R.D.B.
ActiveR.D.B. has been active since 1987 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €11.37M and a net result of €425k. Equity remains stable across the filed fiscal years (±1.1% per year). Its solvency ranks better than 60% of 8578 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
76
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability19▲+8
Solvency99=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €850k at 30 days acceptable
Liquidity ample (current ratio 8.63 against 7.22 in 2024), and 37.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
62.7%
Return on assets
2.3%
Age of the figures
8 mo
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 14-07-2026, 17 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
17 d early
2024
31 d early
2023
34 d early
2022
33 d early
2021
19 d early
2020
19 d early
2019
16 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€11.37M▲ 3.4%
2024 · €10.99M
2018: €10.73M
2019: €10.72M
2020: €10.26M
2021: €10.49M
2022: €10.74M
2023: €10.76M
2024: €10.99M
2018 → 2025
Total assets
€18.14M▲ 0.3%
2024 · €18.09M
2018: €18.81M
2019: €18.58M
2020: €17.67M
2021: €17.89M
2022: €18.24M
2023: €18.12M
2024: €18.09M
2018 → 2025
Net result
€425k▲ 83.9%
2024 · €231k
2018: €91k
2019: €-1k
2020: €-464k
2021: €226k
2022: €252k
2023: €25k
2024: €231k
2018 → 2025
Working capital
€12.25M▲ 4.5%
2024 · €11.72M
2018: €9.97M
2019: €9.98M
2020: €9.68M
2021: €10.79M
2022: €11.25M
2023: €11.30M
2024: €11.72M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€10.49M-€10.74M▲ 2.4%€10.76M▲ 0.2%€10.99M▲ 2.1%€11.37M▲ 3.4%
Operating result€134k-€303k▲ 126%€-34k€88k€129k▲ 46.6%
Net result€226k-€252k▲ 11.5%€25k▼ 90.2%€231k▲ 837%€425k▲ 83.9%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 47% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €18.14M
Fixed assets
€4.29M▼ 4.3%
Current assets
€13.86M▲ 1.8%
Equity and liabilities €18.14M
Equity
€11.37M▲ 3.4%
Provisions
€337k▼ 10.6%
Debt
€6.44M▼ 4.2%
The debt ratio falls from 37.1% to 35.5%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€232k▲
2024 · €187k
Cash flow
€528k▲
2024 · €330k
Solvency
62.7%▲
2024 · 60.8%
Current ratio
8.63▲
2024 · 7.22
Quick ratio
8.29▲
2024 · 6.87
Debt / equity
0.57▼
2024 · 0.61
ROE
3.7%▲
2024 · 2.1%
ROA
2.3%▲
2024 · 1.3%
Interest coverage
1.33▲
2024 · 0.87
Debt
€6.44M▼
2024 · €6.72M
Debt ≤ 1 year
€1.61M▼
2024 · €1.89M
Debt > 1 year
€4.81M▼
2024 · €4.82M
Income taxes
€106k▼
2024 · €128k
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€18.09M€18.14M▲
Fixed assets21/28€4.48M€4.29M▼
Tangible fixed assets22/27€2.28M€2.09M▼
Land and buildings22€2.22M€2.04M▼
Plant, machinery and equipment23€10k€10k=
Furniture and vehicles24€56k€43k▼
Financial fixed assets28€2.20M€2.20M=
Current assets29/58€13.61M€13.86M▲
Amounts receivable after more than one year29€884k€384k▼
Other amounts receivable291€884k€384k▼
Stocks and contracts in progress3€660k€546k▼
Stocks30/36€660k€546k▼
Amounts receivable within one year40/41€1.47M€1.23M▼
Trade receivables40€1k€1k=
Other amounts receivable41€1.46M€1.23M▼
Current investments50/53€9.54M€10.58M▲
Cash at bank and in hand54/58€1.06M€1.12M▲
Deferred charges and accrued income490/1€0-
Equity and liabilities
Total equity and liabilities10/49€18.09M€18.14M▲
Equity10/15€10.99M€11.37M▲
Contributions10/11€7.84M€7.84M=
Capital10€7.84M€7.84M=
Issued capital100€7.84M€7.84M=
Reserves13€3.15M€3.53M▲
Non-distributable reserves130/1€784k€784k=
Legal reserve130€784k€784k=
Tax-exempt reserves132€442k€345k▼
Distributable reserves133€1.93M€2.40M▲
Profit (loss) carried forward14-€0
Provisions and deferred taxes16€377k€337k▼
Provisions for liabilities and charges160/5€188k€188k=
Environmental obligations163€150k€150k=
Other liabilities and charges164/5€38k€38k=
Deferred taxes168€189k€149k▼
Amounts payable17/49€6.72M€6.44M▼
Amounts payable after more than one year17€4.82M€4.81M▼
Financial debts170/4€4.82M€4.81M▼
Amounts payable within one year42/48€1.89M€1.61M▼
Current portion of amounts payable after more than one year42€18k€12k▼
Financial debts43€1.34M€1.18M▼
Credit institutions430/8€1.34M€1.18M▼
Trade debts44€9k€10k▲
Suppliers440/4€9k€10k▲
Taxes, remuneration and social security45€115k€58▼
Taxes450/3€115k€58▼
Other amounts payable47/48€399k€405k▲
Accrued charges and deferred income492/3€11k€23k▲
Income statement
Code20242025
Non-recurring operating income76A€185k€221k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€99k€103k▲
Other operating charges640/8€48k€47k▼
Gross operating margin9900€235k€279k▲
Operating profit (loss)9901€88k€129k▲
Financial income75/76B€477k€537k▲
Recurring financial income75€477k€537k▲
Financial charges65/66B€214k€175k▼
Recurring financial charges65€214k€175k▼
Profit (loss) for the period before taxes9903€351k€491k▲
Transfer from deferred taxes780€8k€40k▲
Income taxes67/77€128k€106k▼
Profit (loss) for the period9904€231k€425k▲
Transfer from tax-exempt reserves789€15k€97k▲
Profit (loss) for the period to be appropriated9905€246k€522k▲
Appropriation of the result
Profit (loss) to be appropriated9906€246k€522k▲
Transfer to equity691/2€246k€472k▲
To other reserves6921€246k€472k▲
Profit to be distributed694/7-€50k
Directors or managers695-€50k
The notes to these accounts (13 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
14-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €425k ▲83.9%
Net result €425k, the highest in the series.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
28-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
12-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Back to profitnet €226k
Net result €226k after 2 loss-making years.
12-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Weakest financial yearnet €-464k
Net result drops to €-464k, the lowest in the series; recovery starts the following year.
15-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
25-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
09-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
10-07
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
no sitting director, no change since 2023
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.
07-11-2023
Kurt Hageveer: Resigned as Sole director
07-11-2023
Wim De Marez: Resigned as Sole director
Location & real-estate footprint
Registered office, Roeselare · 1 establishment unit since 1988
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.
Sint-Michielsstraat 38800 RoeselareGround area
1,491 m²
Building footprint
1,491 m²
Volume, LiDAR
19,226 m³
Parcel 36503C1580/00H000, Flanders · tallest building 22.8 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
R.D.B. NV
since 19882.037.713.345
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36503C1580/00H000 | Flanders | 1,491 m² | 1 · 1,491 m² | 22.8 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.
Recognitions · licences · registrations
Legal Entity Identifier
549300QTL67E9T5GJH85
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Of 82,218 companies in sector 70200 we hold annual accounts for 52,395. 6,170 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded30-12-1987
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
41001General construction of residential buildings
64200Holdings
64210Activities of holding companies
68201Renting and operating of own or leased residential real estate, excluding social housing
68321Property management for co-owned buildings (syndics)
70201
Sources
Crossroads Bank for EnterprisesNational Bank · 38 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
General meetings
1 convocationExtraordinary general meeting
Agenda
Aanpassing statuten aan de huidige vennootschappenwet. Aanpassing statuten aan de wet van 2.8.2002 op het deugdelijk bestuur. Uitdrukking kapitaal in euro. Tevens zal de jaarlijkse algemene vergadering gehouden worden ten maatschappelijke zetel op 05.02.2004, te 11.00 uur met volgende agen- dapunten : Verslag van de raad van bestuur. Goedkeuring van de jaarrekening per 31.12.2003. Bestemming van het resultaat. Kwijting aan de bestuurders. Varia. (70341) Koceram, naamloze vennootschap, Ter Bede Business Center, Kapel ter Bede 86, 8500 Kortrijk Zetel rechtbank Kortrijk — RPR 0405.371.512 De aandeelhouders worden uitgenodigd op de Bijzondere algemene vergadering die wordt gehouden op de maatsch ...