HOLVOET N 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 €201k and a net result of €70k. Equity is growing by ~5.5% per year across the filed fiscal years. Its solvency ranks better than 68% of 3321 sector peers (fiscal year 2024). The company has been active since 2005 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 31-12-2024 was due by 31-07-2025 and was filed on 30-06-2025, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
31 d early
2023
12 d early
2022
36 d late
2021
31 d late
2020
17 d early
2019
28 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€201k▲ 53.0%
2023 · €131k
2018: €119k
2019: €99k
2020: €119k
2021: €112k
2022: €104k
2023: €131k
2018 → 2024
Net result
€70k▲ 153%
2023 · €28k
2018: €-5k
2019: €-20k
2020: €20k
2021: €-7k
2022: €-8k
2023: €28k
2018 → 2024
Total assets
€287k▲ 42.4%
2023 · €202k
2018: €179k
2019: €155k
2020: €229k
2021: €204k
2022: €182k
2023: €202k
2018 → 2024
Solvency
70.0%▲ 4.8pp
2023 · 65.2%
2018: 66.4%
2019: 64.0%
2020: 51.9%
2021: 55.0%
2022: 57.1%
2023: 65.2%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€119k-€112k▼ 5.8%€104k▼ 7.3%€131k▲ 26.5%€201k▲ 53.0%
Operating result€29k-€-2k€-3k▼ 98.8%€48k€105k▲ 119%
Net result€20k-€-7k€-8k▼ 18.3%€28k€70k▲ 153%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 119% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €287k
Fixed assets
€90k▼ 2.0%
Current assets
€197k▲ 79.4%
Equity and liabilities €287k
Equity
€201k▲ 53.0%
Provisions
€6k▼ 11.6%
Debt
€80k▲ 26.5%
The debt ratio falls from 31.3% to 27.8%. Equity and debt are higher.
Key figures and ratios
Solvency
70.0%▲
2023 · 65.2%
ROE
34.6%▲
2023 · 20.9%
ROA
24.3%▲
2023 · 13.7%
Debt
€80k▲
2023 · €63k
Debt ≤ 1 year
€80k▲
2023 · €56k
Debt > 1 year
€0▼
2023 · €7k
Income taxes
€35k▲
2023 · €22k
Staff costs
€71k▼
2023 · €86k
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€202k€287k▲
Fixed assets21/28€92k€90k▼
Intangible fixed assets21€15k€11k▼
Tangible fixed assets22/27€71k€74k▲
Plant, machinery and equipment23€55k€67k▲
Furniture and vehicles24€17k€7k▼
Financial fixed assets28€5k€5k=
Current assets29/58€110k€197k▲
Amounts receivable within one year40/41€20k€23k▲
Trade receivables40€2k€0▼
Other amounts receivable41€19k€23k▲
Current investments50/53€15k€20k▲
Cash at bank and in hand54/58€44k€116k▲
Deferred charges and accrued income490/1€30k€38k▲
Equity and liabilities
Total equity and liabilities10/49€202k€287k▲
Equity10/15€131k€201k▲
Contributions10/11€19k€19k=
Reserves13€112k€182k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Tax-exempt reserves132€14k€11k▼
Distributable reserves133€99k€171k▲
Provisions and deferred taxes16€7k€6k▼
Deferred taxes168€7k€6k▼
Amounts payable17/49€63k€80k▲
Amounts payable after more than one year17€7k€0▼
Financial debts170/4€7k€0▼
Amounts payable within one year42/48€56k€80k▲
Current portion of amounts payable after more than one year42€10k€23k▲
Trade debts44€3k€7k▲
Suppliers440/4€3k€7k▲
Taxes, remuneration and social security45€43k€49k▲
Taxes450/3€31k€37k▲
Remuneration and social security454/9€12k€12k▼
Accrued charges and deferred income492/3€0-
Income statement
Code20232024
Remuneration, social security and pensions62€86k€71k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€26k€28k▲
Other operating charges640/8€3k€3k▲
Gross operating margin9900€163k€208k▲
Operating profit (loss)9901€48k€105k▲
Financial income75/76B€1k€2k▲
Recurring financial income75€1k€2k▲
Financial charges65/66B€145€3k▲
Recurring financial charges65€145€211▲
Non-recurring financial charges66B-€3k
Profit (loss) for the period before taxes9903€49k€104k▲
Transfer from deferred taxes780€820€820=
Income taxes67/77€22k€35k▲
Profit (loss) for the period9904€28k€70k▲
Transfer from tax-exempt reserves789€3k€3k=
Profit (loss) for the period to be appropriated9905€31k€73k▲
Appropriation of the result
Profit (loss) to be appropriated9906€31k€73k▲
Transfer to equity691/2€31k€73k▲
To other reserves6921€31k€73k▲
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €70k ▲153%
Operating result €105k, net result €70k, both a record.
31-12
Financial
Equity above €200kEq €201k ▲53%
2 profitable years in a row build equity to €201k.
19-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €28k
Net result €28k after 2 loss-making years.
05-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 36 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
14-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €20k
Net result €20k after 2 loss-making years.
31-12
Financial
Equity above €100kEq €119k ▲20.2%
Equity rises from €99k to €119k.
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
2019
31-12
Financial
Weakest financial yearnet €-20k
Net result drops to €-20k, the lowest in the series; recovery starts the following year.
20-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 20 days late
2018
17-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 17 days late
2017
12-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
22-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 22 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Zwevegem · 1 establishment unit since 2005
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.
Theophiel Toyeplein(Z) 28550 ZwevegemGround area
92 m²
Building footprint
323 m²
Volume, LiDAR
2,402 m³
Parcel 34042A0302/00K000, Flanders · tallest building 12.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
HOLVOET N
since 20052.174.143.449
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34042A0302/00K000 | Flanders | 92 m² | 1 · 323 m² | 12.1 m · 3 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
Finance and Solutions
BE 0536.642.206
Ukkel · Eq €201k
Kantoor Hens - De Graef
BE 0472.884.205
Beveren-Kruibeke-Zwijndrecht · Eq €201k
Sablière Consult
BE 0837.563.821
Nivelles · Eq €201k
BEHEERS - EN VERZEKERINGSKANTOOR WELO
BE 0892.955.868
Westerlo · Eq €202k
VS FINANCE
BE 0777.792.817
Nassogne · Eq €201k
Of 1,680 companies in sector 66191 we hold annual accounts for 1,229. 1,109 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-06-2005
Fiscal year end31-12
Activities, NACEBEL
66191Agents and brokers in banking services
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.