NOTARY LEX 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 €19k and a net result of €31k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 14% of 2423 sector peers (fiscal year 2025). The company has been active since 2017 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 2423 sector peers (2025).
NBB · sector comparisonPosition among 2423 sector peers
Solvency
better than 14%
← weakest
strongest →
neutral · A punctual record breaks
This company filed 6 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 9 filingsDeviation from the deadline
2025
31 d late
2024
23 d early
2023
28 d early
2022
54 d early
2021
54 d early
2020
54 d early
2019
45 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€19k=
2024 · €19k
2018: €7k
2019: €27k
2020: €32k
2021: €50k
2022: €78k
2023: €108k
2024: €19k
2018 → 2025
Net result
€31k▲ 1.7%
2024 · €30k
2018: €23k
2019: €20k
2020: €4k
2021: €18k
2022: €22k
2023: €30k
2024: €30k
2018 → 2025
Total assets
€287k▼ 7.1%
2024 · €309k
2018: €282k
2019: €290k
2020: €269k
2021: €272k
2022: €276k
2023: €287k
2024: €309k
2018 → 2025
Solvency
6.5%▲ 0.5pp
2024 · 6.0%
2018: 2.6%
2019: 9.5%
2020: 11.8%
2021: 18.4%
2022: 28.4%
2023: 37.7%
2024: 6.0%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€50k-€78k▲ 56.5%€108k▲ 37.8%€19k▼ 82.8%€19k=
Operating result€27k-€33k▲ 21.8%€43k▲ 28.4%€42k▼ 0.1%€42k▼ 0.1%
Net result€18k-€22k▲ 20.2%€30k▲ 33.9%€30k▲ 1.3%€31k▲ 1.7%
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 0% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €287k
Fixed assets
€205k▼ 6.9%
Current assets
€82k▼ 7.5%
Equity and liabilities €287k
Equity
€19k=
Debt
€268k▼ 7.6%
The debt ratio falls from 94.0% to 93.5%. Debt is lower.
Key figures and ratios
Solvency
6.5%▲
2024 · 6.0%
ROE
164.1%▲
2024 · 161.3%
ROA
10.6%▲
2024 · 9.7%
Debt
€268k▼
2024 · €290k
Debt ≤ 1 year
€152k▼
2024 · €153k
Debt > 1 year
€117k▼
2024 · €137k
Income taxes
€10k▼
2024 · €11k
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€309k€287k▼
Fixed assets21/28€220k€205k▼
Tangible fixed assets22/27€220k€205k▼
Land and buildings22€196k€186k▼
Furniture and vehicles24€24k€18k▼
Current assets29/58€89k€82k▼
Amounts receivable within one year40/41€994-
Other amounts receivable41€994-
Current investments50/53€60k€60k=
Cash at bank and in hand54/58€26k€21k▼
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€309k€287k▼
Equity10/15€19k€19k=
Contributions10/11€19k€19k=
Amounts payable17/49€290k€268k▼
Amounts payable after more than one year17€137k€117k▼
Financial debts170/4€137k€117k▼
Amounts payable within one year42/48€153k€152k▼
Current portion of amounts payable after more than one year42€20k€21k▲
Trade debts44€637-
Suppliers440/4€637-
Taxes, remuneration and social security45€11k€114▼
Taxes450/3€11k€114▼
Other amounts payable47/48€121k€131k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€15k▲
Other operating charges640/8€8k€8k▲
Gross operating margin9900€64k€66k▲
Operating profit (loss)9901€42k€42k▼
Financial income75/76B€2k€804▼
Recurring financial income75€2k€804▼
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€41k€41k▼
Income taxes67/77€11k€10k▼
Profit (loss) for the period9904€30k€31k▲
Profit (loss) for the period to be appropriated9905€30k€31k▲
Appropriation of the result
Profit (loss) to be appropriated9906€30k€31k▲
Transfer from equity791/2€90k-
Profit to be distributed694/7€120k€31k▼
Return on contributions (dividend)694€120k€31k▼
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Highest result since 2018net €31k ▲1.7%
Net result €31k, the highest in the series.
08-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €100kEq €108k ▲37.8%
6 profitable years in a row build equity to €108k.
07-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
07-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
07-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €4k ▼78.8%
Net result drops to €4k, the lowest in the series; recovery starts the following year.
16-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity triplescurrent ratio 1.31
Current ratio from 0.50 to 1.31.
19-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 19 days late
2018
23-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 23 days late
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, La Louvière · 1 establishment unit since 2017
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.
Chaussée de Mons(PIE) 577100 La LouvièreGround area
822 m²
Building footprint
62 m²
Volume, LiDAR
619 m³
Parcel 56033A0631/00N033, Wallonia · tallest building 11.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
NOTARY LEX
since 20172.261.482.744
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56033A0631/00N033 | Wallonia | 822 m² | 1 · 62 m² | 11.4 m · 3 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 591 companies in sector 66300 we hold annual accounts for 365. 148 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-02-2017
Fiscal year end31-12
Activities, NACEBEL
66300Activities auxiliary to financial services and insurance activities
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.