PRINCIP.Al 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 €694k and a net result of €72k. Equity is growing by ~26.5% per year across the filed fiscal years. Its solvency ranks better than 87% of 2413 sector peers (fiscal year 2025). The company has been active since 2007 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 08-07-2026, 23 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
23 d early
2024
8 d early
2023
14 d early
2022
13 d early
2021
13 d early
2020
1 d early
2019
62 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€694k▲ 11.6%
2024 · €622k
2018: €163k
2019: €97k
2020: €206k
2021: €268k
2022: €443k
2023: €482k
2024: €622k
2018 → 2025
Net result
€72k▼ 48.2%
2024 · €140k
2018: €88k
2019: €-66k
2020: €109k
2021: €70k
2022: €201k
2023: €39k
2024: €140k
2018 → 2025
Total assets
€782k▲ 9.6%
2024 · €714k
2018: €392k
2019: €305k
2020: €437k
2021: €452k
2022: €550k
2023: €554k
2024: €714k
2018 → 2025
Solvency
88.8%▲ 1.7pp
2024 · 87.1%
2018: 41.5%
2019: 31.8%
2020: 47.2%
2021: 59.4%
2022: 80.7%
2023: 87.1%
2024: 87.1%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€268k-€443k▲ 65.2%€482k▲ 8.8%€622k▲ 29.0%€694k▲ 11.6%
Operating result€108k-€280k▲ 158%€66k▼ 76.6%€214k▲ 226%€116k▼ 45.6%
Net result€70k-€201k▲ 189%€39k▼ 80.7%€140k▲ 259%€72k▼ 48.2%
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 falls in 2025; 2025 is 46% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €782k
Fixed assets
€64k▲ 35.9%
Current assets
€718k▲ 7.7%
Equity and liabilities €782k
Equity
€694k▲ 11.6%
Debt
€88k▼ 4.6%
The debt ratio falls from 12.9% to 11.2%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
88.8%▲
2024 · 87.1%
ROE
10.4%▼
2024 · 22.5%
ROA
9.3%▼
2024 · 19.6%
Debt
€88k▼
2024 · €92k
Debt ≤ 1 year
€81k▼
2024 · €83k
Income taxes
€37k▼
2024 · €68k
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€714k€782k▲
Fixed assets21/28€47k€64k▲
Tangible fixed assets22/27€21k€15k▼
Plant, machinery and equipment23€9k€7k▼
Furniture and vehicles24€11k€8k▼
Financial fixed assets28€27k€49k▲
Current assets29/58€667k€718k▲
Amounts receivable within one year40/41€425k€228k▼
Trade receivables40€357k€186k▼
Other amounts receivable41€68k€42k▼
Cash at bank and in hand54/58€241k€490k▲
Deferred charges and accrued income490/1€408€418▲
Equity and liabilities
Total equity and liabilities10/49€714k€782k▲
Equity10/15€622k€694k▲
Contributions10/11€175k€175k=
Reserves13€416k€488k▲
Distributable reserves133€416k€488k▲
Profit (loss) carried forward14€31k€31k=
Amounts payable17/49€92k€88k▼
Amounts payable within one year42/48€83k€81k▼
Trade debts44€10k€658▼
Suppliers440/4€10k€658▼
Taxes, remuneration and social security45€5k€5k▼
Taxes450/3€5k€5k▼
Other amounts payable47/48€69k€76k▲
Accrued charges and deferred income492/3€9k€6k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€6k▼
Other operating charges640/8€2k€22k▲
Gross operating margin9900€222k€143k▼
Operating profit (loss)9901€214k€116k▼
Financial income75/76B-€125
Recurring financial income75-€125
Financial charges65/66B€6k€7k▲
Recurring financial charges65€6k€7k▲
Profit (loss) for the period before taxes9903€208k€110k▼
Income taxes67/77€68k€37k▼
Profit (loss) for the period9904€140k€72k▼
Profit (loss) for the period to be appropriated9905€140k€72k▼
Appropriation of the result
Profit (loss) to be appropriated9906€171k€104k▼
Profit (loss) brought forward from the previous period14P€31k€31k=
Transfer to equity691/2€140k€72k▼
To other reserves6921€140k€72k▼
The notes to these accounts (8 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
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Equity above €500kEq €622k ▲29%
5 profitable years in a row build equity to €622k.
17-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
18-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2018net €201k ▲189%
Operating result €280k, net result €201k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 5.04
Current ratio from 2.37 to 5.04; short-term debt falls from €173k to €102k.
18-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €109k
Net result €109k after one loss-making year.
31-12
Financial
Equity above €200kEq €206k ▲113%
Equity rises from €97k to €206k.
01-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 62 days late
2019
31-12
Financial
Weakest financial yearnet €-66k ▼175%
Net result drops to €-66k, the lowest in the series; recovery starts the following year.
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
09-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Sint-Genesius-Rode · 2 establishment units since 2008
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.
Simonnelaan 151640 Sint-Genesius-RodeGround area
5,136 m²
Building footprint
2,473 m²
Volume, LiDAR
70,677 m³
2 parcels, Brussels, Flanders · tallest building 49.4 m, ±10 floors. Linked by address, not a title deed.
2 establishment units
PRINCIP.Al
since 20082.167.684.140
PRINCIP.AL
since 20162.257.905.721
2 parcels
Flanders
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21562A0411/00A002 | Brussels | 2,707 m² | 1 · 2,234 m² | 49.4 m · 10 fl. |
| 22552F0008/00H017 | Flanders | 2,429 m² | 1 · 239 m² | 10.9 m · 2 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 1,511 companies in sector 66199 we hold annual accounts for 917. 570 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-12-2007
Fiscal year end31-12
Activities, NACEBEL
66199Other activities auxiliary to financial services, excluding insurance and pension funding
18130Pre-press and pre-media services
18200Printing and reproduction of recorded media
62020IT consultancy
62200Computer consultancy and computer facilities management
63120Computing infrastructure, data processing, hosting and other information service activities
63910Web portal activities
70200Business and other management consultancy
70220Business consulting
78100Employment placement agencies
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.