GRIMES 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 €60k and a net result of €-10k. Equity is growing by ~10.1% per year across the filed fiscal years. Its solvency ranks better than 78% of 2425 sector peers (fiscal year 2025). The company has been active since 2005 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 · Filed after the deadline
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 30-11-2025, 30 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
30 d late
2024
on the day
2023
on the day
2022
3 d late
2021
5 d late
2020
61 d late
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close20-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€60k▼ 13.9%
2024 · €70k
2019: €39k
2020: €52k
2021: €33k
2022: €39k
2023: €72k
2024: €70k
2019 → 2025
Net result
€-10k▼ 385%
2024 · €-2k
2019: €6k
2020: €12k
2021: €-18k
2022: €28k
2023: €103k
2024: €-2k
2019 → 2025
Total assets
€76k▼ 23.5%
2024 · €99k
2019: €68k
2020: €74k
2021: €104k
2022: €98k
2023: €213k
2024: €99k
2019 → 2025
Solvency
79.2%▲ 8.9pp
2024 · 70.3%
2019: 57.6%
2020: 70.1%
2021: 32.0%
2022: 39.4%
2023: 33.5%
2024: 70.3%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€33k-€39k▲ 15.6%€72k▲ 85.7%€70k▼ 2.8%€60k▼ 13.9%
Operating result€-17k-€41k€142k▲ 247%€2k▼ 98.8%€-9k
Net result€-18k-€28k€103k▲ 265%€-2k€-10k▼ 385%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €9k after €2k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €76k
Fixed assets
€7k▼ 64.9%
Current assets
€69k▼ 13.6%
Equity and liabilities €76k
Equity
€60k▼ 13.9%
Debt
€16k▼ 46.4%
The debt ratio falls from 29.7% to 20.8%. Equity and debt are lower.
Key figures and ratios
Solvency
79.2%▲
2024 · 70.3%
ROE
-16.1%▼
2024 · -2.9%
ROA
-12.8%▼
2024 · -2.0%
Debt
€16k▼
2024 · €29k
Debt ≤ 1 year
€3k▼
2024 · €17k
Debt > 1 year
€7k=
2024 · €7k
Income taxes
€900▼
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€99k€76k▼
Fixed assets21/28€19k€7k▼
Tangible fixed assets22/27€19k€7k▼
Plant, machinery and equipment23€190€62▼
Furniture and vehicles24€19k€7k▼
Current assets29/58€80k€69k▼
Amounts receivable within one year40/41€40k€29k▼
Other amounts receivable41€40k€29k▼
Cash at bank and in hand54/58€40k€27k▼
Deferred charges and accrued income490/1-€13k
Equity and liabilities
Total equity and liabilities10/49€99k€76k▼
Equity10/15€70k€60k▼
Contributions10/11€6k€6k=
Reserves13€48k€48k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€46k€46k=
Profit (loss) carried forward14€15k€6k▼
Amounts payable17/49€29k€16k▼
Amounts payable after more than one year17€7k€7k=
Financial debts170/4€7k€7k=
Amounts payable within one year42/48€17k€3k▼
Current portion of amounts payable after more than one year42€12k-
Trade debts44€54€2k▲
Suppliers440/4€54€2k▲
Taxes, remuneration and social security45€4k€887▼
Taxes450/3€4k€887▼
Accrued charges and deferred income492/3€5k€5k=
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€12k=
Other operating charges640/8€2k€2k▼
Gross operating margin9900€16k€5k▼
Operating profit (loss)9901€2k€-9k▼
Financial income75/76B€927€201▼
Recurring financial income75€927€201▼
Financial charges65/66B€320€166▼
Recurring financial charges65€320€166▼
Profit (loss) for the period before taxes9903€2k€-9k▼
Income taxes67/77€4k€900▼
Profit (loss) for the period9904€-2k€-10k▼
Profit (loss) for the period to be appropriated9905€-2k€-10k▼
Appropriation of the result
Profit (loss) to be appropriated9906€15k€6k▼
Profit (loss) brought forward from the previous period14P€17k€15k▼
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
2025
30-11
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
31-03
Financial
Liquidity times 5current ratio 22.51
Current ratio from 4.78 to 22.51; short-term debt falls from €17k to €3k.
2024
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Liquidity triplescurrent ratio 4.78
Current ratio from 1.74 to 4.78; short-term debt falls from €104k to €17k.
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-03
Financial
Highest result since 2019net €103k ▲265%
Operating result €142k, net result €103k, both a record.
2022
03-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 3 days late
31-03
Financial
Back to profitnet €28k
Net result €28k after one loss-making year.
2021
05-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 5 days late
31-03
Financial
Weakest financial yearnet €-18k ▼248%
Net result drops to €-18k, the lowest in the series; recovery starts the following year.
2020
31-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
2019
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
28-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2017
31-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
01-11
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 1 day late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Stekene · 1 establishment unit since 2005
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.
Polderstraat(STE) 19/A9190 StekeneGround area
2,432 m²
Building footprint
136 m²
Volume, LiDAR
379 m³
Parcel 46322D1105/00D000, Flanders · tallest building 4.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
GRIMES
since 20052.150.073.690
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46322D1105/00D000 | Flanders | 2,432 m² | 1 · 136 m² | 4.4 m · 1 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.
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Of 4,682 companies in sector 66220 we hold annual accounts for 3,227. 2,410 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-11-2005
Fiscal year end31-03
Activities, NACEBEL
66220Insurance agents and brokers
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.