Summary
KRFA is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2026 annual accounts show equity of €629k and a net result of €142k. Equity is growing by ~24.2% per year across the filed fiscal years. Its solvency ranks better than 84% of 113 sector peers (fiscal year 2026). The company has been active since 2020 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 check 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 30-06-2026 was due by 31-01-2027 and was filed on 11-09-2026, 142 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2026
142 d early
2025
151 d early
2024
136 d early
2023
138 d early
2022
42 d early
2021
59 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 30-06-2027 and is due by 31-01-2028. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-06-2027 close31-01-2028 deadline
Financials · fiscal year 2026, micro schema
Equity
€629k▲ 29.3%
2025 · €487k
2021: €122k
2022: €233k
2023: €350k
2024: €486k
2025: €487k
2021 → 2026
Net result
€142k▲ 9.1%
2025 · €131k
2021: €117k
2022: €110k
2023: €117k
2024: €136k
2025: €131k
2021 → 2026
Total assets
€679k▲ 27.3%
2025 · €533k
2021: €197k
2022: €291k
2023: €420k
2024: €501k
2025: €533k
2021 → 2026
Solvency
92.6%▲ 1.4pp
2025 · 91.2%
2021: 62.1%
2022: 80.1%
2023: 83.3%
2024: 97.1%
2025: 91.2%
2021 → 2026
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20222023202420252026Trend
Equity€233k-€350k▲ 50.4%€486k▲ 38.8%€487k▲ 0.1%€629k▲ 29.3%
Operating result€157k-€166k▲ 5.6%€170k▲ 2.3%€165k▼ 2.5%€175k▲ 5.6%
Net result€110k-€117k▲ 6.2%€136k▲ 15.8%€131k▼ 3.9%€142k▲ 9.1%
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 2026; 2026 is 6% above 2025 and is the highest result in the available series.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €679k
Fixed assets
€58k ▼ 26.9%
Current assets
€622k ▲ 36.7%
Equity and liabilities €679k
Equity
€629k ▲ 29.3%
Debt
€50k ▲ 7.4%
Debt's share of the balance-sheet total falls from 8.8% to 7.4%. Equity and debt are higher.
Key figures and ratios
ROE
22.6%▼
2025 · 26.8%
ROA
21.0%▼
2025 · 24.5%
Debt ≤ 1 year
€49k▲
2025 · €47k
Income taxes
€55k▲
2025 · €54k
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 · 2026 against 2025 · 45 lines
Balance sheet
Code20252026
Assets
Total assets20/58€533k€679k▲
Fixed assets21/28€79k€58k▼
Tangible fixed assets22/27€79k€58k▼
Furniture and vehicles24€79k€58k▼
Current assets29/58€455k€622k▲
Amounts receivable after more than one year29€16k€0▼
Other amounts receivable291€16k€0▼
Amounts receivable within one year40/41€29k€208k▲
Trade receivables40€29k€30k▲
Other amounts receivable41-€179k
Current investments50/53€211k€230k▲
Cash at bank and in hand54/58€197k€181k▼
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€533k€679k▲
Equity10/15€487k€629k▲
Contributions10/11€5k€5k=
Reserves13€482k€624k▲
Distributable reserves133€482k€624k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€47k€50k▲
Amounts payable within one year42/48€47k€49k▲
Trade debts44€2k€1k▼
Suppliers440/4€2k€1k▼
Taxes, remuneration and social security45€36k€39k▲
Taxes450/3€36k€39k▲
Other amounts payable47/48€9k€9k=
Accrued charges and deferred income492/3-€939
Income statement
Code20252026
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€21k▼
Other operating charges640/8€702€719▲
Gross operating margin9900€188k€197k▲
Operating profit (loss)9901€165k€175k▲
Financial income75/76B€40k€5k▼
Recurring financial income75€40k€5k▼
Financial charges65/66B€20k€-19k▼
Recurring financial charges65€20k€-19k▼
Profit (loss) for the period before taxes9903€185k€198k▲
Income taxes67/77€54k€55k▲
Profit (loss) for the period9904€131k€142k▲
Profit (loss) for the period to be appropriated9905€131k€142k▲
Appropriation of the result
Profit (loss) to be appropriated9906€131k€142k▲
Transfer from equity791/2€130k€0▼
Transfer to equity691/2€131k€142k▲
To other reserves6921€131k€142k▲
Profit to be distributed694/7€130k€0▼
Return on contributions (dividend)694€130k€0▼
The notes to these accounts (8 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 2027, expected by
2026
11-09
NBB filing
Annual accounts filed
fiscal year 2026 · micro schema
30-06
Financial
Highest result since 2021net €142k ▲9.1%
Operating result €175k, net result €142k, both a record.
30-06
Financial
Equity above €500kEq €629k ▲29.3%
6 profitable years in a row build equity to €629k.
2025
02-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
17-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-06
Financial
Liquidity times 5current ratio 27.24
Current ratio from 5.89 to 27.24; short-term debt falls from €70k to €15k.
2023
15-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
20-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
30-06
Financial
Weakest financial yearnet €110k ▼5.8%
Net result drops to €110k, the lowest in the series; recovery starts the following year.
30-06
Financial
Equity above €200kEq €233k ▲90.3%
2 profitable years in a row build equity to €233k.
2021
03-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Heusden-Zolder · 1 establishment unit since 2020
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.
Laambroekstraat 563550 Heusden-ZolderGround area
1,123 m²
Building footprint
128 m²
Volume, LiDAR
637 m³
Parcel 71065A1016/00F000, Flanders · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
KRFA
since 20202.308.729.266
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71065A1016/00F000 | Flanders | 1,123 m² | 1 · 128 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.
Similar companies · same sector, comparable size
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MASY HOLDING
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MNZ MANAGEMENT
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DIMOTAK
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 13,448 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
Founded02-10-2020
Fiscal year end30-06
Activities, NACEBEL 2025
64210Activities of holding companies
70100Activities of head offices
70200Business and other management consultancy
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.