Summary
Holding Roel Gabriels 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 €480k and a net result of €50k. Equity is growing by ~14.1% per year across the filed fiscal years. Its solvency ranks better than 69% of 5527 sector peers (fiscal year 2025). The company has been active since 2011 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
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 20-10-2025, 11 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
11 d early
2024
3 d early
2023
on the day
2022
3 d early
2021
30 d late
2020
1 d early
2019
31 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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 close24-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€480k▲ 3.8%
2024 · €463k
2019: €201k
2020: €262k
2021: €316k
2022: €372k
2023: €449k
2024: €463k
2019 → 2025
Net result
€50k▲ 30.4%
2024 · €38k
2019: €-35k
2020: €61k
2021: €55k
2022: €55k
2023: €77k
2024: €38k
2019 → 2025
Total assets
€661k▼ 4.9%
2024 · €695k
2019: €527k
2020: €586k
2021: €478k
2022: €649k
2023: €731k
2024: €695k
2019 → 2025
Solvency
72.6%▲ 6.1pp
2024 · 66.5%
2019: 38.0%
2020: 44.6%
2021: 66.2%
2022: 57.3%
2023: 61.5%
2024: 66.5%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€316k-€372k▲ 17.5%€449k▲ 20.8%€463k▲ 2.9%€480k▲ 3.8%
Operating result€88k-€86k▼ 2.7%€118k▲ 37.8%€61k▼ 48.2%€77k▲ 25.9%
Net result€55k-€55k▲ 1.0%€77k▲ 39.5%€38k▼ 50.6%€50k▲ 30.4%
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 26% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €661k
Fixed assets
€530k ▼ 0.7%
Current assets
€131k ▼ 18.8%
Equity and liabilities €661k
Equity
€480k ▲ 3.8%
Debt
€181k ▼ 22.2%
Debt's share of the balance-sheet total falls from 33.5% to 27.4%. Equity is higher and debt is lower.
Key figures and ratios
ROE
10.4%▲
2024 · 8.3%
ROA
7.5%▲
2024 · 5.5%
Debt ≤ 1 year
€60k▼
2024 · €103k
Debt > 1 year
€120k▼
2024 · €129k
Income taxes
€24k▲
2024 · €18k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 54 lines
Balance sheet
Code20242025
Assets
Total assets20/58€695k€661k▼
Fixed assets21/28€534k€530k▼
Tangible fixed assets22/27€145k€141k▼
Land and buildings22€145k€141k▼
Financial fixed assets28€389k€389k=
Current assets29/58€161k€131k▼
Amounts receivable within one year40/41€82k€25k▼
Trade receivables40€70k€19k▼
Other amounts receivable41€12k€6k▼
Current investments50/53-€21k
Cash at bank and in hand54/58€79k€84k▲
Deferred charges and accrued income490/1€954€959▲
Equity and liabilities
Total equity and liabilities10/49€695k€661k▼
Equity10/15€463k€480k▲
Contributions10/11€6k€6k=
Reserves13€456k€474k▲
Non-distributable reserves130/1€2k€0▼
Reserves not available under the articles1311€2k€0▼
Distributable reserves133€454k€474k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€233k€181k▼
Amounts payable after more than one year17€129k€120k▼
Financial debts170/4€129k€120k▼
Amounts payable within one year42/48€103k€60k▼
Current portion of amounts payable after more than one year42€20k€9k▼
Financial debts43€10k€0▼
Credit institutions430/8€10k€0▼
Trade debts44€7k€7k▲
Suppliers440/4€7k€7k▲
Taxes, remuneration and social security45€11k€8k▼
Taxes450/3€8k€6k▼
Remuneration and social security454/9€2k€2k=
Other amounts payable47/48€56k€36k▼
Accrued charges and deferred income492/3€1k€1k▲
Income statement
Code20242025
Non-recurring operating income76A€905€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k=
Other operating charges640/8€1k€1k▲
Gross operating margin9900€66k€82k▲
Operating profit (loss)9901€61k€77k▲
Financial income75/76B€1€2k▲
Recurring financial income75€1€2k▲
Financial charges65/66B€5k€5k▲
Recurring financial charges65€5k€5k▲
Profit (loss) for the period before taxes9903€56k€74k▲
Income taxes67/77€18k€24k▲
Profit (loss) for the period9904€38k€50k▲
Profit (loss) for the period to be appropriated9905€38k€50k▲
Appropriation of the result
Profit (loss) to be appropriated9906€38k€50k▲
Transfer from equity791/2€25k€32k▲
Transfer to equity691/2€38k€49k▲
To other reserves6921€38k€49k▲
Profit to be distributed694/7€25k€32k▲
Return on contributions (dividend)694€25k€32k▲
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (22 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
20-10
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2024
28-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
31-03
Financial
Highest result since 2019net €77k ▲39.5%
Operating result €118k, net result €77k, both a record.
2022
28-10
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2021
30-11
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 30 days late
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
31-03
Financial
Back to profitnet €61k
Net result €61k after one loss-making year.
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
24-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
28-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
05-10
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
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, Zoersel · 1 establishment unit since 2011
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.
Oostmallebaan 542980 ZoerselGround area
1,468 m²
Building footprint
144 m²
Volume, LiDAR
1,066 m³
Parcel 11055A0511/00E002, Flanders · tallest building 11.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Oostmallebaan 54, 2980 Zoersel
since 20112.205.303.413
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11055A0511/00E002 | Flanders | 1,468 m² | 1 · 144 m² | 11.3 m · 2 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.
Similar companies · same sector, comparable size
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BE 0447.723.888
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B-TECC
BE 0502.250.756
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VRANKEN CONSULTING
BE 0478.771.313
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 13,629 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-12-2011
Fiscal year end31-03
Activities, NACEBEL 2025
64210Activities of holding companies
68110Buying and selling of own real estate
70100Activities of head offices
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.