Kanero 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 €124k and a net result of €33k. Equity is growing by ~28.5% per year across the filed fiscal years. Its solvency ranks better than 93% of 2430 sector peers (fiscal year 2025). The company has been active since 2010 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 07-01-2026, 24 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
24 d early
2024
28 d early
2023
29 d early
2022
28 d early
2021
10 d early
2020
23 d early
2019
25 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 close22-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€124k▲ 36.5%
2024 · €91k
2019: €7k
2021: €40k
2022: €55k
2023: €63k
2024: €91k
2019 → 2025
Net result
€33k▲ 18.4%
2024 · €28k
2019: €-11k
2021: €20k
2022: €15k
2023: €7k
2024: €28k
2019 → 2025
Total assets
€131k▲ 25.8%
2024 · €105k
2019: €25k
2021: €59k
2022: €70k
2023: €72k
2024: €105k
2019 → 2025
Solvency
94.1%▲ 7.4pp
2024 · 86.7%
2019: 28.2%
2021: 68.7%
2022: 79.6%
2023: 87.4%
2024: 86.7%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€40k-€55k▲ 37.8%€63k▲ 13.2%€91k▲ 44.6%€124k▲ 36.5%
Operating result€31k-€25k▼ 20.2%€14k▼ 43.3%€42k▲ 201%€49k▲ 17.6%
Net result€20k-€15k▼ 22.8%€7k▼ 52.0%€28k▲ 283%€33k▲ 18.4%
Turnover and EBIT margin not published: the 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 18% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €131k
Fixed assets
€38k▲ 66.2%
Current assets
€93k▲ 14.3%
Equity and liabilities €131k
Equity
€124k▲ 36.5%
Debt
€8k▼ 43.9%
The debt ratio falls from 13.3% to 5.9%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
94.1%▲
2024 · 86.7%
ROE
26.7%▼
2024 · 30.8%
ROA
25.2%▼
2024 · 26.7%
Debt
€8k▼
2024 · €14k
Debt ≤ 1 year
€8k▼
2024 · €14k
Income taxes
€16k▲
2024 · €13k
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€105k€131k▲
Fixed assets21/28€23k€38k▲
Tangible fixed assets22/27€23k€38k▲
Plant, machinery and equipment23€11k€13k▲
Furniture and vehicles24€6k€10k▲
Other tangible fixed assets26€6k€15k▲
Current assets29/58€81k€93k▲
Amounts receivable within one year40/41€35k€43k▲
Trade receivables40€35k€43k▲
Cash at bank and in hand54/58€44k€47k▲
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€105k€131k▲
Equity10/15€91k€124k▲
Contributions10/11€19k€19k=
Reserves13€72k€105k▲
Distributable reserves133€72k€105k▲
Profit (loss) carried forward14€68€68=
Amounts payable17/49€14k€8k▼
Amounts payable within one year42/48€14k€8k▼
Trade debts44€2k€3k▲
Suppliers440/4€2k€3k▲
Taxes, remuneration and social security45€8k€5k▼
Taxes450/3€3k€735▼
Remuneration and social security454/9€4k€5k▲
Other amounts payable47/48€4k€6▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€13k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€51k€65k▲
Operating profit (loss)9901€42k€49k▲
Financial charges65/66B€687€633▼
Recurring financial charges65€687€633▼
Profit (loss) for the period before taxes9903€41k€49k▲
Income taxes67/77€13k€16k▲
Profit (loss) for the period9904€28k€33k▲
Profit (loss) for the period to be appropriated9905€28k€33k▲
Appropriation of the result
Profit (loss) to be appropriated9906€28k€33k▲
Profit (loss) brought forward from the previous period14P€68€68=
Transfer to equity691/2€28k€33k▲
To the legal reserve6920-€33k
To other reserves6921€28k-
The notes to these accounts (7 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
07-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Highest result since 2019net €33k ▲18.4%
Operating result €49k, net result €33k, both a record.
30-06
Financial
Liquidity doublescurrent ratio 11.90
Current ratio from 5.84 to 11.90; short-term debt falls from €14k to €8k.
30-06
Financial
Equity above €100kEq €124k ▲36.5%
5 profitable years in a row build equity to €124k.
03-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
02-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
03-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
21-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Back to profitnet €20k
Net result €20k after one loss-making year.
30-06
Financial
Liquidity triplescurrent ratio 1.82
Current ratio from 0.70 to 1.82.
08-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
06-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
08-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
03-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
28-06
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Oud-Heverlee · 1 establishment unit since 2010
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.
Dalemstraat 73053 Oud-HeverleeGround area
789 m²
Building footprint
172 m²
Volume, LiDAR
1,046 m³
Parcel 24034C0303/00B000, Flanders · tallest building 9.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Dalemstraat 7, 3053 Oud-Heverlee
since 20102.194.281.540
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24034C0303/00B000 | Flanders | 789 m² | 1 · 172 m² | 9.7 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.
Similar companies · same sector, comparable size
YesFin
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ZAKENKANTOOR DE COSTER
BE 0808.537.164
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COVERRISK
BE 0793.668.648
Gent · Eq €124k
DOUR DEPOTS
BE 0438.812.558
Dour · Eq €124k
FITRAMA VERZEKERINGEN
BE 0713.867.540
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Of 4,683 companies in sector 66220 we hold annual accounts for 3,228. 2,774 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-10-2010
Fiscal year end30-06
Activities, NACEBEL
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:wim.de.dobbeleer@risksolutions.be
Phone:0478664021