IDELIAS 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 €333k and a net result of €73k. Equity is growing by ~50.6% per year across the filed fiscal years. Its solvency ranks better than 16% of 1469 sector peers (fiscal year 2025). The company has been active since 2019 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
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 1469 sector peers (2025).
NBB · sector comparisonPosition among 1469 sector peers
Solvency
better than 16%
← weakest
strongest →
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 26-07-2026, 5 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
5 d early
2024
122 d early
2023
23 d late
2022
31 d early
2021
29 d late
2020
18 d early
← 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€333k▲ 28.2%
2024 · €260k
2020: €-275k
2021: €-242k
2022: €-46k
2023: €79k
2024: €260k
2020 → 2025
Net result
€73k▼ 59.5%
2024 · €181k
2020: €-294k
2021: €33k
2022: €196k
2023: €125k
2024: €181k
2020 → 2025
Total assets
€4.42M▲ 28.7%
2024 · €3.44M
2020: €4.46M
2021: €4.78M
2022: €4.30M
2023: €3.89M
2024: €3.44M
2020 → 2025
Solvency
7.5%=
2024 · 7.6%
2020: -6.2%
2021: -5.1%
2022: -1.1%
2023: 2.0%
2024: 7.6%
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-242k-€-46k▲ 81.0%€79k€260k▲ 228%€333k▲ 28.2%
Operating result€128k-€282k▲ 121%€227k▼ 19.3%€303k▲ 33.2%€153k▼ 49.6%
Net result€33k-€196k▲ 487%€125k▼ 36.0%€181k▲ 44.2%€73k▼ 59.5%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 50% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.42M
Fixed assets
€3.54M▲ 18.2%
Current assets
€885k▲ 99.7%
Equity and liabilities €4.42M
Equity
€333k▲ 28.2%
Debt
€4.09M▲ 28.7%
The debt ratio stays at 92.5%.
Key figures and ratios
Solvency
7.5%▼
2024 · 7.6%
ROE
22.0%▼
2024 · 69.5%
ROA
1.7%▼
2024 · 5.3%
Debt
€4.09M▲
2024 · €3.18M
Debt ≤ 1 year
€598k▲
2024 · €512k
Debt > 1 year
€3.49M▲
2024 · €2.67M
Income taxes
€14k▼
2024 · €65k
Staff costs
€488k▲
2024 · €452k
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€3.44M€4.42M▲
Fixed assets21/28€2.99M€3.54M▲
Intangible fixed assets21€1.82M€1.46M▼
Tangible fixed assets22/27€1.17M€2.08M▲
Land and buildings22€488k€1.03M▲
Plant, machinery and equipment23€674k€961k▲
Furniture and vehicles24€10k€86k▲
Current assets29/58€443k€885k▲
Amounts receivable after more than one year29-€633k
Other amounts receivable291-€633k
Amounts receivable within one year40/41€87k€133k▲
Trade receivables40€87k€97k▲
Other amounts receivable41€519€36k▲
Cash at bank and in hand54/58€350k€89k▼
Deferred charges and accrued income490/1€6k€29k▲
Equity and liabilities
Total equity and liabilities10/49€3.44M€4.42M▲
Equity10/15€260k€333k▲
Contributions10/11€19k€19k=
Profit (loss) carried forward14€241k€314k▲
Amounts payable17/49€3.18M€4.09M▲
Amounts payable after more than one year17€2.67M€3.49M▲
Financial debts170/4€2.52M€3.35M▲
Other amounts payable178/9€148k€135k▼
Amounts payable within one year42/48€512k€598k▲
Current portion of amounts payable after more than one year42€412k€499k▲
Trade debts44€51k€48k▼
Suppliers440/4€51k€48k▼
Taxes, remuneration and social security45€49k€51k▲
Taxes450/3€135€2k▲
Remuneration and social security454/9€48k€50k▲
Accrued charges and deferred income492/3€29€3k▲
Income statement
Code20242025
Non-recurring operating income76A-€352
Remuneration, social security and pensions62€452k€488k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€525k€676k▲
Other operating charges640/8€17k€19k▲
Non-recurring operating charges66A€3k-
Gross operating margin9900€1.30M€1.34M▲
Operating profit (loss)9901€303k€153k▼
Financial income75/76B€3k€52▼
Recurring financial income75€3k€52▼
Financial charges65/66B€60k€65k▲
Recurring financial charges65€60k€65k▲
Profit (loss) for the period before taxes9903€246k€87k▼
Income taxes67/77€65k€14k▼
Profit (loss) for the period9904€181k€73k▼
Profit (loss) for the period to be appropriated9905€181k€73k▼
Appropriation of the result
Profit (loss) to be appropriated9906€241k€314k▲
Profit (loss) brought forward from the previous period14P€61k€241k▲
Social balance
Average headcount (FTE)90878.08.9▲
The notes to these accounts (15 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
26-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
20-03
State Gazette act
General meeting · Name change
Purpose change · Capital decrease
2025
31-03
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Equity above €200kEq €260k ▲228%
4 profitable years in a row build equity to €260k.
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 23 days late
2023
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Highest result since 2020net €196k ▲487%
Net result €196k, the highest in the series.
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 29 days late
2021
31-12
Financial
Back to profitnet €33k
Net result €33k after one loss-making year.
13-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
Financial milestoneState Gazette actNBB 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, Mons · 1 establishment unit since 2019
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.
Avenue du Bélian 27000 MonsGround area
895 m²
Building footprint
222 m²
Volume, LiDAR
2,888 m³
Parcel 53053D0106/00K003, Wallonia · tallest building 15.8 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
IDELIAS
since 20192.295.158.273
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53053D0106/00K003 | Wallonia | 895 m² | 1 · 222 m² | 15.8 m · 4 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.
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Of 4,685 companies in sector 66220 we hold annual accounts for 3,230. 2,731 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-09-2019
Fiscal year end31-12
Activities, NACEBEL
66191Agents and brokers in banking services
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.