Credit risk
Bankruptcy probability (12 mo)
1.7%
Moderate
0%0,5%1,5%4%10%≥25%
Young company
+Lower-failure-rate sector
−Multiple establishment units
+
Credit advice
verdict per amount and termTimeline
What happened to this company, by date
fiscal year 2026 expected by 31-07-2027
2026
08-04-2026 NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2025
26-06-2025 NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
17-12-2024 State Gazette act Registered-office change
No further detail in the source.
09-07-2024 NBB filing Annual accounts filed
fiscal year 2023 · micro schema
Financials
Equity€9k-68.4%
Total assets€463k+9.8%
Net result€-19k
Working capital€-71k-13.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Figures by fiscal year
fiscal year 2025 · micro schema€20k
-45.6%
23-25
€4k
-84.1%
23-25
1
-
23-25
€36k
+1826.2%
23-25
€2k
-
23-25
€454k
+15.1%
23-25
€121k
+27.9%
23-25
€333k
+11.1%
23-25
0.41
+21.8%
23-25
0.41
+21.8%
23-25
1.9%
-71.2%
23-25
52.86
+264.1%
23-25
-216.3%
-
23-25
-4.0%
-
23-25
1.39
-55.9%
23-25
Figures by fiscal year and ratios
| Fiscal year | 2025 |
|---|---|
| Deposit | micro schema |
| Revenue | - |
| EBITDA | €20k |
| Net profit | €-19k |
| Cash flow | €4k |
| Staff costs | €36k |
| Income taxes | €2k |
| Dividends | - |
| Total assets | €463k |
| Equity | €9k |
| Debt | €454k |
| of which ≤ 1y | €121k |
| of which > 1y | €333k |
| Working capital | €-71k |
| Employees (FTE) | 1.1 |
Ratios (computed)
| 2025 | |
|---|---|
| Current ratio | 0.41 |
| Quick ratio | 0.41 |
| Working capital ratio | -15.4% |
| Solvency | 1.9% |
| Debt / equity | 52.86 |
| Long-term debt ratio | 38.74 |
| Interest coverage | 1.39 |
| Gross margin | - |
| Net margin | - |
| ROA | -4.0% |
| ROE | -216.3% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
This table shows the latest fiscal year. 2 prior years, with figures and ratios, belong to a paid plan.
See plans →
Balance-sheet composition 2025
Full annual accounts (24 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €463k |
| Fixed assets | 21/28 | €413k |
| Intangible fixed assets | 21 | €943 |
| Tangible fixed assets | 22/27 | €405k |
| Financial fixed assets | 28 | €7k |
| Current assets | 29/58 | €50k |
| Amounts receivable within one year | 40/41 | €47k |
| Cash & bank | 54/58 | €740 |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €463k |
| Equity | 10/15 | €9k |
| Contributions / capital | 10/11 | €6k |
| Accumulated profits (losses) | 14 | €3k |
| Amounts payable | 17/49 | €454k |
| Amounts payable after one year | 17 | €333k |
| Amounts payable within one year | 42/48 | €121k |
| Trade debts payable within one year | 44 | €16k |
| Income statement | ||
| Gross operating margin | 9900 | €62k |
| Operating result | 9901 | €-3k |
| Financial income | 75 | €47 |
| Financial charges | 65 | €14k |
| Result before taxes | 9903 | €-17k |
| Income taxes | 67/77 | €2k |
| Net result for the period | 9904 | €-19k |
| Result to be appropriated | 9905 | €-19k |
Signals
1 signal
Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 08-04-2026, 114 days ahead of the deadline.
No strikeouts found in the KBO publications · how complete this is
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Filing history by fiscal year and how the deadline is computed
Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 08-04-2026, 114 days ahead of the deadline.
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.
How we compute the deadline
The year end is derived from 3 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2025, that is 31-07-2026.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | 08-04-2026 | 114 d early | 2026-00074066 |
| 31-12-2024 | 31-07-2025 | 26-06-2025 | 35 d early | 2025-00180214 |
| 31-12-2023 | 31-07-2024 | 09-07-2024 | 22 d early | 2024-00223874 |
Source: the National Bank's deposit records, as we have ingested them. NOTE: our copy has a gap across June to August 2026, missing roughly 220,000 deposits; for July we hold 15,605 of about 137,000 expected. A year whose deadline falls in that window shows as not confirmed, not as not filed. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Locations & real estate
Registered office
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.
Place du Roi Albert 84130 EsneuxEstablishment units
3 locationsPlace du Roi Albert 8, 4130 Esneux
since 20232.342.282.160
La Douce rive
since 20232.365.040.241
L'Echo de l'Ourthe
since 20232.365.065.579
Parcels3
Ground area1,290 m²
Buildings3
Building footprint311 m²
Volume (LiDAR)1,056 m³
Tallest building6.0 m · ±2 fl.
Real-estate footprint
Wallonia
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62101B0167/00C002 | Wallonia | 614 m² | 1 · 156 m² | 4.6 m · 1 fl. |
| 62101D0456/00X017 | Wallonia | 560 m² | 1 · 91 m² | 6.0 m · 2 fl. |
| 62101D0211/00P000 | Wallonia | 117 m² | 1 · 64 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar
Similar companies
Comparable size, same sectorBE 0770.824.554 · Brecht
BE 0797.436.802 · Wichelen
BE 0804.991.419 · Leuven
BE 1004.246.047 · Welkenraedt
BE 0787.828.357 · Wemmel
How this selection is made
We hold annual accounts for 1,152 of the 9,108 companies in this sector. 626 of them are within a factor 10 of this company's equity.
Company registry
Company registry (CBE)
Crossroads BankActivities
Gites, vakantiewoningen en -appartementen55203Verhuur en exploitatie van eigen of geleased residentieel onroerend goed, exclusief sociale woningen68201Ontwikkeling van residentiële bouwprojecten68121Handel in eigen onroerend goed68110Verhuur en exploitatie van eigen of geleased niet-residentieel onroerend goed, exclusief terreinen68203Verhuur en lease van sport- en recreatieartikelen77210