Summary
Conclusion
the dossier summarised in one paragraphPERSPECTIVE is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The company has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. No processed annual-account figures are available; this conclusion rests on registry and State Gazette data only.
Based on State Gazette and CBE data.
Filing behaviour
From the deposit records, complete market-wideLatest accounts filed on time
The financial year that closed on 31-08-2025 was due by 31-03-2026 and was filed on 09-01-2026, 81 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
The next deadline is still running
The next financial year closes on 31-08-2026 and is due by 31-03-2027. Nothing is late today.
How we compute the deadline
The year end is derived from 10 filed financial years, each closing on 31-08. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-08-2025, that is 31-03-2026.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-08-2025 | 31-03-2026 | 09-01-2026 | 81 d early | 2026-00008188 |
| 31-08-2024 | 31-03-2025 | 28-02-2025 | 31 d early | 2025-00043878 |
| 31-08-2023 | 31-03-2024 | 04-03-2024 | 27 d early | 2024-00041164 |
| 31-08-2022 | 31-03-2023 | 31-03-2023 | on the day | 2023-00055386 |
| 31-08-2021 | 31-03-2022 | 03-01-2022 | 87 d early | 2022-00300177 |
| 31-08-2020 | 31-03-2021 | 25-02-2021 | 34 d early | 2021-06800176 |
| 31-08-2019 | 31-03-2020 | 18-12-2019 | 104 d early | 2019-76700531 |
| 31-08-2018 | 31-03-2019 | 14-06-2019 | 75 d late | 2019-17400017 |
| 31-08-2017 | 31-03-2018 | 07-03-2018 | 24 d early | 2018-05900004 |
| 31-08-2016 | 31-03-2017 | 23-02-2017 | 36 d early | 2017-05100063 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsEstablished
Founded in 2014, 12 years in business.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyoneThis is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.
Financials
Annual accounts & ratios
Source: NBBFinancials being processed
NBB has 10 filing(s) on record for this company, latest fiscal year 2025 (ander). The annual accounts are being processed.
Filings on record
| Fiscal year | Type | Filed | Reference |
|---|---|---|---|
| 31-08-2025 | ander | 09-01-2026 | 2026-00008188 |
| 31-08-2024 | ander | 28-02-2025 | 2025-00043878 |
| 31-08-2023 | ander | 04-03-2024 | 2024-00041164 |
| 31-08-2022 | ander | 31-03-2023 | 2023-00055386 |
| 31-08-2021 | ander | 03-01-2022 | 2022-00300177 |
| 31-08-2020 | ander | 25-02-2021 | 2021-06800176 |
| 31-08-2019 | ander | 18-12-2019 | 2019-76700531 |
| 31-08-2018 | ander | 14-06-2019 | 2019-17400017 |
| 31-08-2017 | ander | 07-03-2018 | 2018-05900004 |
| 31-08-2016 | ander | 23-02-2017 | 2017-05100063 |
Directors
Directors & mandates
17 directorsCurrent directors & mandates
-
Current26-03-2025 → present
-
Current26-03-2025 → present
-
Current26-03-2025 → present
-
Current29-11-2023 → present
2 events
- 26-03-2025 Mandate renewed· Director
- 29-11-2023 Appointed· Director
-
Current29-11-2022 → present
-
Current01-09-2020 → present
3 events
- 26-03-2025 Mandate renewed· Director
- 17-12-2021 Mandate renewed· Director
- 01-09-2020 Appointed· Director
-
Current10-04-2018 → present
3 events
- 17-12-2021 Mandate renewed· Director
- 13-12-2018 Mandate renewed· Director
- 10-04-2018 Appointed· Director
-
Current01-07-2017 → present
3 events
- 17-12-2021 Mandate renewed· Director
- 13-12-2018 Mandate renewed· Director
- 01-07-2017 Appointed· Director
-
Current29-11-2016 → present
3 events
- 17-12-2021 Mandate renewed· Director
- 13-12-2018 Mandate renewed· Director
- 29-11-2016 Appointed· Director
-
Current30-03-2016 → present
3 events
- 17-12-2021 Mandate renewed· Director
- 13-12-2018 Mandate renewed· Director
- 30-03-2016 Appointed· Director
-
Current16-12-2015 → present
3 events
- 17-12-2021 Mandate renewed· Director
- 13-12-2018 Mandate renewed· Director
- 16-12-2015 Mandate renewed· Director
Historic, not recently confirmed (6)
These mandates remain open in the register but have not been confirmed by a new act in over six years. They do not count as active directors.
-
Not recently confirmedlast confirmed in an act from 2018
2 events
- 13-12-2018 Mandate renewed· Director
- 01-05-2017 Appointed· Director
-
Not recently confirmedlast confirmed in an act from 2016
-
Not recently confirmedlast confirmed in an act from 2015
-
Not recently confirmedlast confirmed in an act from 2015
-
Not recently confirmedlast confirmed in an act from 2015
-
Not recently confirmedlast confirmed in an act from 2015
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.
Statutory auditor
2 auditors| Statutory auditor | IRE/IBR number | Tenure |
|---|---|---|
| Mazars Bedrijfsrevisoren BVCurrent Statutory auditor · represented by Dirk Stragier |
- | 27-05-2021 → present |
| Deloitte Bedrijfsrevisoren BVBA o.v.v.e. CVBA Statutory auditor · represented by Frank Verhaegen succeeded by Mazars Bedrijfsrevisoren BV in 2021 |
- | 16-12-2015 → 27-05-2021 |
Appointed statutory auditor from the Belgian State Gazette. The IRE/IBR number refers to the register of the Institute of Registered Auditors.
Insolvency mandates
No insolvency mandates (liquidators, administrators) on record for this company.
Legal Structure
| NACE primary | Overige ondersteunende activiteiten in verband met financiële diensten, neg, exclusief verzekeringen en pensioenfondsen(66199) |
| Legal form | Public limited company(014) |
| Incorporation | 13-08-2014 |
| Status | Active |
| Postal code | 1080 |
Locations & real estate
Registered office
from the Crossroads BankCannot 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.
Havenlaan 21080 Sint-Jans-MolenbeekParcels1
Ground area1.6 ha
Buildings1
Building footprint1.3 ha
Volume (LiDAR)336,407 m³
Tallest building51.3 m · ±7 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21012A0177/00B004 | Brussels | 1.6 ha | 1 · 1.3 ha | 51.3 m · 7 fl. |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
18 acts All acts · 18
updated 4 months ago
2026
15-04-2026 Act object · General meeting · Statute amendment · Notarial deed
- Act object: STATUTEN (VERTALING, COORDINATIE, OVERIGE WIJZIGINGEN) · PERSPECTIVE
- General meeting: date: 2026-04-08, type: buitengewone algemene vergadering · PERSPECTIVE
- Statute amendment: reason: voldoen aan de vereisten voortvloeiend uit de Richtlijn (EU) 2024/927 van het Europees Parlement en de Raad van 13 maart 2024 tot wijziging van Richtlijn 2011/61/EU en Richtlijn 2009/65/EG (“AIFMD II”). In dit kader worden er bijkomende liquiditeitsbeheerinstrumenten voorzien in de statuten, met name swing pricing en redemption gates., effective_date: 2026-04-10 · PERSPECTIVE
- Filing: date: 2026-04-13 · PERSPECTIVE
- Publication: date: 2026-04-15, publication: Belgisch Staatsblad · PERSPECTIVE
- Notarial deed: date: 2026-04-08 · PERSPECTIVE
Summary:
Act object · General meeting · Statute amendment · Notarial deedNotary:
Yorik DESMYTTERE
2025
26-03-2025 2 directors appointed, 3 reappointed
- Sara Baeten, Bestuurder
- Bart Van Leemput, Bestuurder
- Johan Tyteca, Bestuurder
- Anne Van Oudenhove, Bestuurder
- Jos Walravens, Bestuurder
Summary:
v3.2
2024
07-11-2024 Dirk Stragier reappointed as statutory auditor
08-05-2024 Anne Van Oudenhove appointed as director
2022
16-12-2022 Wim Van Hellemont appointed as director
2021
17-12-2021 6 reappointed
- Tom Mermuys, Bestuurder
- Jozef Walravens, Bestuurder
- Jean Louis Claessens, Bestuurder
- Carine Vansteenkiste, Bestuurder
- Johan Tyteca, Bestuurder
- Patrick Dallemagne, Bestuurder
Summary:
v3.2
27-05-2021 Dirk Stragier appointed as statutory auditor
20-01-2021 Articles of association amended
Summary:
v3.2
2020
30-09-2020 Johan Tyteca appointed as director
2018
13-12-2018 6 reappointed
- Patrick Dallemagne, Bestuurder
- Tom Mermuys, Bestuurder
- Jozef Walravens, Bestuurder
- Jean-Louis Claessens, Bestuurder
- Wilfried Kupers, Bestuurder
- Carine Vansteenkiste, Bestuurder
Summary:
v3.2
02-05-2018 Patrick Dallemagne appointed as director
2017
14-07-2017 Tom Mermuys appointed as director
18-05-2017 Wilfried Kupers appointed as director
2016
15-12-2016 Carine Vansteenkiste appointed as director
12-05-2016 2 directors appointed
2015
16-12-2015 6 reappointed
- Olivier Morel, Bestuurder
- Joseph Vuchelen, Bestuurder
- Jean-Louis Claessens, Bestuurder
- Luc Vanbriel, Bestuurder
- Wouter Vanden Eynde, Bestuurder
- Frank Verhaegen, Commissaris
Summary:
v3.2
22-07-2015 Articles of association amended
Summary:
v3.2
2014
25-08-2014 Incorporation of a new NV
Summary:
oprichting
Analysis
Credit advice
verdict per customer and amountSimilar
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We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. We hold annual accounts for 237 of the 1,500 companies in this sector.
Company registry
Company registry (CBE)
Crossroads BankActivities
Overige ondersteunende activiteiten in verband met financiële diensten, exclusief verzekeringen en pensioenfondsen, n.e.g.66199Overige ondersteunende activiteiten in verband met financiële diensten, neg, exclusief verzekeringen en pensioenfondsen66199
Primary activity highlighted.
Names & trade names
| Legal nameNL | PERSPECTIVE |
Registered office
Havenlaan 2
1080 Sint-Jans-Molenbeek, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.