IKAN 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 €139k and a net result of €-40k. Equity is growing by ~41.4% per year across the filed fiscal years. Its solvency ranks better than 27% of 7980 sector peers (fiscal year 2025). The company has been active since 2009 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 30-09-2025 was due by 30-04-2026 and was filed on 09-02-2026, 80 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
80 d early
2024
on the day
2023
15 d early
2022
10 d early
2021
9 d late
2020
10 d late
2019
1 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
16-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€139k▼ 22.4%
2024 · €179k
2018: €31k
2019: €17k
2020: €37k
2021: €88k
2022: €226k
2023: €175k
2024: €179k
2018 → 2025
Net result
€-40k
2024 · €4k
2018: €170
2019: €-13k
2020: €20k
2021: €51k
2022: €138k
2023: €-50k
2024: €4k
2018 → 2025
Total assets
€607k▲ 69.0%
2024 · €359k
2018: €88k
2019: €89k
2020: €93k
2021: €229k
2022: €428k
2023: €341k
2024: €359k
2018 → 2025
Solvency
22.9%▼ 26.9pp
2024 · 49.8%
2018: 34.6%
2019: 19.6%
2020: 39.9%
2021: 38.3%
2022: 52.8%
2023: 51.4%
2024: 49.8%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€88k-€226k▲ 157%€175k▼ 22.3%€179k▲ 2.0%€139k▼ 22.4%
Operating result€80k-€24k▼ 69.3%€-45k€6k€18k▲ 208%
Net result€51k-€138k▲ 171%€-50k€4k€-40k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 208% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €607k
Fixed assets
€9k▲ 24.6%
Current assets
€598k▲ 69.9%
Equity and liabilities €607k
Equity
€139k▼ 22.4%
Debt
€468k▲ 160%
The debt ratio rises from 50.2% to 77.1%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
22.9%▼
2024 · 49.8%
ROE
-28.9%▼
2024 · 2.0%
ROA
-6.6%▼
2024 · 1.0%
Debt
€468k▲
2024 · €180k
Debt ≤ 1 year
€252k▲
2024 · €43k
Debt > 1 year
€216k▲
2024 · €138k
Income taxes
€219▼
2024 · €568
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€359k€607k▲
Fixed assets21/28€7k€9k▲
Intangible fixed assets21-€4k
Tangible fixed assets22/27€7k€5k▼
Furniture and vehicles24€7k€5k▼
Current assets29/58€352k€598k▲
Stocks and contracts in progress3-€31k
Stocks30/36-€31k
Amounts receivable within one year40/41€317k€546k▲
Trade receivables40€299k€526k▲
Other amounts receivable41€18k€20k▲
Cash at bank and in hand54/58€34k€20k▼
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€359k€607k▲
Equity10/15€179k€139k▼
Contributions10/11€12k€12k=
Reserves13€166k€137k▼
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€166k€137k▼
Profit (loss) carried forward14-€-11k
Amounts payable17/49€180k€468k▲
Amounts payable after more than one year17€138k€216k▲
Other amounts payable178/9€138k€216k▲
Amounts payable within one year42/48€43k€252k▲
Trade debts44€32k€247k▲
Suppliers440/4€32k€247k▲
Taxes, remuneration and social security45€0€219▲
Taxes450/3€0€219▲
Other amounts payable47/48€11k€6k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€2k▲
Other operating charges640/8€2k€2k▼
Gross operating margin9900€9k€22k▲
Operating profit (loss)9901€6k€18k▲
Financial income75/76B€3k€18▼
Recurring financial income75€3k€18▼
Financial charges65/66B€5k€58k▲
Recurring financial charges65€5k€58k▲
Profit (loss) for the period before taxes9903€4k€-40k▼
Income taxes67/77€568€219▼
Profit (loss) for the period9904€4k€-40k▼
Profit (loss) for the period to be appropriated9905€4k€-40k▼
Appropriation of the result
Profit (loss) to be appropriated9906€4k€-40k▼
Transfer from equity791/2€0€29k▲
Transfer to equity691/2€4k€0▼
To other reserves6921€4k€0▼
The notes to these accounts (8 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
09-02
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Back to profitnet €4k
Net result €4k after one loss-making year.
15-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-09
Financial
Weakest financial yearnet €-50k ▼137%
Net result drops to €-50k, the lowest in the series; recovery starts the following year.
30-09
Financial
Liquidity triplescurrent ratio 21.68
Current ratio from 8.23 to 21.68; short-term debt falls from €52k to €16k.
20-04
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-09
Financial
Highest result since 2018net €138k ▲171%
Net result €138k, the highest in the series.
30-09
Financial
Liquidity quadruplescurrent ratio 8.23
Current ratio from 2.31 to 8.23; short-term debt falls from €66k to €52k.
30-09
Financial
Equity above €200kEq €226k ▲157%
3 profitable years in a row build equity to €226k.
09-05
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 9 days late
2021
10-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 10 days late
2020
30-09
Financial
Back to profitnet €20k
Net result €20k after one loss-making year.
29-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
28-05
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 28 days late
2018
07-05
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 7 days late
2017
24-05
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 24 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Brugge · 1 establishment unit since 2009
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.
Tijdokstraat 188380 BruggeGround area
1,061 m²
Building footprint
304 m²
Volume, LiDAR
4,618 m³
Parcel 31812P0100/00V017, Flanders · tallest building 18.4 m, ±6 floors. Linked by address, not a title deed.
1 establishment unit
IKAN
since 20092.181.882.663
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31812P0100/00V017 | Flanders | 1,060 m² | 1 · 304 m² | 18.4 m · 6 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 24,726 companies in sector 64210 we hold annual accounts for 19,748. 13,069 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded02-10-2009
Fiscal year end30-09
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.