JCA2M 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 €178.43M and a net result of €11.37M. Equity remains stable across the filed fiscal years (±0.8% per year). Its solvency ranks better than 82% of 5507 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
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 30-06-2025 was due by 31-01-2026 and was filed on 30-01-2026, 1 day ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
1 d early
2024
1 d early
2023
5 d early
2022
4 d early
2021
20 d early
2020
3 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close18-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€178.43M▼ 4.6%
2024 · €187.06M
2020: €171.69M
2021: €171.62M
2022: €171.76M
2023: €171.98M
2024: €187.06M
2020 → 2025
Net result
€11.37M▼ 24.6%
2024 · €15.08M
2020: €46k
2021: €-73k
2022: €142k
2023: €225k
2024: €15.08M
2020 → 2025
Total assets
€204.99M▲ 1.2%
2024 · €202.56M
2020: €174.72M
2021: €179.22M
2022: €181.46M
2023: €182.27M
2024: €202.56M
2020 → 2025
Solvency
87.0%▼ 5.3pp
2024 · 92.3%
2020: 98.3%
2021: 95.8%
2022: 94.7%
2023: 94.4%
2024: 92.3%
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€171.62M-€171.76M▲ 0.1%€171.98M▲ 0.1%€187.06M▲ 8.8%€178.43M▼ 4.6%
Operating result€-7k-€41k€161k▲ 291%€179k▲ 11.0%€209k▲ 16.6%
Net result€-73k-€142k€225k▲ 57.7%€15.08M▲ 6,617%€11.37M▼ 24.6%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 17% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €204.99M
Fixed assets
€185.77M▲ 1.0%
Current assets
€19.22M▲ 3.2%
Equity and liabilities €204.99M
Equity
€178.43M▼ 4.6%
Debt
€26.56M▲ 71.4%
The debt ratio rises from 7.7% to 13.0%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
87.0%▼
2024 · 92.3%
ROE
6.4%▼
2024 · 8.1%
ROA
5.5%▼
2024 · 7.4%
Debt
€26.56M▲
2024 · €15.50M
Debt ≤ 1 year
€20.61M▲
2024 · €9.54M
Debt > 1 year
€5.91M=
2024 · €5.91M
Income taxes
€344▲
2024 · €301
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€202.56M€204.99M▲
Fixed assets21/28€183.93M€185.77M▲
Tangible fixed assets22/27€1.10M€1.89M▲
Furniture and vehicles24€1.10M€1.89M▲
Financial fixed assets28€182.82M€183.88M▲
Current assets29/58€18.63M€19.22M▲
Amounts receivable after more than one year29€3.93M€5.50M▲
Other amounts receivable291€3.93M€5.50M▲
Amounts receivable within one year40/41€632k€1.61M▲
Trade receivables40€334k€557k▲
Other amounts receivable41€298k€1.05M▲
Current investments50/53€10.90M€11.25M▲
Cash at bank and in hand54/58€3.16M€866k▼
Deferred charges and accrued income490/1€12k€0▼
Equity and liabilities
Total equity and liabilities10/49€202.56M€204.99M▲
Equity10/15€187.06M€178.43M▼
Contributions10/11€171.64M€154.00M▼
Reserves13€225k€225k=
Distributable reserves133€225k€225k=
Profit (loss) carried forward14€15.19M€24.20M▲
Amounts payable17/49€15.50M€26.56M▲
Amounts payable after more than one year17€5.91M€5.91M=
Financial debts170/4€5.91M€5.91M=
Amounts payable within one year42/48€9.54M€20.61M▲
Financial debts43€9.51M€10.55M▲
Other loans439€9.51M€10.55M▲
Trade debts44€10k€26k▲
Suppliers440/4€10k€26k▲
Taxes, remuneration and social security45€19k€37k▲
Taxes450/3€19k€37k▲
Other amounts payable47/48-€9.99M
Accrued charges and deferred income492/3€44k€44k▲
Income statement
Code20242025
Other operating charges640/8€2k€2k▲
Gross operating margin9900€181k€211k▲
Operating profit (loss)9901€179k€209k▲
Financial income75/76B€15.45M€11.57M▼
Recurring financial income75€15.45M€11.57M▼
Financial charges65/66B€549k€412k▼
Recurring financial charges65€549k€412k▼
Profit (loss) for the period before taxes9903€15.08M€11.37M▼
Income taxes67/77€301€344▲
Profit (loss) for the period9904€15.08M€11.37M▼
Profit (loss) for the period to be appropriated9905€15.08M€11.37M▼
Appropriation of the result
Profit (loss) to be appropriated9906€15.19M€26.56M▲
Profit (loss) brought forward from the previous period14P€115k€15.19M▲
Profit to be distributed694/7-€2.36M
Return on contributions (dividend)694-€2.36M
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
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-06
Financial
Highest result since 2020net €15.08M ▲6617%
Net result €15.08M, the highest in the series.
30-06
Financial
Liquidity doublescurrent ratio 1.95
Current ratio from 0.81 to 1.95; short-term debt falls from €10.29M to €9.54M.
26-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Back to profitnet €142k
Net result €142k after one loss-making year.
11-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Weakest financial yearnet €-73k ▼261%
Net result drops to €-73k, the lowest in the series; recovery starts the following year.
28-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
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, Knokke-Heist · 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.
Astridlaan 148300 Knokke-HeistGround area
2,595 m²
Building footprint
424 m²
Volume, LiDAR
3,130 m³
Parcel 31332E1092/00E004, Flanders · tallest building 10.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JCA2M
since 20192.299.188.129
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31332E1092/00E004 | Flanders | 2,595 m² | 1 · 424 m² | 10.4 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.
Recognitions · licences · registrations
Legal Entity Identifier
254900Y69TZNZZPGRV61
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,754. 1,260 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-12-2019
Fiscal year end30-06
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
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.