GERT VAN HUFFEL 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 €426k and a net result of €394. Equity is growing by ~7.4% per year across the filed fiscal years. Its solvency ranks better than 69% of 7980 sector peers (fiscal year 2025). The company has been active since 2012 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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
28 d late
2023
30 d late
2022
28 d late
2021
26 d late
2020
26 d late
2019
27 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
€426k▲ 70.3%
2024 · €250k
2018: €34k
2019: €214k
2020: €385k
2021: €443k
2022: €434k
2023: €434k
2024: €250k
2018 → 2025
Net result
€394
2024 · €-9k
2018: €15k
2019: €180k
2020: €171k
2021: €58k
2022: €-8k
2023: €12k
2024: €-9k
2018 → 2025
Total assets
€588k▲ 1.2%
2024 · €581k
2018: €611k
2019: €797k
2020: €827k
2021: €627k
2022: €577k
2023: €591k
2024: €581k
2018 → 2025
Solvency
72.4%▲ 29.4pp
2024 · 43.0%
2018: 5.5%
2019: 26.9%
2020: 46.6%
2021: 70.6%
2022: 75.3%
2023: 73.5%
2024: 43.0%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€443k-€434k▼ 1.9%€434k=€250k▼ 42.4%€426k▲ 70.3%
Operating result€95k-€4k▼ 96.2%€32k▲ 789%€8k▼ 74.4%€19k▲ 131%
Net result€58k-€-8k€12k€-9k€394
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 131% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €588k
Fixed assets
€549k▲ 1.7%
Current assets
€39k▼ 5.7%
Equity and liabilities €588k
Equity
€426k▲ 70.3%
Debt
€162k▼ 51.0%
The debt ratio falls from 57.0% to 27.6%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
72.4%▲
2024 · 43.0%
ROE
0.1%▲
2024 · -3.5%
ROA
0.1%▲
2024 · -1.5%
Debt
€162k▼
2024 · €331k
Debt ≤ 1 year
€162k▼
2024 · €331k
Income taxes
€8k▲
2024 · €4k
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€581k€588k▲
Fixed assets21/28€540k€549k▲
Tangible fixed assets22/27€540k€549k▲
Land and buildings22€510k€510k=
Plant, machinery and equipment23€2k€3k▲
Furniture and vehicles24€24k€34k▲
Other tangible fixed assets26€3k€2k▼
Current assets29/58€42k€39k▼
Amounts receivable within one year40/41€8k€13k▲
Trade receivables40-€13k
Other amounts receivable41€8k-
Cash at bank and in hand54/58€32k€25k▼
Deferred charges and accrued income490/1€1k€737▼
Equity and liabilities
Total equity and liabilities10/49€581k€588k▲
Equity10/15€250k€426k▲
Contributions10/11€6k€6k=
Reserves13€253k€428k▲
Tax-exempt reserves132€18k€18k=
Distributable reserves133€235k€410k▲
Profit (loss) carried forward14€-9k€-8k▲
Amounts payable17/49€331k€162k▼
Amounts payable within one year42/48€331k€162k▼
Trade debts44€11k€10k▼
Suppliers440/4€11k€10k▼
Taxes, remuneration and social security45€7k€19k▲
Taxes450/3€7k€19k▲
Other amounts payable47/48€313k€133k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23k€22k▼
Other operating charges640/8€2k€2k▲
Gross operating margin9900€33k€44k▲
Operating profit (loss)9901€8k€19k▲
Financial income75/76B€0€0▲
Recurring financial income75€0€0▲
Financial charges65/66B€13k€10k▼
Recurring financial charges65€13k€10k▼
Profit (loss) for the period before taxes9903€-5k€9k▲
Income taxes67/77€4k€8k▲
Profit (loss) for the period9904€-9k€394▲
Profit (loss) for the period to be appropriated9905€-9k€394▲
Appropriation of the result
Profit (loss) to be appropriated9906€-9k€-8k▲
Profit (loss) brought forward from the previous period14P-€-9k
Transfer from equity791/2€175k-
Profit to be distributed694/7€175k-
Return on contributions (dividend)694€175k-
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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €394
Net result €394 after one loss-making year.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Weakest financial yearnet €-9k ▼173%
Net result drops to €-9k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Back to profitnet €12k
Net result €12k after one loss-making year.
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 27 days late
2019
31-12
Financial
Highest result since 2018net €180k ▲1067%
Operating result €279k, net result €180k, both a record.
31-12
Financial
Equity above €200kEq €214k ▲535%
2 profitable years in a row build equity to €214k.
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
20-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
26-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Nazareth-De Pinte · 1 establishment unit since 2012
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.
Salviapark 89840 Nazareth-De PinteGround area
644 m²
Building footprint
136 m²
Parcel 44012B0668/00S000, Flanders. Linked by address, not a title deed.
1 establishment unit
Salviapark 8, 9840 Nazareth-De Pinte
since 20122.216.243.627
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44012B0668/00S000 | Flanders | 644 m² | 1 · 136 m² | - |
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. 13,699 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-11-2012
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:gert.vanhuffel@telenet.be
Phone:0496/579057