RELI CONSULT is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €133k and a net result of €95k. Equity is growing by ~25.2% per year across the filed fiscal years. Its solvency ranks better than 17% of 6156 sector peers (fiscal year 2024). The company has been active since 2016 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 · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 6156 sector peers (2024).
NBB · sector comparisonPosition among 6156 sector peers
Solvency
better than 17%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 23-06-2025, 38 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
not confirmed
2024
38 d early
2023
42 d early
2022
40 d early
2021
39 d early
2020
44 d early
2019
23 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€133k▼ 36.0%
2023 · €208k
2018: €40k
2019: €63k
2020: €116k
2021: €178k
2022: €215k
2023: €208k
2018 → 2024
Net result
€95k▲ 2.2%
2023 · €93k
2018: €14k
2019: €24k
2020: €54k
2021: €50k
2022: €57k
2023: €93k
2018 → 2024
Total assets
€858k▼ 2.4%
2023 · €878k
2018: €327k
2019: €339k
2020: €353k
2021: €835k
2022: €792k
2023: €878k
2018 → 2024
Solvency
15.5%▼ 8.1pp
2023 · 23.7%
2018: 12.2%
2019: 18.4%
2020: 32.8%
2021: 21.3%
2022: 27.1%
2023: 23.7%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€116k-€178k▲ 53.5%€215k▲ 20.7%€208k▼ 3.2%€133k▼ 36.0%
Operating result€24k-€6k▼ 76.2%€24k▲ 311%€53k▲ 121%€34k▼ 36.2%
Net result€54k-€50k▼ 8.3%€57k▲ 14.7%€93k▲ 64.1%€95k▲ 2.2%
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 2024; 2024 is 36% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €858k
Fixed assets
€785k▼ 4.5%
Current assets
€72k▲ 28.9%
Equity and liabilities €858k
Equity
€133k▼ 36.0%
Debt
€725k▲ 8.0%
The debt ratio rises from 76.3% to 84.5%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
15.5%▼
2023 · 23.7%
ROE
71.6%▲
2023 · 44.9%
ROA
11.1%▲
2023 · 10.6%
Debt
€725k▲
2023 · €671k
Debt ≤ 1 year
€273k▲
2023 · €180k
Debt > 1 year
€448k▼
2023 · €487k
Income taxes
€9k▼
2023 · €11k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€878k€858k▼
Fixed assets21/28€822k€785k▼
Tangible fixed assets22/27€572k€535k▼
Land and buildings22€464k€452k▼
Plant, machinery and equipment23€38k€29k▼
Furniture and vehicles24€70k€54k▼
Financial fixed assets28€250k€250k=
Current assets29/58€56k€72k▲
Amounts receivable within one year40/41€459€1k▲
Trade receivables40€459€0▼
Other amounts receivable41-€1k
Cash at bank and in hand54/58€53k€68k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€878k€858k▼
Equity10/15€208k€133k▼
Contributions10/11€19k€19k=
Reserves13€2k€114k▲
Tax-exempt reserves132€318€318=
Distributable reserves133€2k€114k▲
Profit (loss) carried forward14€187k€0▼
Amounts payable17/49€671k€725k▲
Amounts payable after more than one year17€487k€448k▼
Financial debts170/4€487k€448k▼
Amounts payable within one year42/48€180k€273k▲
Current portion of amounts payable after more than one year42€51k€39k▼
Trade debts44€867€608▼
Suppliers440/4€867€608▼
Taxes, remuneration and social security45€3k€27k▲
Taxes450/3€3k€27k▲
Other amounts payable47/48€126k€207k▲
Accrued charges and deferred income492/3€3k€3k=
Income statement
Code20232024
Non-recurring operating income76A€18k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€27k€39k▲
Other operating charges640/8€2k€2k▼
Gross operating margin9900€82k€74k▼
Operating profit (loss)9901€53k€34k▼
Financial income75/76B€65k€80k▲
Recurring financial income75€65k€80k▲
Financial charges65/66B€14k€10k▼
Recurring financial charges65€14k€10k▼
Profit (loss) for the period before taxes9903€104k€104k▼
Income taxes67/77€11k€9k▼
Profit (loss) for the period9904€93k€95k▲
Profit (loss) for the period to be appropriated9905€93k€95k▲
Appropriation of the result
Profit (loss) to be appropriated9906€287k€282k▼
Profit (loss) brought forward from the previous period14P€194k€187k▼
Transfer to equity691/2-€112k
To other reserves6921-€112k
Profit to be distributed694/7€100k€170k▲
Return on contributions (dividend)694€100k€170k▲
Social balance
Average headcount (FTE)9087-0.0
The notes to these accounts (19 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €95k ▲2.2%
Net result €95k, the highest in the series.
19-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
21-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Equity above €200kEq €215k ▲20.7%
5 profitable years in a row build equity to €215k.
22-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Equity above €150kEq €178k ▲53.5%
4 profitable years in a row build equity to €178k.
17-06
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Equity above €100kEq €116k ▲85.1%
3 profitable years in a row build equity to €116k.
08-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
16-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
20-06
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
4 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, Aarschot · 1 establishment unit since 2016
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.
Molenstraat 683202 AarschotGround area
2,936 m²
Building footprint
145 m²
Volume, LiDAR
1,057 m³
Parcel 24092D0131/00K000, Flanders · tallest building 10.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
RELI CONSULT
since 20162.256.489.818
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24092D0131/00K000 | Flanders | 2,936 m² | 1 · 145 m² | 10.2 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 19,760. 12,997 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-09-2016
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.