LUNADVICE 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 €725k and a net result of €2.41M. Equity is shrinking by ~3.8% per year across the filed fiscal years. Its solvency ranks better than 62% of 2429 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.
−lowers risk○neutral
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €725k
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 · 8 filingsDeviation from the deadline
2025
81 d early
2024
83 d early
2023
89 d early
2022
82 d early
2021
44 d early
2020
1 d early
2019
17 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€725k▲ 698%
2024 · €91k
2018: €117k
2019: €337k
2020: €555k
2021: €113k
2022: €113k
2023: €94k
2024: €91k
2018 → 2025
Net result
€2.41M▲ 177%
2024 · €872k
2018: €52k
2019: €221k
2020: €243k
2021: €765k
2022: €1.49M
2023: €1.24M
2024: €872k
2018 → 2025
Total assets
€1.14M▲ 865%
2024 · €118k
2018: €131k
2019: €433k
2020: €737k
2021: €1.36M
2022: €1.15M
2023: €611k
2024: €118k
2018 → 2025
Solvency
63.8%▼ 13.3pp
2024 · 77.1%
2018: 88.8%
2019: 77.7%
2020: 75.3%
2021: 8.3%
2022: 9.8%
2023: 15.4%
2024: 77.1%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€113k-€113k=€94k▼ 16.4%€91k▼ 3.6%€725k▲ 698%
Operating result€1.02M-€1.98M▲ 94.4%€1.65M▼ 16.6%€1.15M▼ 30.4%€1.43M▲ 24.2%
Net result€765k-€1.49M▲ 94.7%€1.24M▼ 16.7%€872k▼ 29.8%€2.41M▲ 177%
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 24% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.14M
Fixed assets
€781k▲ 1,678%
Current assets
€355k▲ 382%
Equity and liabilities €1.14M
Equity
€725k▲ 698%
Debt
€411k▲ 1,428%
The debt ratio rises from 22.9% to 36.2%. Equity and debt are higher.
Key figures and ratios
Solvency
63.8%▼
2024 · 77.1%
ROE
333.0%▼
2024 · 960.1%
ROA
212.5%▼
2024 · 740.6%
Debt
€411k▲
2024 · €27k
Debt ≤ 1 year
€411k▲
2024 · €27k
Income taxes
€359k▲
2024 · €285k
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€118k€1.14M▲
Fixed assets21/28€44k€781k▲
Tangible fixed assets22/27€2k€2k▲
Furniture and vehicles24€2k€2k▲
Financial fixed assets28€42k€779k▲
Current assets29/58€74k€355k▲
Amounts receivable within one year40/41€18k€65k▲
Trade receivables40€0€60k▲
Other amounts receivable41€18k€5k▼
Cash at bank and in hand54/58€54k€289k▲
Deferred charges and accrued income490/1€2k€1k▼
Equity and liabilities
Total equity and liabilities10/49€118k€1.14M▲
Equity10/15€91k€725k▲
Contributions10/11€65k€65k=
Profit (loss) carried forward14€26k€660k▲
Amounts payable17/49€27k€411k▲
Amounts payable within one year42/48€27k€411k▲
Trade debts44€2k€2k▼
Suppliers440/4€2k€2k▼
Taxes, remuneration and social security45€4k€329k▲
Taxes450/3€4k€329k▲
Other amounts payable47/48€20k€80k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€760€989▲
Other operating charges640/8€1k€524▼
Gross operating margin9900€1.15M€1.43M▲
Operating profit (loss)9901€1.15M€1.43M▲
Financial income75/76B€8k€1.35M▲
Recurring financial income75€8k€1.35M▲
Financial charges65/66B€4k€4k▼
Recurring financial charges65€4k€4k▼
Profit (loss) for the period before taxes9903€1.16M€2.77M▲
Income taxes67/77€285k€359k▲
Profit (loss) for the period9904€872k€2.41M▲
Profit (loss) for the period to be appropriated9905€872k€2.41M▲
Appropriation of the result
Profit (loss) to be appropriated9906€901k€2.44M▲
Profit (loss) brought forward from the previous period14P€29k€26k▼
Transfer from equity791/2€0-
Profit to be distributed694/7€875k€1.78M▲
Return on contributions (dividend)694€875k€1.78M▲
The notes to these accounts (9 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
11-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €2.41M ▲177%
Net result €2.41M, the highest in the series.
31-12
Financial
Equity above €500kEq €725k ▲698%
8 profitable years in a row build equity to €725k.
09-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity triplescurrent ratio 2.74
Current ratio from 1.10 to 2.74; short-term debt falls from €517k to €27k.
03-05
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
10-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
17-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €500kEq €555k ▲64.8%
3 profitable years in a row build equity to €555k.
14-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €200kEq €337k ▲189%
2 profitable years in a row build equity to €337k.
20-06
NBB filing
Annual accounts filed
fiscal year 2018 · 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, Putte · 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.
Heiststeenweg 592580 PutteGround area
1,502 m²
Building footprint
241 m²
Volume, LiDAR
1,208 m³
Parcel 12001B0048/00S000, Flanders · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
LUNADVICE
since 20182.276.724.711
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12001B0048/00S000 | Flanders | 1,502 m² | 1 · 241 m² | 9.3 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.
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Of 1,507 companies in sector 66199 we hold annual accounts for 917. 569 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-05-2018
Fiscal year end31-12
Activities, NACEBEL
66199Other activities auxiliary to financial services, excluding insurance and pension funding
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.