LOMICO 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 €422k and a net result of €4k. Equity is shrinking by ~6.9% per year across the filed fiscal years. Its solvency ranks better than 66% of 5498 sector peers (fiscal year 2025). The company has been active since 2004 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 06-07-2026, 25 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
25 d early
2024
31 d early
2023
on the day
2022
31 d late
2021
3 d early
2020
86 d late
2019
36 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€422k▼ 7.4%
2024 · €456k
2018: €713k
2019: €638k
2020: €558k
2021: €615k
2022: €613k
2023: €464k
2024: €456k
2018 → 2025
Net result
€4k▲ 373%
2024 · €874
2018: €58k
2019: €-68k
2020: €-37k
2021: €57k
2022: €-2k
2023: €6k
2024: €874
2018 → 2025
Total assets
€612k▼ 6.5%
2024 · €654k
2018: €855k
2019: €707k
2020: €619k
2021: €859k
2022: €841k
2023: €678k
2024: €654k
2018 → 2025
Solvency
68.9%▼ 0.7pp
2024 · 69.7%
2018: 83.4%
2019: 90.3%
2020: 90.2%
2021: 71.6%
2022: 72.8%
2023: 68.4%
2024: 69.7%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€615k-€613k▼ 0.4%€464k▼ 24.3%€456k▼ 1.8%€422k▼ 7.4%
Operating result€87k-€-586€7k€392▼ 94.1%€4k▲ 983%
Net result€57k-€-2k€6k€874▼ 85.0%€4k▲ 373%
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 recovers in 2025; 2025 is 983% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €612k
Fixed assets
€597k▲ 7.0%
Current assets
€15k▼ 84.5%
Equity and liabilities €612k
Equity
€422k▼ 7.4%
Provisions
€23k▼ 4.9%
Debt
€167k▼ 4.2%
The debt ratio rises from 26.7% to 27.3%. Equity and debt are lower.
Key figures and ratios
Solvency
68.9%▼
2024 · 69.7%
ROE
1.0%▲
2024 · 0.2%
ROA
0.7%▲
2024 · 0.1%
Debt
€167k▼
2024 · €175k
Debt ≤ 1 year
€23k▲
2024 · €16k
Debt > 1 year
€144k▼
2024 · €159k
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€654k€612k▼
Fixed assets21/28€558k€597k▲
Tangible fixed assets22/27€558k€597k▲
Land and buildings22€558k€593k▲
Plant, machinery and equipment23€72€4k▲
Current assets29/58€97k€15k▼
Amounts receivable within one year40/41€501€550▲
Other amounts receivable41€501€550▲
Cash at bank and in hand54/58€96k€14k▼
Deferred charges and accrued income490/1€146€149▲
Equity and liabilities
Total equity and liabilities10/49€654k€612k▼
Equity10/15€456k€422k▼
Contributions10/11€6k€6k=
Reserves13€450k€416k▼
Tax-exempt reserves132€72k€69k▼
Distributable reserves133€378k€347k▼
Provisions and deferred taxes16€24k€23k▼
Deferred taxes168€24k€23k▼
Amounts payable17/49€175k€167k▼
Amounts payable after more than one year17€159k€144k▼
Financial debts170/4€159k€144k▼
Amounts payable within one year42/48€16k€23k▲
Current portion of amounts payable after more than one year42€15k€15k▲
Trade debts44€968€4k▲
Suppliers440/4€968€4k▲
Taxes, remuneration and social security45€12€4k▲
Taxes450/3€12€4k▲
Other amounts payable47/48€414€435▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€27k€26k▼
Other operating charges640/8€6k€6k▼
Gross operating margin9900€33k€36k▲
Operating profit (loss)9901€392€4k▲
Financial income75/76B€1k€716▼
Recurring financial income75€1k€716▼
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€-702€3k▲
Transfer from deferred taxes780€2k€1k▼
Profit (loss) for the period9904€874€4k▲
Transfer from tax-exempt reserves789€5k€4k▼
Profit (loss) for the period to be appropriated9905€6k€8k▲
Appropriation of the result
Profit (loss) to be appropriated9906€6k€8k▲
Transfer from equity791/2€3k€30k▲
Profit to be distributed694/7€9k€38k▲
Return on contributions (dividend)694€9k€38k▲
The notes to these accounts (10 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
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
2022
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Back to profitnet €57k
Net result €57k after 2 loss-making years.
31-12
Financial
Liquidity times 18current ratio 18.16
Current ratio from 1.01 to 18.16; short-term debt falls from €61k to €15k.
25-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 86 days late
2020
25-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-68k ▼216%
Net result drops to €-68k, the lowest in the series; recovery starts the following year.
02-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
25-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Gent · 1 establishment unit since 2004
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.
Industrieweg 1149032 GentGround area
1,306 m²
Building footprint
142 m²
Volume, LiDAR
661 m³
Parcel 44074C0328/00W000, Flanders · tallest building 10.8 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Industrieweg 114, 9032 Gent
since 20042.242.446.196
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44074C0328/00W000 | Flanders | 1,306 m² | 1 · 142 m² | 10.8 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.
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Of 24,726 companies in sector 64210 we hold annual accounts for 19,747. 13,712 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-03-2004
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.