ONESTA 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 €145k and a net result of €106k. Equity is growing by ~2.9% per year across the filed fiscal years. Its solvency ranks better than 37% of 5498 sector peers (fiscal year 2025). The company has been active since 2013 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 02-10-2025, 29 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
29 d early
2024
149 d early
2023
75 d early
2022
55 d early
2021
54 d early
2020
37 d early
2019
57 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
€145k▲ 46.9%
2024 · €99k
2019: €86k
2020: €90k
2021: €148k
2022: €133k
2023: €95k
2024: €99k
2019 → 2025
Net result
€106k▲ 67.3%
2024 · €63k
2019: €194
2020: €4k
2021: €58k
2022: €85k
2023: €92k
2024: €63k
2019 → 2025
Total assets
€383k▼ 6.8%
2024 · €411k
2019: €373k
2020: €449k
2021: €498k
2022: €350k
2023: €329k
2024: €411k
2019 → 2025
Solvency
37.7%▲ 13.8pp
2024 · 23.9%
2019: 23.1%
2020: 20.0%
2021: 29.8%
2022: 37.9%
2023: 28.9%
2024: 23.9%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€148k-€133k▼ 10.4%€95k▼ 28.4%€99k▲ 3.6%€145k▲ 46.9%
Operating result€89k-€32k▼ 64.3%€117k▲ 269%€104k▼ 11.3%€158k▲ 52.1%
Net result€58k-€85k▲ 45.4%€92k▲ 9.2%€63k▼ 31.3%€106k▲ 67.3%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 52% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €383k
Fixed assets
€156k▼ 6.5%
Current assets
€227k▼ 7.1%
Equity and liabilities €383k
Equity
€145k▲ 46.9%
Debt
€239k▼ 23.7%
The debt ratio falls from 76.1% to 62.3%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
37.7%▲
2024 · 23.9%
ROE
73.4%▲
2024 · 64.4%
ROA
27.7%▲
2024 · 15.4%
Debt
€239k▼
2024 · €313k
Debt ≤ 1 year
€121k▼
2024 · €158k
Debt > 1 year
€118k▼
2024 · €155k
Income taxes
€45k▲
2024 · €31k
Staff costs
€284k▲
2024 · €239k
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€411k€383k▼
Formation expenses20€0-
Fixed assets21/28€167k€156k▼
Tangible fixed assets22/27€155k€148k▼
Land and buildings22€129k€124k▼
Plant, machinery and equipment23€0€2k▲
Furniture and vehicles24€26k€22k▼
Financial fixed assets28€12k€8k▼
Current assets29/58€244k€227k▼
Amounts receivable within one year40/41€784€0▼
Trade receivables40€315€0▼
Other amounts receivable41€469€0▼
Cash at bank and in hand54/58€239k€226k▼
Deferred charges and accrued income490/1€5k€1k▼
Equity and liabilities
Total equity and liabilities10/49€411k€383k▼
Equity10/15€99k€145k▲
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€78k€124k▲
Amounts payable17/49€313k€239k▼
Amounts payable after more than one year17€155k€118k▼
Financial debts170/4€155k€118k▼
Amounts payable within one year42/48€158k€121k▼
Current portion of amounts payable after more than one year42€46k€39k▼
Financial debts43€12k€7k▼
Credit institutions430/8€12k€7k▼
Trade debts44€9k€21k▲
Suppliers440/4€9k€21k▲
Advances received on contracts in progress46-€2k
Taxes, remuneration and social security45€91k€51k▼
Taxes450/3-€14k
Remuneration and social security454/9€91k€37k▼
Income statement
Code20242025
Non-recurring operating income76A-€0
Remuneration, social security and pensions62€239k€284k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€24k▲
Other operating charges640/8€8k€8k▲
Non-recurring operating charges66A-€336
Gross operating margin9900€373k€474k▲
Operating profit (loss)9901€104k€158k▲
Financial income75/76B€5€0▼
Recurring financial income75€5€0▼
Financial charges65/66B€9k€6k▼
Recurring financial charges65€9k€6k▼
Profit (loss) for the period before taxes9903€94k€151k▲
Income taxes67/77€31k€45k▲
Profit (loss) for the period9904€63k€106k▲
Profit (loss) for the period to be appropriated9905€63k€106k▲
Appropriation of the result
Profit (loss) to be appropriated9906€138k€184k▲
Profit (loss) brought forward from the previous period14P€75k€78k▲
Profit to be distributed694/7€60k€60k=
Return on contributions (dividend)694€60k€60k=
Social balance
Average headcount (FTE)90874.45.0▲
The notes to these accounts (21 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
02-10
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
31-03
Financial
Highest result since 2019net €106k ▲67.3%
Operating result €158k, net result €106k, both a record.
31-03
Financial
Equity above €100kEq €145k ▲46.9%
7 profitable years in a row build equity to €145k.
2024
04-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2023
17-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2022
06-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2021
07-09
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
31-03
Financial
Liquidity doublescurrent ratio 5.18
Current ratio from 2.53 to 5.18; short-term debt falls from €67k to €47k.
31-03
Financial
Equity above €100kEq €148k ▲64.7%
3 profitable years in a row build equity to €148k.
2020
24-09
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2019
04-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2017
07-11
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
22-11
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2015
30-10
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
7 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, Beringen · 5 establishment units since 2013
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.
Paalsesteenweg 213580 BeringenGround area
2,438 m²
Building footprint
1,562 m²
Volume, LiDAR
13,044 m³
5 parcels, Flanders · tallest building 19.2 m, ±4 floors. Linked by address, not a title deed.
5 establishment units
Hypotheekwinkel Beringen
since 20132.223.819.129
Hypotheek.winkel Diest
since 20162.265.787.564
Hypotheek.winkel Houthalen
since 20192.294.348.027
Hypotheekwinkel Genk
since 20232.347.937.854
Hypotheekwinkel Hasselt
since 20252.378.280.939
5 parcels
Flanders
5
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72015B0486/00E000 | Flanders | 924 m² | 1 · 728 m² | 15.9 m · 2 fl. |
| 24020A0759/00C000 | Flanders | 785 m² | 1 · 464 m² | 19.2 m · 1 fl. |
| 71328D0100/00P000 | Flanders | 437 m² | 1 · 152 m² | 16.4 m · 4 fl. |
| 71016I0971/00V000 | Flanders | 152 m² | 1 · 153 m² | 16.7 m · 4 fl. |
| 71004C0290/00V000 | Flanders | 139 m² | 1 · 64 m² | 10.3 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 4
5 of 5 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 24,726 companies in sector 64210 we hold annual accounts for 19,747. 13,146 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-10-2013
Fiscal year end31-03
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
66199Other activities auxiliary to financial services, excluding insurance and pension funding
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.