OMNISERVICE 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 €198k and a net result of €67k. Equity is growing by ~4.4% per year across the filed fiscal years. Its solvency ranks better than 40% of 1463 sector peers (fiscal year 2025). 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.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 31-10-2025, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
2 d early
2023
8 d early
2022
24 d early
2021
2 d late
2020
33 d early
2019
14 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close17-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€198k▲ 50.8%
2024 · €131k
2019: €106k
2020: €110k
2021: €104k
2022: €102k
2023: €107k
2024: €131k
2019 → 2025
Net result
€67k▲ 180%
2024 · €24k
2019: €10k
2020: €4k
2021: €-6k
2022: €-3k
2023: €5k
2024: €24k
2019 → 2025
Total assets
€661k▲ 10.5%
2024 · €598k
2019: €670k
2020: €597k
2021: €537k
2022: €484k
2023: €506k
2024: €598k
2019 → 2025
Solvency
29.9%▲ 8.0pp
2024 · 21.9%
2019: 15.9%
2020: 18.5%
2021: 19.5%
2022: 21.0%
2023: 21.2%
2024: 21.9%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€104k-€102k▼ 2.5%€107k▲ 5.3%€131k▲ 22.2%€198k▲ 50.8%
Operating result€11k-€13k▲ 19.1%€23k▲ 74.2%€52k▲ 121%€110k▲ 112%
Net result€-6k-€-3k▲ 56.2%€5k€24k▲ 345%€67k▲ 180%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 112% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €661k
Fixed assets
€414k▼ 1.2%
Current assets
€247k▲ 37.8%
Equity and liabilities €661k
Equity
€198k▲ 50.8%
Debt
€464k▼ 0.8%
The debt ratio falls from 78.1% to 70.1%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
29.9%▲
2024 · 21.9%
ROE
33.7%▲
2024 · 18.2%
ROA
10.1%▲
2024 · 4.0%
Debt
€464k▼
2024 · €467k
Debt ≤ 1 year
€106k▲
2024 · €83k
Debt > 1 year
€357k▼
2024 · €382k
Income taxes
€29k▲
2024 · €13k
Staff costs
€87k▼
2024 · €98k
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€598k€661k▲
Fixed assets21/28€419k€414k▼
Intangible fixed assets21€30k€22k▼
Tangible fixed assets22/27€382k€385k▲
Land and buildings22€223k€211k▼
Plant, machinery and equipment23€8k€10k▲
Furniture and vehicles24€78k€86k▲
Other tangible fixed assets26€73k€79k▲
Financial fixed assets28€7k€7k=
Current assets29/58€179k€247k▲
Amounts receivable within one year40/41€488€379▼
Other amounts receivable41€488€379▼
Cash at bank and in hand54/58€175k€242k▲
Deferred charges and accrued income490/1€4k€5k▲
Equity and liabilities
Total equity and liabilities10/49€598k€661k▲
Equity10/15€131k€198k▲
Contributions10/11€6k€6k=
Outside capital11€6k-
Other1109/19€6k-
Reserves13€42k€109k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€11k€11k=
Distributable reserves133€29k€96k▲
Profit (loss) carried forward14€82k€82k=
Amounts payable17/49€467k€464k▼
Amounts payable after more than one year17€382k€357k▼
Financial debts170/4€382k€357k▼
Amounts payable within one year42/48€83k€106k▲
Current portion of amounts payable after more than one year42€49k€55k▲
Trade debts44€5k€8k▲
Suppliers440/4€5k€8k▲
Advances received on contracts in progress46€10k-
Taxes, remuneration and social security45€19k€44k▲
Taxes450/3€9k€21k▲
Remuneration and social security454/9€10k€23k▲
Other amounts payable47/48-€433
Accrued charges and deferred income492/3€3k-
Income statement
Code20242025
Non-recurring operating income76A€9k€10k▲
Remuneration, social security and pensions62€98k€87k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€50k€55k▲
Other operating charges640/8€5k€5k▼
Gross operating margin9900€205k€256k▲
Operating profit (loss)9901€52k€110k▲
Financial income75/76B€163€575▲
Recurring financial income75€163€575▲
Financial charges65/66B€16k€14k▼
Recurring financial charges65€16k€14k▼
Profit (loss) for the period before taxes9903€36k€96k▲
Income taxes67/77€13k€29k▲
Profit (loss) for the period9904€24k€67k▲
Profit (loss) for the period to be appropriated9905€24k€67k▲
Appropriation of the result
Profit (loss) to be appropriated9906€106k€149k▲
Profit (loss) brought forward from the previous period14P€82k€82k=
Transfer to equity691/2€24k€67k▲
To other reserves6921€24k€67k▲
Social balance
Average headcount (FTE)9087-1.6
The notes to these accounts (15 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
2025
31-10
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
31-03
Financial
Highest result since 2019net €67k ▲180%
Operating result €110k, net result €67k, both a record.
31-03
Financial
Equity above €150kEq €198k ▲50.8%
3 profitable years in a row build equity to €198k.
2024
29-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2023
23-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
31-03
Financial
Back to profitnet €5k
Net result €5k after 2 loss-making years.
2022
07-10
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2021
02-11
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 2 days late
31-03
Financial
Weakest financial yearnet €-6k ▼250%
Net result drops to €-6k, the lowest in the series; recovery starts the following year.
2020
28-09
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2019
17-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
29-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
26-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
28-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Brakel · 1 establishment unit 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.
Neerstraat 579660 BrakelGround area
161 m²
Building footprint
271 m²
Volume, LiDAR
2,095 m³
Parcel 45028A0705/00R003, Flanders · tallest building 16.3 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
KANTOOR DHAEYER
since 20002.116.083.902
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45028A0705/00R003 | Flanders | 161 m² | 1 · 271 m² | 16.3 m · 1 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 4,686 companies in sector 66220 we hold annual accounts for 3,231. 2,825 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-11-2000
Fiscal year end31-03
Activities, NACEBEL
66220Insurance agents and brokers
67201
Sources
Crossroads Bank for EnterprisesNational Bank · 24 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.