Hassotheek 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 €133k and a net result of €25k. Equity is growing by ~27.3% per year across the filed fiscal years. Its solvency ranks better than 7% of 5521 sector peers (fiscal year 2025). The company has been active since 2021 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 29-01-2026, 2 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
2 d early
2024
4 d late
2023
on the day
2022
28 d early
← 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 close20-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€133k▲ 23.0%
2024 · €108k
2022: €66k
2023: €81k
2024: €108k
2022 → 2025
Net result
€25k▼ 9.5%
2024 · €28k
2022: €4k
2023: €15k
2024: €28k
2022 → 2025
Total assets
€5.31M▲ 25.5%
2024 · €4.23M
2022: €1.67M
2023: €4.25M
2024: €4.23M
2022 → 2025
Solvency
2.5%▼ 0.1pp
2024 · 2.6%
2022: 3.9%
2023: 1.9%
2024: 2.6%
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€66k-€81k▲ 22.4%€108k▲ 34.2%€133k▲ 23.0%
Operating result€6k-€79k▲ 1,253%€77k▼ 2.9%€85k▲ 10.0%
Net result€4k-€15k▲ 237%€28k▲ 86.9%€25k▼ 9.5%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 10% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €5.31M
Fixed assets
€5.15M▲ 22.6%
Current assets
€158k▲ 464%
Equity and liabilities €5.31M
Equity
€133k▲ 23.0%
Debt
€5.18M▲ 25.6%
The debt ratio rises from 97.4% to 97.5%. Equity and debt are higher.
Key figures and ratios
Solvency
2.5%▼
2024 · 2.6%
ROE
18.7%▼
2024 · 25.5%
ROA
0.5%▼
2024 · 0.7%
Debt
€5.18M▲
2024 · €4.12M
Debt ≤ 1 year
€504k▲
2024 · €256k
Debt > 1 year
€4.66M▲
2024 · €3.87M
Income taxes
€11k▼
2024 · €11k
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€4.23M€5.31M▲
Fixed assets21/28€4.20M€5.15M▲
Intangible fixed assets21€3k€1k▼
Financial fixed assets28€4.20M€5.15M▲
Current assets29/58€28k€158k▲
Amounts receivable within one year40/41€15k€15k=
Trade receivables40€3k€3k=
Other amounts receivable41€12k€12k=
Cash at bank and in hand54/58€12k€143k▲
Deferred charges and accrued income490/1€1k€0▼
Equity and liabilities
Total equity and liabilities10/49€4.23M€5.31M▲
Equity10/15€108k€133k▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Outside capital11€0-
Other1109/19€0-
Reserves13€47k€72k▲
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Distributable reserves133€40k€65k▲
Amounts payable17/49€4.12M€5.18M▲
Amounts payable after more than one year17€3.87M€4.66M▲
Financial debts170/4€3.87M€4.66M▲
Amounts payable within one year42/48€256k€504k▲
Current portion of amounts payable after more than one year42€95k€249k▲
Trade debts44€2k€2k▲
Suppliers440/4€2k€2k▲
Taxes, remuneration and social security45€17k€11k▼
Taxes450/3€17k€11k▼
Other amounts payable47/48€142k€242k▲
Accrued charges and deferred income492/3-€12k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k=
Other operating charges640/8€446€1k▲
Gross operating margin9900€79k€88k▲
Operating profit (loss)9901€77k€85k▲
Financial charges65/66B€38k€49k▲
Recurring financial charges65€38k€49k▲
Profit (loss) for the period before taxes9903€39k€35k▼
Income taxes67/77€11k€11k▼
Profit (loss) for the period9904€28k€25k▼
Profit (loss) for the period to be appropriated9905€28k€25k▼
Appropriation of the result
Profit (loss) to be appropriated9906€28k€25k▼
Transfer to equity691/2€28k€25k▼
To the legal reserve6920€6k€0▼
To other reserves6921€21k€25k▲
Social balance
Average headcount (FTE)90870.0-
The notes to these accounts (14 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
29-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
04-02
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 4 days late
2024
30-06
Financial
Highest result since 2022net €28k ▲86.9%
Net result €28k, the highest in the series.
30-06
Financial
Equity above €100kEq €108k ▲34.2%
3 profitable years in a row build equity to €108k.
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
03-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated 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, Hasselt · 1 establishment unit since 2021
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.
Vrijwilligersplein 83500 HasseltGround area
351 m²
Building footprint
115 m²
Parcel 71327G0563/00Y002, Flanders. Linked by address, not a title deed.
1 establishment unit
Hassotheek
since 20212.314.769.594
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71327G0563/00Y002 | Flanders | 351 m² | 1 · 115 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 24,728 companies in sector 64210 we hold annual accounts for 19,760. 12,997 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded19-03-2021
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 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.