NEWFINCO 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 €792k and a net result of €32k. Equity is growing by ~4.8% per year across the filed fiscal years. Its solvency ranks better than 94% of 8018 sector peers (fiscal year 2025). The company has been active since 2001 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 31-12-2025 was due by 31-07-2026 and was filed on 19-05-2026, 73 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
73 d early
2024
67 d early
2023
72 d early
2022
64 d early
2021
28 d early
2020
47 d early
2019
60 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€792k▲ 4.1%
2024 · €761k
2018: €574k
2019: €635k
2020: €607k
2021: €626k
2022: €687k
2023: €724k
2024: €761k
2018 → 2025
Net result
€32k▼ 14.4%
2024 · €37k
2018: €46k
2019: €61k
2020: €31k
2021: €19k
2022: €61k
2023: €37k
2024: €37k
2018 → 2025
Total assets
€829k▲ 3.7%
2024 · €799k
2018: €616k
2019: €674k
2020: €728k
2021: €649k
2022: €721k
2023: €760k
2024: €799k
2018 → 2025
Solvency
95.6%▲ 0.4pp
2024 · 95.2%
2018: 93.2%
2019: 94.3%
2020: 83.4%
2021: 96.5%
2022: 95.2%
2023: 95.2%
2024: 95.2%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€626k-€687k▲ 9.8%€724k▲ 5.5%€761k▲ 5.1%€792k▲ 4.1%
Operating result€34k-€86k▲ 149%€53k▼ 38.3%€57k▲ 8.0%€33k▼ 42.8%
Net result€19k-€61k▲ 220%€37k▼ 38.6%€37k▼ 1.7%€32k▼ 14.4%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 43% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €829k
Fixed assets
€7k▲ 130%
Current assets
€822k▲ 3.2%
Equity and liabilities €829k
Equity
€792k▲ 4.1%
Debt
€36k▼ 5.0%
The debt ratio falls from 4.8% to 4.4%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
95.6%▲
2024 · 95.2%
ROE
4.0%▼
2024 · 4.8%
ROA
3.8%▼
2024 · 4.6%
Debt
€36k▼
2024 · €38k
Debt ≤ 1 year
€34k▼
2024 · €38k
Income taxes
€16k▼
2024 · €20k
Staff costs
€102k▲
2024 · €99k
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€799k€829k▲
Fixed assets21/28€3k€7k▲
Tangible fixed assets22/27€3k€7k▲
Plant, machinery and equipment23€236€55▼
Furniture and vehicles24€3k€7k▲
Current assets29/58€796k€822k▲
Amounts receivable within one year40/41€14k€37k▲
Trade receivables40€10k€33k▲
Other amounts receivable41€4k€4k▼
Current investments50/53-€42k
Cash at bank and in hand54/58€782k€743k▼
Equity and liabilities
Total equity and liabilities10/49€799k€829k▲
Equity10/15€761k€792k▲
Contributions10/11€12k€12k=
Capital10€12k€12k=
Issued capital100€19k€19k=
Uncalled capital101€6k€6k=
Reserves13€152k€177k▲
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Tax-exempt reserves132-€175k
Distributable reserves133€150k-
Profit (loss) carried forward14€597k€603k▲
Amounts payable17/49€38k€36k▼
Amounts payable within one year42/48€38k€34k▼
Trade debts44€9k€7k▼
Suppliers440/4€9k€7k▼
Taxes, remuneration and social security45€28k€27k▼
Taxes450/3€18k€15k▼
Remuneration and social security454/9€11k€11k▲
Accrued charges and deferred income492/3€764€3k▲
Income statement
Code20242025
Remuneration, social security and pensions62€99k€102k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€2k▼
Gross operating margin9900€160k€136k▼
Operating profit (loss)9901€57k€33k▼
Financial income75/76B€637€16k▲
Recurring financial income75€637€16k▲
Non-recurring financial income76B€637€16k▲
Financial charges65/66B€692€1k▲
Recurring financial charges65€692€1k▲
Non-recurring financial charges66B-€1k
Profit (loss) for the period before taxes9903€57k€47k▼
Income taxes67/77€20k€16k▼
Profit (loss) for the period9904€37k€32k▼
Transfer from tax-exempt reserves789-€0
Profit (loss) for the period to be appropriated9905€37k€32k▼
Appropriation of the result
Profit (loss) to be appropriated9906€622k€628k▲
Profit (loss) brought forward from the previous period14P€585k€597k▲
Transfer to equity691/2€25k€25k=
To other reserves6921€25k€25k=
The notes to these accounts (5 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
19-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
25-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
20-05
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
28-05
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
03-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Weakest financial yearnet €19k ▼38.8%
Net result drops to €19k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 5current ratio 27.51
Current ratio from 5.61 to 27.51; short-term debt falls from €121k to €23k.
14-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
01-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Highest result since 2018net €61k ▲34.6%
Operating result €98k, net result €61k, both a record.
01-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
24-05
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
18-06
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
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.
Location & real-estate footprint
Registered office, Duffel · 1 establishment unit since 2001
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.
Schorshagen 192570 DuffelGround area
399 m²
Building footprint
108 m²
Volume, LiDAR
651 m³
Parcel 12302C0592/00W000, Flanders · tallest building 10.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Schorshagen 19, 2570 Duffel
since 20012.093.182.301
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12302C0592/00W000 | Flanders | 399 m² | 1 · 108 m² | 10.4 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.
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 13,175 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-05-2001
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
74151
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.