PER is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €114k and a net result of €-4k. Equity remains stable across the filed fiscal years (±0.5% per year). Its solvency ranks better than 95% of 9864 sector peers (fiscal year 2024). 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
Two signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 12-06-2025, 49 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
49 d early
2023
50 d early
2022
30 d early
2021
32 d early
2020
31 d late
2019
69 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€114k▼ 3.0%
2023 · €118k
2018: €75k
2019: €125k
2020: €143k
2021: €116k
2022: €106k
2023: €118k
2018 → 2024
Net result
€-4k
2023 · €12k
2018: €34k
2019: €50k
2020: €50k
2021: €-26k
2022: €-10k
2023: €12k
2018 → 2024
Total assets
€116k▼ 4.1%
2023 · €121k
2018: €298k
2019: €294k
2020: €231k
2021: €121k
2022: €109k
2023: €121k
2018 → 2024
Solvency
98.5%▲ 1.1pp
2023 · 97.3%
2018: 25.2%
2019: 42.3%
2020: 61.8%
2021: 95.8%
2022: 97.5%
2023: 97.3%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€143k-€116k▼ 18.5%€106k▼ 9.0%€118k▲ 11.4%€114k▼ 3.0%
Operating result€69k-€-22k€-10k▲ 56.8%€14k€-3k
Net result€50k-€-26k€-10k▲ 60.4%€12k€-4k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €3k after €14k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €116k
Fixed assets
€13k▼ 1.4%
Current assets
€104k▼ 4.4%
Equity and liabilities €116k
Equity
€114k▼ 3.0%
Debt
€2k▼ 44.5%
The debt ratio falls from 2.7% to 1.5%. Equity and debt are lower.
Key figures and ratios
Solvency
98.5%▲
2023 · 97.3%
ROE
-3.1%▼
2023 · 10.3%
ROA
-3.0%▼
2023 · 10.0%
Debt
€2k▼
2023 · €3k
Debt ≤ 1 year
€2k▼
2023 · €3k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€121k€116k▼
Fixed assets21/28€13k€13k▼
Tangible fixed assets22/27€13k€12k▼
Land and buildings22€13k€12k▼
Financial fixed assets28€200€200=
Current assets29/58€108k€104k▼
Amounts receivable within one year40/41€25k€17k▼
Trade receivables40€20k€15k▼
Other amounts receivable41€5k€2k▼
Current investments50/53€92€92=
Cash at bank and in hand54/58€82k€85k▲
Deferred charges and accrued income490/1€886€1k▲
Equity and liabilities
Total equity and liabilities10/49€121k€116k▼
Equity10/15€118k€114k▼
Contributions10/11€60k€60k=
Reserves13€12k€12k=
Distributable reserves133€12k€12k=
Profit (loss) carried forward14€46k€42k▼
Amounts payable17/49€3k€2k▼
Amounts payable within one year42/48€3k€2k▼
Trade debts44€837€153▼
Suppliers440/4€837€153▼
Taxes, remuneration and social security45€2k€670▼
Taxes450/3€2k€670▼
Other amounts payable47/48€754€971▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€190€184▼
Other operating charges640/8€449€433▼
Gross operating margin9900€14k€-3k▼
Operating profit (loss)9901€14k€-3k▼
Financial charges65/66B€196€190▼
Recurring financial charges65€196€190▼
Profit (loss) for the period before taxes9903€13k€-4k▼
Income taxes67/77€1k-
Profit (loss) for the period9904€12k€-4k▼
Profit (loss) for the period to be appropriated9905€12k€-4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€58k€42k▼
Profit (loss) brought forward from the previous period14P€46k€46k=
Transfer to equity691/2€12k-
To other reserves6921€12k-
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
2025
12-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
11-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €12k
Net result €12k after 2 loss-making years.
01-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-26k ▼153%
Net result drops to €-26k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 6current ratio 21.23
Current ratio from 3.74 to 21.23; short-term debt falls from €36k to €5k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
08-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 69 days late
2019
31-12
Financial
Equity above €100kEq €125k ▲66.1%
2 profitable years in a row build equity to €125k.
24-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 55 days late
2018
15-11
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 107 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
2016
10-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 10 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Tienen · 1 establishment unit since 2009
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.
Kummenbaan(OPL) 483300 TienenGround area
3,714 m²
Building footprint
155 m²
Volume, LiDAR
1,009 m³
Parcel 24082C0143/00D000, Flanders · tallest building 10.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
PER
since 20092.180.089.549
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24082C0143/00D000 | Flanders | 3,714 m² | 1 · 155 m² | 10.4 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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Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 12,649 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-06-2009
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 13 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.
Contact details
1 entryPhone:0485664654