profit (loss)9901€12k€50k▲
Financial income75/76B€248€593▲
Recurring financial income75€248€593▲
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€11k€50k▲
Income taxes67/77€-2k€16k▲
Profit (loss) for the period9904€12k€34k▲
Profit (loss) for the period to be appropriated9905€12k€34k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-4k€30k▲
Profit (loss) brought forward from the previous period14P€-16k€-4k▲
Transfer from equity791/2-€120k
Transfer to equity691/2-€30k
To other reserves6921-€30k
Profit to be distributed694/7-€120k
Return on contributions (dividend)694-€120k
The notes to these accounts (5 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
01-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
15-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €12k
Net result €12k after one loss-making year.
31-12
Financial
Liquidity quadruplescurrent ratio 85.28
Current ratio from 20.84 to 85.28; short-term debt falls from €12k to €3k.
23-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-16k ▼189%
Net result drops to €-16k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity quadruplescurrent ratio 20.84
Current ratio from 5.53 to 20.84; short-term debt falls from €64k to €12k.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 24 days late
2021
31-12
Financial
Equity above €200kEq €261k ▲50.8%
3 profitable years in a row build equity to €261k.
20-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 20 days late
2020
31-12
Financial
Equity above €150kEq €173k ▲37.7%
2 profitable years in a row build equity to €173k.
20-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 20 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Knokke-Heist · 1 establishment unit since 2018
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.
Zeedijk-Knokke 7088300 Knokke-HeistGround area
4,571 m²
Building footprint
3,289 m²
Volume, LiDAR
72,580 m³
2 parcels, Brussels, Flanders · tallest building 43.4 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
GARDENIA
since 20182.310.933.839
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31013A0767/00G000 | Flanders | 3,619 m² | 1 · 3,148 m² | 43.4 m · 7 fl. |
| 21009A0360/00S005 | Brussels | 952 m² | 1 · 141 m² | 26.6 m · 7 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 1,511 companies in sector 66199 we hold annual accounts for 917. 650 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-05-2018
Fiscal year end31-12
Activities, NACEBEL
66199Other activities auxiliary to financial services, excluding insurance and pension funding
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.