Maniquet Els 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 €971k and a net result of €138k. Equity is growing by ~13% per year across the filed fiscal years. Its solvency ranks better than 71% of 2429 sector peers (fiscal year 2025). The company has been active since 2013 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 08-05-2026, 84 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
84 d early
2024
86 d early
2023
1 d early
2022
23 d late
2021
12 d late
2020
26 d late
2019
12 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€971k▲ 16.6%
2024 · €833k
2018: €351k
2019: €431k
2020: €442k
2021: €595k
2022: €667k
2023: €734k
2024: €833k
2018 → 2025
Net result
€138k▲ 40.6%
2024 · €98k
2018: €84k
2019: €79k
2020: €70k
2021: €153k
2022: €72k
2023: €68k
2024: €98k
2018 → 2025
Total assets
€1.34M▲ 7.5%
2024 · €1.24M
2018: €456k
2019: €530k
2020: €767k
2021: €1.16M
2022: €1.21M
2023: €1.21M
2024: €1.24M
2018 → 2025
Solvency
72.6%▲ 5.7pp
2024 · 66.9%
2018: 77.1%
2019: 81.2%
2020: 57.6%
2021: 51.2%
2022: 55.2%
2023: 60.8%
2024: 66.9%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€595k-€667k▲ 12.0%€734k▲ 10.1%€833k▲ 13.4%€971k▲ 16.6%
Operating result€194k-€107k▼ 44.9%€100k▼ 5.8%€145k▲ 44.0%€200k▲ 38.3%
Net result€153k-€72k▼ 53.2%€68k▼ 5.8%€98k▲ 45.7%€138k▲ 40.6%
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 38% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.34M
Fixed assets
€557k▼ 9.6%
Current assets
€780k▲ 24.3%
Equity and liabilities €1.34M
Equity
€971k▲ 16.6%
Debt
€366k▼ 11.0%
The debt ratio falls from 33.1% to 27.4%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
72.6%▲
2024 · 66.9%
ROE
14.2%▲
2024 · 11.8%
ROA
10.3%▲
2024 · 7.9%
Debt
€366k▼
2024 · €411k
Debt ≤ 1 year
€93k▲
2024 · €90k
Debt > 1 year
€272k▼
2024 · €319k
Income taxes
€62k▲
2024 · €44k
Staff costs
€193k▲
2024 · €172k
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€1.24M€1.34M▲
Fixed assets21/28€617k€557k▼
Tangible fixed assets22/27€617k€557k▼
Land and buildings22€562k€526k▼
Plant, machinery and equipment23€4k€6k▲
Furniture and vehicles24€51k€25k▼
Current assets29/58€627k€780k▲
Amounts receivable within one year40/41€50k€73k▲
Trade receivables40-€49k
Other amounts receivable41€50k€24k▼
Cash at bank and in hand54/58€570k€696k▲
Deferred charges and accrued income490/1€7k€10k▲
Equity and liabilities
Total equity and liabilities10/49€1.24M€1.34M▲
Equity10/15€833k€971k▲
Contributions10/11€19k€19k=
Reserves13€814k€952k▲
Tax-exempt reserves132€180€180=
Distributable reserves133€814k€952k▲
Amounts payable17/49€411k€366k▼
Amounts payable after more than one year17€319k€272k▼
Financial debts170/4€319k€272k▼
Amounts payable within one year42/48€90k€93k▲
Current portion of amounts payable after more than one year42€47k€47k▲
Trade debts44€2k€4k▲
Suppliers440/4€2k€4k▲
Taxes, remuneration and social security45€31k€32k▲
Taxes450/3€17k€7k▼
Remuneration and social security454/9€13k€25k▲
Other amounts payable47/48€10k€10k▼
Accrued charges and deferred income492/3€2k€823▼
Income statement
Code20242025
Remuneration, social security and pensions62€172k€193k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€64k€64k▲
Other operating charges640/8€5k€5k▲
Gross operating margin9900€385k€462k▲
Operating profit (loss)9901€145k€200k▲
Financial income75/76B€3k€5k▲
Recurring financial income75€3k€5k▲
Financial charges65/66B€4k€4k▼
Recurring financial charges65€4k€4k▼
Profit (loss) for the period before taxes9903€143k€201k▲
Income taxes67/77€44k€62k▲
Profit (loss) for the period9904€98k€138k▲
Profit (loss) for the period to be appropriated9905€98k€138k▲
Appropriation of the result
Profit (loss) to be appropriated9906€98k€138k▲
Transfer to equity691/2€98k€138k▲
To other reserves6921€98k€138k▲
The notes to these accounts (15 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
08-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
06-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €68k ▼5.8%
Net result drops to €68k, the lowest in the series; recovery starts the following year.
23-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 23 days late
2022
12-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 12 days late
2021
31-12
Financial
Highest result since 2018net €153k ▲120%
Net result €153k, the highest in the series.
31-12
Financial
Equity above €500kEq €595k ▲34.7%
4 profitable years in a row build equity to €595k.
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
12-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 12 days late
2019
19-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 19 days late
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 27 days late
2017
22-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 22 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, Kortenaken · 1 establishment unit since 2013
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.
Commendries 33472 KortenakenGround area
1,277 m²
Building footprint
298 m²
Volume, LiDAR
2,029 m³
2 parcels, Flanders · tallest building 13.6 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Stationsstraat 23, 3400 Landen
since 20132.216.880.263
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24050A0124/00C000 | Flanders | 1,161 m² | 1 · 182 m² | 8.0 m · 2 fl. |
| 24059A1353/00V002 | Flanders | 116 m² | 1 · 116 m² | 13.6 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 731 EUR awarded · 731 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 731 EUR | 731 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 1,680 companies in sector 66191 we hold annual accounts for 1,229. 874 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-02-2013
Fiscal year end31-12
Activities, NACEBEL
66191Agents and brokers in banking services
Sources
Crossroads Bank for EnterprisesNational Bank · 12 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.