MANCI 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 €928k and a net result of €81k. Equity is growing by ~23.1% per year across the filed fiscal years. Its solvency ranks better than 37% of 5523 sector peers (fiscal year 2025). The company has been active since 2016 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 9 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-09-2026, 38 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 · 10 filingsDeviation from the deadline
2025
38 d late
2024
85 d early
2023
63 d early
2022
124 d early
2021
87 d early
2020
115 d early
2019
64 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, abbreviated schema
Equity
€928k▼ 5.5%
2024 · €982k
2018: €271k
2019: €325k
2020: €385k
2021: €403k
2022: €624k
2023: €884k
2024: €982k
2018 → 2025
Net result
€81k▼ 17.8%
2024 · €98k
2018: €64k
2019: €53k
2020: €60k
2021: €18k
2022: €221k
2023: €260k
2024: €98k
2018 → 2025
Total assets
€2.50M▲ 3.8%
2024 · €2.41M
2018: €513k
2019: €724k
2020: €1.04M
2021: €2.36M
2022: €2.20M
2023: €2.53M
2024: €2.41M
2018 → 2025
Solvency
37.1%▼ 3.7pp
2024 · 40.7%
2018: 52.9%
2019: 44.8%
2020: 37.0%
2021: 17.1%
2022: 28.3%
2023: 35.0%
2024: 40.7%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€403k-€624k▲ 54.7%€884k▲ 41.7%€982k▲ 11.1%€928k▼ 5.5%
Operating result€38k-€135k▲ 250%€226k▲ 67.8%€130k▼ 42.3%€170k▲ 30.9%
Net result€18k-€221k▲ 1,105%€260k▲ 17.9%€98k▼ 62.2%€81k▼ 17.8%
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 31% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.50M
Fixed assets
€1.53M▼ 0.9%
Current assets
€973k▲ 12.2%
Equity and liabilities €2.50M
Equity
€928k▼ 5.5%
Debt
€1.58M▲ 10.2%
The debt ratio rises from 59.3% to 62.9%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
37.1%▼
2024 · 40.7%
ROE
8.7%▼
2024 · 10.0%
ROA
3.2%▼
2024 · 4.1%
Debt
€1.58M▲
2024 · €1.43M
Debt ≤ 1 year
€925k▼
2024 · €952k
Debt > 1 year
€600k▲
2024 · €399k
Income taxes
€31k▲
2024 · €16k
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€2.41M€2.50M▲
Fixed assets21/28€1.55M€1.53M▼
Tangible fixed assets22/27€646k€613k▼
Furniture and vehicles24€59k€41k▼
Other tangible fixed assets26€588k€572k▼
Financial fixed assets28€899k€919k▲
Current assets29/58€867k€973k▲
Amounts receivable within one year40/41€458k€683k▲
Trade receivables40€27k€104k▲
Other amounts receivable41€431k€578k▲
Cash at bank and in hand54/58€380k€263k▼
Deferred charges and accrued income490/1€29k€28k▼
Equity and liabilities
Total equity and liabilities10/49€2.41M€2.50M▲
Equity10/15€982k€928k▼
Contributions10/11€19k€19k=
Reserves13€963k€909k▼
Distributable reserves133€963k€909k▼
Profit (loss) carried forward14€726€478▼
Amounts payable17/49€1.43M€1.58M▲
Amounts payable after more than one year17€399k€600k▲
Financial debts170/4€399k€600k▲
Amounts payable within one year42/48€952k€925k▼
Current portion of amounts payable after more than one year42€43k€67k▲
Financial debts43-€49
Credit institutions430/8-€49
Trade debts44€707€20k▲
Suppliers440/4€707€20k▲
Advances received on contracts in progress46€66k€0▼
Taxes, remuneration and social security45€12k€13k▲
Taxes450/3€7k€13k▲
Remuneration and social security454/9€5k€0▼
Other amounts payable47/48€832k€825k▼
Accrued charges and deferred income492/3€80k€51k▼
Income statement
Code20242025
Non-recurring operating income76A-€16k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€43k€33k▼
Other operating charges640/8€6k€7k▲
Gross operating margin9900€179k€210k▲
Operating profit (loss)9901€130k€170k▲
Financial income75/76B€91k€21k▼
Recurring financial income75€90k€21k▼
Non-recurring financial income76B€1k€0▼
Financial charges65/66B€107k€79k▼
Recurring financial charges65€107k€79k▼
Profit (loss) for the period before taxes9903€115k€112k▼
Income taxes67/77€16k€31k▲
Profit (loss) for the period9904€98k€81k▼
Profit (loss) for the period to be appropriated9905€98k€81k▼
Appropriation of the result
Profit (loss) to be appropriated9906€99k€81k▼
Profit (loss) brought forward from the previous period14P€434€726▲
Transfer from equity791/2-€135k
Transfer to equity691/2€98k€81k▼
To other reserves6921€98k€81k▼
Profit to be distributed694/7-€135k
Return on contributions (dividend)694-€135k
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (17 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
07-09
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 38 days late
2025
07-05
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
29-05
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2018net €260k ▲17.9%
Operating result €226k, net result €260k, both a record.
29-03
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Equity above €500kEq €624k ▲54.7%
5 profitable years in a row build equity to €624k.
05-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €18k ▼69.6%
Net result drops to €18k, the lowest in the series; recovery starts the following year.
07-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
28-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
17-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
31-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Zandhoven · 1 establishment unit since 2016
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.
Liersebaan 932240 ZandhovenGround area
2,092 m²
Building footprint
585 m²
Volume, LiDAR
2,085 m³
Parcel 11054B0431/00S000, Flanders · tallest building 7.3 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Manci
since 20162.250.955.868
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11054B0431/00S000 | Flanders | 2,092 m² | 1 · 585 m² | 7.3 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.
Similar companies · same sector, comparable size
ROBRECHT
BE 0478.067.666
Gent · Eq €928k
IL Farma
BE 0726.598.789
Oud-Turnhout · Eq €928k
D. & P. - SERVICE
BE 0423.114.097
Kruisem · Eq €928k
LV VENDO
BE 0501.615.902
Pittem · Eq €928k
Kelgtermans M & B
BE 0501.989.351
Lommel · Eq €928k
Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 12,867 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-01-2016
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 10 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.