JWN 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 €2.73M and a net result of €53k. Equity remains stable across the filed fiscal years (±2.1% per year). Its solvency ranks better than 95% of 7980 sector peers (fiscal year 2025). The company has been active since 2006 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 31-03-2025 was due by 31-10-2025 and was filed on 30-10-2025, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
1 d early
2023
on the day
2022
10 d late
2021
4 d late
2020
26 d late
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close16-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€2.73M▲ 1.4%
2024 · €2.69M
2019: €1.40M
2020: €2.49M
2021: €2.55M
2022: €2.57M
2023: €2.63M
2024: €2.69M
2019 → 2025
Net result
€53k▼ 12.3%
2024 · €60k
2019: €3k
2020: €1.09M
2021: €60k
2022: €23k
2023: €62k
2024: €60k
2019 → 2025
Total assets
€2.75M▲ 1.7%
2024 · €2.71M
2019: €2.11M
2020: €3.12M
2021: €3.11M
2022: €2.90M
2023: €2.65M
2024: €2.71M
2019 → 2025
Solvency
99.2%▼ 0.3pp
2024 · 99.5%
2019: 66.3%
2020: 79.8%
2021: 81.8%
2022: 88.5%
2023: 99.4%
2024: 99.5%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2.55M-€2.57M▲ 0.9%€2.63M▲ 2.4%€2.69M▲ 2.3%€2.73M▲ 1.4%
Operating result€103k-€53k▼ 48.6%€99k▲ 86.7%€80k▼ 19.0%€60k▼ 24.3%
Net result€60k-€23k▼ 62.2%€62k▲ 171%€60k▼ 3.0%€53k▼ 12.3%
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 fallen two years in a row; 2025 is 24% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.75M
Fixed assets
€1.49M▼ 3.4%
Current assets
€1.26M▲ 8.6%
Equity and liabilities €2.75M
Equity
€2.73M▲ 1.4%
Debt
€23k▲ 65.9%
The debt ratio rises from 0.5% to 0.8%. Equity and debt are higher.
Key figures and ratios
Solvency
99.2%▼
2024 · 99.5%
ROE
1.9%▼
2024 · 2.2%
ROA
1.9%▼
2024 · 2.2%
Debt
€23k▲
2024 · €14k
Debt ≤ 1 year
€23k▲
2024 · €14k
Income taxes
€18k▼
2024 · €29k
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€2.71M€2.75M▲
Fixed assets21/28€1.55M€1.49M▼
Tangible fixed assets22/27€119k€66k▼
Land and buildings22€119k€66k▼
Financial fixed assets28€1.43M€1.43M=
Current assets29/58€1.16M€1.26M▲
Amounts receivable within one year40/41€1.15M€1.25M▲
Other amounts receivable41€1.15M€1.25M▲
Cash at bank and in hand54/58€7k€4k▼
Deferred charges and accrued income490/1€632€508▼
Equity and liabilities
Total equity and liabilities10/49€2.71M€2.75M▲
Equity10/15€2.69M€2.73M▲
Contributions10/11€1.20M€1.20M=
Outside capital11€1.20M€1.20M=
Other1109/19€1.20M€1.20M=
Reserves13€1.39M€1.43M▲
Distributable reserves133€1.39M€1.43M▲
Profit (loss) carried forward14€99k€99k=
Amounts payable17/49€14k€23k▲
Amounts payable within one year42/48€14k€23k▲
Trade debts44-€145
Suppliers440/4-€145
Taxes, remuneration and social security45€14k€8k▼
Taxes450/3€14k€8k▼
Other amounts payable47/48-€15k
Accrued charges and deferred income492/3€240€250▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€53k€53k=
Other operating charges640/8€18k€18k▲
Gross operating margin9900€151k€132k▼
Operating profit (loss)9901€80k€60k▼
Financial income75/76B€9k€10k▲
Recurring financial income75€9k€10k▲
Financial charges65/66B€24€24=
Recurring financial charges65€24€24=
Profit (loss) for the period before taxes9903€89k€70k▼
Income taxes67/77€29k€18k▼
Profit (loss) for the period9904€60k€53k▼
Profit (loss) for the period to be appropriated9905€60k€53k▼
Appropriation of the result
Profit (loss) to be appropriated9906€159k€151k▼
Profit (loss) brought forward from the previous period14P€99k€99k=
Transfer to equity691/2€60k€38k▼
To other reserves6921€60k€38k▼
Profit to be distributed694/7-€15k
Directors or managers695-€15k
The notes to these accounts (5 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
30-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
30-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-03
Financial
Liquidity times 36current ratio 143.57
Current ratio from 4.00 to 143.57; short-term debt falls from €312k to €7k.
2022
10-11
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 10 days late
2021
04-11
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 4 days late
2020
26-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
31-03
Financial
Highest result since 2019net €1.09M ▲33528%
Net result €1.09M, the highest in the series.
31-03
Financial
Liquidity times 5current ratio 2.26
Current ratio from 0.44 to 2.26; short-term debt falls from €667k to €600k.
31-03
Financial
Equity above €2MEq €2.49M ▲78%
2 profitable years in a row build equity to €2.49M.
2019
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
13-11
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 13 days late
2017
31-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
23-09
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, Temse · 1 establishment unit since 2006
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.
Beekstraat 109140 TemseGround area
758 m²
Building footprint
139 m²
Volume, LiDAR
645 m³
Parcel 46302D1565/00F002, Flanders · tallest building 10.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
JWN
since 20062.169.640.768
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46302D1565/00F002 | Flanders | 758 m² | 1 · 139 m² | 10.6 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
894500WY7ARE5P2VTB70
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Of 24,726 companies in sector 64210 we hold annual accounts for 19,748. 9,962 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-07-2006
Fiscal year end31-03
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70100Activities of head offices
Sources
Crossroads Bank for EnterprisesNational Bank · 18 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.