Het Middenstandhuis
ActiveThe annual accounts of Het Middenstandhuis for fiscal year 2025 show a net loss of 83% of total assets. The 2025 annual accounts show equity of €772k and a net result of €-647k. Equity remains stable across the filed fiscal years (±0.9% per year). Its solvency ranks better than 95% of 8601 sector peers (fiscal year 2025). The company has been active since 1968 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. A net loss of at least half of total assets or of the equity at the start of the financial year caps the score. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-19
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €45k at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
short-term debt: 0.2% and cash: 44.4% of total assets, and 1.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-647k
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 06-07-2026, 25 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
25 d early
2024
28 d early
2023
65 d late
2022
18 d early
2021
47 d early
2020
25 d late
2019
47 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€772k▼ 45.6%
2024 · €1.42M
2018: €558k
2019: €532k
2020: €1.50M
2021: €1.47M
2022: €1.44M
2023: €1.42M
2024: €1.42M
2018 → 2025
Total assets
€781k▼ 48.6%
2024 · €1.52M
2018: €1.14M
2019: €1.13M
2020: €1.69M
2021: €1.58M
2022: €1.55M
2023: €1.53M
2024: €1.52M
2018 → 2025
Net result
€-647k▼ 26,124%
2024 · €-2k
2018: €383k
2019: €-26k
2020: €969k
2021: €-35k
2022: €-26k
2023: €-19k
2024: €-2k
2018 → 2025
Working capital
€779k▼ 23.7%
2023 · €1.02M
2018: €339k
2019: €306k
2020: €1.06M
2021: €1.04M
2022: €1.03M
2023: €1.02M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.47M-€1.44M▼ 1.8%€1.42M▼ 1.3%€1.42M▼ 0.2%€772k▼ 45.6%
Operating result€-37k-€-29k▲ 21.9%€-29k▼ 1.5%€-33k▼ 13.6%€-698k▼ 2,005%
Net result€-35k-€-26k▲ 25.6%€-19k▲ 27.2%€-2k▲ 87.0%€-647k▼ 26,124%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €698k in 2025 against €33k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €781k
Equity
€772k▼ 45.6%
Provisions
€0▼ 100%
Debt
€9k▲ 94.7%
The debt ratio rises from 0.3% to 1.2%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
98.8%▲
2024 · 93.3%
Debt / equity
0.01▲
2024 · 0.00
ROE
-83.8%▼
2024 · -0.2%
ROA
-82.8%▼
2024 · -0.2%
Debt
€9k▲
2024 · €5k
Debt ≤ 1 year
€2k
Income taxes
€60k▲
2024 · €881
A ratio outside any meaningful range has been withheld (balance sheet total €781k, equity €772k).
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€1.52M€781k▼
Fixed assets21/28€483k-
Tangible fixed assets22/27€483k-
Land and buildings22€483k-
Current assets29/58€1.04M€781k▼
Amounts receivable after more than one year29€350k€350k=
Other amounts receivable291€350k€350k=
Amounts receivable within one year40/41€540k-
Other amounts receivable41€540k-
Current investments50/53€60k€60k=
Cash at bank and in hand54/58€71k€346k▲
Deferred charges and accrued income490/1€15k€24k▲
Equity and liabilities
Total equity and liabilities10/49€1.52M€781k▼
Equity10/15€1.42M€772k▼
Contributions10/11€111k€111k=
Capital10€111k€111k=
Issued capital100€111k€111k=
Reserves13€1.31M€1.00M▼
Non-distributable reserves130/1€11k€11k=
Legal reserve130€11k€11k=
Tax-exempt reserves132€290k-
Distributable reserves133€1.01M€989k▼
Profit (loss) carried forward14-€-340k
Provisions and deferred taxes16€97k-
Deferred taxes168€97k-
Amounts payable17/49€5k€9k▲
Amounts payable within one year42/48-€2k
Trade debts44-€330
Suppliers440/4-€330
Taxes, remuneration and social security45-€1k
Taxes450/3-€1k
Accrued charges and deferred income492/3€5k€7k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k-
Other operating charges640/8€3k€3k▲
Non-recurring operating charges66A-€676k
Gross operating margin9900€-14k€-18k▼
Operating profit (loss)9901€-33k€-698k▼
Financial income75/76B€28k€14k▼
Recurring financial income75€28k€14k▼
Financial charges65/66B€238€115▼
Recurring financial charges65€238€115▼
Profit (loss) for the period before taxes9903€-5k€-684k▼
Transfer from deferred taxes780€4k€97k▲
Income taxes67/77€881€60k▲
Profit (loss) for the period9904€-2k€-647k▼
Transfer from tax-exempt reserves789€11k€290k▲
Profit (loss) for the period to be appropriated9905€9k€-357k▼
Appropriation of the result
Profit (loss) to be appropriated9906€9k€-357k▼
Transfer from equity791/2-€17k
Transfer to equity691/2€9k-
To other reserves6921€9k-
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
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €-647k
Net result drops to €-647k, the lowest in the series.
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
04-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 65 days late
2023
13-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
14-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity times 24current ratio 366.34
Current ratio from 15.28 to 366.34; short-term debt falls from €74k to €3k.
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 25 days late
2020
31-12
Financial
Back to profitnet €969k
Net result €969k after one loss-making year.
31-12
Financial
Liquidity times 7current ratio 15.28
Current ratio from 2.25 to 15.28; short-term debt falls from €246k to €74k.
31-12
Financial
Equity above €1MEq €1.50M ▲182%
Equity rises from €532k to €1.50M.
16-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 47 days late
2019
23-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
14-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 14 days late
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
9 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, Kortrijk · 1 establishment unit since 1931
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.
Doorniksewijk(Kor) 1498500 KortrijkGround area
160 m²
Building footprint
125 m²
Parcel 34354C0079/00Y002, Flanders. Linked by address, not a title deed.
1 establishment unit
De Middenstand
since 19312.004.565.376
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34354C0079/00Y002 | Flanders | 160 m² | 1 · 125 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 82,546 companies in sector 70200 we hold annual accounts for 52,562. 30,601 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded01-01-1968
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
73300Public relations and communication consultancy
82100Office administrative and support services
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 46 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
General meetings
1 convocationExtraordinary general meeting
Agenda
1/ Aanpassing statuten aan nieuw Wetboek van vennootschappen en verenigingen. Voorstel beslissen aanpassing statuten aan WVV. 2/ Reorganisatie bestuursorgaan. Bevestiging benoeming huidige bestuurders en voorstel reorganisatie bestuursorgaan. 3/ Wijziging voorwerp van de vennootschap. a) Verslag bestuursorgaan met omstandige verantwoording uitbrei- ding voorwerp. b) Voorstel voorwerp uit te breiden. 4/ Nieuwe statuten. Voorstel aanneming volledig nieuwe statuten in overeenstemming met WVV, met ondermeer aanpassing regeling overdracht aandelen. 5/ Vaststelling zetel vennootschap. Vaststelling zetel, buiten de statuten. 6/ Machtiging bestuursorgaan. Verlenen machten aan bestuursorgaan om beslu ...