GCM 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 €99k and a net result of €57k. Equity is growing by ~114.8% per year across the filed fiscal years. Its solvency ranks better than 25% of 7980 sector peers (fiscal year 2025). The company has been active since 2020 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 31-01-2026, 0 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
on the day
2024
28 d late
2023
29 d late
2022
27 d late
← 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 close17-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€99k▲ 136%
2024 · €42k
2022: €-35k
2023: €12k
2024: €42k
2022 → 2025
Net result
€57k▲ 89.3%
2024 · €30k
2022: €-40k
2023: €47k
2024: €30k
2022 → 2025
Total assets
€472k▲ 1.5%
2024 · €465k
2022: €472k
2023: €483k
2024: €465k
2022 → 2025
Solvency
20.9%▲ 11.9pp
2024 · 9.0%
2022: -7.4%
2023: 2.4%
2024: 9.0%
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€-35k-€12k€42k▲ 257%€99k▲ 136%
Operating result€-36k-€64k€51k▼ 20.2%€87k▲ 69.8%
Net result€-40k-€47k€30k▼ 35.5%€57k▲ 89.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 70% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €472k
Fixed assets
€399k▼ 4.2%
Current assets
€72k▲ 50.9%
Equity and liabilities €472k
Equity
€99k▲ 136%
Debt
€373k▼ 11.8%
The debt ratio falls from 91.0% to 79.1%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
20.9%▲
2024 · 9.0%
ROE
57.7%▼
2024 · 72.0%
ROA
12.1%▲
2024 · 6.5%
Debt
€373k▼
2024 · €423k
Debt ≤ 1 year
€111k▼
2024 · €139k
Debt > 1 year
€262k▼
2024 · €284k
Income taxes
€25k▲
2024 · €16k
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€465k€472k▲
Fixed assets21/28€417k€399k▼
Tangible fixed assets22/27€417k€399k▼
Land and buildings22€387k€376k▼
Plant, machinery and equipment23€9k€8k▼
Furniture and vehicles24€7k€5k▼
Other tangible fixed assets26€14k€12k▼
Current assets29/58€48k€72k▲
Amounts receivable within one year40/41-€77
Other amounts receivable41-€77
Cash at bank and in hand54/58€44k€66k▲
Deferred charges and accrued income490/1€4k€6k▲
Equity and liabilities
Total equity and liabilities10/49€465k€472k▲
Equity10/15€42k€99k▲
Contributions10/11€5k€5k=
Reserves13€37k€94k▲
Distributable reserves133€37k€94k▲
Amounts payable17/49€423k€373k▼
Amounts payable after more than one year17€284k€262k▼
Financial debts170/4€284k€262k▼
Amounts payable within one year42/48€139k€111k▼
Current portion of amounts payable after more than one year42€22k€22k▲
Financial debts43-€25k
Credit institutions430/8-€25k
Trade debts44€8k€18k▲
Suppliers440/4€8k€18k▲
Taxes, remuneration and social security45€33k€24k▼
Taxes450/3€33k€19k▼
Remuneration and social security454/9-€5k
Other amounts payable47/48€76k€22k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€17k▼
Other operating charges640/8€970€14k▲
Non-recurring operating charges66A-€34k
Gross operating margin9900€70k€153k▲
Operating profit (loss)9901€51k€87k▲
Financial charges65/66B€5k€6k▲
Recurring financial charges65€5k€6k▲
Profit (loss) for the period before taxes9903€46k€82k▲
Income taxes67/77€16k€25k▲
Profit (loss) for the period9904€30k€57k▲
Profit (loss) for the period to be appropriated9905€30k€57k▲
Appropriation of the result
Profit (loss) to be appropriated9906€30k€57k▲
Transfer to equity691/2€30k€57k▲
To other reserves6921€30k€57k▲
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
31-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Highest result since 2022net €57k ▲89.3%
Operating result €87k, net result €57k, both a record.
28-02
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
29-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
30-06
Financial
Back to profitnet €47k
Net result €47k after one loss-making year.
27-02
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 27 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Tremelo · 1 establishment unit since 2020
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.
Park Tremeland 653120 TremeloGround area
2,521 m²
Building footprint
243 m²
Volume, LiDAR
89 m³
Parcel 24109A0252/00B000, Flanders · tallest building 8.2 m. Linked by address, not a title deed.
1 establishment unit
Park Tremeland 65, 3120 Tremelo
since 20202.306.178.166
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24109A0252/00B000 | Flanders | 2,521 m² | 1 · 243 m² | 8.2 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.
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Of 24,726 companies in sector 64210 we hold annual accounts for 19,747. 12,292 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-08-2020
Fiscal year end30-06
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 4 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.