NTH-Concept 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 €147k and a net result of €117k. Its solvency ranks better than 48% of 8018 sector peers (fiscal year 2025). The company has been active since 2024 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 · Young company
Founded in 2024, under 3 years, statistically higher risk.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 09-09-2026, 40 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 1 filingDeviation from the deadline
2025
40 d late
← before the deadline
after the deadline →
Financials · fiscal year 2025, micro schema
Equity
€147k
Net result
€117k
Total assets
€297k
Solvency
49.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €297k
Fixed assets
€35k
Current assets
€262k
Equity and liabilities €297k
Equity
€147k
Debt
€150k
Debt finances 50.5% of the balance-sheet total.
Key figures and ratios
Solvency
49.5%
ROE
79.6%
ROA
39.4%
Debt
€150k
Debt ≤ 1 year
€38k
Debt > 1 year
€105k
Income taxes
€48k
Staff costs
€2k
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€297k
Fixed assets21/28€35k
Tangible fixed assets22/27€35k
Plant, machinery and equipment23€911
Furniture and vehicles24€34k
Current assets29/58€262k
Amounts receivable within one year40/41€81k
Trade receivables40€81k
Cash at bank and in hand54/58€179k
Deferred charges and accrued income490/1€2k
Equity and liabilities
Total equity and liabilities10/49€297k
Equity10/15€147k
Contributions10/11€30k
Reserves13€116k
Distributable reserves133€116k
Profit (loss) carried forward14€1k
Amounts payable17/49€150k
Amounts payable after more than one year17€105k
Financial debts170/4€105k
Amounts payable within one year42/48€38k
Trade debts44€247
Suppliers440/4€247
Taxes, remuneration and social security45€30k
Taxes450/3€30k
Other amounts payable47/48€8k
Accrued charges and deferred income492/3€7k
Income statement
Code2025
Remuneration, social security and pensions62€2k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€31k
Other operating charges640/8€2k
Gross operating margin9900€207k
Operating profit (loss)9901€171k
Financial income75/76B€1k
Recurring financial income75€1k
Financial charges65/66B€7k
Recurring financial charges65€7k
Profit (loss) for the period before taxes9903€165k
Income taxes67/77€48k
Profit (loss) for the period9904€117k
Profit (loss) for the period to be appropriated9905€117k
Appropriation of the result
Profit (loss) to be appropriated9906€117k
Transfer to equity691/2€116k
To other reserves6921€116k
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
09-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 40 days late
NBB filing
Directors · office · real estate
Directors
1 act for this company is 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, Tielt · 1 establishment unit since 2024
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.
Oostrozebekestraat 3218760 TieltGround area
1,595 m²
Building footprint
169 m²
Volume, LiDAR
908 m³
Parcel 37322D0849/00B000, Flanders · tallest building 10.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
NTH-Concept
since 20242.357.748.712
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 37322D0849/00B000 | Flanders | 1,595 m² | 1 · 169 m² | 10.2 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. 13,201 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-03-2024
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
77110Renting and leasing of cars and light motor vehicles
77120Rental and leasing activities
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.