PATER 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 €106k and a net result of €75. Equity is growing by ~6.3% per year across the filed fiscal years. Its solvency ranks better than 16% of 8006 sector peers (fiscal year 2025). The company has been active since 2015 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 27-07-2026, 4 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
4 d early
2024
43 d early
2023
29 d late
2022
30 d late
2021
31 d late
2020
39 d early
2019
15 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€106k▼ 1.5%
2024 · €107k
2018: €66k
2019: €76k
2020: €93k
2021: €113k
2022: €19k
2023: €66k
2024: €107k
2018 → 2025
Net result
€75▼ 99.8%
2024 · €43k
2018: €907
2019: €11k
2020: €17k
2021: €21k
2022: €-94k
2023: €47k
2024: €43k
2018 → 2025
Total assets
€1.14M▲ 0.3%
2024 · €1.14M
2018: €1.13M
2019: €1.11M
2020: €1.16M
2021: €1.16M
2022: €1.14M
2023: €1.15M
2024: €1.14M
2018 → 2025
Solvency
9.2%▼ 0.2pp
2024 · 9.4%
2018: 5.8%
2019: 6.9%
2020: 8.0%
2021: 9.8%
2022: 1.7%
2023: 5.8%
2024: 9.4%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€113k-€19k▼ 82.9%€66k▲ 245%€107k▲ 61.8%€106k▼ 1.5%
Operating result€76k-€-81k€79k€64k▼ 19.2%€20k▼ 68.7%
Net result€21k-€-94k€47k€43k▼ 9.4%€75▼ 99.8%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 69% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.14M
Fixed assets
€1.13M=
Current assets
€13k▲ 39.5%
Equity and liabilities €1.14M
Equity
€106k▼ 1.5%
Debt
€1.04M▲ 0.5%
The debt ratio rises from 90.6% to 90.8%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
9.2%▼
2024 · 9.4%
ROE
0.1%▼
2024 · 39.7%
ROA
0.0%▼
2024 · 3.7%
Debt
€1.04M▲
2024 · €1.03M
Debt ≤ 1 year
€1.04M▲
2024 · €1.03M
Income taxes
€0
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€1.14M€1.14M▲
Fixed assets21/28€1.13M€1.13M=
Tangible fixed assets22/27€31k€31k=
Land and buildings22€31k€31k=
Financial fixed assets28€1.10M€1.10M=
Current assets29/58€9k€13k▲
Amounts receivable within one year40/41€9k€12k▲
Trade receivables40€9k€12k▲
Current investments50/53€2€2▲
Cash at bank and in hand54/58€357€1k▲
Equity and liabilities
Total equity and liabilities10/49€1.14M€1.14M▲
Equity10/15€107k€106k▼
Contributions10/11€60k€60k=
Reserves13€51k€49k▼
Non-distributable reserves130/1€1k€1k=
Reserves not available under the articles1311€1k€1k=
Distributable reserves133€50k€48k▼
Profit (loss) carried forward14€-4k€-4k▲
Amounts payable17/49€1.03M€1.04M▲
Amounts payable within one year42/48€1.03M€1.04M▲
Trade debts44€13k€2k▼
Suppliers440/4€13k€2k▼
Taxes, remuneration and social security45€4k€3k▼
Taxes450/3€4k€3k▼
Other amounts payable47/48€1.02M€1.03M▲
Income statement
Code20242025
Other operating charges640/8€1k€1k▲
Gross operating margin9900€65k€21k▼
Operating profit (loss)9901€64k€20k▼
Financial income75/76B€0€0▼
Recurring financial income75€0€0▼
Financial charges65/66B€21k€20k▼
Recurring financial charges65€21k€20k▼
Profit (loss) for the period before taxes9903€43k€75▼
Income taxes67/77-€0
Profit (loss) for the period9904€43k€75▼
Profit (loss) for the period to be appropriated9905€43k€75▼
Appropriation of the result
Profit (loss) to be appropriated9906€-4k€-4k▲
Profit (loss) brought forward from the previous period14P€-46k€-4k▲
Transfer from equity791/2€2k€2k=
Profit to be distributed694/7€2k€2k=
Return on contributions (dividend)694€2k€2k=
The notes to these accounts (5 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
28-07
State Gazette act
Resignations & appointmentsGeneral meeting · Director appointment2 facts ▸
State Gazette act
Resignations & appointments
General meeting · Director appointment2 facts ▸
- General meeting, 01/07/2026
- Director appointment, De Vroe Lien (bestuurder)
27-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
18-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €100kEq €107k ▲61.8%
2 profitable years in a row build equity to €107k.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Back to profitnet €47k
Net result €47k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 30 days late
2022
31-12
Financial
Weakest financial yearnet €-94k ▼536%
Net result drops to €-94k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
31-12
Financial
Equity above €100kEq €113k ▲21.3%
4 profitable years in a row build equity to €113k.
22-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
16-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
12-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
27-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
20-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2026
De Vroe Lien
CurrentDirector · since 01-07-2026
01-07-2026
Appointed as Director
Location & real-estate footprint
Registered office, Aalst · 1 establishment unit since 2015
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.
Kluizestraat 69320 AalstGround area
708 m²
Building footprint
164 m²
Volume, LiDAR
1,001 m³
Parcel 41014A0162/00M000, Flanders · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PATER
since 20152.243.713.037
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41014A0162/00M000 | Flanders | 708 m² | 1 · 164 m² | 8.7 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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SOCIETE DU LIS
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SOLUTION MEDIAS
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,760. 12,456 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-07-2015
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
64910Financial service activities, except insurance and pension funding
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.