Lu-Crum 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 €233k and a net result of €28k. Equity is growing by ~39.9% per year across the filed fiscal years. Its solvency ranks better than 22% of 7980 sector peers (fiscal year 2025). The company has been active since 2018 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
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 7980 sector peers (2025).
NBB · sector comparisonPosition among 7980 sector peers
Solvency
better than 22%
← weakest
strongest →
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 16-03-2026, 137 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
137 d early
2024
45 d early
2023
30 d late
2022
14 d early
2021
44 d early
2020
30 d early
2019
27 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€233k▼ 7.9%
2024 · €253k
2019: €-19k
2020: €7k
2021: €53k
2022: €113k
2023: €141k
2024: €253k
2019 → 2025
Net result
€28k▼ 74.9%
2024 · €111k
2019: €-25k
2020: €26k
2021: €46k
2022: €49k
2023: €33k
2024: €111k
2019 → 2025
Total assets
€1.38M▲ 10.3%
2024 · €1.25M
2019: €402k
2020: €411k
2021: €472k
2022: €950k
2023: €950k
2024: €1.25M
2019 → 2025
Solvency
16.9%▼ 3.3pp
2024 · 20.3%
2019: -4.7%
2020: 1.7%
2021: 11.2%
2022: 11.9%
2023: 14.9%
2024: 20.3%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€53k-€113k▲ 113%€141k▲ 25.3%€253k▲ 79.0%€233k▼ 7.9%
Operating result€66k-€75k▲ 13.1%€73k▼ 3.3%€214k▲ 194%€47k▼ 78.2%
Net result€46k-€49k▲ 6.3%€33k▼ 31.6%€111k▲ 233%€28k▼ 74.9%
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 78% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.38M
Fixed assets
€1.35M▲ 10.8%
Current assets
€26k▼ 11.1%
Equity and liabilities €1.38M
Equity
€233k▼ 7.9%
Provisions
€71k▼ 5.3%
Debt
€1.07M▲ 16.5%
The debt ratio rises from 73.7% to 77.9%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
16.9%▼
2024 · 20.3%
ROE
12.0%▼
2024 · 44.1%
ROA
2.0%▼
2024 · 8.9%
Debt
€1.07M▲
2024 · €919k
Debt ≤ 1 year
€219k▲
2024 · €162k
Debt > 1 year
€847k▲
2024 · €752k
Income taxes
€196▼
2024 · €535
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€1.25M€1.38M▲
Fixed assets21/28€1.22M€1.35M▲
Tangible fixed assets22/27€1.11M€1.25M▲
Land and buildings22€1.11M€1.16M▲
Plant, machinery and equipment23€3k€13k▲
Furniture and vehicles24€5k€74k▲
Financial fixed assets28€105k€103k▼
Current assets29/58€29k€26k▼
Amounts receivable within one year40/41€24k€19k▼
Trade receivables40€17k€16k▼
Other amounts receivable41€8k€2k▼
Cash at bank and in hand54/58€4k€4k▼
Deferred charges and accrued income490/1€780€3k▲
Equity and liabilities
Total equity and liabilities10/49€1.25M€1.38M▲
Equity10/15€253k€233k▼
Contributions10/11€19k€19k=
Reserves13€234k€214k▼
Tax-exempt reserves132€226k€214k▼
Distributable reserves133€8k€0▼
Profit (loss) carried forward14€0€0=
Provisions and deferred taxes16€75k€71k▼
Deferred taxes168€75k€71k▼
Amounts payable17/49€919k€1.07M▲
Amounts payable after more than one year17€752k€847k▲
Financial debts170/4€752k€847k▲
Trade debts175€0-
Amounts payable within one year42/48€162k€219k▲
Current portion of amounts payable after more than one year42€29k€43k▲
Financial debts43€38k€45k▲
Credit institutions430/8€38k€45k▲
Trade debts44€7k€3k▼
Suppliers440/4€7k€3k▼
Taxes, remuneration and social security45€14k€12k▼
Taxes450/3€12k€10k▼
Remuneration and social security454/9€2k€2k=
Other amounts payable47/48€75k€116k▲
Accrued charges and deferred income492/3€6k€6k=
Income statement
Code20242025
Non-recurring operating income76A-€11k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€176k€51k▼
Other operating charges640/8€7k€3k▼
Gross operating margin9900€397k€101k▼
Operating profit (loss)9901€214k€47k▼
Financial income75/76B€0€7k▲
Recurring financial income75€0€7k▲
Financial charges65/66B€26k€30k▲
Recurring financial charges65€26k€30k▲
Profit (loss) for the period before taxes9903€187k€24k▼
Transfer from deferred taxes780€1k€4k▲
Transfer to deferred taxes680€76k€0▼
Income taxes67/77€535€196▼
Profit (loss) for the period9904€111k€28k▼
Transfer from tax-exempt reserves789€3k€12k▲
Transfer to tax-exempt reserves689€229k€0▼
Profit (loss) for the period to be appropriated9905€-115k€40k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-115k€40k▲
Transfer from equity791/2€115k€8k▼
Transfer to equity691/2€0-
To other reserves6921€0-
Profit to be distributed694/7€0€48k▲
Return on contributions (dividend)694€0€48k▲
The notes to these accounts (19 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
16-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
16-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2019net €111k ▲233%
Operating result €214k, net result €111k, both a record.
31-12
Financial
Equity above €200kEq €253k ▲79%
5 profitable years in a row build equity to €253k.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
17-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €100kEq €113k ▲113%
3 profitable years in a row build equity to €113k.
17-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
01-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €26k
Net result €26k after one loss-making year.
27-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 27 days late
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, Jabbeke · 1 establishment unit since 2018
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.
Beisbroekdreef 228490 JabbekeGround area
1,244 m²
Building footprint
175 m²
Volume, LiDAR
1,035 m³
Parcel 31442C0475/00L000, Flanders · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Lu-Crum
since 20182.281.484.144
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31442C0475/00L000 | Flanders | 1,243 m² | 1 · 175 m² | 9.1 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
Jespo
BE 0844.230.392
Beringen · Eq €233k
MELC
BE 0715.531.782
Antwerpen · Eq €233k
BAAN 6
BE 0809.052.353
Antwerpen · Eq €233k
MAKASTEFLO
BE 0646.731.068
Grobbendonk · Eq €233k
MOOSH
BE 0721.928.735
Kortrijk · Eq €233k
Of 24,726 companies in sector 64210 we hold annual accounts for 19,747. 13,575 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-06-2018
Fiscal year end31-12
Activities, NACEBEL
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 7 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.