Summary
MindR4U 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 €215k and a net result of €-5k. Equity is growing by ~12% per year across the filed fiscal years. Its solvency ranks better than 95% of 8023 sector peers (fiscal year 2025). The company has been active since 2019 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
1 signal. 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 03-07-2026, 28 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
28 d early
2024
77 d early
2023
22 d early
2022
7 d early
2021
30 d early
2020
23 d early
2019
31 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€215k▼ 2.4%
2024 · €221k
2019: €16k
2020: €87k
2021: €213k
2022: €213k
2023: €230k
2024: €221k
2019 → 2025
Net result
€-5k▲ 42.5%
2024 · €-9k
2019: €4k
2020: €71k
2021: €126k
2022: €153k
2023: €19k
2024: €-9k
2019 → 2025
Total assets
€216k▼ 4.6%
2024 · €226k
2019: €78k
2020: €175k
2021: €326k
2022: €533k
2023: €238k
2024: €226k
2019 → 2025
Solvency
99.6%▲ 2.2pp
2024 · 97.4%
2019: 20.5%
2020: 49.9%
2021: 65.3%
2022: 39.9%
2023: 96.6%
2024: 97.4%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€213k-€213k=€230k▲ 8.0%€221k▼ 4.0%€215k▼ 2.4%
Operating result€179k-€201k▲ 12.0%€26k▼ 87.2%€-7k€-7k▲ 0.2%
Net result€126k-€153k▲ 21.3%€19k▼ 87.8%€-9k€-5k▲ 42.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €7k in 2025 against €7k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €216k
Fixed assets
€6k ▼ 23.8%
Current assets
€210k ▼ 3.9%
Equity and liabilities €216k
Equity
€215k ▼ 2.4%
Provisions
€0 ▼ 100%
Debt
€828 ▲ 53.3%
Debt's share of the balance-sheet total rises from 0.2% to 0.4%. Equity is lower and debt is higher.
Key figures and ratios
ROE
-2.5%▲
2024 · -4.2%
ROA
-2.4%▲
2024 · -4.1%
Debt ≤ 1 year
€828▲
2024 · €540
Income taxes
€304▼
2024 · €324
A ratio outside any meaningful range has been withheld (balance sheet total €216k, equity €215k).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€226k€216k▼
Fixed assets21/28€8k€6k▼
Tangible fixed assets22/27€8k€6k▼
Furniture and vehicles24€8k€6k▼
Current assets29/58€219k€210k▼
Amounts receivable within one year40/41€6k€8k▲
Trade receivables40-€153
Other amounts receivable41€6k€8k▲
Current investments50/53€200k€190k▼
Cash at bank and in hand54/58€10k€11k▲
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€226k€216k▼
Equity10/15€221k€215k▼
Contributions10/11€12k€12k=
Reserves13€217k€217k=
Distributable reserves133€217k€217k=
Profit (loss) carried forward14€-9k€-14k▼
Provisions and deferred taxes16€5k€0▼
Provisions for liabilities and charges160/5€5k€0▼
Other liabilities and charges164/5€5k€0▼
Amounts payable17/49€540€828▲
Amounts payable within one year42/48€540€828▲
Trade debts44€325€520▲
Suppliers440/4€325€520▲
Taxes, remuneration and social security45€215€308▲
Taxes450/3€215€308▲
Other amounts payable47/48€0-
Income statement
Code20242025
Remuneration, social security and pensions62€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▼
Provisions for liabilities and charges: additions (uses and reversals)635/8€0€-5k▼
Other operating charges640/8€1k€1k▼
Non-recurring operating charges66A€0-
Gross operating margin9900€-4k€-10k▼
Operating profit (loss)9901€-7k€-7k▲
Financial income75/76B€180€4k▲
Recurring financial income75€180€4k▲
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€-9k€-5k▲
Income taxes67/77€324€304▼
Profit (loss) for the period9904€-9k€-5k▲
Profit (loss) for the period to be appropriated9905€-9k€-5k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-9k€-14k▼
Profit (loss) brought forward from the previous period14P€0€-9k▼
Transfer to equity691/2€0-
To other reserves6921€0-
Profit to be distributed694/7€0-
Return on contributions (dividend)694€0-
The notes to these accounts (4 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
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
15-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-9k ▼149%
Net result drops to €-9k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 5current ratio 405.60
Current ratio from 81.42 to 405.60; short-term debt falls from €3k to €540.
09-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity times 40current ratio 81.42
Current ratio from 2.03 to 81.42; short-term debt falls from €248k to €3k.
24-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2019net €153k ▲21.3%
Operating result €201k, net result €153k, both a record.
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €200kEq €213k ▲143%
3 profitable years in a row build equity to €213k.
08-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
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, Beveren-Kruibeke-Zwijndrecht · 1 establishment unit since 2019
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.
Paul Chardômestraat 29150 Beveren-Kruibeke-ZwijndrechtGround area
4,965 m²
Building footprint
575 m²
Volume, LiDAR
18,952 m³
Parcel 46018A0529/00L002, Flanders · tallest building 36.3 m, ±11 floors. Linked by address, not a title deed.
1 establishment unit
MindR4U
since 20192.289.963.528
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46018A0529/00L002 | Flanders | 4,964 m² | 1 · 575 m² | 36.3 m · 11 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 24,725 companies in sector 64210 we hold annual accounts for 19,762. 13,547 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-05-2019
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
70100Activities of head offices
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.