GROUP W 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 €198k and a net result of €4k. Equity is growing by ~16% per year across the filed fiscal years. Its solvency ranks better than 47% of 2420 sector peers (fiscal year 2025). The company has been active since 1988 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 28-07-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
54 d late
2023
57 d late
2022
88 d late
2021
30 d early
2020
9 d early
2019
130 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€198k▲ 1.9%
2024 · €194k
2018: €57k
2019: €93k
2020: €116k
2021: €130k
2022: €122k
2023: €186k
2024: €194k
2018 → 2025
Net result
€4k▼ 55.8%
2024 · €8k
2018: €16k
2019: €36k
2020: €23k
2021: €14k
2022: €-8k
2023: €-4k
2024: €8k
2018 → 2025
Total assets
€415k▼ 22.0%
2024 · €532k
2018: €113k
2019: €218k
2020: €219k
2021: €254k
2022: €238k
2023: €286k
2024: €532k
2018 → 2025
Solvency
47.7%▲ 11.2pp
2024 · 36.5%
2018: 50.4%
2019: 42.7%
2020: 52.9%
2021: 51.2%
2022: 51.3%
2023: 65.1%
2024: 36.5%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€130k-€122k▼ 6.4%€186k▲ 52.8%€194k▲ 4.4%€198k▲ 1.9%
Operating result€23k-€-7k€-2k▲ 72.9%€10k€5k▼ 51.3%
Net result€14k-€-8k€-4k▲ 50.4%€8k€4k▼ 55.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 51% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €415k
Fixed assets
€100k▼ 0.1%
Current assets
€315k▼ 27.1%
Equity and liabilities €415k
Equity
€198k▲ 1.9%
Debt
€217k▼ 35.8%
The debt ratio falls from 63.5% to 52.3%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
47.7%▲
2024 · 36.5%
ROE
1.8%▼
2024 · 4.2%
ROA
0.9%▼
2024 · 1.5%
Debt
€217k▼
2024 · €338k
Debt ≤ 1 year
€217k▼
2024 · €337k
Income taxes
€1k▼
2024 · €2k
Staff costs
€48k▼
2024 · €51k
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€532k€415k▼
Fixed assets21/28€100k€100k▼
Tangible fixed assets22/27€100k€100k▼
Land and buildings22€100k€100k=
Furniture and vehicles24€123-
Current assets29/58€432k€315k▼
Amounts receivable within one year40/41€340k€279k▼
Other amounts receivable41€340k€279k▼
Cash at bank and in hand54/58€92k€36k▼
Equity and liabilities
Total equity and liabilities10/49€532k€415k▼
Equity10/15€194k€198k▲
Contributions10/11€19k€19k=
Revaluation surpluses12€68k€68k=
Reserves13€112k€112k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€110k€110k=
Profit (loss) carried forward14€-4k€-697▲
Amounts payable17/49€338k€217k▼
Amounts payable after more than one year17€880-
Financial debts170/4€880-
Amounts payable within one year42/48€337k€217k▼
Current portion of amounts payable after more than one year42€3k€880▼
Trade debts44€3k€2k▼
Suppliers440/4€3k€2k▼
Taxes, remuneration and social security45€9k€25k▲
Taxes450/3€2k€2k▲
Remuneration and social security454/9€7k€23k▲
Other amounts payable47/48€322k€190k▼
Income statement
Code20242025
Remuneration, social security and pensions62€51k€48k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€123▼
Other operating charges640/8€364€193▼
Gross operating margin9900€64k€53k▼
Operating profit (loss)9901€10k€5k▼
Financial charges65/66B€122€109▼
Recurring financial charges65€122€109▼
Profit (loss) for the period before taxes9903€10k€5k▼
Income taxes67/77€2k€1k▼
Profit (loss) for the period9904€8k€4k▼
Profit (loss) for the period to be appropriated9905€8k€4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-4k€-697▲
Profit (loss) brought forward from the previous period14P€-13k€-4k▲
The notes to these accounts (9 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
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
23-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 54 days late
2024
31-12
Financial
Back to profitnet €8k
Net result €8k after 2 loss-making years.
26-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 57 days late
2023
31-12
Financial
Equity above €150kEq €186k ▲52.8%
Equity rises from €122k to €186k.
27-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 88 days late
2022
31-12
Financial
Weakest financial yearnet €-8k ▼158%
Net result drops to €-8k, the lowest in the series; recovery starts the following year.
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
22-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €100kEq €116k ▲24.4%
3 profitable years in a row build equity to €116k.
08-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 130 days late
2019
31-12
Financial
Highest result since 2018net €36k ▲131%
Operating result €56k, net result €36k, both a record.
25-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 56 days late
2018
26-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 57 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 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, Keerbergen · 1 establishment unit since 1989
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.
Piervenshoek 143140 KeerbergenGround area
1,997 m²
Building footprint
393 m²
Volume, LiDAR
1,029 m³
2 parcels, Flanders · tallest building 10.8 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
GROUP W
since 19892.041.778.536
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24472G0328/00F000 | Flanders | 1,454 m² | 1 · 146 m² | 9.0 m · 1 fl. |
| 24472G0328/00M000 | Flanders | 542 m² | 1 · 247 m² | 10.8 m · 1 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 4,685 companies in sector 66220 we hold annual accounts for 3,230. 2,824 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-12-1988
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 33 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.