Justitia
Active Risk: not assessedSummary
Justitia is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The company has been active since 1948 and the Belgian State Gazette contains no insolvency or warning signals. No processed annual-account figures are available; this conclusion rests on registry and State Gazette data only.
Signals
1 signal. 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 17-04-2026, 105 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
105 d early
2024
94 d early
2023
106 d early
2022
102 d early
2021
90 d early
2020
94 d early
2019
50 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · unclassified schema
Annual accounts outside the standard scheme
The National Bank holds 49 filings for this company, the latest for fiscal year 2025. They follow a sector scheme (bank, insurer, association or foreign entity); Checked reads figures only from the full, abbreviated and micro schemes.
Latest 10 of 49 filings
| Fiscal year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | unclassified schema | 17-04-2026 | 2026-00084232 |
| 31-12-2024 | unclassified schema | 28-04-2025 | 2025-00084548 |
| 31-12-2023 | unclassified schema | 16-04-2024 | 2024-00064220 |
| 31-12-2022 | unclassified schema | 20-04-2023 | 2023-00064064 |
| 31-12-2021 | unclassified schema | 02-05-2022 | 2022-20020150 |
| 31-12-2020 | unclassified schema | 28-04-2021 | 2021-11800165 |
| 31-12-2019 | unclassified schema | 11-06-2020 | 2020-16900580 |
| 31-12-2018 | unclassified schema | 11-04-2019 | 2019-09800534 |
| 31-12-2017 | unclassified schema | 02-05-2018 | 2018-11700591 |
| 31-12-2016 | unclassified schema | 02-05-2017 | 2017-11100374 |
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
17-04
NBB filing
Annual accounts filed
fiscal year 2025 · unclassified schema
2025
13-11
State Gazette act
Permanent representatives: Bianca Chang and Alexander StienaersDeed · Commissaris4 facts ▸
State Gazette act
Permanent representatives: Bianca Chang and Alexander Stienaers
Deed · Commissaris4 facts ▸
- Deed, 30-09-2025
- Permanent representative, Bianca Chang
- Permanent representative, Alexander Stienaers
- Commissaris, Deloitte Bedrijfsrevisoren
28-04
NBB filing
Annual accounts filed
fiscal year 2024 · unclassified schema
22-04
State Gazette act
Reappointment: Jean-Claude Debussche (non-executive director and chair)Permanent representative: Bianca Chang · Auditor restatement9 facts ▸
State Gazette act
Reappointment: Jean-Claude Debussche (non-executive director and chair)
Permanent representative: Bianca Chang · Auditor restatement9 facts ▸
- General meeting, 01-04-2025
- Director reappointment, Jean-Claude Debussche (non-executive director and chair)
- Board composition, Jean-Claude Debussche (non-executive director and chair)
- Board composition, Kris Heyman (executive director)
- Board composition, Pedro Matthynssens (non-executive director)
- Board composition, Wouter Reggers (executive director)
- Board composition, Kathleen Van den Eynde (non-executive director)
- Auditor restatement, tot de gewone algemene vergadering van 2026
- Permanent representative, Bianca Chang
2024
31-10
State Gazette act
Permanent representative: Bianca Chang1 fact ▸
State Gazette act
Permanent representative: Bianca Chang
1 fact ▸
- Permanent representative, Bianca Chang
21-05
State Gazette act
Resignation: Marc Leysen (director)Appointments: Kathleen Van den Eynde, Kris Heyman and Wouter Reggers10 facts ▸
State Gazette act
Resignation: Marc Leysen (director)
Appointments: Kathleen Van den Eynde, Kris Heyman and Wouter Reggers10 facts ▸
- General meeting, 02-04-2024
- Director resignation, Marc Leysen (director)
- Director appointment, Kathleen Van den Eynde (non-executive director)
- Board composition, Jean-Claude Debussche (non-executive director and chair)
- Board composition, Kris Heyman (executive director)
- Board composition, Pedro Matthynssens (non-executive director)
- Board composition, Wouter Reggers (executive director)
- Board composition, Kathleen Van den Eynde (non-executive director)
- Director appointment, Kris Heyman (day-to-day manager)
- Director appointment, Wouter Reggers (day-to-day manager)
16-04
NBB filing
Annual accounts filed
fiscal year 2023 · unclassified schema
2023
08-05
State Gazette act
Reappointments: Jean-Claude Debussche, Kris Heyman and 4 othersResignation: Jan Desmet (director) · Appointment: Jean-Claude Debussche (chair of the board) · Permanent representatives: Bianca Chang and Dirk Vlaminckx16 facts ▸
State Gazette act
Reappointments: Jean-Claude Debussche, Kris Heyman and 4 others
Resignation: Jan Desmet (director) · Appointment: Jean-Claude Debussche (chair of the board) · Permanent representatives: Bianca Chang and Dirk Vlaminckx16 facts ▸
- General meeting, 04-04-2023
- Director reappointment, Jean-Claude Debussche (director)
- Director reappointment, Kris Heyman (director)
- Director reappointment, Marc Leysen (director)
- Director reappointment, Pedro Matthynssens (director)
- Director reappointment, Wouter Reggers (director)
- Director resignation, Jan Desmet (director)
- Board composition, Jean-Claude Debussche (director)
- Board composition, Kris Heyman (director)
- Board composition, Marc Leysen (director)
- Board composition, Pedro Matthynssens (director)
- Board composition, Wouter Reggers (director)
- +4 further facts in this act
20-04
NBB filing
Annual accounts filed
fiscal year 2022 · unclassified schema
19-01
State Gazette act
Appointments: Kris Heyman (director) and Jean-Claude Debussche (chair of the board)9 facts ▸
State Gazette act
Appointments: Kris Heyman (director) and Jean-Claude Debussche (chair of the board)
9 facts ▸
- General meeting, 20-12-2022
- Director appointment, Kris Heyman (director)
- Board composition, Jean-Claude Debussche (director)
- Board composition, Jan Desmet (director)
- Board composition, Kris Heyman (director)
- Board composition, Marc Leysen (director)
- Board composition, Pedro Matthynssens (director)
- Board composition, Wouter Reggers (director)
- Director appointment, Jean-Claude Debussche (chair of the board)
05-01
State Gazette act
Statutes amendment2 facts ▸
State Gazette act
Statutes amendment
2 facts ▸
- General meeting, 22-11-2022
- Statutes amendment
2022
02-05
NBB filing
Annual accounts filed
fiscal year 2021 · unclassified schema
Show earlier events
2021
28-04
NBB filing
Annual accounts filed
fiscal year 2020 · unclassified schema
23-04
State Gazette act
Reappointments: Jan Desmet (director) and Mark Leysen (director)Appointment: Jean-Claude Debussche (chair of the board) · Resignation: Unibreda CommV (director) · Permanent representative: Pierre Sureda11 facts ▸
State Gazette act
Reappointments: Jan Desmet (director) and Mark Leysen (director)
Appointment: Jean-Claude Debussche (chair of the board) · Resignation: Unibreda CommV (director) · Permanent representative: Pierre Sureda11 facts ▸
- General meeting, 06-04-2021
- Director reappointment, Jan Desmet (director)
- Director reappointment, Mark Leysen (director)
- Board composition, Jean-Claude Debussche (director)
- Board composition, Jan Desmet (director)
- Board composition, Mark Leysen (director)
- Board composition, Pedro Matthynssens (director)
- Board composition, Wouter Reggers (director)
- Director appointment, Jean-Claude Debussche (chair of the board)
- Director resignation, Unibreda CommV (director)
- Permanent representative, Pierre Sureda
2020
11-08
State Gazette act
Permanent representatives: Dirk Vlaminckx and Bianca Chang2 facts ▸
State Gazette act
Permanent representatives: Dirk Vlaminckx and Bianca Chang
2 facts ▸
- Permanent representative, Dirk Vlaminckx
- Permanent representative, Bianca Chang
19-06
State Gazette act
Appointment: Deloitte Bedrijfsrevisoren (statutory auditor)Permanent representative: Dirk Vlaminckx3 facts ▸
State Gazette act
Appointment: Deloitte Bedrijfsrevisoren (statutory auditor)
Permanent representative: Dirk Vlaminckx3 facts ▸
- General meeting, 28-04-2020
- Auditor appointment, Deloitte Bedrijfsrevisoren (statutory auditor)
- Permanent representative, Dirk Vlaminckx
11-06
NBB filing
Annual accounts filed
fiscal year 2019 · unclassified schema
2019
17-05
State Gazette act
Resignation: Wim Coumans (director and chair)Appointments: Wouter Reggers (director) and Jean-Claude Debussche (chair of the board) · Reappointments: Jean-Claude Debussche, Jan Desmet and 2 others13 facts ▸
State Gazette act
Resignation: Wim Coumans (director and chair)
Appointments: Wouter Reggers (director) and Jean-Claude Debussche (chair of the board) · Reappointments: Jean-Claude Debussche, Jan Desmet and 2 others13 facts ▸
- General meeting, 02-05-2019
- Director resignation, Wim Coumans (director and chair)
- Director appointment, Wouter Reggers (director)
- Director reappointment, Jean-Claude Debussche (director)
- Director reappointment, Jan Desmet (director)
- Director reappointment, Mark Leysen (director)
- Director reappointment, Pedro Matthynssens (director)
- Director appointment, Jean-Claude Debussche (chair of the board)
- Board composition, Jean-Claude Debussche (director)
- Board composition, Jan Desmet (director)
- Board composition, Mark Leysen (director)
- Board composition, Pedro Matthynssens (director)
- +1 further facts in this act
11-04
NBB filing
Annual accounts filed
fiscal year 2018 · unclassified schema
2018
04-09
State Gazette act
Permanent representatives: Luk Roelandt and Frans Simonetti2 facts ▸
State Gazette act
Permanent representatives: Luk Roelandt and Frans Simonetti
2 facts ▸
- Permanent representative, Luk Roelandt
- Permanent representative, Frans Simonetti
02-05
NBB filing
Annual accounts filed
fiscal year 2017 · unclassified schema
2017
03-08
State Gazette act
Resignation: BDO BEDRIJFSREVISOREN (statutory auditor)Permanent representatives: Felix FANK and Luk Roelandt · Appointment: KPMG Bedrijfsrevisoren Burg. CVBA (statutory auditor)5 facts ▸
State Gazette act
Resignation: BDO BEDRIJFSREVISOREN (statutory auditor)
Permanent representatives: Felix FANK and Luk Roelandt · Appointment: KPMG Bedrijfsrevisoren Burg. CVBA (statutory auditor)5 facts ▸
- General meeting, 04-07-2017
- Director resignation, BDO BEDRIJFSREVISOREN (statutory auditor)
- Permanent representative, Felix FANK
- Auditor appointment, KPMG Bedrijfsrevisoren Burg. CVBA (statutory auditor)
- Permanent representative, Luk Roelandt
22-05
State Gazette act
Appointments: Jan Desmet (member of the executive committee) and Marc Leysen (member of the executive committee)4 facts ▸
State Gazette act
Appointments: Jan Desmet (member of the executive committee) and Marc Leysen (member of the executive committee)
4 facts ▸
- Board meeting, 04-05-2017
- Director appointment, Jan Desmet (member of the executive committee)
- Director appointment, Marc Leysen (member of the executive committee)
- Director appointment, Marc Leysen (voorzitter van het directiecomité)
02-05
NBB filing
Annual accounts filed
fiscal year 2016 · unclassified schema
26-04
State Gazette act
Appointment: Jean-Claude Debussche (independent director)7 facts ▸
State Gazette act
Appointment: Jean-Claude Debussche (independent director)
7 facts ▸
- General meeting, 04-04-2017
- Director appointment, Jean-Claude Debussche (independent director)
- Board composition, Wim Coumans (chair)
- Board composition, Jean-Claude Debussche (director)
- Board composition, Jan Desmet (director)
- Board composition, Mark Leysen (director)
- Board composition, Pedro Matthynssens (director)
2016
16-12
State Gazette act
Statutes amendment2 facts ▸
State Gazette act
Statutes amendment
2 facts ▸
- General meeting, 06-12-2016
- Statutes amendment
22-04
State Gazette act
Statutes amendmentPower of attorney6 facts ▸
State Gazette act
Statutes amendment
Power of attorney6 facts ▸
- General meeting, 11-04-2016
- Statutes amendment
- Statutes amendment
- Statutes amendment
- Statutes amendment
- Power of attorney, JUSTITIA
2015
04-11
State Gazette act
MiscellaneousStatutes amendment1 fact ▸
State Gazette act
Miscellaneous
Statutes amendment1 fact ▸
- Statutes amendment
26-06
State Gazette act
Resignation: Walter Van Pottelberge (independent director and chair)Appointment: Wim Coumans (independent director and chair) · Permanent representative: Pierre Sureda9 facts ▸
State Gazette act
Resignation: Walter Van Pottelberge (independent director and chair)
Appointment: Wim Coumans (independent director and chair) · Permanent representative: Pierre Sureda9 facts ▸
- General meeting, 11-06-2015
- Director resignation, Walter Van Pottelberge (independent director and chair)
- Director appointment, Wim Coumans (independent director and chair)
- Board composition, Wim Coumans (chair)
- Board composition, Jan Desmet (director)
- Board composition, Mark Leysen (director)
- Board composition, Pedro Matthynssens (director)
- Board composition, Unibreda NV (director)
- Permanent representative, Pierre Sureda
28-04
State Gazette act
Reappointment: BDO BEDRIJFSREVISOREN (statutory auditor)Permanent representative: ANNICK Luc · Deed4 facts ▸
State Gazette act
Reappointment: BDO BEDRIJFSREVISOREN (statutory auditor)
Permanent representative: ANNICK Luc · Deed4 facts ▸
- General meeting, 07-04-2015
- Deed, 07-04-2015
- Auditor reappointment, BDO BEDRIJFSREVISOREN
- Permanent representative, ANNICK Luc
2013
17-04
State Gazette act
Appointment: Petro MATTHYNSSENS (director)Reappointments: Walter Van Pottelberge, Unibreda Comm.V and 2 others · Permanent representative: Pierre Sureda12 facts ▸
State Gazette act
Appointment: Petro MATTHYNSSENS (director)
Reappointments: Walter Van Pottelberge, Unibreda Comm.V and 2 others · Permanent representative: Pierre Sureda12 facts ▸
- General meeting, 02-04-2013
- Director appointment, Petro MATTHYNSSENS (director)
- Director reappointment, Walter Van Pottelberge (director)
- Director reappointment, Unibreda Comm.V (director)
- Director reappointment, Jan Desmet (director)
- Director reappointment, Mark Leysen (director)
- Permanent representative, Pierre Sureda
- Board composition, Jan Desmet (director)
- Board composition, Mark Leysen (director)
- Board composition, Petro MATTHYNSSENS (director)
- Board composition, Unibreda Comm.V (director)
- Board composition, Walter Van Pottelberge (chair)
2012
23-04
State Gazette act
Reappointment: BDO BEDRIJFSREVISOREN (statutory auditor)Permanent representative: ANNICK Luc3 facts ▸
State Gazette act
Reappointment: BDO BEDRIJFSREVISOREN (statutory auditor)
Permanent representative: ANNICK Luc3 facts ▸
- General meeting, 03-04-2012
- Auditor reappointment, BDO BEDRIJFSREVISOREN
- Permanent representative, ANNICK Luc
2011
26-04
State Gazette act
Reappointments: Walter Van Pottelberge, Jan Desmet and 2 othersPermanent representative: Pierre Sureda6 facts ▸
State Gazette act
Reappointments: Walter Van Pottelberge, Jan Desmet and 2 others
Permanent representative: Pierre Sureda6 facts ▸
- General meeting, 05-04-2011
- Director reappointment, Walter Van Pottelberge (chair)
- Director reappointment, Jan Desmet (director)
- Director reappointment, Mark Leysen (director)
- Director reappointment, Unibreda Comm.V (director)
- Permanent representative, Pierre Sureda
2007
25-05
State Gazette act
Permanent representative: Luc Annick1 fact ▸
State Gazette act
Permanent representative: Luc Annick
1 fact ▸
- Permanent representative, Luc Annick
2004
17-06
State Gazette act
Capital & shares · Statutes amendment · MiscellaneousStatutes amendment · Authorization3 facts ▸
State Gazette act
Capital & shares · Statutes amendment · Miscellaneous
Statutes amendment · Authorization3 facts ▸
- General meeting, 28-06-2004
- Statutes amendment
- Authorization, Machtiging aan de raad van bestuur tot goedkeuring van de tekst van de gecoordineerde statuten
State Gazette actNBB filing
Directors · office · real estate
Directors
8 directors, no change since 2025
Kathleen Van den Eynde
CurrentNon-executive director · since 02-04-2024
Kris Heyman
CurrentDay-to-day manager · since 01-01-2023
Mark Leysen
CurrentDirector · since 06-04-2021
Wouter Reggers
CurrentDay-to-day manager · since 02-05-2019
Jean-Claude Debussche
CurrentNon-executive director and chair · since 04-04-2017
Current
2 other directors
Petro MATTHYNSSENS
Not recently confirmedDirector · since 02-04-2013
Unibreda Comm.V
Not recently confirmedDirector · Legal entity · perm. rep.: Pierre Sureda
01-04-2025
Jean-Claude Debussche: Mandate renewed as Non-executive director and chair
02-04-2024
Kathleen Van den Eynde: Appointed as Non-executive director
02-04-2024
Kris Heyman: Appointed as Day-to-day manager
02-04-2024
Wouter Reggers: Appointed as Day-to-day manager
02-04-2024
LEYSEN Marc: Resigned as Director
Location & real-estate footprint
Registered office, Antwerpen · 1 establishment unit since 1948
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.
Plantin en Moretuslei 3012140 AntwerpenGround area
9,291 m²
Building footprint
2,425 m²
Volume, LiDAR
57,490 m³
Parcel 11006A0326/00F008, Flanders · tallest building 34.5 m, ±9 floors. Linked by address, not a title deed.
1 establishment unit
Plantin en Moretuslei 301, 2140 Antwerpen
since 19482.004.575.670
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11006A0326/00F008 | Flanders | 9,291 m² | 1 · 2,425 m² | 34.5 m · 9 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.
Statutory auditor
1 auditor| Deloitte BedrijfsrevisorenCurrent Auditor | 28-04-2020 → present |
Show 2 earlier auditors
| BDO BEDRIJFSREVISOREN-BDO REVISEURS D'ENTREPRISES Auditor · represented by ANNICK Luc | 03-04-2012 → 01-01-2017 |
| KPMG Bedrijfsrevisoren Burg. CVBA Statutory auditor · represented by Luk Roelandt succeeded by Deloitte Bedrijfsrevisoren in 2020 | 01-01-2017 → 28-04-2020 |
Articles of association
Purpose
De verzekeringsbedrijvigheid, met inbegrip van de medeverzekering en de herverzekering, evenais de kapitalisatie en het beheer van gemeenschappelijke pensioenfondsen. Teneinde het…
Full purpose
De verzekeringsbedrijvigheid, met inbegrip van de medeverzekering en de herverzekering, evenais de kapitalisatie en het beheer van gemeenschappelijke pensioenfondsen. Teneinde het aldus omschreven voorwerp te verwezenlijken, mag de vennootschap sommige risico's bij andere ondernemingen plaatsen als tussenpersoon met of zonder volmacht van deze ondernemingen. De vennootschap mag daarenboven alle roerende en onroerende, financiële, industriële en commerciële handelingen stellen (met inbegrip van het oprichten en deelnemen aan vennootschappen en verenigingen en het inbreng hierin doen) die geheel of gedeeltelijk met het voorwerp van de vennootschap verband houden of de verwezenlijking ervan kunnen vergemakkelijken en/of helpen uitbreiden, en onder meer alle persoonlijke en zakelijke waarborgen geven ten voordele van derden en obligatieleningen uitgeven en voor deze leningen alle waarborgen toestaan. De vennootschap kan voormeld voorwerp realiseren op de wijze en in de voorwaarden die haar het meest geschikt lijken.
Structure & network
Connections & network
28 connected companiesLinked via shared directors
via MATTHYNSSENS Pedro Ludovicus Honoré · Chair of the board
→
Show 24 more companies with a shared director
via MATTHYNSSENS Pedro Ludovicus Honoré · Director
→
via MATTHYNSSENS Pedro Ludovicus Honoré · Director
→
via Jean-Claude Debussche · Administrateur membre du comité de direction
former→
via Jean-Claude Debussche · Director
former→
via Jean-Claude Debussche · Administrateur non exécutif
former→
via Mark Leysen
former→
via Jean-Claude Debussche · Director
former→
via Jean-Claude Debussche · Director
former→
via Jean-Claude Debussche · Director
former→
via Mark Leysen · Director
former→
via Mark Leysen · Director
former→
via Mark Leysen · Chair
former→
via Jean-Claude Debussche · Director
former→
via Jean-Claude Debussche · Director
former→
via Jean-Claude Debussche · Director
former→
via Jean-Claude Debussche · Director and managing director
former→
via MATTHYNSSENS Pedro Ludovicus Honoré · Member of the executive committee
former→
via Jean-Claude Debussche · Director
former→
Shared director
→
Shared director
→
Shared director
→
Shared director
→
Shared director
→
Shared director
→
Ownership & control
1 parent companyControl over this companyparent company per the LEI register1
Antwerpen
controls
JustitiaBE 0404.479.211
Recognitions · licences · registrations
Legal Entity Identifier
529900YF1LSFQNK1JJ05
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The National Bank holds 49 filings for this company, in a sector scheme Checked reads no figures from, so a size comparison is not possible. These companies share only the sector and the region. Of 95 companies in sector 65112 we hold annual accounts for 53. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded23-06-1948
Fiscal year end31-12
Activities, NACEBEL 2025
65112Insurance, reinsurance and pension funding, except compulsory social security
65121Insurance, reinsurance and pension funding, except compulsory social security
Sources
Crossroads Bank for EnterprisesNational Bank · 49 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.