Ilse Blommaert 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 €667k and a net result of €192k. Equity is growing by ~17.4% per year across the filed fiscal years. Its solvency ranks better than 53% of 2413 sector peers (fiscal year 2025). The company has been active since 2013 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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
29 d late
2023
28 d late
2022
31 d late
2021
30 d late
2020
30 d late
2019
37 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€667k▼ 17.0%
2024 · €804k
2018: €302k
2019: €357k
2020: €425k
2021: €579k
2022: €642k
2023: €728k
2024: €804k
2018 → 2025
Net result
€192k▼ 4.5%
2024 · €201k
2018: €125k
2019: €125k
2020: €134k
2021: €220k
2022: €122k
2023: €150k
2024: €201k
2018 → 2025
Total assets
€1.23M▲ 4.4%
2024 · €1.18M
2018: €595k
2019: €618k
2020: €1.12M
2021: €1.05M
2022: €1.06M
2023: €1.08M
2024: €1.18M
2018 → 2025
Solvency
54.0%▼ 13.9pp
2024 · 67.9%
2018: 50.7%
2019: 57.8%
2020: 38.1%
2021: 55.1%
2022: 60.4%
2023: 67.5%
2024: 67.9%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€579k-€642k▲ 10.8%€728k▲ 13.3%€804k▲ 10.4%€667k▼ 17.0%
Operating result€311k-€180k▼ 42.3%€224k▲ 24.6%€301k▲ 34.6%€280k▼ 7.1%
Net result€220k-€122k▼ 44.5%€150k▲ 22.6%€201k▲ 34.0%€192k▼ 4.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 7% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.23M
Fixed assets
€709k▼ 2.5%
Current assets
€526k▲ 15.3%
Equity and liabilities €1.23M
Equity
€667k▼ 17.0%
Debt
€568k▲ 49.6%
The debt ratio rises from 32.1% to 46.0%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
54.0%▼
2024 · 67.9%
ROE
28.8%▲
2024 · 25.0%
ROA
15.5%▼
2024 · 17.0%
Debt
€568k▲
2024 · €380k
Debt ≤ 1 year
€459k▲
2024 · €240k
Debt > 1 year
€109k▼
2024 · €140k
Income taxes
€87k▼
2024 · €91k
Staff costs
€128k▲
2024 · €121k
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€1.18M€1.23M▲
Fixed assets21/28€727k€709k▼
Tangible fixed assets22/27€727k€709k▼
Land and buildings22€702k€692k▼
Plant, machinery and equipment23€7k€5k▼
Other tangible fixed assets26€17k€11k▼
Current assets29/58€456k€526k▲
Amounts receivable within one year40/41€134k€135k▲
Trade receivables40€54k€55k▲
Other amounts receivable41€80k€80k=
Current investments50/53€144k€184k▲
Cash at bank and in hand54/58€178k€206k▲
Deferred charges and accrued income490/1-€1k
Equity and liabilities
Total equity and liabilities10/49€1.18M€1.23M▲
Equity10/15€804k€667k▼
Reserves13€803k€667k▼
Distributable reserves133€803k€667k▼
Profit (loss) carried forward14€138€138▲
Amounts payable17/49€380k€568k▲
Amounts payable after more than one year17€140k€109k▼
Financial debts170/4€140k€109k▼
Amounts payable within one year42/48€240k€459k▲
Current portion of amounts payable after more than one year42€32k€31k▼
Trade debts44€27k€23k▼
Suppliers440/4€27k€23k▼
Taxes, remuneration and social security45€56k€75k▲
Taxes450/3€42k€54k▲
Remuneration and social security454/9€14k€22k▲
Other amounts payable47/48€125k€329k▲
Income statement
Code20242025
Remuneration, social security and pensions62€121k€128k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€19k€18k▼
Other operating charges640/8€10k€10k▲
Gross operating margin9900€451k€436k▼
Operating profit (loss)9901€301k€280k▼
Financial income75/76B€2k€6k▲
Recurring financial income75€2k€6k▲
Financial charges65/66B€11k€7k▼
Recurring financial charges65€11k€7k▼
Profit (loss) for the period before taxes9903€292k€279k▼
Income taxes67/77€91k€87k▼
Profit (loss) for the period9904€201k€192k▼
Profit (loss) for the period to be appropriated9905€201k€192k▼
Appropriation of the result
Profit (loss) to be appropriated9906€201k€192k▼
Profit (loss) brought forward from the previous period14P€137€138▲
Transfer from equity791/2€125k€329k▲
Transfer to equity691/2€201k€192k▼
To other reserves6921€201k€192k▼
Profit to be distributed694/7€125k€329k▲
Return on contributions (dividend)694€125k€329k▲
The notes to these accounts (10 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
28-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 28 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Weakest financial yearnet €122k ▼44.5%
Net result drops to €122k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Highest result since 2018net €220k ▲64.4%
Operating result €311k, net result €220k, both a record.
31-12
Financial
Equity above €500kEq €579k ▲36.1%
4 profitable years in a row build equity to €579k.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
24-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
17-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 17 days late
2017
07-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 7 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Grobbendonk · 1 establishment unit since 2013
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.
Astridplein 92280 GrobbendonkGround area
238 m²
Building footprint
203 m²
Volume, LiDAR
1,246 m³
Parcel 13010B0408/00K000, Flanders · tallest building 10.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Astridplein 9, 2280 Grobbendonk
since 20132.217.553.622
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13010B0408/00K000 | Flanders | 238 m² | 1 · 203 m² | 10.9 m · 2 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 · 865 EUR awarded · 865 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 143 EUR | 143 EUR |
| 2024 | 1 | 579 EUR | 579 EUR |
| 2023 | 1 | 89 EUR | 89 EUR |
| 2022 | 1 | 54 EUR | 54 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
9676007ZRVRJEZY8FY58
Similar companies · same sector, comparable size
Agent de banque et d'assurances COEUR DU HAINAUT
BE 0465.013.743
La Louvière · Eq €667k
KANTOOR GILLIS - BUYSSENS
BE 0474.910.812
Moorslede · Eq €665k
Bank- en verzekeringsagent Regio Noord-Antwerpen Noorderkempen
BE 0475.811.328
Wuustwezel · Eq €664k
Fena
BE 0524.724.072
Lievegem · Eq €664k
Claus AssurInvest
BE 0434.970.269
Wavre · Eq €663k
Of 1,681 companies in sector 66191 we hold annual accounts for 1,229. 957 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-01-2013
Fiscal year end31-12
Activities, NACEBEL
66191Agents and brokers in banking services
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.