NIALAN 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 €3.44M and a net result of €-67k. Equity is growing by ~2.6% per year across the filed fiscal years. Its solvency ranks better than 91% of 5527 sector peers (fiscal year 2025). The company has been active since 1996 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 30-06-2025 was due by 31-01-2026 and was filed on 12-01-2026, 19 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
19 d early
2024
8 d early
2023
5 d early
2022
26 d early
2021
21 d early
2020
24 d early
2019
4 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close23-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€3.44M▼ 1.9%
2024 · €3.51M
2019: €3.07M
2020: €3.15M
2021: €3.11M
2022: €4.21M
2023: €3.68M
2024: €3.51M
2019 → 2025
Net result
€-67k▲ 60.9%
2024 · €-171k
2019: €-98k
2020: €75k
2021: €-48k
2022: €1.10M
2023: €-528k
2024: €-171k
2019 → 2025
Total assets
€3.59M▼ 4.6%
2024 · €3.76M
2019: €3.87M
2020: €3.88M
2021: €3.69M
2022: €4.91M
2023: €4.04M
2024: €3.76M
2019 → 2025
Solvency
96.0%▲ 2.6pp
2024 · 93.3%
2019: 79.2%
2020: 81.2%
2021: 84.1%
2022: 85.7%
2023: 91.1%
2024: 93.3%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€3.11M-€4.21M▲ 35.5%€3.68M▼ 12.5%€3.51M▼ 4.6%€3.44M▼ 1.9%
Operating result€-78k-€-135k▼ 74.5%€-218k▼ 61.3%€-236k▼ 7.9%€-135k▲ 42.5%
Net result€-48k-€1.10M€-528k€-171k▲ 67.7%€-67k▲ 60.9%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €135k in 2025 against €236k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.59M
Fixed assets
€3.35M▼ 7.0%
Current assets
€239k▲ 51.8%
Equity and liabilities €3.59M
Equity
€3.44M▼ 1.9%
Provisions
€10k▼ 45.8%
Debt
€135k▼ 41.8%
The debt ratio falls from 6.2% to 3.8%. Equity and debt are lower.
Key figures and ratios
Solvency
96.0%▲
2024 · 93.3%
ROE
-1.9%▲
2024 · -4.9%
ROA
-1.9%▲
2024 · -4.5%
Debt
€135k▼
2024 · €231k
Debt ≤ 1 year
€120k▼
2024 · €126k
Debt > 1 year
€15k▼
2024 · €105k
Income taxes
€1k▼
2024 · €1k
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€3.76M€3.59M▼
Fixed assets21/28€3.60M€3.35M▼
Tangible fixed assets22/27€1.41M€1.19M▼
Land and buildings22€1.12M€980k▼
Plant, machinery and equipment23€173€91▼
Furniture and vehicles24€293k€214k▼
Financial fixed assets28€2.19M€2.16M▼
Current assets29/58€157k€239k▲
Amounts receivable after more than one year29€13k€5k▼
Other amounts receivable291€13k€5k▼
Amounts receivable within one year40/41€99k€194k▲
Trade receivables40€19k€49k▲
Other amounts receivable41€79k€145k▲
Cash at bank and in hand54/58€24k€15k▼
Deferred charges and accrued income490/1€21k€25k▲
Equity and liabilities
Total equity and liabilities10/49€3.76M€3.59M▼
Equity10/15€3.51M€3.44M▼
Contributions10/11€19k€19k=
Reserves13€3.49M€3.42M▼
Tax-exempt reserves132€57k€31k▼
Distributable reserves133€3.43M€3.39M▼
Provisions and deferred taxes16€19k€10k▼
Deferred taxes168€19k€10k▼
Amounts payable17/49€231k€135k▼
Amounts payable after more than one year17€105k€15k▼
Financial debts170/4€105k€15k▼
Amounts payable within one year42/48€126k€120k▼
Current portion of amounts payable after more than one year42€89k€90k▲
Trade debts44€17k€8k▼
Suppliers440/4€17k€8k▼
Taxes, remuneration and social security45€3k€8k▲
Taxes450/3€3k€8k▲
Remuneration and social security454/9€0-
Other amounts payable47/48€18k€14k▼
Income statement
Code20242025
Non-recurring operating income76A-€1k
Remuneration, social security and pensions62€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€237k€239k▲
Other operating charges640/8€7k€12k▲
Gross operating margin9900€9k€115k▲
Operating profit (loss)9901€-236k€-135k▲
Financial income75/76B€64k€65k▲
Recurring financial income75€64k€65k▲
Financial charges65/66B€6k€4k▼
Recurring financial charges65€6k€4k▼
Non-recurring financial charges66B€0-
Profit (loss) for the period before taxes9903€-178k€-74k▲
Transfer from deferred taxes780€8k€9k▲
Income taxes67/77€1k€1k▼
Profit (loss) for the period9904€-171k€-67k▲
Transfer from tax-exempt reserves789€25k€26k▲
Profit (loss) for the period to be appropriated9905€-146k€-40k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-146k€-40k▲
Transfer from equity791/2€146k€40k▼
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (19 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
30-03
State Gazette act
Resignations & appointmentsGeneral meeting · Director appointment · Power limitation3 facts ▸
State Gazette act
Resignations & appointments
General meeting · Director appointment · Power limitation3 facts ▸
- General meeting, 31/12/2024
- Director appointment, Nicolas DENUTTE (bestuurder)
- Power limitation, kwantitatieve bevoegdheidsbeperking bestuurder
12-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
23-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
26-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-06
Financial
Weakest financial yearnet €-528k ▼148%
Net result drops to €-528k, the lowest in the series; recovery starts the following year.
30-06
Financial
Liquidity doublescurrent ratio 17.61
Current ratio from 7.99 to 17.61; short-term debt falls from €380k to €137k.
05-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-06
Financial
Back to profitnet €1.10M
Net result €1.10M after one loss-making year.
10-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
07-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-06
Financial
Back to profitnet €75k
Net result €75k after one loss-making year.
27-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
21-02
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 21 days late
2018
18-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
27-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2025
Nicolas DENUTTE
CurrentDirector · since 01-01-2025
01-01-2025
Appointed as Director
Location & real-estate footprint
Registered office, Moerbeke (Waas) · 1 establishment unit since 1997
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.
Drongendreef 809180 Moerbeke (Waas)Ground area
1.1 ha
Building footprint
3,958 m²
Volume, LiDAR
38,997 m³
2 parcels, Flanders · tallest building 15.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Biezeweg 11, 9230 Wetteren
since 19972.076.711.701
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42025G0946/00H000 | Flanders | 1.0 ha | 1 · 3,791 m² | 15.5 m · 3 fl. |
| 44045K0679/00H000 | Flanders | 967 m² | 1 · 167 m² | 8.3 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 10,452 EUR awarded · 10,276 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 659 EUR | 659 EUR |
| 2024 | 1 | 644 EUR | 644 EUR |
| 2023 | 1 | 1,649 EUR | 1,649 EUR |
| 2022 | 1 | 7,500 EUR | 7,324 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 9,284 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-04-1996
Fiscal year end30-06
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
51100Air transport
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 29 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.