LFCH
ActiveLFCH 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 €313k and a net result of €59k. Equity remains stable across the filed fiscal years (±0.6% per year). Its solvency ranks better than 90% of 1216 sector peers (fiscal year 2025). The company has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
3 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 11-05-2026, 81 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
81 d early
2024
70 d early
2023
30 d late
2022
31 d late
2021
31 d late
2020
31 d late
2019
91 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
04-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€313k▼ 5.9%
2024 · €333k
2023: €317k
2024: €333k
2023 → 2025
Net result
€59k▲ 274%
2024 · €16k
2023: €69k
2024: €16k
2023 → 2025
Total assets
€361k▼ 10.5%
2024 · €403k
2023: €375k
2024: €403k
2023 → 2025
Solvency
86.8%▲ 4.2pp
2024 · 82.6%
2023: 84.6%
2024: 82.6%
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€317k-€333k▲ 5.0%€313k▼ 5.9%
Operating result€29k-€23k▼ 23.4%€87k▲ 288%
Net result€69k-€16k▼ 77.0%€59k▲ 274%
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 2025; 2025 is 288% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €361k
Fixed assets
€297k▲ 0.3%
Current assets
€64k▼ 40.1%
Equity and liabilities €361k
Equity
€313k▼ 5.9%
Debt
€48k▼ 32.2%
The debt ratio falls from 17.4% to 13.2%: debt falls faster than equity shrinks.
Key figures and ratios
Solvency
86.8%▲
2024 · 82.6%
ROE
18.9%▲
2024 · 4.8%
ROA
16.4%▲
2024 · 3.9%
Debt
€48k▼
2024 · €70k
Debt ≤ 1 year
€48k▼
2024 · €70k
Income taxes
€27k▲
2024 · €6k
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
Balance sheet
Code2025
Total assets
20/58€361k
Fixed assets
21/28€297k
Tangible fixed assets
22/27€792
Financial fixed assets
28€296k
Current assets
29/58€64k
Amounts receivable within one year
40/41€14k
Cash & bank
54/58€48k
Total equity & liabilities
10/49€361k
Equity
10/15€313k
Contributions / capital
10/11€12k
Reserves
13€301k
Accumulated profits (losses)
14€0
Amounts payable
17/49€48k
Amounts payable within one year
42/48€48k
Trade debts payable within one year
44€875
Income statement
Code2025
Gross operating margin
9900€88k
Operating result
9901€87k
Financial income
75€1k
Financial charges
65€2k
Result before taxes
9903€86k
Income taxes
67/77€27k
Net result for the period
9904€59k
Result to be appropriated
9905€59k
This is the latest fiscal year. 2 prior years, with figures and ratios, belong to a paid plan.
See plans →
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
11-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
22-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €16k ▼77%
Net result drops to €16k, the lowest in the series; recovery starts the following year.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 91 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
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Of 24,686 companies in sector 64210 we hold annual accounts for 19,300. 13,566 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-07-2016
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 15-07-2026. Scores and ratios are computed by Checked and are not a credit decision.