PROLICO is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2026 annual accounts show equity of €288k and a net result of €-13k. Equity is growing by ~20.2% per year across the filed fiscal years. Its solvency ranks better than 25% of 216 sector peers (fiscal year 2026). The company has been active since 2001 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 31-03-2026 was due by 31-10-2026 and was filed on 08-07-2026, 115 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
115 d early
2025
32 d early
2024
36 d early
2023
1 d early
2022
38 d early
2021
23 d early
2020
26 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2027 and is due by 31-10-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
18-09-2026 today31-03-2027 close31-10-2027 deadline
Financials · fiscal year 2026, full schema
Equity
€288k▼ 7.4%
2025 · €311k
2019: €63k
2020: €119k
2021: €130k
2022: €133k
2023: €155k
2024: €152k
2025: €311k
2019 → 2026
Net result
€-13k
2025 · €159k
2019: €1k
2020: €56k
2021: €10k
2022: €3k
2023: €22k
2024: €-4k
2025: €159k
2019 → 2026
Total assets
€1.04M▼ 16.9%
2025 · €1.25M
2019: €1.38M
2020: €1.49M
2021: €1.53M
2022: €1.52M
2023: €1.53M
2024: €1.54M
2025: €1.25M
2019 → 2026
Solvency
27.7%▲ 2.8pp
2025 · 24.8%
2019: 4.5%
2020: 8.0%
2021: 8.5%
2022: 8.8%
2023: 10.2%
2024: 9.9%
2025: 24.8%
2019 → 2026
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20222023202420252026Trend
Equity€133k-€155k▲ 16.8%€152k▼ 2.4%€311k▲ 105%€288k▼ 7.4%
Operating result€53k-€85k▲ 59.8%€59k▼ 29.9%€36k▼ 40.0%€33k▼ 7.6%
Net result€3k-€22k▲ 590%€-4k€159k€-13k
Result per fiscal year
Operating resultNet result
The operating result has fallen three years in a row; 2026 is 8% below 2025 and is the lowest result in the available series.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €1.04M
Fixed assets
€935k=
Current assets
€104k▼ 66.9%
Equity and liabilities €1.04M
Equity
€288k▼ 7.4%
Debt
€752k▼ 20.0%
The debt ratio falls from 75.2% to 72.3%. Equity and debt are lower.
Key figures and ratios
Solvency
27.7%▲
2025 · 24.8%
ROE
-4.6%▼
2025 · 51.2%
ROA
-1.3%▼
2025 · 12.7%
Debt
€752k▼
2025 · €940k
Debt ≤ 1 year
€752k▼
2025 · €940k
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 · 2026 against 2025
Balance sheet
Code20252026
Assets
Total assets20/58€1.25M€1.04M▼
Fixed assets21/28€935k€935k=
Financial fixed assets28€935k€935k=
Current assets29/58€316k€104k▼
Amounts receivable after more than one year29€100k€100k=
Other amounts receivable291€100k€100k=
Cash at bank and in hand54/58€216k€4k▼
Equity and liabilities
Total equity and liabilities10/49€1.25M€1.04M▼
Equity10/15€311k€288k▼
Contributions10/11€19k€19k=
Capital10€19k€19k=
Issued capital100€19k€19k=
Reserves13€292k€269k▼
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Tax-exempt reserves132€100k€100k=
Distributable reserves133€190k€167k▼
Amounts payable17/49€940k€752k▼
Amounts payable within one year42/48€940k€752k▼
Current portion of amounts payable after more than one year42€43k-
Taxes, remuneration and social security45€13k€14k▲
Taxes450/3€13k€14k▲
Other amounts payable47/48€884k€738k▼
Income statement
Code20252026
Goods, raw materials, services and sundry goods60/61€43k-
Other operating charges640/8€1k€1k▲
Gross operating margin9900€37k€34k▼
Operating profit (loss)9901€36k€33k▼
Financial income75/76B€164k-
Recurring financial income75€164k-
Non-recurring financial income76B€164k-
Financial charges65/66B€45k€46k▲
Recurring financial charges65€45k€46k▲
Profit (loss) for the period before taxes9903€154k€-13k▼
Income taxes67/77€-5k-
Profit (loss) for the period9904€159k€-13k▼
Transfer to tax-exempt reserves689€100k-
Profit (loss) for the period to be appropriated9905€59k€-13k▼
Appropriation of the result
Profit (loss) to be appropriated9906€59k€-13k▼
Transfer from equity791/2-€13k
Transfer to equity691/2€59k-
To other reserves6921€59k-
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
Next filing, fiscal year 2027, expected by
2026
08-07
NBB filing
Annual accounts filed
fiscal year 2026 · full schema
31-03
Financial
Weakest financial yearnet €-13k ▼108%
Net result drops to €-13k, the lowest in the series.
2025
29-09
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
31-03
Financial
Back to profitnet €159k
Net result €159k after one loss-making year.
31-03
Financial
Equity above €200kEq €311k ▲105%
Equity rises from €152k to €311k.
2024
25-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2023
30-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
31-03
Financial
Equity above €150kEq €155k ▲16.8%
5 profitable years in a row build equity to €155k.
2022
23-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2021
08-10
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2020
05-10
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
31-03
Financial
Equity above €100kEq €119k ▲90%
2 profitable years in a row build equity to €119k.
2019
28-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
10-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
27-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated 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 2020
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.
07-01-2020
Ignace Coppens: Resigned as Director
07-01-2020
Leo Coppens: Resigned as Director
Location & real-estate footprint
Registered office, Lebbeke · 1 establishment unit since 2001
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.
D'Helst 139280 LebbekeGround area
2,051 m²
Building footprint
569 m²
Volume, LiDAR
7,597 m³
Parcel 42322D0285/00R002, Flanders · tallest building 14.0 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
D'Helst 13, 9280 Lebbeke
since 20012.116.316.108
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42322D0285/00R002 | Flanders | 2,051 m² | 1 · 569 m² | 13.9 m · 5 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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M.A.D. INVEST
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MICANT
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Of 24,727 companies in sector 64210 we hold annual accounts for 19,754. 13,743 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-02-2001
Fiscal year end31-03
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
74151
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.