Lean Finance 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 €308k and a net result of €92k. Equity is growing by ~26.8% per year across the filed fiscal years. Its solvency ranks better than 38% of 7980 sector peers (fiscal year 2025). The company has been active since 2021 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 21-07-2026, 10 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
10 d early
2024
17 d early
2023
30 d late
2022
32 d late
2021
4 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€308k▲ 2.0%
2024 · €302k
2021: €83k
2022: €202k
2023: €229k
2024: €302k
2021 → 2025
Net result
€92k▲ 25.5%
2024 · €73k
2021: €81k
2022: €119k
2023: €28k
2024: €73k
2021 → 2025
Total assets
€834k▲ 114%
2024 · €390k
2021: €246k
2022: €413k
2023: €396k
2024: €390k
2021 → 2025
Solvency
36.9%▼ 40.4pp
2024 · 77.3%
2021: 33.8%
2022: 48.8%
2023: 57.9%
2024: 77.3%
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€83k-€202k▲ 142%€229k▲ 13.7%€302k▲ 31.5%€308k▲ 2.0%
Operating result€112k-€164k▲ 46.8%€41k▼ 75.2%€94k▲ 131%€80k▼ 14.8%
Net result€81k-€119k▲ 46.3%€28k▼ 76.1%€73k▲ 157%€92k▲ 25.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 15% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €834k
Fixed assets
€741k▲ 242%
Current assets
€93k▼ 46.5%
Equity and liabilities €834k
Equity
€308k▲ 2.0%
Debt
€527k▲ 495%
The debt ratio rises from 22.7% to 63.1%. Equity and debt are higher.
Key figures and ratios
Solvency
36.9%▼
2024 · 77.3%
ROE
29.8%▲
2024 · 24.2%
ROA
11.0%▼
2024 · 18.7%
Debt
€527k▲
2024 · €89k
Debt ≤ 1 year
€147k▲
2024 · €69k
Debt > 1 year
€377k▲
2024 · €19k
Income taxes
€17k▼
2024 · €22k
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€390k€834k▲
Fixed assets21/28€216k€741k▲
Tangible fixed assets22/27€27k€552k▲
Land and buildings22-€473k
Furniture and vehicles24€21k€21k▲
Other tangible fixed assets26€7k€58k▲
Financial fixed assets28€189k€189k=
Current assets29/58€174k€93k▼
Amounts receivable after more than one year29€45k€0▼
Other amounts receivable291€45k€0▼
Amounts receivable within one year40/41€27k€79k▲
Trade receivables40€0-
Other amounts receivable41€27k€79k▲
Cash at bank and in hand54/58€101k€14k▼
Deferred charges and accrued income490/1€0-
Equity and liabilities
Total equity and liabilities10/49€390k€834k▲
Equity10/15€302k€308k▲
Contributions10/11€2k€2k=
Reserves13€300k€306k▲
Distributable reserves133€300k€306k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€89k€527k▲
Amounts payable after more than one year17€19k€377k▲
Financial debts170/4€19k€377k▲
Amounts payable within one year42/48€69k€147k▲
Current portion of amounts payable after more than one year42€65k€84k▲
Trade debts44€2k€2k▼
Suppliers440/4€2k€2k▼
Taxes, remuneration and social security45€0-
Taxes450/3€0-
Other amounts payable47/48€2k€61k▲
Accrued charges and deferred income492/3-€3k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€89k▲
Other operating charges640/8€916€2k▲
Gross operating margin9900€103k€172k▲
Operating profit (loss)9901€94k€80k▼
Financial income75/76B€3k€38k▲
Recurring financial income75€3k€38k▲
Financial charges65/66B€2k€9k▲
Recurring financial charges65€2k€9k▲
Profit (loss) for the period before taxes9903€95k€109k▲
Income taxes67/77€22k€17k▼
Profit (loss) for the period9904€73k€92k▲
Profit (loss) for the period to be appropriated9905€73k€92k▲
Appropriation of the result
Profit (loss) to be appropriated9906€73k€92k▲
Transfer from equity791/2-€85k
Transfer to equity691/2€72k€91k▲
To other reserves6921€72k€91k▲
Profit to be distributed694/7€833€86k▲
Return on contributions (dividend)694€833€86k▲
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
21-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-12
Financial
Weakest financial yearnet €28k ▼76.1%
Net result drops to €28k, the lowest in the series; recovery starts the following year.
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
31-12
Financial
Highest result since 2021net €119k ▲46.3%
Operating result €164k, net result €119k, both a record.
31-12
Financial
Equity above €200kEq €202k ▲142%
2 profitable years in a row build equity to €202k.
27-07
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
2 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, Wetteren · 2 establishment units since 2021
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.
Kerkwegel 279230 WetterenGround area
1,147 m²
Building footprint
279 m²
Volume, LiDAR
2,793 m³
2 parcels, Flanders · tallest building 32.0 m, ±10 floors. Linked by address, not a title deed.
2 establishment units
LEAN FINANCE
since 20212.314.112.865
Lean Finance
since 20252.381.635.555
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42025A0855/00L000 | Flanders | 1,008 m² | 1 · 150 m² | - |
| 35022A0001/00Z054 | Flanders | 139 m² | 1 · 129 m² | 32.0 m · 10 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.
Recognitions · licences · registrations
Legal Entity Identifier
984500A75658CD53AC89
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Of 24,726 companies in sector 64210 we hold annual accounts for 19,747. 13,772 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-02-2021
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 5 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
1 entryE-mail:lena.tanghe@bnpparibasfortis.com