Project NVB 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 €22k and a net result of €19k. Its solvency ranks better than 42% of 8018 sector peers (fiscal year 2025). The company has been active since 2025 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.
+raises risk○neutral
raises risk · Young company
Founded in 2025, under 3 years, statistically higher risk.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 14-08-2026, 14 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 1 filingDeviation from the deadline
2025
14 d late
← before the deadline
after the deadline →
Financials · fiscal year 2025, micro schema
Equity
€22k
Net result
€19k
Total assets
€53k
Solvency
41.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Equity and liabilities €53k
Equity
€22k
Debt
€31k
Debt finances 58.7% of the balance-sheet total.
Key figures and ratios
Solvency
41.3%
ROE
86.3%
ROA
35.6%
Debt
€31k
Debt ≤ 1 year
€29k
Income taxes
€9k
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€53k
Current assets29/58€53k
Amounts receivable within one year40/41€15k
Trade receivables40€3k
Other amounts receivable41€12k
Cash at bank and in hand54/58€39k
Equity and liabilities
Total equity and liabilities10/49€53k
Equity10/15€22k
Contributions10/11€3k
Reserves13€19k
Distributable reserves133€19k
Amounts payable17/49€31k
Amounts payable within one year42/48€29k
Trade debts44€5k
Suppliers440/4€5k
Taxes, remuneration and social security45€15k
Taxes450/3€13k
Remuneration and social security454/9€2k
Other amounts payable47/48€9k
Accrued charges and deferred income492/3€2k
Income statement
Code2025
Gross operating margin9900€28k
Operating profit (loss)9901€28k
Profit (loss) for the period before taxes9903€28k
Income taxes67/77€9k
Profit (loss) for the period9904€19k
Profit (loss) for the period to be appropriated9905€19k
Appropriation of the result
Profit (loss) to be appropriated9906€19k
Transfer to equity691/2€19k
To other reserves6921€19k
The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
14-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 14 days late
NBB filing
Directors · office · real estate
Directors
1 act for this company is 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, Aarschot · 1 establishment unit since 2025
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.
Schaluin 953200 AarschotGround area
641 m²
Building footprint
487 m²
Volume, LiDAR
2,904 m³
Parcel 24001B0170/00G000, Flanders · tallest building 11.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Project NVB
since 20252.369.649.721
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24001B0170/00G000 | Flanders | 641 m² | 1 · 487 m² | 11.3 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. 7,734 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-01-2025
Fiscal year end31-12
Activities, NACEBEL
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:barcentral.aarschot@gmail.com
Phone:0475/804801