Summary
NEPTUNESS 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 €13.31M and a net result of €-15k. Equity is growing by ~6.9% per year across the filed fiscal years. Its solvency ranks better than 44% of 2394 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
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 07-07-2026, 24 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
24 d early
2024
32 d early
2023
30 d early
2022
on the day
← 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, full schema
Equity
€13.31M▼ 0.1%
2024 · €13.33M
2022: €11.03M
2023: €12.01M
2024: €13.33M
2022 → 2025
Net result
€-15k
2024 · €1.32M
2022: €33k
2023: €976k
2024: €1.32M
2022 → 2025
Total assets
€24.78M▲ 0.1%
2024 · €24.75M
2022: €25.03M
2023: €24.91M
2024: €24.75M
2022 → 2025
Solvency
53.7%▼ 0.1pp
2024 · 53.9%
2022: 44.1%
2023: 48.2%
2024: 53.9%
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Turnover€280k-€180k▼ 35.7%€180k=€180k=
Equity€11.03M-€12.01M▲ 8.8%€13.33M▲ 11.0%€13.31M▼ 0.1%
Operating result€266k-€176k▼ 34.0%€173k▼ 1.4%€142k▼ 18.0%
Net result€33k-€976k▲ 2,872%€1.32M▲ 35.3%€-15k
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2025 is 18% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €24.78M
Fixed assets
€24.74M =
Current assets
€38k ▲ 946%
Equity and liabilities €24.78M
Equity
€13.31M ▼ 0.1%
Debt
€11.47M ▲ 0.4%
Debt's share of the balance-sheet total rises from 46.1% to 46.3%. Equity is lower and debt is higher.
Key figures and ratios
ROE
-0.1%▼
2024 · 9.9%
ROA
-0.1%▼
2024 · 5.3%
Debt ≤ 1 year
€7.05M▲
2024 · €1.48M
Debt > 1 year
€4.42M▼
2024 · €9.76M
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 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€24.75M€24.78M▲
Fixed assets21/28€24.74M€24.74M=
Financial fixed assets28€24.74M€24.74M=
Affiliated companies280/1€24.74M€24.74M=
Participating interests280€24.74M€24.74M=
Current assets29/58€4k€38k▲
Stocks and contracts in progress3-€0
Amounts receivable within one year40/41€952€0▼
Other amounts receivable41€952€0▼
Cash at bank and in hand54/58€3k€38k▲
Equity and liabilities
Total equity and liabilities10/49€24.75M€24.78M▲
Equity10/15€13.33M€13.31M▼
Contributions10/11€11.00M€11.00M=
Reserves13€2.33M€2.31M▼
Distributable reserves133€2.33M€2.31M▼
Amounts payable17/49€11.42M€11.47M▲
Amounts payable after more than one year17€9.76M€4.42M▼
Financial debts170/4€9.76M€4.42M▼
Credit institutions173€5.86M€4.42M▼
Other loans174€3.90M€0▼
Amounts payable within one year42/48€1.48M€7.05M▲
Current portion of amounts payable after more than one year42€1.40M€420k▼
Trade debts44€1k€17k▲
Suppliers440/4€1k€17k▲
Taxes, remuneration and social security45€80k€9k▼
Taxes450/3€80k€9k▼
Other amounts payable47/48-€6.60M
Accrued charges and deferred income492/3€176k€3k▼
Income statement
Code20242025
Operating income70/76A€180k€180k=
Turnover70€180k€180k=
Operating charges60/66A€7k€38k▲
Services and other goods61€6k€37k▲
Other operating charges640/8€449€452▲
Operating profit (loss)9901€173k€142k▼
Financial income75/76B€1.60M€0▼
Recurring financial income75€1.60M€0▼
Income from financial fixed assets750€1.60M€0▼
Financial charges65/66B€453k€157k▼
Recurring financial charges65€453k€157k▼
Debt charges650€452k€151k▼
Other financial charges652/9€942€6k▲
Profit (loss) for the period before taxes9903€1.32M€-15k▼
Profit (loss) for the period9904€1.32M€-15k▼
Profit (loss) for the period to be appropriated9905€1.32M€-15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1.32M€-15k▼
Transfer from equity791/2-€15k
From reserves792-€15k
Transfer to equity691/2€1.32M€880▼
To other reserves6921€1.32M€880▼
The notes to these accounts (28 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
07-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Weakest financial yearnet €-15k ▼101%
Net result drops to €-15k, the lowest in the series.
29-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Highest result since 2022net €1.32M ▲35.3%
Net result €1.32M, the highest in the series.
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
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, Genk
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.
Transportlaan 43600 GenkGround area
1.3 ha
Building footprint
1,795 m²
Volume, LiDAR
9,498 m³
Parcel 71307H0001/00V009, Flanders · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71307H0001/00V009 | Flanders | 1.3 ha | 1 · 1,795 m² | 8.7 m · 2 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.
Similar companies · same sector, comparable size
MECO GROUP HOLDING
BE 0455.487.254
Oostende · Eq €13,315,809
HAEGHEMEERSCH
BE 0867.554.142
Kortemark · Eq €13,304,667
Todecom
BE 0688.587.459
Wevelgem · Eq €13,323,878
ANTWERP INVEST
BE 0403.853.461
Schoten · Eq €13,298,746
KOMACO INTERNATIONAL
BE 0682.822.293
Schilde · Eq €13,288,827
Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 5,234 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
Founded06-07-2021
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.