NVKM
ActiveNVKM 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 €1.09M and a net result of €399k. Equity is growing by ~7.7% per year across the filed fiscal years. Its solvency ranks better than 58% of 5491 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · A punctual record breaks
This company filed 5 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-08-2026, 3 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 · 7 filingsDeviation from the deadline
2025
3 d late
2024
28 d early
2023
2 d early
2022
28 d early
2021
20 d early
2020
15 d early
2019
31 d late
← 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.09M▼ 23.0%
2024 · €1.42M
2020: €729k
2021: €864k
2022: €902k
2023: €963k
2024: €1.42M
2020 → 2025
Net result
€399k▼ 11.7%
2024 · €452k
2020: €174k
2021: €135k
2022: €38k
2023: €61k
2024: €452k
2020 → 2025
Total assets
€1.81M▼ 22.3%
2024 · €2.33M
2020: €1.63M
2021: €1.63M
2022: €1.76M
2023: €1.75M
2024: €2.33M
2020 → 2025
Solvency
60.1%▼ 0.5pp
2024 · 60.6%
2020: 44.6%
2021: 53.2%
2022: 51.2%
2023: 55.0%
2024: 60.6%
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€864k-€902k▲ 4.4%€963k▲ 6.8%€1.42M▲ 46.9%€1.09M▼ 23.0%
Operating result€221k-€48k▼ 78.4%€95k▲ 98.7%€632k▲ 566%€569k▼ 9.8%
Net result€135k-€38k▼ 71.7%€61k▲ 59.7%€452k▲ 641%€399k▼ 11.7%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 10% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.81M
Fixed assets
€780k▼ 6.1%
Current assets
€1.03M▼ 31.2%
Equity and liabilities €1.81M
Equity
€1.09M▼ 23.0%
Provisions
€36k
Debt
€688k▼ 25.1%
The debt ratio falls from 39.4% to 37.9%: debt falls faster than equity shrinks.
Key figures and ratios
Solvency
60.1%▼
2024 · 60.6%
ROE
36.6%▲
2024 · 31.9%
ROA
22.0%▲
2024 · 19.4%
Debt
€688k▼
2024 · €919k
Debt ≤ 1 year
€300k▼
2024 · €420k
Debt > 1 year
€389k▼
2024 · €499k
Income taxes
€199k▼
2024 · €213k
Staff costs
€244k▼
2024 · €252k
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€2.33M€1.81M▼
Fixed assets21/28€831k€780k▼
Tangible fixed assets22/27€816k€765k▼
Land and buildings22€635k€609k▼
Plant, machinery and equipment23€16k€10k▼
Furniture and vehicles24€164k€147k▼
Financial fixed assets28€15k€15k=
Current assets29/58€1.50M€1.03M▼
Amounts receivable after more than one year29€30k€0▼
Trade receivables290€30k€0▼
Amounts receivable within one year40/41€858k€372k▼
Trade receivables40€188k€77k▼
Other amounts receivable41€670k€295k▼
Cash at bank and in hand54/58€597k€651k▲
Deferred charges and accrued income490/1€19k€11k▼
Equity and liabilities
Total equity and liabilities10/49€2.33M€1.81M▼
Equity10/15€1.42M€1.09M▼
Contributions10/11€20k€20k=
Reserves13€1.40M€1.07M▼
Distributable reserves133€1.40M€1.07M▼
Profit (loss) carried forward14-€0
Provisions and deferred taxes16-€36k
Provisions for liabilities and charges160/5-€36k
Other liabilities and charges164/5-€36k
Amounts payable17/49€919k€688k▼
Amounts payable after more than one year17€499k€389k▼
Financial debts170/4€499k€389k▼
Amounts payable within one year42/48€420k€300k▼
Current portion of amounts payable after more than one year42€203k€199k▼
Financial debts43€0€1k▲
Credit institutions430/8€0-
Other loans439-€1k
Trade debts44€109k€5k▼
Suppliers440/4€109k€5k▼
Taxes, remuneration and social security45€103k€90k▼
Taxes450/3€68k€67k▼
Remuneration and social security454/9€35k€23k▼
Other amounts payable47/48€5k€4k▼
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Remuneration, social security and pensions62€252k€244k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€118k€124k▲
Provisions for liabilities and charges: additions (uses and reversals)635/8-€36k
Other operating charges640/8€8k€10k▲
Non-recurring operating charges66A€6k€100▼
Gross operating margin9900€1.02M€982k▼
Operating profit (loss)9901€632k€569k▼
Financial income75/76B€49k€49k▲
Recurring financial income75€20k€11k▼
Non-recurring financial income76B€29k€38k▲
Financial charges65/66B€15k€20k▲
Recurring financial charges65€15k€20k▲
Profit (loss) for the period before taxes9903€665k€598k▼
Income taxes67/77€213k€199k▼
Profit (loss) for the period9904€452k€399k▼
Profit (loss) for the period to be appropriated9905€452k€399k▼
Appropriation of the result
Profit (loss) to be appropriated9906€452k€399k▼
Transfer from equity791/2-€724k
Transfer to equity691/2€452k€399k▼
To other reserves6921€452k€399k▼
Profit to be distributed694/7-€724k
Return on contributions (dividend)694-€724k
Social balance
Average headcount (FTE)90873.83.5▼
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
03-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 3 days late
2025
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2020net €452k ▲641%
Operating result €632k, net result €452k, both a record.
31-12
Financial
Equity above €1MEq €1.42M ▲46.9%
5 profitable years in a row build equity to €1.42M.
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Weakest financial yearnet €38k ▼71.7%
Net result drops to €38k, the lowest in the series; recovery starts the following year.
11-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
16-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 directors, no change since 2025
WHIISII BV
CurrentDirector · since 01-05-2025 · Legal entity · perm. rep.: De Groote Sharon
Nick van Kranenburg
CurrentDirector · since 17-01-2024
01-05-2025
WHIISII BV: Appointed as Director
17-01-2024
Nick van Kranenburg: Resigned as Director
17-01-2024
Nick van Kranenburg: Appointed as Director
Location & real-estate footprint
Registered office, Knokke-Heist · 1 establishment unit since 2019
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.
't Walletje 1158300 Knokke-HeistGround area
1,480 m²
Building footprint
844 m²
Volume, LiDAR
20 m³
Parcel 31039F0124/00A002, Flanders · tallest building 3.2 m. Linked by address, not a title deed.
1 establishment unit
NVKM
since 20192.287.043.927
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31039F0124/00A002 | Flanders | 1,480 m² | 1 · 843 m² | 3.2 m |
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.
Recognitions · licences · registrations
Legal Entity Identifier
9845007BAB4567BF0975
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Of 24,640 companies in sector 64210 we hold annual accounts for 19,693. 12,439 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-02-2019
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
68121Development of residential building projects
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.