Matheusen-Backx 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 €138k and a net result of €7k. Equity is shrinking by ~12.1% per year across the filed fiscal years. Its solvency ranks better than 27% of 1468 sector peers (fiscal year 2025). The company has been active since 1983 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 30-06-2025 was due by 31-01-2026 and was filed on 22-01-2026, 9 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
9 d early
2024
1 d early
2023
9 d early
2022
28 d early
2021
28 d early
2020
41 d early
2019
7 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close20-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€138k▲ 5.0%
2024 · €131k
2019: €235k
2020: €254k
2021: €252k
2022: €173k
2023: €164k
2024: €131k
2019 → 2025
Net result
€7k
2024 · €-33k
2019: €193k
2020: €269k
2021: €263k
2022: €257k
2023: €-409
2024: €-33k
2019 → 2025
Total assets
€751k▲ 45.4%
2024 · €517k
2019: €714k
2020: €758k
2021: €731k
2022: €610k
2023: €395k
2024: €517k
2019 → 2025
Solvency
18.3%▼ 7.0pp
2024 · 25.3%
2019: 32.9%
2020: 33.5%
2021: 34.5%
2022: 28.3%
2023: 41.4%
2024: 25.3%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€252k-€173k▼ 31.6%€164k▼ 5.1%€131k▼ 20.0%€138k▲ 5.0%
Operating result€261k-€262k▲ 0.4%€399▼ 99.8%€-26k€12k
Net result€263k-€257k▼ 2.2%€-409€-33k▼ 7,917%€7k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €12k after a loss of €26k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €751k
Fixed assets
€617k▲ 68.8%
Current assets
€134k▼ 11.3%
Equity and liabilities €751k
Equity
€138k▲ 5.0%
Debt
€614k▲ 59.1%
The debt ratio rises from 74.7% to 81.7%. Equity and debt are higher.
Key figures and ratios
Solvency
18.3%▼
2024 · 25.3%
ROE
4.8%▲
2024 · -25.1%
ROA
0.9%▲
2024 · -6.3%
Debt
€614k▲
2024 · €386k
Debt ≤ 1 year
€385k▲
2024 · €103k
Debt > 1 year
€228k▼
2024 · €283k
Income taxes
€1k▼
2024 · €1k
Staff costs
€401k▲
2024 · €395k
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€517k€751k▲
Fixed assets21/28€366k€617k▲
Tangible fixed assets22/27€366k€617k▲
Land and buildings22€242k€527k▲
Plant, machinery and equipment23€11k€8k▼
Furniture and vehicles24€108k€78k▼
Other tangible fixed assets26€4k€4k=
Current assets29/58€151k€134k▼
Amounts receivable within one year40/41€73k€66k▼
Trade receivables40€73k€66k▼
Other amounts receivable41€156€225▲
Cash at bank and in hand54/58€69k€56k▼
Deferred charges and accrued income490/1€9k€12k▲
Equity and liabilities
Total equity and liabilities10/49€517k€751k▲
Equity10/15€131k€138k▲
Contributions10/11€75k€75k=
Capital10€75k€75k=
Issued capital100€75k€75k=
Reserves13€89k€89k=
Non-distributable reserves130/1€15k€15k=
Legal reserve130€15k€15k=
Distributable reserves133€73k€73k=
Profit (loss) carried forward14€-33k€-26k▲
Amounts payable17/49€386k€614k▲
Amounts payable after more than one year17€283k€228k▼
Financial debts170/4€283k€228k▼
Amounts payable within one year42/48€103k€385k▲
Current portion of amounts payable after more than one year42€55k€55k▼
Trade debts44€29k€298k▲
Suppliers440/4€29k€298k▲
Taxes, remuneration and social security45€19k€13k▼
Taxes450/3€3k€2k▼
Remuneration and social security454/9€15k€11k▼
Other amounts payable47/48€46€19k▲
Income statement
Code20242025
Remuneration, social security and pensions62€395k€401k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€90k€111k▲
Other operating charges640/8€4k€4k▲
Gross operating margin9900€462k€529k▲
Operating profit (loss)9901€-26k€12k▲
Financial income75/76B€8€124▲
Recurring financial income75€8€124▲
Financial charges65/66B€5k€4k▼
Recurring financial charges65€5k€4k▼
Profit (loss) for the period before taxes9903€-31k€8k▲
Income taxes67/77€1k€1k▼
Profit (loss) for the period9904€-33k€7k▲
Profit (loss) for the period to be appropriated9905€-33k€7k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-33k€-26k▲
Profit (loss) brought forward from the previous period14P-€-33k
Social balance
Average headcount (FTE)90875.55.4▼
The notes to these accounts (10 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
22-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-06
Financial
Back to profitnet €7k
Net result €7k after 2 loss-making years.
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-06
Financial
Weakest financial yearnet €-33k
Net result drops to €-33k, the lowest in the series; recovery starts the following year.
22-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
03-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
03-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2020
21-12
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
30-06
Financial
Highest result since 2019net €269k ▲38.9%
Operating result €284k, net result €269k, both a record.
24-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
10-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
22-12
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
14-01
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
no sitting director, no change since 2016
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
31-12-2016
Resigned as Director
Location & real-estate footprint
Registered office, Essen · 1 establishment unit since 1983
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.
Stationsstraat 53A2910 EssenGround area
305 m²
Building footprint
316 m²
Volume, LiDAR
2,542 m³
Parcel 11016A0073/00K002, Flanders · tallest building 17.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
ARGENTA
since 19832.022.799.002
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11016A0073/00K002 | Flanders | 305 m² | 1 · 316 m² | 17.2 m · 3 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 2,964 EUR awarded · 2,964 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,017 EUR | 1,017 EUR |
| 2024 | 1 | 1,426 EUR | 1,426 EUR |
| 2023 | 1 | 347 EUR | 347 EUR |
| 2022 | 1 | 174 EUR | 174 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. 1,096 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded07-07-1983
Fiscal year end30-06
Activities, NACEBEL
66191Agents and brokers in banking services
Sources
Crossroads Bank for EnterprisesNational Bank · 42 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.