INTERACTION 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 €178k and a net result of €26k. Equity is growing by ~3.6% per year across the filed fiscal years. Its solvency ranks better than 33% of 5498 sector peers (fiscal year 2025). The company has been active since 1994 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 15-07-2026, 16 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
16 d early
2024
20 d early
2023
28 d early
2022
55 d early
2021
61 d early
2020
18 d early
2019
16 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
€178k▲ 17.4%
2024 · €152k
2018: €123k
2019: €127k
2020: €131k
2021: €130k
2022: €132k
2023: €141k
2024: €152k
2018 → 2025
Net result
€26k▲ 144%
2024 · €11k
2018: €1k
2019: €4k
2020: €4k
2021: €-1k
2022: €2k
2023: €9k
2024: €11k
2018 → 2025
Total assets
€536k▼ 12.1%
2024 · €610k
2018: €927k
2019: €852k
2020: €994k
2021: €601k
2022: €538k
2023: €589k
2024: €610k
2018 → 2025
Solvency
33.3%▲ 8.4pp
2024 · 24.9%
2018: 13.2%
2019: 14.9%
2020: 13.2%
2021: 21.6%
2022: 24.6%
2023: 23.9%
2024: 24.9%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€130k-€132k▲ 1.8%€141k▲ 6.7%€152k▲ 7.7%€178k▲ 17.4%
Operating result€11k-€27k▲ 147%€24k▼ 12.5%€32k▲ 34.1%€35k▲ 12.1%
Net result€-1k-€2k€9k▲ 268%€11k▲ 22.9%€26k▲ 144%
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 12% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €536k
Fixed assets
€472k▼ 1.5%
Current assets
€64k▼ 51.0%
Equity and liabilities €536k
Equity
€178k▲ 17.4%
Debt
€358k▼ 21.9%
The debt ratio falls from 75.1% to 66.7%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
33.3%▲
2024 · 24.9%
ROE
14.8%▲
2024 · 7.1%
ROA
4.9%▲
2024 · 1.8%
Debt
€358k▼
2024 · €458k
Debt ≤ 1 year
€234k▼
2024 · €296k
Debt > 1 year
€123k▼
2024 · €162k
Income taxes
€18k▼
2024 · €32k
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€610k€536k▼
Fixed assets21/28€479k€472k▼
Tangible fixed assets22/27€472k€464k▼
Land and buildings22€114k€107k▼
Plant, machinery and equipment23€17k€12k▼
Furniture and vehicles24€8k€13k▲
Other tangible fixed assets26€332k€332k=
Financial fixed assets28€7k€7k=
Current assets29/58€131k€64k▼
Amounts receivable within one year40/41€60k€60k▼
Trade receivables40€60k€60k▼
Cash at bank and in hand54/58€4k€464▼
Deferred charges and accrued income490/1€67k€4k▼
Equity and liabilities
Total equity and liabilities10/49€610k€536k▼
Equity10/15€152k€178k▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€90k€116k▲
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Distributable reserves133€84k€110k▲
Amounts payable17/49€458k€358k▼
Amounts payable after more than one year17€162k€123k▼
Financial debts170/4€162k€123k▼
Amounts payable within one year42/48€296k€234k▼
Current portion of amounts payable after more than one year42€81k€75k▼
Financial debts43€24k€10k▼
Credit institutions430/8€24k€10k▼
Trade debts44€23k€10k▼
Suppliers440/4€23k€10k▼
Taxes, remuneration and social security45€33k€25k▼
Taxes450/3€33k€25k▼
Other amounts payable47/48€135k€114k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€20k▲
Other operating charges640/8€3k€14k▲
Gross operating margin9900€50k€70k▲
Operating profit (loss)9901€32k€35k▲
Financial income75/76B€22k€19k▼
Recurring financial income75€2€19k▲
Non-recurring financial income76B€22k€0▼
Financial charges65/66B€11k€10k▼
Recurring financial charges65€11k€10k▼
Profit (loss) for the period before taxes9903€42k€44k▲
Income taxes67/77€32k€18k▼
Profit (loss) for the period9904€11k€26k▲
Profit (loss) for the period to be appropriated9905€11k€26k▲
Appropriation of the result
Profit (loss) to be appropriated9906€11k€26k▲
Transfer from equity791/2€11k€0▼
Transfer to equity691/2€22k€26k▲
To other reserves6921€22k€26k▲
The notes to these accounts (14 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
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €26k ▲144%
Operating result €35k, net result €26k, both a record.
11-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €150kEq €152k ▲7.7%
3 profitable years in a row build equity to €152k.
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
06-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
31-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-1k ▼129%
Net result drops to €-1k, the lowest in the series; recovery starts the following year.
13-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
15-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
23-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
24-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
20-07
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
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, Diest · 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.
Diesterestraat 983294 DiestGround area
3,395 m²
Building footprint
305 m²
Volume, LiDAR
1,787 m³
Parcel 24073H0038/00R000, Flanders · tallest building 11.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Diesterestraat 98, 3294 Diest
since 19952.070.136.188
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24073H0038/00R000 | Flanders | 3,395 m² | 1 · 305 m² | 11.0 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.
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,754. 13,486 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded01-12-1994
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 31 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.