Pieter Deckers 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 €782k and a net result of €59k. Equity is growing by ~12% per year across the filed fiscal years. Its solvency ranks better than 93% of 1463 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 31-12-2025 was due by 31-07-2026 and was filed on 24-04-2026, 98 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
98 d early
2024
21 d late
2023
21 d late
2022
29 d late
2021
1 d early
2020
2 d late
2019
31 d late
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€782k▲ 1.7%
2024 · €769k
2018: €162k
2019: €208k
2020: €331k
2021: €782k
2022: €803k
2023: €792k
2024: €769k
2018 → 2025
Net result
€59k▲ 17.2%
2024 · €51k
2018: €80k
2019: €48k
2020: €126k
2021: €463k
2022: €53k
2023: €28k
2024: €51k
2018 → 2025
Total assets
€853k▼ 0.6%
2024 · €858k
2018: €393k
2019: €438k
2020: €546k
2021: €983k
2022: €908k
2023: €877k
2024: €858k
2018 → 2025
Solvency
91.7%▲ 2.1pp
2024 · 89.7%
2018: 41.1%
2019: 47.4%
2020: 60.5%
2021: 79.5%
2022: 88.4%
2023: 90.3%
2024: 89.7%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€782k-€803k▲ 2.8%€792k▼ 1.4%€769k▼ 2.9%€782k▲ 1.7%
Operating result€96k-€10k▼ 89.8%€-21k€-20k▲ 4.9%€-35k▼ 77.3%
Net result€463k-€53k▼ 88.6%€28k▼ 46.9%€51k▲ 80.8%€59k▲ 17.2%
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 stays negative: a loss of €35k in 2025 against €20k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €853k
Fixed assets
€321k▲ 1.8%
Current assets
€532k▼ 2.0%
Equity and liabilities €853k
Equity
€782k▲ 1.7%
Debt
€71k▼ 20.4%
The debt ratio falls from 10.3% to 8.3%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
91.7%▲
2024 · 89.7%
ROE
7.6%▲
2024 · 6.6%
ROA
6.9%▲
2024 · 5.9%
Debt
€71k▼
2024 · €89k
Debt ≤ 1 year
€20k▼
2024 · €23k
Debt > 1 year
€50k▼
2024 · €66k
Income taxes
€6k▲
2024 · €5k
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€858k€853k▼
Fixed assets21/28€315k€321k▲
Tangible fixed assets22/27€262k€268k▲
Land and buildings22€161k€157k▼
Plant, machinery and equipment23€3k€4k▲
Furniture and vehicles24€46k€42k▼
Other tangible fixed assets26€52k€66k▲
Financial fixed assets28€53k€53k=
Current assets29/58€543k€532k▼
Amounts receivable after more than one year29€469k€480k▲
Other amounts receivable291€469k€480k▲
Amounts receivable within one year40/41€5k€10k▲
Other amounts receivable41€5k€10k▲
Cash at bank and in hand54/58€48k€39k▼
Deferred charges and accrued income490/1€21k€4k▼
Equity and liabilities
Total equity and liabilities10/49€858k€853k▼
Equity10/15€769k€782k▲
Contributions10/11€6k€6k=
Reserves13€763k€776k▲
Distributable reserves133€763k€776k▲
Amounts payable17/49€89k€71k▼
Amounts payable after more than one year17€66k€50k▼
Financial debts170/4€66k€50k▼
Amounts payable within one year42/48€23k€20k▼
Current portion of amounts payable after more than one year42€16k€16k▲
Trade debts44€3k€3k▼
Suppliers440/4€3k€3k▼
Taxes, remuneration and social security45€4k€1k▼
Taxes450/3€4k€1k▼
Accrued charges and deferred income492/3€54€567▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€24k€22k▼
Other operating charges640/8€3k€4k▲
Gross operating margin9900€8k€-9k▼
Operating profit (loss)9901€-20k€-35k▼
Financial income75/76B€83k€108k▲
Recurring financial income75€83k€108k▲
Financial charges65/66B€8k€7k▼
Recurring financial charges65€8k€7k▼
Profit (loss) for the period before taxes9903€56k€65k▲
Income taxes67/77€5k€6k▲
Profit (loss) for the period9904€51k€59k▲
Profit (loss) for the period to be appropriated9905€51k€59k▲
Appropriation of the result
Profit (loss) to be appropriated9906€51k€59k▲
Transfer from equity791/2€73k€46k▼
Transfer to equity691/2€51k€59k▲
To other reserves6921€51k€59k▲
Profit to be distributed694/7€73k€46k▼
Return on contributions (dividend)694€73k€46k▼
The notes to these accounts (13 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
24-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
21-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 21 days late
2024
21-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 21 days late
2023
31-12
Financial
Weakest financial yearnet €28k ▼46.9%
Net result drops to €28k, the lowest in the series; recovery starts the following year.
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 29 days late
2022
31-12
Financial
Liquidity quadruplescurrent ratio 25.15
Current ratio from 6.42 to 25.15; short-term debt falls from €100k to €23k.
30-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €463k ▲268%
Net result €463k, the highest in the series.
31-12
Financial
Liquidity doublescurrent ratio 6.42
Current ratio from 2.79 to 6.42.
31-12
Financial
Equity above €500kEq €782k ▲136%
4 profitable years in a row build equity to €782k.
02-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 2 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
31-12
Financial
Equity above €200kEq €208k ▲28.6%
2 profitable years in a row build equity to €208k.
23-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 23 days late
2018
20-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 20 days late
2017
10-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2025
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
15-01-2025
LAUWERYSEN Mieke: Resigned as Director
10-08-2021
LAUWERYSEN Mieke: Resigned as Director
10-08-2021
Deckers Pieter: Resigned as Director
02-09-2020
Harting Maarten: Resigned as Director
Location & real-estate footprint
Registered office, Zoersel · 2 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.
Schalmeidreef 52980 ZoerselGround area
1,557 m²
Building footprint
517 m²
Volume, LiDAR
5,893 m³
2 parcels, Flanders · tallest building 20.5 m, ±5 floors. Linked by address, not a title deed.
2 establishment units
Anselmostraat 89, 2018 Antwerpen
since 20132.216.334.687
Schalmeidreef 5, 2980 Zoersel
since 20132.216.335.281
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11055A0435/00D002 | Flanders | 959 m² | 1 · 142 m² | 6.2 m · 2 fl. |
| 11810K1533/00X006 | Flanders | 598 m² | 1 · 375 m² | 20.4 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 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 4,687 companies in sector 66220 we hold annual accounts for 3,231. 2,353 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-01-2013
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.