KLAS BD
ActiveKLAS BD 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 €94k and a net result of €24k. Equity is growing by ~31.6% per year across the filed fiscal years. Its solvency ranks better than 20% of 7837 sector peers (fiscal year 2025). The company has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 20% of 7837 sector peers (2025).
NBB · sector comparisonPosition among 7837 sector peers
Solvency
better than 20%
← weakest
strongest →
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 28-04-2026, 94 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
94 d early
2024
20 d early
2023
19 d early
2022
19 d early
2021
11 d early
2020
30 d early
2019
17 d early
← before the deadline
after the deadline →
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
05-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€94k▲ 33.6%
2024 · €70k
2021: €19k
2022: €47k
2023: €56k
2024: €70k
2021 → 2025
Net result
€24k▲ 63.5%
2024 · €14k
2021: €1k
2022: €28k
2023: €9k
2024: €14k
2021 → 2025
Total assets
€630k▼ 9.4%
2024 · €696k
2021: €718k
2022: €771k
2023: €780k
2024: €696k
2021 → 2025
Solvency
14.9%▲ 4.8pp
2024 · 10.1%
2021: 2.7%
2022: 6.1%
2023: 7.2%
2024: 10.1%
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€19k-€47k▲ 143%€56k▲ 18.0%€70k▲ 25.8%€94k▲ 33.6%
Operating result€23k-€44k▲ 93.9%€24k▼ 46.9%€48k▲ 105%€60k▲ 24.2%
Net result€1k-€28k▲ 2,233%€9k▼ 69.4%€14k▲ 69.2%€24k▲ 63.5%
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 24% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €630k
Fixed assets
€533k▼ 13.4%
Current assets
€97k▲ 21.2%
Equity and liabilities €630k
Equity
€94k▲ 33.6%
Debt
€536k▼ 14.3%
The debt ratio falls from 89.9% to 85.1%: equity grows while debt is paid down.
Key figures and ratios
Solvency
14.9%▲
2024 · 10.1%
ROE
25.1%▲
2024 · 20.5%
ROA
3.7%▲
2024 · 2.1%
Debt
€536k▼
2024 · €625k
Debt ≤ 1 year
€153k▲
2024 · €145k
Debt > 1 year
€382k▼
2024 · €480k
Income taxes
€15k▲
2024 · €9k
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
Total assets
20/58€696k€630k▼
Fixed assets
21/28€615k€533k▼
Tangible fixed assets
22/27€615k€533k▼
Current assets
29/58€80k€97k▲
Amounts receivable within one year
40/41€72k€81k▲
Cash & bank
54/58€4k€12k▲
Total equity & liabilities
10/49€696k€630k▼
Equity
10/15€70k€94k▲
Contributions / capital
10/11€19k€19k=
Reserves
13€52k€75k▲
Amounts payable
17/49€625k€536k▼
Amounts payable after one year
17€480k€382k▼
Amounts payable within one year
42/48€145k€153k▲
Trade debts payable within one year
44€12k€19k▲
Income statement
Code20242025
Gross operating margin
9900€153k€150k▼
Operating result
9901€48k€60k▲
Financial income
75€0-
Financial charges
65€24k€21k▼
Result before taxes
9903€24k€39k▲
Income taxes
67/77€9k€15k▲
Net result for the period
9904€14k€24k▲
Result to be appropriated
9905€14k€24k▲
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
28-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
11-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
12-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
12-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2021net €28k ▲2233%
Net result €28k, the highest in the series.
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
01-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
14-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
09-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
19-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Comparable companies · same sector, comparable size
Similar companies · same sector, comparable size
LSSSMR
BE 0774.280.625
Hasselt · Eq €94k
Getram Services
BE 0790.656.995
Nazareth-De Pinte · Eq €94k
Pieter Jouck
BE 0843.023.832
Leuven · Eq €94k
Van Camp – Apostolou
BE 0805.315.180
Kalmthout · Eq €94k
MyDreamWorld
BE 0721.493.522
Diepenbeek · Eq €94k
Of 24,645 companies in sector 64210 we hold annual accounts for 19,462. 11,987 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-04-2012
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
77320Rental and leasing activities
77399Renting and leasing of other machinery, equipment and tangible goods
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 19-07-2026. Scores and ratios are computed by Checked and are not a credit decision.