PARATODOS 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 €15.14M and a net result of €1.04M. Equity is shrinking by ~3% per year across the filed fiscal years. Its solvency ranks better than 85% of 2381 sector peers (fiscal year 2025). The company has been active since 2009 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 31-12-2025 was due by 31-07-2026 and was filed on 29-04-2026, 93 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
93 d early
2024
86 d early
2023
98 d early
2022
96 d early
2021
73 d early
2020
74 d early
2019
74 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Equity
€15.14M▲ 0.4%
2024 · €15.09M
2018: €18.28M
2019: €17.50M
2020: €16.64M
2021: €16.09M
2022: €19.24M
2023: €14.18M
2024: €15.09M
2018 → 2025
Net result
€1.04M▼ 35.2%
2024 · €1.61M
2018: €-620k
2019: €-777k
2020: €-864k
2021: €-546k
2022: €3.15M
2023: €936k
2024: €1.61M
2018 → 2025
Total assets
€15.81M▲ 0.1%
2024 · €15.79M
2018: €37.31M
2019: €34.91M
2020: €33.81M
2021: €31.45M
2022: €19.44M
2023: €15.77M
2024: €15.79M
2018 → 2025
Solvency
95.8%▲ 0.2pp
2024 · 95.5%
2018: 49.0%
2019: 50.1%
2020: 49.2%
2021: 51.2%
2022: 99.0%
2023: 89.9%
2024: 95.5%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€16.09M-€19.24M▲ 19.6%€14.18M▼ 26.3%€15.09M▲ 6.4%€15.14M▲ 0.4%
Operating result€-244k-€-1.33M▼ 445%€-457k▲ 65.6%€-586k▼ 28.1%€-590k▼ 0.7%
Net result€-546k-€3.15M€936k▼ 70.3%€1.61M▲ 71.9%€1.04M▼ 35.2%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €590k in 2025 against €586k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €15.81M
Fixed assets
€15.42M=
Current assets
€388k▲ 4.3%
Equity and liabilities €15.81M
Equity
€15.14M▲ 0.4%
Debt
€667k▼ 5.3%
The debt ratio falls from 4.5% to 4.2%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
95.8%▲
2024 · 95.5%
ROE
6.9%▼
2024 · 10.7%
ROA
6.6%▼
2024 · 10.2%
Debt
€667k▼
2024 · €704k
Debt ≤ 1 year
€656k▼
2024 · €700k
Income taxes
€342k▲
2024 · €105k
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€15.79M€15.81M▲
Fixed assets21/28€15.42M€15.42M=
Financial fixed assets28€15.42M€15.42M=
Affiliated companies280/1€15.42M€15.42M=
Participating interests280€15.42M€15.42M=
Current assets29/58€371k€388k▲
Amounts receivable within one year40/41€9k€9k=
Other amounts receivable41€9k€9k=
Cash at bank and in hand54/58€357k€377k▲
Deferred charges and accrued income490/1€5k€1k▼
Equity and liabilities
Total equity and liabilities10/49€15.79M€15.81M▲
Equity10/15€15.09M€15.14M▲
Contributions10/11€15.00M€15.00M=
Capital10€15.00M€15.00M=
Issued capital100€15.00M€15.00M=
Reserves13€81k€133k▲
Non-distributable reserves130/1€81k€133k▲
Legal reserve130€81k€133k▲
Profit (loss) carried forward14€6k€7k▲
Amounts payable17/49€704k€667k▼
Amounts payable within one year42/48€700k€656k▼
Trade debts44€113€26k▲
Suppliers440/4€113€26k▲
Taxes, remuneration and social security45-€40k
Taxes450/3-€40k
Other amounts payable47/48€700k€590k▼
Accrued charges and deferred income492/3€4k€11k▲
Income statement
Code20242025
Operating charges60/66A€586k€590k▲
Services and other goods61€239k€289k▲
Other operating charges640/8€346k€301k▼
Operating profit (loss)9901€-586k€-590k▼
Financial income75/76B€2.31M€2.00M▼
Recurring financial income75€2.31M€2.00M▼
Income from financial fixed assets750€2.30M€1.99M▼
Income from current assets751€10k€7k▼
Other financial income752/9-€0
Financial charges65/66B€9k€26k▲
Recurring financial charges65€9k€26k▲
Debt charges650-€4k
Other financial charges652/9€9k€22k▲
Profit (loss) for the period before taxes9903€1.71M€1.39M▼
Income taxes67/77€105k€342k▲
Taxes670/3€105k€342k▲
Profit (loss) for the period9904€1.61M€1.04M▼
Profit (loss) for the period to be appropriated9905€1.61M€1.04M▼
Appropriation of the result
Profit (loss) to be appropriated9906€787k€1.05M▲
Profit (loss) brought forward from the previous period14P€-823k€6k▲
Transfer to equity691/2€81k€52k▼
To the legal reserve6920€81k€52k▼
Profit to be distributed694/7€700k€990k▲
Return on contributions (dividend)694€700k€990k▲
The notes to these accounts (18 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
29-04
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
06-05
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
24-04
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
26-04
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Back to profitnet €3.15M
Net result €3.15M after 4 loss-making years.
19-05
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Liquidity times 62current ratio 2934.61
Current ratio from 47.52 to 2934.61; short-term debt falls from €18k to €332.
18-05
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Weakest financial yearnet €-864k
Net result drops to €-864k, the lowest in the series; recovery starts the following year.
18-05
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Liquidity quadruplescurrent ratio 110.95
Current ratio from 25.09 to 110.95; short-term debt falls from €57k to €3k.
14-05
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
17-05
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
17-05
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
23 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, Dilbeek
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.
Eikelenbergstraat 201700 DilbeekGround area
5.5 ha
Building footprint
1,350 m²
Volume, LiDAR
18,171 m³
Parcel 23016C0174/00K000, Flanders · tallest building 17.2 m, ±5 floors. Linked by address, not a title deed.
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23016C0174/00K000 | Flanders | 5.5 ha | 1 · 1,350 m² | 17.2 m · 5 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.
Structure & network
Group per the LEI register
1 parent companyParent company:De Eik
Recognitions · licences · registrations
Legal Entity Identifier
529900B744KMOQKDAZ29
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,754. 4,908 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded08-10-2009
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.