Jo Verbeken 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 €461k and a net result of €63k. Equity is growing by ~10.2% per year across the filed fiscal years. Its solvency ranks better than 94% of 8018 sector peers (fiscal year 2025). The company has been active since 1992 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 18-11-2025, 74 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
74 d early
2024
46 d early
2023
26 d early
2022
50 d early
2021
53 d early
2020
41 d early
2019
64 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 close21-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€461k▼ 2.4%
2024 · €472k
2019: €220k
2020: €249k
2021: €370k
2022: €394k
2023: €423k
2024: €472k
2019 → 2025
Net result
€63k▲ 27.4%
2024 · €49k
2019: €72k
2020: €29k
2021: €121k
2022: €129k
2023: €50k
2024: €49k
2019 → 2025
Total assets
€482k▼ 13.5%
2024 · €557k
2019: €237k
2020: €257k
2021: €453k
2022: €448k
2023: €474k
2024: €557k
2019 → 2025
Solvency
95.6%▲ 10.9pp
2024 · 84.7%
2019: 92.9%
2020: 96.8%
2021: 81.8%
2022: 87.9%
2023: 89.2%
2024: 84.7%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€370k-€394k▲ 6.3%€423k▲ 7.4%€472k▲ 11.7%€461k▼ 2.4%
Operating result€171k-€183k▲ 7.4%€73k▼ 60.2%€65k▼ 10.7%€83k▲ 27.2%
Net result€121k-€129k▲ 6.5%€50k▼ 61.1%€49k▼ 1.8%€63k▲ 27.4%
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 recovers in 2025; 2025 is 27% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €482k
Fixed assets
€95k▼ 7.3%
Current assets
€387k▼ 14.9%
Equity and liabilities €482k
Equity
€461k▼ 2.4%
Debt
€21k▼ 75.3%
The debt ratio falls from 15.3% to 4.4%. Equity and debt are lower.
Key figures and ratios
Solvency
95.6%▲
2024 · 84.7%
ROE
13.7%▲
2024 · 10.5%
ROA
13.1%▲
2024 · 8.9%
Debt
€21k▼
2024 · €85k
Debt ≤ 1 year
€18k▼
2024 · €82k
Income taxes
€24k▲
2024 · €19k
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€557k€482k▼
Fixed assets21/28€102k€95k▼
Tangible fixed assets22/27€22k€15k▼
Furniture and vehicles24€22k€15k▼
Financial fixed assets28€80k€80k=
Current assets29/58€455k€387k▼
Amounts receivable within one year40/41€36k€11k▼
Trade receivables40€20k€0▼
Other amounts receivable41€16k€11k▼
Current investments50/53€246k€332k▲
Cash at bank and in hand54/58€173k€43k▼
Deferred charges and accrued income490/1€743€622▼
Equity and liabilities
Total equity and liabilities10/49€557k€482k▼
Equity10/15€472k€461k▼
Contributions10/11€19k€19k=
Reserves13€453k€442k▼
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€453k€442k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€85k€21k▼
Amounts payable within one year42/48€82k€18k▼
Trade debts44€302€674▲
Suppliers440/4€302€674▲
Taxes, remuneration and social security45€12k€13k▲
Taxes450/3€12k€13k▲
Other amounts payable47/48€69k€4k▼
Accrued charges and deferred income492/3€4k€3k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€17k▲
Other operating charges640/8€935€991▲
Gross operating margin9900€82k€101k▲
Operating profit (loss)9901€65k€83k▲
Financial income75/76B€7k€8k▲
Recurring financial income75€7k€8k▲
Financial charges65/66B€4k€4k▼
Recurring financial charges65€4k€4k▼
Profit (loss) for the period before taxes9903€68k€87k▲
Income taxes67/77€19k€24k▲
Profit (loss) for the period9904€49k€63k▲
Profit (loss) for the period to be appropriated9905€49k€63k▲
Appropriation of the result
Profit (loss) to be appropriated9906€49k€63k▲
Transfer from equity791/2€0€74k▲
Transfer to equity691/2€49k€63k▲
To other reserves6921€49k€63k▲
Profit to be distributed694/7€0€74k▲
Return on contributions (dividend)694€0€74k▲
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
2025
18-11
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Liquidity quadruplescurrent ratio 21.94
Current ratio from 5.58 to 21.94; short-term debt falls from €82k to €18k.
2024
16-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
05-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
12-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
30-06
Financial
Highest result since 2019net €129k ▲6.5%
Operating result €183k, net result €129k, both a record.
2021
09-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
21-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
30-06
Financial
Weakest financial yearnet €29k ▼60.2%
Net result drops to €29k, the lowest in the series; recovery starts the following year.
30-06
Financial
Liquidity doublescurrent ratio 31.37
Current ratio from 14.04 to 31.37; short-term debt falls from €17k to €8k.
2019
28-11
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
22-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
07-12
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
02-12
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
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, Aalst · 1 establishment unit since 1993
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.
Walburgaweg 99310 AalstGround area
985 m²
Building footprint
159 m²
Volume, LiDAR
762 m³
Parcel 41039A0518/00D000, Flanders · tallest building 7.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Walburgaweg 9, 9310 Aalst
since 19932.061.335.914
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41039A0518/00D000 | Flanders | 985 m² | 1 · 159 m² | 7.4 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.
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 13,661 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-12-1992
Fiscal year end30-06
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 32 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.