Summary
Kempen advies Beerse 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 €312k and a net result of €55k. Equity is growing by ~57.8% per year across the filed fiscal years. Its solvency ranks better than 73% of 1475 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
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 14-07-2026, 17 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
17 d early
2024
41 d early
2023
49 d early
2022
46 d early
2021
3 d early
2020
4 d early
2019
31 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 · fiscal year 2025, abbreviated schema
Equity
€312k▲ 21.3%
2024 · €257k
2018: €-41k
2019: €-43k
2020: €-10k
2021: €68k
2022: €124k
2023: €152k
2024: €257k
2018 → 2025
Net result
€55k▼ 63.1%
2024 · €148k
2018: €-52k
2019: €-2k
2020: €33k
2021: €92k
2022: €86k
2023: €71k
2024: €148k
2018 → 2025
Total assets
€474k▼ 5.9%
2024 · €503k
2018: €499k
2019: €463k
2020: €428k
2021: €478k
2022: €528k
2023: €463k
2024: €503k
2018 → 2025
Solvency
65.8%▲ 14.8pp
2024 · 51.0%
2018: -8.2%
2019: -9.2%
2020: -2.4%
2021: 14.2%
2022: 23.5%
2023: 32.7%
2024: 51.0%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€68k-€124k▲ 83.0%€152k▲ 22.2%€257k▲ 69.4%€312k▲ 21.3%
Operating result€127k-€126k▼ 0.8%€104k▼ 17.8%€224k▲ 115%€91k▼ 59.5%
Net result€92k-€86k▼ 6.6%€71k▼ 18.2%€148k▲ 110%€55k▼ 63.1%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 59% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €474k
Fixed assets
€278k ▼ 0.3%
Current assets
€195k ▼ 12.9%
Equity and liabilities €474k
Equity
€312k ▲ 21.3%
Debt
€162k ▼ 34.3%
Debt's share of the balance-sheet total falls from 49.0% to 34.2%. Equity is higher and debt is lower.
Key figures and ratios
ROE
17.6%▼
2024 · 57.7%
ROA
11.6%▼
2024 · 29.5%
Debt ≤ 1 year
€53k▼
2024 · €122k
Debt > 1 year
€109k▼
2024 · €125k
Income taxes
€30k▼
2024 · €68k
Staff costs
€149k▲
2024 · €136k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€503k€474k▼
Fixed assets21/28€279k€278k▼
Tangible fixed assets22/27€279k€278k▼
Land and buildings22€257k€232k▼
Furniture and vehicles24€21k€46k▲
Current assets29/58€224k€195k▼
Amounts receivable within one year40/41€14k€19k▲
Trade receivables40€14k€15k▲
Other amounts receivable41-€5k
Cash at bank and in hand54/58€208k€175k▼
Deferred charges and accrued income490/1€2k€965▼
Equity and liabilities
Total equity and liabilities10/49€503k€474k▼
Equity10/15€257k€312k▲
Contributions10/11€6k€6k=
Reserves13€150k€205k▲
Distributable reserves133€150k€205k▲
Profit (loss) carried forward14€101k€101k=
Amounts payable17/49€246k€162k▼
Amounts payable after more than one year17€125k€109k▼
Financial debts170/4€125k€109k▼
Amounts payable within one year42/48€122k€53k▼
Current portion of amounts payable after more than one year42€21k€30k▲
Trade debts44€4k€9k▲
Suppliers440/4€4k€9k▲
Taxes, remuneration and social security45€54k€14k▼
Taxes450/3€41k€0▼
Remuneration and social security454/9€13k€14k▲
Other amounts payable47/48€43k€240▼
Income statement
Code20242025
Remuneration, social security and pensions62€136k€149k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€40k€48k▲
Other operating charges640/8€2k€3k▲
Gross operating margin9900€402k€291k▼
Operating profit (loss)9901€224k€91k▼
Financial income75/76B€0€2▲
Recurring financial income75€0€2▲
Financial charges65/66B€8k€6k▼
Recurring financial charges65€8k€6k▼
Profit (loss) for the period before taxes9903€216k€85k▼
Income taxes67/77€68k€30k▼
Profit (loss) for the period9904€148k€55k▼
Profit (loss) for the period to be appropriated9905€148k€55k▼
Appropriation of the result
Profit (loss) to be appropriated9906€292k€155k▼
Profit (loss) brought forward from the previous period14P€144k€101k▼
Transfer to equity691/2€148k€55k▼
To other reserves6921€148k€55k▼
Profit to be distributed694/7€43k€0▼
Return on contributions (dividend)694€43k€0▼
Social balance
Average headcount (FTE)90872.52.5=
The notes to these accounts (23 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
14-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
20-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €148k ▲110%
Operating result €224k, net result €148k, both a record.
31-12
Financial
Equity above €200kEq €257k ▲69.4%
5 profitable years in a row build equity to €257k.
12-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Equity above €150kEq €152k ▲22.2%
4 profitable years in a row build equity to €152k.
15-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Equity above €100kEq €124k ▲83%
3 profitable years in a row build equity to €124k.
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
27-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Back to profitnet €33k
Net result €33k after 2 loss-making years.
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
Show earlier events
2019
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 60 days late
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, Ravels · 2 establishment units 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.
Dorp 632382 RavelsGround area
1,289 m²
Building footprint
593 m²
Volume, LiDAR
5,522 m³
2 parcels, Flanders · tallest building 14.6 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
Pauwels Beheer
since 20062.281.061.403
Pauwels Beheer
since 20062.153.143.147
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13033B0535/00K000 | Flanders | 1,101 m² | 1 · 404 m² | 14.6 m · 4 fl. |
| 13004A0369/00D003 | Flanders | 188 m² | 1 · 189 m² | 13.6 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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BE 0866.163.775
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Advieskantoor Stevens & Pauwels
BE 0656.985.552
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LMK Finances
BE 1011.355.256
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Olivier GUILLAUME
BE 0757.898.711
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Of 1,681 companies in sector 66191 we hold annual accounts for 1,230. 1,065 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-01-2006
Fiscal year end31-12
Activities, NACEBEL 2025
66191Agents and brokers in banking services
64999Other financial services
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.