Holding 837 is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €2.48M and a net result of €2.06M. Equity is growing by ~252.5% per year across the filed fiscal years. Its solvency ranks better than 29% of 2777 sector peers (fiscal year 2024). The company has been active since 2020 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
Two signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-11-2024 was due by 30-06-2025 and was filed on 23-06-2025, 7 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
not confirmed
2024
7 d early
2023
5 d early
2022
3 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, full schema
Equity
€2.48M▲ 495%
2023 · €416k
2022: €375k
2023: €416k
2022 → 2024
Net result
€2.06M▲ 4,963%
2023 · €41k
2022: €75k
2023: €41k
2022 → 2024
Total assets
€7.60M▲ 15.3%
2023 · €6.59M
2022: €6.55M
2023: €6.59M
2022 → 2024
Solvency
32.6%▲ 26.3pp
2023 · 6.3%
2022: 5.7%
2023: 6.3%
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Turnover€442k-€233k▼ 47.2%€233k=
Equity€375k-€416k▲ 10.8%€2.48M▲ 495%
Operating result€128k-€74k▼ 42.4%€98k▲ 33.4%
Net result€75k-€41k▼ 46.0%€2.06M▲ 4,963%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 33% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €7.60M
Fixed assets
€6.49M▲ 0.5%
Current assets
€1.11M▲ 727%
Equity and liabilities €7.60M
Equity
€2.48M▲ 495%
Debt
€5.12M▼ 17.1%
The debt ratio falls from 93.7% to 67.4%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
32.6%▲
2023 · 6.3%
ROE
83.2%▲
2023 · 9.8%
ROA
27.1%▲
2023 · 0.6%
Debt
€5.12M▼
2023 · €6.18M
Debt ≤ 1 year
€1.64M▲
2023 · €96k
Debt > 1 year
€3.48M▼
2023 · €6.08M
Income taxes
€20k▲
2023 · €14k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€6.59M€7.60M▲
Fixed assets21/28€6.46M€6.49M▲
Financial fixed assets28€6.46M€6.49M▲
Affiliated companies280/1€6.46M€6.49M▲
Participating interests280€6.41M€6.41M=
Amounts receivable281€50k€80k▲
Current assets29/58€134k€1.11M▲
Amounts receivable within one year40/41€24k€51k▲
Trade receivables40€24k€51k▲
Cash at bank and in hand54/58€106k€1.06M▲
Deferred charges and accrued income490/1€4k€3k▼
Equity and liabilities
Total equity and liabilities10/49€6.59M€7.60M▲
Equity10/15€416k€2.48M▲
Contributions10/11€300k€300k=
Capital10€300k€300k=
Issued capital100€300k€300k=
Reserves13€7k€30k▲
Non-distributable reserves130/1€7k€30k▲
Legal reserve130€7k€30k▲
Profit (loss) carried forward14€109k€2.15M▲
Amounts payable17/49€6.18M€5.12M▼
Amounts payable after more than one year17€6.08M€3.48M▼
Financial debts170/4€6.08M€3.48M▼
Subordinated loans170€4.48M€3.48M▼
Credit institutions173€1.60M-
Amounts payable within one year42/48€96k€1.64M▲
Current portion of amounts payable after more than one year42-€1.60M
Trade debts44€54k€19k▼
Suppliers440/4€54k€19k▼
Taxes, remuneration and social security45€42k€24k▼
Taxes450/3€42k€24k▼
Other amounts payable47/48€5€5=
Accrued charges and deferred income492/3€2k-
Income statement
Code20232024
Operating income70/76A€233k€233k=
Turnover70€233k€233k=
Operating charges60/66A€159k€135k▼
Services and other goods61€159k€134k▼
Other operating charges640/8€384€968▲
Operating profit (loss)9901€74k€98k▲
Financial income75/76B-€2.00M
Recurring financial income75-€2.00M
Income from financial fixed assets750-€2.00M
Financial charges65/66B€19k€19k=
Recurring financial charges65€19k€19k=
Debt charges650€19k€19k=
Profit (loss) for the period before taxes9903€54k€2.08M▲
Income taxes67/77€14k€20k▲
Taxes670/3€14k€20k▲
Profit (loss) for the period9904€41k€2.06M▲
Profit (loss) for the period to be appropriated9905€41k€2.06M▲
Appropriation of the result
Profit (loss) to be appropriated9906€112k€2.17M▲
Profit (loss) brought forward from the previous period14P€71k€109k▲
Transfer to equity691/2€3k€23k▲
To the legal reserve6920€3k€23k▲
The notes to these accounts (26 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
04-08
State Gazette act
General meeting · Director resignation
Director discharge · Director appointment
2025
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
30-11
Financial
Highest result since 2022net €2.06M ▲4963%
Net result €2.06M, the highest in the series.
30-11
Financial
Equity above €2MEq €2.48M ▲495%
3 profitable years in a row build equity to €2.48M.
25-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
30-11
Financial
Weakest financial yearnet €41k ▼46%
Net result drops to €41k, the lowest in the series; recovery starts the following year.
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
Financial milestoneState Gazette actNBB 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, Herent · 1 establishment unit since 2020
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.
Molenaarsweg 83020 HerentGround area
659 m²
Building footprint
146 m²
Parcel 24423H0154/00D002, Flanders · tallest building 0.2 m. Linked by address, not a title deed.
1 establishment unit
Holding 837
since 20202.311.307.486
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24423H0154/00D002 | Flanders | 659 m² | 1 · 145 m² | 0.2 m |
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.
Structure & network
Ownership & control
1 partyHolding 837BE 0759.871.373
controls
Where this company holds controlthis company sits on their board1
1 location
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Of 24,726 companies in sector 64210 we hold annual accounts for 19,748. 10,271 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded16-12-2020
Fiscal year end30-11
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.