M&A Management 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 €393k and a net result of €104k. Equity is growing by ~31% per year across the filed fiscal years. Its solvency ranks better than 38% of 8018 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
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 7 filingsDeviation from the deadline
2025
24 d late
2024
on the day
2023
41 d early
2022
26 d early
2021
32 d early
2020
6 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€393k▼ 46.8%
2024 · €739k
2019: €103k
2020: €243k
2021: €356k
2022: €362k
2023: €668k
2024: €739k
2019 → 2025
Net result
€104k▲ 46.7%
2024 · €71k
2019: €101k
2020: €140k
2021: €112k
2022: €155k
2023: €396k
2024: €71k
2019 → 2025
Total assets
€1.08M▲ 2.7%
2024 · €1.05M
2019: €168k
2020: €307k
2021: €709k
2022: €827k
2023: €1.06M
2024: €1.05M
2019 → 2025
Solvency
36.5%▼ 33.9pp
2024 · 70.4%
2019: 61.5%
2020: 79.3%
2021: 50.2%
2022: 43.8%
2023: 63.0%
2024: 70.4%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€356k-€362k▲ 1.9%€668k▲ 84.4%€739k▲ 10.6%€393k▼ 46.8%
Operating result€148k-€199k▲ 34.0%€56k▼ 71.7%€141k▲ 151%€145k▲ 2.8%
Net result€112k-€155k▲ 38.4%€396k▲ 155%€71k▼ 82.1%€104k▲ 46.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 3% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.08M
Fixed assets
€434k▼ 7.6%
Current assets
€644k▲ 11.0%
Equity and liabilities €1.08M
Equity
€393k▼ 46.8%
Debt
€685k▲ 120%
The debt ratio rises from 29.6% to 63.5%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
36.5%▼
2024 · 70.4%
ROE
26.5%▲
2024 · 9.6%
ROA
9.6%▲
2024 · 6.8%
Debt
€685k▲
2024 · €311k
Debt ≤ 1 year
€455k▲
2024 · €61k
Debt > 1 year
€227k▼
2024 · €246k
Income taxes
€39k▲
2024 · €34k
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€1.05M€1.08M▲
Fixed assets21/28€470k€434k▼
Tangible fixed assets22/27€458k€422k▼
Land and buildings22€397k€373k▼
Furniture and vehicles24€61k€50k▼
Financial fixed assets28€12k€12k=
Current assets29/58€580k€644k▲
Amounts receivable within one year40/41€124k€55k▼
Other amounts receivable41€124k€55k▼
Current investments50/53€437k€567k▲
Cash at bank and in hand54/58€16k€22k▲
Deferred charges and accrued income490/1€3k-
Equity and liabilities
Total equity and liabilities10/49€1.05M€1.08M▲
Equity10/15€739k€393k▼
Contributions10/11€19k€19k=
Reserves13€720k€375k▼
Distributable reserves133€720k€375k▼
Amounts payable17/49€311k€685k▲
Amounts payable after more than one year17€246k€227k▼
Financial debts170/4€246k€227k▼
Amounts payable within one year42/48€61k€455k▲
Current portion of amounts payable after more than one year42€19k€19k▲
Trade debts44€2k€2k▼
Suppliers440/4€2k€2k▼
Taxes, remuneration and social security45€6k€6k=
Taxes450/3€6k€6k=
Other amounts payable47/48€35k€428k▲
Accrued charges and deferred income492/3€3k€3k=
Income statement
Code20242025
Non-recurring operating income76A€30k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€38k€41k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€181k€189k▲
Operating profit (loss)9901€141k€145k▲
Financial income75/76B€16k€26k▲
Recurring financial income75€16k€26k▲
Financial charges65/66B€52k€28k▼
Recurring financial charges65€52k€28k▼
Profit (loss) for the period before taxes9903€105k€143k▲
Income taxes67/77€34k€39k▲
Profit (loss) for the period9904€71k€104k▲
Profit (loss) for the period to be appropriated9905€71k€104k▲
Appropriation of the result
Profit (loss) to be appropriated9906€71k€104k▲
Transfer from equity791/2-€346k
Transfer to equity691/2€71k-
To other reserves6921€71k-
Profit to be distributed694/7-€450k
Return on contributions (dividend)694-€450k
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
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 24 days late
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €71k ▼82.1%
Net result drops to €71k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 9.45
Current ratio from 4.34 to 9.45; short-term debt falls from €152k to €61k.
20-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2019net €396k ▲155%
Net result €396k, the highest in the series.
31-12
Financial
Liquidity doublescurrent ratio 4.34
Current ratio from 1.79 to 4.34; short-term debt falls from €207k to €152k.
31-12
Financial
Equity above €500kEq €668k ▲84.4%
5 profitable years in a row build equity to €668k.
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
06-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 6 days late
2020
31-12
Financial
Equity above €200kEq €243k ▲136%
2 profitable years in a row build equity to €243k.
25-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Antwerpen · 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.
Coebergerstraat 232018 AntwerpenGround area
127 m²
Building footprint
94 m²
Volume, LiDAR
879 m³
Parcel 11810K1755/00Z003, Flanders · tallest building 12.5 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
M&A Management
since 20182.272.655.263
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11810K1755/00Z003 | Flanders | 127 m² | 1 · 94 m² | 12.5 m · 4 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.
Recognitions · licences · registrations
Legal Entity Identifier
875500VA0AHHY8X7QA69
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Of 807 companies in sector 64999 we hold annual accounts for 484. 307 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-01-2018
Fiscal year end31-12
Activities, NACEBEL
64999Other financial services
64921Financial service activities, except insurance and pension funding
66191Agents and brokers in banking services
66199Other activities auxiliary to financial services, excluding insurance and pension funding
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.