Summary
GOEYENS FINANCES 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 €19.04M and a net result of €4.70M. Equity is growing by ~10.2% per year across the filed fiscal years. Its solvency ranks better than 31% of 2394 sector peers (fiscal year 2025). The company has been active since 2002 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
1 signal. 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 07-07-2026, 24 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
24 d early
2024
29 d early
2023
216 d late
2022
29 d late
2021
1 d late
2020
29 d early
2019
29 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema, statutory accounts
Equity
€19.04M▲ 32.7%
2024 · €14.34M
2018: €7.36M
2019: €8.78M
2020: €9.48M
2021: €10.92M
2022: €11.77M
2023: €12.59M
2024: €14.34M
2018 → 2025
Net result
€4.70M▲ 167%
2024 · €1.76M
2018: €1.42M
2019: €1.42M
2020: €696k
2021: €1.44M
2022: €859k
2023: €912k
2024: €1.76M
2018 → 2025
Total assets
€48.78M▲ 9.3%
2024 · €44.61M
2018: €25.92M
2019: €25.73M
2020: €25.41M
2021: €26.12M
2022: €25.98M
2023: €34.26M
2024: €44.61M
2018 → 2025
Solvency
39.0%▲ 6.9pp
2024 · 32.2%
2018: 28.4%
2019: 34.1%
2020: 37.3%
2021: 41.8%
2022: 45.3%
2023: 36.7%
2024: 32.2%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€3.28M-€3.60M▲ 9.8%€3.97M▲ 10.5%€6.49M▲ 63.2%€6.47M▼ 0.3%
Equity€10.92M-€11.77M▲ 7.9%€12.59M▲ 6.9%€14.34M▲ 14.0%€19.04M▲ 32.7%
Operating result€532k-€551k▲ 3.5%€502k▼ 9.0%€1.82M▲ 262%€1.37M▼ 24.6%
Net result€1.44M-€859k▼ 40.3%€912k▲ 6.2%€1.76M▲ 92.5%€4.70M▲ 167%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 25% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €48.78M
Fixed assets
€31.33M ▲ 4.2%
Current assets
€17.45M ▲ 20.0%
Equity and liabilities €48.78M
Equity
€19.04M ▲ 32.7%
Debt
€29.73M ▼ 1.7%
Debt's share of the balance-sheet total falls from 67.8% to 61.0%. Equity is higher and debt is lower.
Key figures and ratios
ROE
24.7%▲
2024 · 12.2%
ROA
9.6%▲
2024 · 3.9%
Debt ≤ 1 year
€24.67M▲
2024 · €22.73M
Debt > 1 year
€5.06M▼
2024 · €7.53M
Income taxes
€283k▼
2024 · €328k
Staff costs
€2.15M▲
2024 · €2.08M
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 53 lines
Balance sheet
Code20242025
Assets
Total assets20/58€44.61M€48.78M▲
Fixed assets21/28€30.06M€31.33M▲
Tangible fixed assets22/27€103k€66k▼
Land and buildings22€103k€66k▼
Financial fixed assets28€29.96M€31.26M▲
Current assets29/58€14.54M€17.45M▲
Amounts receivable within one year40/41€9.52M€11.29M▲
Trade receivables40€4.14M€3.23M▼
Other amounts receivable41€5.38M€8.06M▲
Cash at bank and in hand54/58€5.02M€6.15M▲
Equity and liabilities
Total equity and liabilities10/49€44.61M€48.78M▲
Equity10/15€14.34M€19.04M▲
Contributions10/11€2.51M€2.51M=
Capital10€2.51M€2.51M=
Issued capital100€2.51M€2.51M=
Reserves13€883k€1.88M▲
Non-distributable reserves130/1€251k€251k=
Legal reserve130€251k€251k=
Tax-exempt reserves132€632k€1.63M▲
Profit (loss) carried forward14€10.95M€14.65M▲
Amounts payable17/49€30.26M€29.73M▼
Amounts payable after more than one year17€7.53M€5.06M▼
Financial debts170/4€7.53M€5.06M▼
Amounts payable within one year42/48€22.73M€24.67M▲
Current portion of amounts payable after more than one year42€1.30M€1.32M▲
Financial debts43€150k€7.65M▲
Credit institutions430/8€150k€7.65M▲
Trade debts44€1.25M€826k▼
Suppliers440/4€1.25M€826k▼
Taxes, remuneration and social security45€439k€421k▼
Taxes450/3€189k€131k▼
Remuneration and social security454/9€250k€290k▲
Other amounts payable47/48€19.59M€14.45M▼
Accrued charges and deferred income492/3€9k€7k▼
Income statement
Code20242025
Turnover70€6.49M€6.47M▼
Goods, raw materials, services and sundry goods60/61€2.38M€2.75M▲
Remuneration, social security and pensions62€2.08M€2.15M▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€37k€37k=
Other operating charges640/8€172k€162k▼
Gross operating margin9900€4.10M€3.72M▼
Operating profit (loss)9901€1.82M€1.37M▼
Financial income75/76B€843k€3.90M▲
Recurring financial income75€843k€3.90M▲
Financial charges65/66B€575k€287k▼
Recurring financial charges65€575k€287k▼
Profit (loss) for the period before taxes9903€2.08M€4.98M▲
Income taxes67/77€328k€283k▼
Profit (loss) for the period9904€1.76M€4.70M▲
Transfer to tax-exempt reserves689€632k€998k▲
Profit (loss) for the period to be appropriated9905€1.13M€3.70M▲
Appropriation of the result
Profit (loss) to be appropriated9906€10.95M€14.65M▲
Profit (loss) brought forward from the previous period14P€9.83M€10.95M▲
Social balance
Average headcount (FTE)908716.016.0=
The notes to these accounts (10 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
20-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
07-07
NBB filing
Annual accounts filed
fiscal year 2025 · consolidated
2025
31-12
Financial
Highest result since 2018net €4.70M ▲167%
Net result €4.70M, the highest in the series.
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · consolidated
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
04-03
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 216 days late
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 29 days late
2022
01-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 1 day late
2021
31-12
Financial
Equity above €10MEq €10.92M ▲15.2%
4 profitable years in a row build equity to €10.92M.
02-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Weakest financial yearnet €696k ▼51%
Net result drops to €696k, the lowest in the series; recovery starts the following year.
02-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
17-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Fontaine-l'Evêque · 1 establishment unit since 2002
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.
Rue de Mons(F-E) 5026140 Fontaine-l'EvêqueGround area
3.2 ha
Building footprint
1.4 ha
Volume, LiDAR
70,878 m³
2 parcels, Wallonia · tallest building 9.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Route de Philippeville 301, 6010 Charleroi
since 20022.115.215.355
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52022C0002/00F006 | Wallonia | 2.5 ha | 1 · 1.2 ha | 9.8 m · 2 fl. |
| 52014B0082/00M000 | Wallonia | 6,644 m² | 1 · 2,596 m² | - |
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 24,725 companies in sector 64210 we hold annual accounts for 19,762. 4,369 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded11-09-2002
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
63100Computing infrastructure, data processing, hosting and related activities
70100Activities of head offices
73110Advertising agencies
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.