Koen Segers is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €109k and a net result of €102k. Equity is growing by ~25.1% per year across the filed fiscal years. Its solvency ranks better than 49% of 9864 sector peers (fiscal year 2024). The company has been active since 2016 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
Two signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 04-07-2025, 27 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
not confirmed
2024
27 d early
2023
33 d early
2022
42 d early
2021
41 d early
2020
38 d early
2019
39 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€109k▼ 9.1%
2023 · €120k
2018: €28k
2019: €89k
2020: €29k
2021: €55k
2022: €26k
2023: €120k
2018 → 2024
Net result
€102k▲ 8.8%
2023 · €94k
2018: €6k
2019: €60k
2020: €72k
2021: €97k
2022: €103k
2023: €94k
2018 → 2024
Total assets
€202k▲ 35.8%
2023 · €149k
2018: €53k
2019: €108k
2020: €120k
2021: €77k
2022: €93k
2023: €149k
2018 → 2024
Solvency
54.0%▼ 26.6pp
2023 · 80.6%
2018: 52.8%
2019: 82.0%
2020: 24.0%
2021: 71.8%
2022: 28.0%
2023: 80.6%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€29k-€55k▲ 91.1%€26k▼ 53.1%€120k▲ 362%€109k▼ 9.1%
Operating result€95k-€128k▲ 35.4%€134k▲ 4.2%€123k▼ 7.8%€125k▲ 1.8%
Net result€72k-€97k▲ 35.0%€103k▲ 5.9%€94k▼ 8.5%€102k▲ 8.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2024; 2024 is 2% above 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €202k
Fixed assets
€87k▲ 603%
Current assets
€115k▼ 15.5%
Equity and liabilities €202k
Equity
€109k▼ 9.1%
Debt
€93k▲ 223%
The debt ratio rises from 19.4% to 46.0%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
54.0%▼
2023 · 80.6%
ROE
93.7%▲
2023 · 78.4%
ROA
50.6%▼
2023 · 63.2%
Debt
€93k▲
2023 · €29k
Debt ≤ 1 year
€55k▲
2023 · €29k
Debt > 1 year
€38k
Income taxes
€31k▲
2023 · €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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€149k€202k▲
Formation expenses20€237-
Fixed assets21/28€12k€87k▲
Tangible fixed assets22/27€12k€87k▲
Plant, machinery and equipment23-€1k
Furniture and vehicles24€12k€12k▼
Leasing and similar rights25-€74k
Current assets29/58€136k€115k▼
Amounts receivable within one year40/41€14k€68k▲
Trade receivables40€600€59k▲
Other amounts receivable41€13k€9k▼
Current investments50/53€17k-
Cash at bank and in hand54/58€98k€35k▼
Deferred charges and accrued income490/1€7k€12k▲
Equity and liabilities
Total equity and liabilities10/49€149k€202k▲
Equity10/15€120k€109k▼
Contributions10/11€19k€19k=
Reserves13€7k€7k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€5k€5k=
Profit (loss) carried forward14€94k€83k▼
Amounts payable17/49€29k€93k▲
Amounts payable after more than one year17-€38k
Financial debts170/4-€38k
Amounts payable within one year42/48€29k€55k▲
Current portion of amounts payable after more than one year42-€11k
Financial debts43€3k-
Credit institutions430/8€3k-
Trade debts44€4k€7k▲
Suppliers440/4€4k€7k▲
Advances received on contracts in progress46-€25k
Taxes, remuneration and social security45€12k€8k▼
Taxes450/3€12k€8k▼
Other amounts payable47/48€11k€4k▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€21k▲
Other operating charges640/8€2k€6k▲
Gross operating margin9900€130k€152k▲
Operating profit (loss)9901€123k€125k▲
Financial income75/76B€699€11k▲
Recurring financial income75€699€1k▲
Non-recurring financial income76B-€10k
Financial charges65/66B€772€3k▲
Recurring financial charges65€772€3k▲
Profit (loss) for the period before taxes9903€123k€133k▲
Income taxes67/77€29k€31k▲
Profit (loss) for the period9904€94k€102k▲
Profit (loss) for the period to be appropriated9905€94k€102k▲
Appropriation of the result
Profit (loss) to be appropriated9906€94k€196k▲
Profit (loss) brought forward from the previous period14P-€94k
Profit to be distributed694/7-€113k
Return on contributions (dividend)694-€113k
The notes to these accounts (11 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
04-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity quadruplescurrent ratio 4.73
Current ratio from 1.32 to 4.73; short-term debt falls from €66k to €29k.
31-12
Financial
Equity above €100kEq €120k ▲362%
6 profitable years in a row build equity to €120k.
19-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €103k ▲5.9%
Operating result €134k, net result €103k, both a record.
20-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity triplescurrent ratio 3.21
Current ratio from 1.26 to 3.21; short-term debt falls from €89k to €22k.
23-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
22-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity triplescurrent ratio 4.91
Current ratio from 1.54 to 4.91; short-term debt falls from €25k to €19k.
24-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
01-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 1 day late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2016
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
08-08-2016
Resigned as Manager
Location & real-estate footprint
Registered office, Dilbeek · 1 establishment unit since 2016
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.
Braambessenstraat 151700 DilbeekGround area
571 m²
Building footprint
119 m²
Volume, LiDAR
700 m³
Parcel 23016A0044/00M000, Flanders · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Phoenix Kappa Consulting
since 20162.251.637.838
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23016A0044/00M000 | Flanders | 571 m² | 1 · 119 m² | 7.9 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.
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Of 24,727 companies in sector 64210 we hold annual accounts for 19,759. 12,518 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-03-2016
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
72101Research and development on biotechnology
72109Other research and development on natural sciences
74909Other professional, scientific and technical activities
74999Other professional, scientific and technical activities
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.