HOSTI 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 €260k and a net result of €-1k. Equity remains stable across the filed fiscal years (±1.2% per year). Its solvency ranks better than 62% of 5527 sector peers (fiscal year 2025). The company has been active since 1995 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 · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
21 d early
2023
27 d late
2022
29 d late
2021
30 d late
2020
4 d early
2019
34 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€260k▼ 0.5%
2024 · €261k
2018: €281k
2019: €375k
2020: €422k
2021: €188k
2022: €215k
2023: €259k
2024: €261k
2018 → 2025
Net result
€-1k
2024 · €2k
2018: €95k
2019: €94k
2020: €47k
2021: €-234k
2022: €27k
2023: €44k
2024: €2k
2018 → 2025
Total assets
€399k▼ 8.0%
2024 · €434k
2018: €499k
2019: €614k
2020: €657k
2021: €404k
2022: €441k
2023: €461k
2024: €434k
2018 → 2025
Solvency
65.1%▲ 4.9pp
2024 · 60.1%
2018: 56.4%
2019: 61.1%
2020: 64.3%
2021: 46.7%
2022: 48.8%
2023: 56.2%
2024: 60.1%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€188k-€215k▲ 14.1%€259k▲ 20.6%€261k▲ 0.7%€260k▼ 0.5%
Operating result€-52k-€22k€46k▲ 107%€-5k€-10k▼ 112%
Net result€-234k-€27k€44k▲ 66.4%€2k▼ 95.7%€-1k
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €10k in 2025 against €5k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €399k
Fixed assets
€294k▼ 8.0%
Current assets
€106k▼ 8.2%
Equity and liabilities €399k
Equity
€260k▼ 0.5%
Debt
€140k▼ 19.5%
The debt ratio falls from 39.9% to 34.9%. Equity and debt are lower.
Key figures and ratios
Solvency
65.1%▲
2024 · 60.1%
ROE
-0.5%▼
2024 · 0.7%
ROA
-0.3%▼
2024 · 0.4%
Debt
€140k▼
2024 · €173k
Debt ≤ 1 year
€1k▼
2024 · €4k
Debt > 1 year
€125k▼
2024 · €161k
Income taxes
€352▼
2024 · €2k
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€434k€399k▼
Fixed assets21/28€319k€294k▼
Tangible fixed assets22/27€29k€4k▼
Furniture and vehicles24€29k€4k▼
Financial fixed assets28€290k€290k=
Current assets29/58€115k€106k▼
Amounts receivable after more than one year29€100k€62k▼
Other amounts receivable291€100k€62k▼
Amounts receivable within one year40/41€12k€18k▲
Trade receivables40€2k-
Other amounts receivable41€10k€18k▲
Cash at bank and in hand54/58€2k€26k▲
Deferred charges and accrued income490/1€694€170▼
Equity and liabilities
Total equity and liabilities10/49€434k€399k▼
Equity10/15€261k€260k▼
Contributions10/11€25k€25k=
Reserves13€347k€347k=
Distributable reserves133€347k€347k=
Profit (loss) carried forward14€-110k€-112k▼
Amounts payable17/49€173k€140k▼
Amounts payable after more than one year17€161k€125k▼
Other amounts payable178/9€161k€125k▼
Amounts payable within one year42/48€4k€1k▼
Trade debts44€2k€838▼
Suppliers440/4€2k€838▼
Taxes, remuneration and social security45€2k€352▼
Taxes450/3€2k€352▼
Accrued charges and deferred income492/3€8k€13k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€232▼
Other operating charges640/8€868€30k▲
Gross operating margin9900€5k€20k▲
Operating profit (loss)9901€-5k€-10k▼
Financial income75/76B€16k€15k▼
Recurring financial income75€16k€15k▼
Financial charges65/66B€7k€6k▼
Recurring financial charges65€7k€6k▼
Profit (loss) for the period before taxes9903€4k€-897▼
Income taxes67/77€2k€352▼
Profit (loss) for the period9904€2k€-1k▼
Profit (loss) for the period to be appropriated9905€2k€-1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-110k€-112k▼
Profit (loss) brought forward from the previous period14P€-112k€-110k▲
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
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Liquidity triplescurrent ratio 88.95
Current ratio from 28.38 to 88.95; short-term debt falls from €4k to €1k.
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 27 days late
2023
31-12
Financial
Liquidity times 18current ratio 16.74
Current ratio from 0.96 to 16.74; short-term debt falls from €219k to €8k.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 29 days late
2022
31-12
Financial
Back to profitnet €27k
Net result €27k after one loss-making year.
31-12
Financial
Equity above €200kEq €215k ▲14.1%
Equity rises from €188k to €215k.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 30 days late
2021
31-12
Financial
Weakest financial yearnet €-234k ▼592%
Net result drops to €-234k, the lowest in the series; recovery starts the following year.
27-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
03-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 34 days late
2019
26-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 28 days late
2017
14-07
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
11 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, Mont-Saint-Guibert · 1 establishment unit since 1995
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.
Rue de Corbais 281435 Mont-Saint-GuibertGround area
1,863 m²
Building footprint
218 m²
Volume, LiDAR
1,637 m³
2 parcels, Wallonia · tallest building 10.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
HOSTI
since 19952.072.626.813
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25040A0011/00F005 | Wallonia | 1,234 m² | 1 · 103 m² | 8.8 m · 2 fl. |
| 51004A0080/00V061 | Wallonia | 628 m² | 1 · 115 m² | 10.4 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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 19,764. 13,670 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-06-1995
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
74151
Sources
Crossroads Bank for EnterprisesNational Bank · 31 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.