NOBEN JEAN-MARIE is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €123k and a net result of €-175k. Equity is growing by ~52.2% per year across the filed fiscal years. Its solvency ranks better than 13% of 3322 sector peers (fiscal year 2024). The company has been active since 2000 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.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 13% of 3322 sector peers (2024).
NBB · sector comparisonPosition among 3322 sector peers
Solvency
better than 13%
← weakest
strongest →
neutral · A punctual record breaks
This company filed 9 consecutive financial years on time. The year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 25-08-2025, 25 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 · 10 filingsDeviation from the deadline
2025
not confirmed
2024
25 d late
2023
8 d early
2022
95 d early
2021
32 d early
2020
8 d early
2019
39 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€123k▼ 58.7%
2023 · €298k
2018: €1k
2019: €56k
2020: €30k
2021: €36k
2022: €25k
2023: €298k
2018 → 2024
Net result
€-175k
2023 · €274k
2018: €21k
2019: €54k
2020: €8k
2021: €7k
2022: €-12k
2023: €274k
2018 → 2024
Total assets
€1.72M▲ 67.7%
2023 · €1.02M
2018: €437k
2019: €425k
2020: €318k
2021: €289k
2022: €212k
2023: €1.02M
2018 → 2024
Solvency
7.2%▼ 21.9pp
2023 · 29.1%
2018: 0.3%
2019: 13.1%
2020: 9.3%
2021: 12.6%
2022: 11.6%
2023: 29.1%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€30k-€36k▲ 23.0%€25k▼ 32.4%€298k▲ 1,111%€123k▼ 58.7%
Operating result€30k-€25k▼ 15.6%€1k▼ 95.0%€379k▲ 29,928%€-155k
Net result€8k-€7k▼ 13.3%€-12k€274k€-175k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €155k after €379k in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €1.72M
Fixed assets
€1.59M▲ 166%
Current assets
€128k▼ 70.0%
Equity and liabilities €1.72M
Equity
€123k▼ 58.7%
Provisions
€0▼ 100%
Debt
€1.59M▲ 149%
The debt ratio rises from 62.4% to 92.8%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
7.2%▼
2023 · 29.1%
ROE
-141.9%▼
2023 · 91.7%
ROA
-10.2%▼
2023 · 26.7%
Debt
€1.59M▲
2023 · €639k
Debt ≤ 1 year
€429k▲
2023 · €218k
Debt > 1 year
€1.16M▲
2023 · €417k
Income taxes
€42k▲
2023 · €11k
Staff costs
€222k▲
2023 · €193k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€1.02M€1.72M▲
Fixed assets21/28€596k€1.59M▲
Intangible fixed assets21€550k€1.57M▲
Tangible fixed assets22/27€44k€12k▼
Land and buildings22€27k€3k▼
Plant, machinery and equipment23€9k€5k▼
Furniture and vehicles24€8k€3k▼
Other tangible fixed assets26€504-
Financial fixed assets28€3k€3k=
Current assets29/58€428k€128k▼
Amounts receivable within one year40/41€92k€85k▼
Trade receivables40€42k€35k▼
Other amounts receivable41€50k€50k▼
Cash at bank and in hand54/58€331k€37k▼
Deferred charges and accrued income490/1€5k€6k▲
Equity and liabilities
Total equity and liabilities10/49€1.02M€1.72M▲
Equity10/15€298k€123k▼
Contributions10/11€7k€7k=
Reserves13€292k€117k▼
Tax-exempt reserves132€260k-
Distributable reserves133€31k€117k▲
Provisions and deferred taxes16€87k-
Deferred taxes168€87k-
Amounts payable17/49€639k€1.59M▲
Amounts payable after more than one year17€417k€1.16M▲
Financial debts170/4€417k€1.06M▲
Other amounts payable178/9-€100k
Amounts payable within one year42/48€218k€429k▲
Current portion of amounts payable after more than one year42€69k€144k▲
Trade debts44€5k€16k▲
Suppliers440/4€5k€16k▲
Taxes, remuneration and social security45€45k€90k▲
Taxes450/3€25k€56k▲
Remuneration and social security454/9€20k€33k▲
Other amounts payable47/48€99k€179k▲
Accrued charges and deferred income492/3€5k€5k▲
Income statement
Code20232024
Non-recurring operating income76A€496k-
Remuneration, social security and pensions62€193k€222k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€32k€207k▲
Other operating charges640/8€8k€12k▲
Gross operating margin9900€611k€286k▼
Operating profit (loss)9901€379k€-155k▼
Financial income75/76B€25€0▼
Recurring financial income75€25€0▼
Financial charges65/66B€8k€64k▲
Recurring financial charges65€8k€64k▲
Profit (loss) for the period before taxes9903€371k€-219k▼
Transfer from deferred taxes780€102€87k▲
Transfer to deferred taxes680€87k-
Income taxes67/77€11k€42k▲
Profit (loss) for the period9904€274k€-175k▼
Transfer from tax-exempt reserves789€306€260k▲
Transfer to tax-exempt reserves689€261k-
Profit (loss) for the period to be appropriated9905€13k€85k▲
Appropriation of the result
Profit (loss) to be appropriated9906€2k€85k▲
Profit (loss) brought forward from the previous period14P€-11k-
Transfer to equity691/2€2k€85k▲
To other reserves6921€2k€85k▲
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
31-12
Financial
Weakest financial yearnet €-175k ▼164%
Net result drops to €-175k, the lowest in the series.
23-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €274k
Net result €274k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 1.97
Current ratio from 0.92 to 1.97.
31-12
Financial
Equity above €200kEq €298k ▲1111%
Equity rises from €25k to €298k.
27-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
23-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
22-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
10-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
09-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
12-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
13-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated 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, Houthalen-Helchteren · 4 establishment units since 2000
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.
Genkseweg 423530 Houthalen-HelchterenGround area
1,664 m²
Building footprint
1,017 m²
Volume, LiDAR
10,830 m³
4 parcels, Flanders · tallest building 22.0 m, ±6 floors. Linked by address, not a title deed.
4 establishment units
Genkseweg 42, 3530 Houthalen-Helchteren
since 20002.097.598.373
Lange Lozanastraat 176, 2018 Antwerpen
since 20142.231.426.008
Kruishofstraat 293, 2610 Antwerpen
since 20232.353.185.356
Nationalestraat 66, 2000 Antwerpen
since 20262.384.171.809
4 parcels
Flanders
4
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72014C0540/00P002 | Flanders | 679 m² | 1 · 173 m² | 7.8 m · 2 fl. |
| 11804D0989/00L000 | Flanders | 375 m² | 1 · 375 m² | 19.4 m · 5 fl. |
| 11810K1624/00K004 | Flanders | 308 m² | 1 · 308 m² | 22.0 m · 6 fl. |
| 11051B0194/00E002 | Flanders | 302 m² | 1 · 162 m² | 11.5 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 3
4 of 4 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
2024 to 2025 · 2 entries · 758 EUR awarded · 600 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 158 EUR | 0 EUR |
| 2024 | 1 | 600 EUR | 600 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 4,683 companies in sector 66220 we hold annual accounts for 3,228. 2,773 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-06-2000
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
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.