PROTECTIONS 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 €464k and a net result of €847k. Equity is growing by ~10.4% per year across the filed fiscal years. Its solvency ranks better than 27% of 1475 sector peers (fiscal year 2025). The company has been active since 2006 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 28-05-2026, 64 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
64 d early
2024
28 d early
2023
79 d early
2022
42 d early
2021
67 d early
2020
52 d early
2019
45 d early
← 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€464k▼ 24.8%
2024 · €617k
2018: €291k
2019: €382k
2020: €452k
2021: €464k
2022: €599k
2023: €602k
2024: €617k
2018 → 2025
Net result
€847k▼ 24.1%
2024 · €1.12M
2018: €376k
2019: €272k
2020: €70k
2021: €12k
2022: €474k
2023: €533k
2024: €1.12M
2018 → 2025
Total assets
€2.51M▼ 1.7%
2024 · €2.56M
2018: €1.15M
2019: €1.58M
2020: €617k
2021: €847k
2022: €1.63M
2023: €2.26M
2024: €2.56M
2018 → 2025
Solvency
18.5%▼ 5.7pp
2024 · 24.1%
2018: 25.4%
2019: 24.1%
2020: 73.4%
2021: 54.8%
2022: 36.7%
2023: 26.6%
2024: 24.1%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€464k-€599k▲ 29.1%€602k▲ 0.4%€617k▲ 2.5%€464k▼ 24.8%
Operating result€28k-€608k▲ 2,040%€735k▲ 20.8%€1.51M▲ 105%€1.14M▼ 24.5%
Net result€12k-€474k▲ 3,976%€533k▲ 12.4%€1.12M▲ 109%€847k▼ 24.1%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 24% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.51M
Fixed assets
€3k▲ 8.0%
Current assets
€2.51M▼ 1.7%
Equity and liabilities €2.51M
Equity
€464k▼ 24.8%
Debt
€2.05M▲ 5.7%
The debt ratio rises from 75.9% to 81.5%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
18.5%▼
2024 · 24.1%
ROE
182.5%▲
2024 · 180.7%
ROA
33.7%▼
2024 · 43.6%
Debt
€2.05M▲
2024 · €1.94M
Debt ≤ 1 year
€2.05M▲
2024 · €1.94M
Income taxes
€290k▼
2024 · €390k
Staff costs
€325k▲
2024 · €292k
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€2.56M€2.51M▼
Fixed assets21/28€3k€3k▲
Tangible fixed assets22/27€3k€3k▲
Furniture and vehicles24€3k€3k▲
Current assets29/58€2.55M€2.51M▼
Amounts receivable within one year40/41€1.06M€1.29M▲
Trade receivables40€1.06M€1.28M▲
Other amounts receivable41-€10k
Cash at bank and in hand54/58€1.49M€1.22M▼
Equity and liabilities
Total equity and liabilities10/49€2.56M€2.51M▼
Equity10/15€617k€464k▼
Contributions10/11€28k€28k=
Capital10€28k€28k=
Issued capital100€28k€28k=
Reserves13€3k€3k=
Non-distributable reserves130/1€3k€3k=
Legal reserve130€3k€3k=
Profit (loss) carried forward14€586k€433k▼
Amounts payable17/49€1.94M€2.05M▲
Amounts payable within one year42/48€1.94M€2.05M▲
Trade debts44€764k€1.01M▲
Suppliers440/4€764k€1.01M▲
Taxes, remuneration and social security45€75k€37k▼
Taxes450/3€40k-
Remuneration and social security454/9€35k€37k▲
Other amounts payable47/48€1.10M€1.00M▼
Income statement
Code20242025
Remuneration, social security and pensions62€292k€325k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€1k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€9k€0▼
Gross operating margin9900€1.81M€1.46M▼
Operating profit (loss)9901€1.51M€1.14M▼
Financial charges65/66B€477€466▼
Recurring financial charges65€477€466▼
Profit (loss) for the period before taxes9903€1.51M€1.14M▼
Income taxes67/77€390k€290k▼
Profit (loss) for the period9904€1.12M€847k▼
Profit (loss) for the period to be appropriated9905€1.12M€847k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1.69M€1.43M▼
Profit (loss) brought forward from the previous period14P€571k€586k▲
Profit to be distributed694/7€1.10M€1.00M▼
Return on contributions (dividend)694€1.10M€1.00M▼
Social balance
Average headcount (FTE)90873.83.8=
The notes to these accounts (4 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
28-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
03-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €1.12M ▲109%
Operating result €1.51M, net result €1.12M, both a record.
13-05
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
10-07
State Gazette act
General meeting · Capital increase
Share issue · Capital
10-07
State Gazette act
General meeting · Capital increase
Share issue · Capital · Damien HISETTE
19-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Equity above €500kEq €599k ▲29.1%
5 profitable years in a row build equity to €599k.
25-05
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Weakest financial yearnet €12k ▼83.5%
Net result drops to €12k, the lowest in the series; recovery starts the following year.
09-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Liquidity triplescurrent ratio 3.67
Current ratio from 1.31 to 3.67; short-term debt falls from €1.20M to €164k.
16-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
12-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
19-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
04-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Dilbeek · 1 establishment unit since 2006
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.
Sleutelplasstraat 61700 DilbeekGround area
2,105 m²
Building footprint
131 m²
Volume, LiDAR
1,073 m³
Parcel 23016D0234/00F010, Flanders · tallest building 11.8 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Protections Travel Insurance
since 20062.233.235.552
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23016D0234/00F010 | Flanders | 2,105 m² | 1 · 130 m² | 11.8 m · 3 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 4,683 companies in sector 66220 we hold annual accounts for 3,228. 2,624 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-05-2006
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
67201
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.