Ides Ramboer 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 €7.03M and a net result of €274k. Equity is growing by ~3.5% per year across the filed fiscal years. Its solvency ranks better than 81% of 490 sector peers (fiscal year 2025). The company has been active since 1979 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 · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
6 d early
2023
30 d late
2022
31 d late
2021
31 d late
2020
1 d early
2019
76 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, full schema
Equity
€7.03M▲ 3.9%
2024 · €6.76M
2018: €5.65M
2019: €5.74M
2020: €5.82M
2021: €6.00M
2022: €6.23M
2023: €6.46M
2024: €6.76M
2018 → 2025
Net result
€274k▼ 11.0%
2024 · €307k
2018: €102k
2019: €98k
2020: €88k
2021: €191k
2022: €236k
2023: €237k
2024: €307k
2018 → 2025
Total assets
€9.13M▲ 2.8%
2024 · €8.88M
2018: €7.35M
2019: €7.87M
2020: €7.93M
2021: €8.07M
2022: €7.92M
2023: €8.18M
2024: €8.88M
2018 → 2025
Solvency
77.0%▲ 0.8pp
2024 · 76.2%
2018: 76.8%
2019: 72.9%
2020: 73.4%
2021: 74.4%
2022: 78.7%
2023: 79.0%
2024: 76.2%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€6.00M-€6.23M▲ 3.8%€6.46M▲ 3.7%€6.76M▲ 4.7%€7.03M▲ 3.9%
Operating result€184k-€159k▼ 13.7%€82k▼ 48.2%€109k▲ 32.0%€41k▼ 62.3%
Net result€191k-€236k▲ 23.5%€237k▲ 0.2%€307k▲ 30.0%€274k▼ 11.0%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 62% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €9.13M
Fixed assets
€6.08M▼ 1.5%
Current assets
€3.05M▲ 12.6%
Equity and liabilities €9.13M
Equity
€7.03M▲ 3.9%
Provisions
€112k▼ 2.4%
Debt
€1.99M▼ 0.7%
The debt ratio falls from 22.5% to 21.8%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
77.0%▲
2024 · 76.2%
ROE
3.9%▼
2024 · 4.5%
ROA
3.0%▼
2024 · 3.5%
Debt
€1.99M▼
2024 · €2.00M
Debt ≤ 1 year
€1.92M▼
2024 · €1.94M
Income taxes
€-19k▼
2024 · €89k
Staff costs
€981k▲
2024 · €815k
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€8.88M€9.13M▲
Fixed assets21/28€6.17M€6.08M▼
Tangible fixed assets22/27€2.69M€2.59M▼
Land and buildings22€2.62M€2.45M▼
Plant, machinery and equipment23€22k€14k▼
Furniture and vehicles24€46k€128k▲
Financial fixed assets28€3.48M€3.48M=
Current assets29/58€2.71M€3.05M▲
Amounts receivable within one year40/41€661k€301k▼
Trade receivables40€436k€20k▼
Other amounts receivable41€225k€280k▲
Current investments50/53€1.03M€1.03M=
Cash at bank and in hand54/58€1.01M€1.71M▲
Deferred charges and accrued income490/1€6k€6k▲
Equity and liabilities
Total equity and liabilities10/49€8.88M€9.13M▲
Equity10/15€6.76M€7.03M▲
Contributions10/11€1.69M€1.69M=
Outside capital11€1.69M€1.69M=
Other1109/19€1.69M€1.69M=
Reserves13€3.13M€3.13M=
Tax-exempt reserves132€18k€18k=
Distributable reserves133€3.11M€3.11M=
Profit (loss) carried forward14€1.66M€1.94M▲
Investment grants15€273k€266k▼
Provisions and deferred taxes16€115k€112k▼
Deferred taxes168€115k€112k▼
Amounts payable17/49€2.00M€1.99M▼
Amounts payable within one year42/48€1.94M€1.92M▼
Trade debts44€966k€925k▼
Suppliers440/4€44k€13k▼
Bills of exchange payable441€922k€912k▼
Taxes, remuneration and social security45€163k€155k▼
Taxes450/3€73k€48k▼
Remuneration and social security454/9€89k€107k▲
Other amounts payable47/48€806k€840k▲
Accrued charges and deferred income492/3€65k€66k▲
Income statement
Code20242025
Remuneration, social security and pensions62€815k€981k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€203k€218k▲
Other operating charges640/8€19k€20k▲
Gross operating margin9900€1.15M€1.26M▲
Operating profit (loss)9901€109k€41k▼
Financial income75/76B€348k€268k▼
Recurring financial income75€348k€268k▼
Financial charges65/66B€64k€57k▼
Recurring financial charges65€64k€57k▼
Profit (loss) for the period before taxes9903€394k€252k▼
Transfer from deferred taxes780€3k€3k=
Income taxes67/77€89k€-19k▼
Profit (loss) for the period9904€307k€274k▼
Profit (loss) for the period to be appropriated9905€307k€274k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1.97M€1.94M▼
Profit (loss) brought forward from the previous period14P€1.66M€1.66M=
Transfer from equity791/2-€544k
Transfer to equity691/2€307k€544k▲
To other reserves6921€307k€544k▲
Social balance
Average headcount (FTE)90879.09.9▲
The notes to these accounts (18 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €307k ▲30%
Net result €307k, the highest in the series.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 30 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Weakest financial yearnet €88k ▼10.3%
Net result drops to €88k, the lowest in the series; recovery starts the following year.
15-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 76 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 30 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 31 days late
2017
21-06
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
12 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, Lichtervelde · 1 establishment unit since 1979
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.
Statiestraat 1128810 LichterveldeGround area
195 m²
Building footprint
102 m²
Volume, LiDAR
1,185 m³
Parcel 36011F0580/00E006, Flanders · tallest building 14.7 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Statiestraat 112, 8810 Lichtervelde
since 19792.015.744.429
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36011F0580/00E006 | Flanders | 195 m² | 1 · 102 m² | 14.7 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 4,869 EUR awarded · 4,956 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 671 EUR | 671 EUR |
| 2024 | 1 | 821 EUR | 870 EUR |
| 2023 | 1 | 884 EUR | 922 EUR |
| 2022 | 1 | 2,493 EUR | 2,493 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 4,683 companies in sector 66220 we hold annual accounts for 3,228. 594 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded01-01-1979
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
67201
Sources
Crossroads Bank for EnterprisesNational Bank · 47 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.