KOSTADIET 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 €3.25M and a net result of €877k. Equity is growing by ~37.5% per year across the filed fiscal years. Its solvency ranks better than 63% of 5498 sector peers (fiscal year 2025). The company has been active since 2011 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 31-12-2025 was due by 31-07-2026 and was filed on 29-07-2026, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
34 d early
2023
9 d early
2022
23 d late
2021
31 d late
2020
33 d early
2019
122 d late
← 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€3.25M▼ 11.4%
2024 · €3.67M
2018: €332k
2019: €684k
2020: €1.13M
2021: €1.49M
2022: €2.16M
2023: €2.80M
2024: €3.67M
2018 → 2025
Net result
€877k▲ 0.3%
2024 · €874k
2018: €5k
2019: €352k
2020: €447k
2021: €490k
2022: €685k
2023: €774k
2024: €874k
2018 → 2025
Total assets
€4.94M▼ 2.9%
2024 · €5.09M
2018: €851k
2019: €2.14M
2020: €2.64M
2021: €3.26M
2022: €3.66M
2023: €4.11M
2024: €5.09M
2018 → 2025
Solvency
65.8%▼ 6.3pp
2024 · 72.2%
2018: 39.1%
2019: 32.0%
2020: 42.8%
2021: 45.7%
2022: 58.9%
2023: 68.1%
2024: 72.2%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.49M-€2.16M▲ 44.7%€2.80M▲ 29.7%€3.67M▲ 31.3%€3.25M▼ 11.4%
Operating result€730k-€1.02M▲ 40.3%€1.17M▲ 14.4%€1.31M▲ 12.1%€1.33M▲ 1.4%
Net result€490k-€685k▲ 39.7%€774k▲ 13.0%€874k▲ 13.0%€877k▲ 0.3%
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 risen four years in a row; 2025 is 1% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.94M
Fixed assets
€2.41M▲ 37.6%
Current assets
€2.53M▼ 24.1%
Equity and liabilities €4.94M
Equity
€3.25M▼ 11.4%
Debt
€1.69M▲ 19.3%
The debt ratio rises from 27.8% to 34.2%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
65.8%▼
2024 · 72.2%
ROE
27.0%▲
2024 · 23.8%
ROA
17.8%▲
2024 · 17.2%
Debt
€1.69M▲
2024 · €1.41M
Debt ≤ 1 year
€526k▲
2024 · €321k
Debt > 1 year
€1.15M▲
2024 · €1.09M
Income taxes
€415k▲
2024 · €410k
Staff costs
€44k▲
2024 · €40k
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€5.09M€4.94M▼
Fixed assets21/28€1.75M€2.41M▲
Tangible fixed assets22/27€1.75M€2.41M▲
Land and buildings22€1.71M€1.66M▼
Plant, machinery and equipment23€12k€9k▼
Furniture and vehicles24€32k€737k▲
Current assets29/58€3.34M€2.53M▼
Amounts receivable after more than one year29€850k-
Other amounts receivable291€850k-
Amounts receivable within one year40/41€1.46M€1.43M▼
Trade receivables40€913k€985k▲
Other amounts receivable41€552k€445k▼
Current investments50/53€762k€890k▲
Cash at bank and in hand54/58€257k€211k▼
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€5.09M€4.94M▼
Equity10/15€3.67M€3.25M▼
Contributions10/11€18k€18k=
Reserves13€3.65M€3.23M▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€19k€19k=
Distributable reserves133€3.63M€3.21M▼
Profit (loss) carried forward14€4k€4k=
Amounts payable17/49€1.41M€1.69M▲
Amounts payable after more than one year17€1.09M€1.15M▲
Financial debts170/4€1.09M€1.15M▲
Amounts payable within one year42/48€321k€526k▲
Current portion of amounts payable after more than one year42€75k€114k▲
Financial debts43-€345k
Credit institutions430/8-€345k
Trade debts44€18k€2k▼
Suppliers440/4€18k€2k▼
Taxes, remuneration and social security45€228k€5k▼
Taxes450/3€223k€2k▼
Remuneration and social security454/9€5k€3k▼
Other amounts payable47/48-€61k
Accrued charges and deferred income492/3-€7k
Income statement
Code20242025
Remuneration, social security and pensions62€40k€44k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€87k€96k▲
Other operating charges640/8€11k€8k▼
Gross operating margin9900€1.45M€1.48M▲
Operating profit (loss)9901€1.31M€1.33M▲
Financial income75/76B€23k-
Recurring financial income75€23k-
Financial charges65/66B€53k€40k▼
Recurring financial charges65€53k€40k▼
Profit (loss) for the period before taxes9903€1.28M€1.29M▲
Income taxes67/77€410k€415k▲
Profit (loss) for the period9904€874k€877k▲
Profit (loss) for the period to be appropriated9905€874k€877k▲
Appropriation of the result
Profit (loss) to be appropriated9906€878k€881k▲
Profit (loss) brought forward from the previous period14P€4k€4k=
Transfer from equity791/2-€1.30M
Transfer to equity691/2€874k€877k▲
To other reserves6921€874k€877k▲
Profit to be distributed694/7-€1.30M
Return on contributions (dividend)694-€1.30M
Social balance
Average headcount (FTE)90870.91.1▲
The notes to these accounts (12 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
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
13-07
State Gazette act
Incorporation · Founder
Founding capital · Corporate purpose · Eric LAENENS
2025
31-12
Financial
Highest result since 2018net €877k ▲0.3%
Operating result €1.33M, net result €877k, both a record.
27-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Liquidity doublescurrent ratio 24.18
Current ratio from 11.95 to 24.18; short-term debt falls from €152k to €95k.
23-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 23 days late
2022
31-12
Financial
Liquidity triplescurrent ratio 11.95
Current ratio from 4.57 to 11.95; short-term debt falls from €261k to €152k.
31-12
Financial
Equity above €2MEq €2.16M ▲44.7%
5 profitable years in a row build equity to €2.16M.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €1MEq €1.13M ▲65.4%
3 profitable years in a row build equity to €1.13M.
30-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 122 days late
2019
31-12
Financial
Equity above €500kEq €684k ▲106%
2 profitable years in a row build equity to €684k.
08-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 69 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 60 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Zoersel · 1 establishment unit since 2019
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.
Handelslei 1872980 ZoerselGround area
1,321 m²
Building footprint
340 m²
Volume, LiDAR
1,598 m³
Parcel 11055A0001/00K006, Flanders · tallest building 15.7 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Boekhoudkantoor Van de Merlen
since 20192.299.113.301
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11055A0001/00K006 | Flanders | 1,321 m² | 1 · 340 m² | 15.7 m · 1 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
894500H21EAHYUVGCT54
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Of 24,726 companies in sector 64210 we hold annual accounts for 19,747. 9,454 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-11-2011
Fiscal year end31-12
Activities, NACEBEL
64210Activities of holding companies
69201Certified accountants and tax accountants
69202Legal and accounting activities
Sources
Crossroads Bank for EnterprisesNational Bank · 12 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.
Contact details
2 entriesE-mail:birger@bvdm.be
Phone:0477.38.20.70