Nadir21 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 €14k and a net result of €9k. Equity is shrinking by ~2.6% per year across the filed fiscal years. Its solvency ranks better than 14% of 8013 sector peers (fiscal year 2025). The company has been active since 2021 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 14% of 8013 sector peers (2025).
NBB · sector comparisonPosition among 8013 sector peers
Solvency
better than 14%
← weakest
strongest →
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 26-08-2026, 26 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 · 5 filingsDeviation from the deadline
2025
26 d late
2024
17 d early
2023
19 d early
2022
18 d early
2021
2 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€14k▼ 89.0%
2024 · €125k
2021: €76k
2022: €108k
2023: €142k
2024: €125k
2021 → 2025
Net result
€9k▼ 54.2%
2024 · €19k
2021: €71k
2022: €32k
2023: €34k
2024: €19k
2021 → 2025
Total assets
€191k▲ 39.7%
2024 · €137k
2021: €117k
2022: €149k
2023: €158k
2024: €137k
2021 → 2025
Solvency
7.2%▼ 84.3pp
2024 · 91.5%
2021: 64.6%
2022: 72.5%
2023: 90.1%
2024: 91.5%
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€76k-€108k▲ 42.5%€142k▲ 31.7%€125k▼ 11.9%€14k▼ 89.0%
Operating result€90k-€44k▼ 50.7%€47k▲ 5.2%€28k▼ 40.0%€15k▼ 47.7%
Net result€71k-€32k▼ 54.5%€34k▲ 6.2%€19k▼ 44.0%€9k▼ 54.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 48% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €191k
Fixed assets
€53k▲ 1,582%
Current assets
€138k▲ 3.6%
Equity and liabilities €191k
Equity
€14k▼ 89.0%
Debt
€177k▲ 1,420%
The debt ratio rises from 8.5% to 92.8%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
7.2%▼
2024 · 91.5%
ROE
63.7%▲
2024 · 15.3%
ROA
4.6%▼
2024 · 14.0%
Debt
€177k▲
2024 · €12k
Debt ≤ 1 year
€150k▲
2024 · €12k
Debt > 1 year
€28k
Income taxes
€4k▼
2024 · €6k
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€137k€191k▲
Fixed assets21/28€3k€53k▲
Tangible fixed assets22/27€3k€53k▲
Furniture and vehicles24€858€51k▲
Other tangible fixed assets26€2k€2k▼
Current assets29/58€134k€138k▲
Amounts receivable within one year40/41€127k€131k▲
Trade receivables40€95k€96k▲
Other amounts receivable41€31k€35k▲
Cash at bank and in hand54/58€7k€6k▼
Deferred charges and accrued income490/1-€2k
Equity and liabilities
Total equity and liabilities10/49€137k€191k▲
Equity10/15€125k€14k▼
Contributions10/11€5k€5k=
Profit (loss) carried forward14€120k€9k▼
Amounts payable17/49€12k€177k▲
Amounts payable after more than one year17-€28k
Financial debts170/4-€28k
Amounts payable within one year42/48€12k€150k▲
Current portion of amounts payable after more than one year42-€16k
Financial debts43€28€994▲
Credit institutions430/8€28€994▲
Trade debts44€3k€9k▲
Suppliers440/4€3k€9k▲
Taxes, remuneration and social security45€4k€1k▼
Taxes450/3€4k€1k▼
Other amounts payable47/48€5k€123k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k▼
Other operating charges640/8€888€946▲
Gross operating margin9900€30k€17k▼
Operating profit (loss)9901€28k€15k▼
Financial income75/76B€7-
Recurring financial income75€7-
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€25k€12k▼
Income taxes67/77€6k€4k▼
Profit (loss) for the period9904€19k€9k▼
Profit (loss) for the period to be appropriated9905€19k€9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€156k€129k▼
Profit (loss) brought forward from the previous period14P€137k€120k▼
Profit to be distributed694/7€36k€120k▲
Return on contributions (dividend)694€36k€120k▲
The notes to these accounts (8 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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
2025
31-12
Financial
Weakest financial yearnet €9k ▼54.2%
Net result drops to €9k, the lowest in the series.
14-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
12-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity triplescurrent ratio 9.77
Current ratio from 3.56 to 9.77; short-term debt falls from €41k to €16k.
13-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €100kEq €108k ▲42.5%
2 profitable years in a row build equity to €108k.
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Brugge · 1 establishment unit since 2021
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.
Noorweegse Kaai 368000 BruggeGround area
2,195 m²
Building footprint
390 m²
Volume, LiDAR
1,799 m³
Parcel 31807G0222/00B003, Flanders · tallest building 6.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Nadir21
since 20212.317.522.614
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31807G0222/00B003 | Flanders | 2,195 m² | 1 · 390 m² | 6.6 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.
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,760. 6,088 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-05-2021
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.