MOORS & MORE 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 €157k and a net result of €-40k. Equity remains stable across the filed fiscal years (±1.1% per year). Its solvency ranks better than 15% of 5527 sector peers (fiscal year 2025). The company has been active since 2003 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
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 5527 sector peers (2025).
NBB · sector comparisonPosition among 5527 sector peers
Solvency
better than 15%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
27 d late
2024
27 d late
2023
30 d late
2022
31 d late
2021
12 d late
2020
11 d late
2019
46 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€157k▼ 20.2%
2024 · €197k
2018: €193k
2019: €183k
2020: €188k
2021: €235k
2022: €234k
2023: €223k
2024: €197k
2018 → 2025
Net result
€-40k▼ 55.8%
2024 · €-26k
2018: €-11k
2019: €-10k
2020: €5k
2021: €48k
2022: €-2k
2023: €-11k
2024: €-26k
2018 → 2025
Total assets
€1.24M▲ 54.7%
2024 · €803k
2018: €626k
2019: €627k
2020: €674k
2021: €675k
2022: €794k
2023: €629k
2024: €803k
2018 → 2025
Solvency
12.7%▼ 11.9pp
2024 · 24.6%
2018: 30.8%
2019: 29.1%
2020: 27.8%
2021: 34.9%
2022: 29.4%
2023: 35.5%
2024: 24.6%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€235k-€234k▼ 0.8%€223k▼ 4.6%€197k▼ 11.5%€157k▼ 20.2%
Operating result€53k-€23k▼ 56.9%€14k▼ 37.8%€2k▼ 83.7%€-26k
Net result€48k-€-2k€-11k▼ 503%€-26k▼ 138%€-40k▼ 55.8%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €26k after €2k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.24M
Fixed assets
€811k▲ 79.5%
Current assets
€430k▲ 22.8%
Equity and liabilities €1.24M
Equity
€157k▼ 20.2%
Debt
€1.08M▲ 79.2%
The debt ratio rises from 75.4% to 87.3%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
12.7%▼
2024 · 24.6%
ROE
-25.4%▼
2024 · -13.0%
ROA
-3.2%▼
2024 · -3.2%
Debt
€1.08M▲
2024 · €605k
Debt ≤ 1 year
€356k▲
2024 · €168k
Debt > 1 year
€691k▲
2024 · €369k
Income taxes
€0▼
2024 · €10k
Staff costs
€688▼
2024 · €10k
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€803k€1.24M▲
Fixed assets21/28€452k€811k▲
Intangible fixed assets21€271k€217k▼
Tangible fixed assets22/27€179k€593k▲
Land and buildings22€179k€473k▲
Plant, machinery and equipment23-€118k
Furniture and vehicles24-€1k
Financial fixed assets28€2k€2k=
Current assets29/58€351k€430k▲
Stocks and contracts in progress3€100k€91k▼
Stocks30/36€100k€91k▼
Amounts receivable within one year40/41€208k€186k▼
Trade receivables40€93k€41k▼
Other amounts receivable41€114k€146k▲
Cash at bank and in hand54/58€33k€143k▲
Deferred charges and accrued income490/1€9k€9k▲
Equity and liabilities
Total equity and liabilities10/49€803k€1.24M▲
Equity10/15€197k€157k▼
Contributions10/11€19k€19k=
Reserves13€217k€217k=
Distributable reserves133€217k€217k=
Profit (loss) carried forward14€-38k€-78k▼
Amounts payable17/49€605k€1.08M▲
Amounts payable after more than one year17€369k€691k▲
Financial debts170/4€369k€691k▲
Amounts payable within one year42/48€168k€356k▲
Current portion of amounts payable after more than one year42€28k€65k▲
Financial debts43€120k€120k=
Credit institutions430/8€120k€120k=
Trade debts44€0€106k▲
Suppliers440/4€0€106k▲
Taxes, remuneration and social security45€0€115▲
Taxes450/3€0€115▲
Remuneration and social security454/9€0-
Other amounts payable47/48€20k€65k▲
Accrued charges and deferred income492/3€68k€37k▼
Income statement
Code20242025
Remuneration, social security and pensions62€10k€688▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€55k€66k▲
Other operating charges640/8€23k€3k▼
Gross operating margin9900€91k€44k▼
Operating profit (loss)9901€2k€-26k▼
Financial income75/76B€2k€2k▲
Recurring financial income75€2k€2k▲
Financial charges65/66B€20k€16k▼
Recurring financial charges65€20k€16k▼
Profit (loss) for the period before taxes9903€-16k€-40k▼
Income taxes67/77€10k€0▼
Profit (loss) for the period9904€-26k€-40k▼
Profit (loss) for the period to be appropriated9905€-26k€-40k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-38k€-78k▼
Profit (loss) brought forward from the previous period14P€-13k€-38k▼
Social balance
Average headcount (FTE)90870.30.0▼
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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 27 days late
2025
31-12
Financial
Weakest financial yearnet €-40k
Net result drops to €-40k, the lowest in the series.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 27 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 30 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 31 days late
2022
31-12
Financial
Liquidity doublescurrent ratio 2.03
Current ratio from 0.86 to 2.03; short-term debt falls from €277k to €202k.
12-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 12 days late
2021
31-12
Financial
Highest result since 2018net €48k ▲882%
Operating result €53k, net result €48k, both a record.
31-12
Financial
Equity above €200kEq €235k ▲25.5%
2 profitable years in a row build equity to €235k.
11-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 11 days late
2020
31-12
Financial
Back to profitnet €5k
Net result €5k after 2 loss-making years.
15-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
08-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
31-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
24-07
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
6 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, Sint-Truiden · 1 establishment unit since 2003
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.
Nieuwpoort 203800 Sint-TruidenGround area
191 m²
Building footprint
137 m²
Volume, LiDAR
1,355 m³
Parcel 71053H0212/00N000, Flanders · tallest building 12.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
MOORS & MORE
since 20032.134.310.301
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71053H0212/00N000 | Flanders | 191 m² | 1 · 137 m² | 12.9 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.
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,764. 13,315 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-05-2003
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
68110Buying and selling of own real estate
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 23 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.