ROBUST
ActiveROBUST 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 €380k and a net result of €97k. Equity is shrinking by ~4% per year across the filed fiscal years. Its solvency ranks better than 86% of 7837 sector peers (fiscal year 2025). The company has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals.
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 08-07-2026, 23 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
23 d early
2024
15 d early
2023
44 d early
2022
21 d early
2021
3 d late
2020
39 d early
2019
11 d late
← 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
05-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€380k▼ 28.7%
2024 · €533k
2021: €480k
2022: €558k
2023: €483k
2024: €533k
2021 → 2025
Net result
€97k▲ 96.0%
2024 · €50k
2021: €-9k
2022: €78k
2023: €51k
2024: €50k
2021 → 2025
Total assets
€432k▼ 24.3%
2024 · €571k
2021: €503k
2022: €643k
2023: €630k
2024: €571k
2021 → 2025
Solvency
87.9%▼ 5.5pp
2024 · 93.3%
2021: 95.4%
2022: 86.7%
2023: 76.7%
2024: 93.3%
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€480k-€558k▲ 16.2%€483k▼ 13.3%€533k▲ 10.2%€380k▼ 28.7%
Operating result€-10k-€86k€58k▼ 32.8%€66k▲ 14.5%€118k▲ 77.8%
Net result€-9k-€78k€51k▼ 34.9%€50k▼ 2.3%€97k▲ 96.0%
Turnover and EBIT margin not published: the 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 78% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €432k
Fixed assets
€30k▼ 31.0%
Current assets
€402k▼ 23.7%
Equity and liabilities €432k
Equity
€380k▼ 28.7%
Debt
€52k▲ 37.8%
The debt ratio rises from 6.7% to 12.1%: debt grows while equity shrinks.
Key figures and ratios
Solvency
87.9%▼
2024 · 93.3%
ROE
25.6%▲
2024 · 9.3%
ROA
22.5%▲
2024 · 8.7%
Debt
€52k▲
2024 · €38k
Debt ≤ 1 year
€51k▲
2024 · €30k
Income taxes
€25k▲
2024 · €13k
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
Total assets
20/58€571k€432k▼
Fixed assets
21/28€44k€30k▼
Intangible fixed assets
21€1k€366▼
Tangible fixed assets
22/27€43k€30k▼
Current assets
29/58€527k€402k▼
Amounts receivable within one year
40/41€332k€138k▼
Investments
50/53€100k€107k▲
Cash & bank
54/58€89k€157k▲
Total equity & liabilities
10/49€571k€432k▼
Equity
10/15€533k€380k▼
Contributions / capital
10/11€19k€19k=
Reserves
13€514k€361k▼
Accumulated profits (losses)
14€0€0=
Amounts payable
17/49€38k€52k▲
Amounts payable within one year
42/48€30k€51k▲
Trade debts payable within one year
44€3k€801▼
Income statement
Code20242025
Gross operating margin
9900€80k€132k▲
Operating result
9901€66k€118k▲
Financial income
75€6k€6k▼
Financial charges
65€10k€1k▼
Result before taxes
9903€63k€122k▲
Income taxes
67/77€13k€25k▲
Net result for the period
9904€50k€97k▲
Result to be appropriated
9905€50k€97k▲
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2021net €97k ▲96%
Operating result €118k, net result €97k, both a record.
16-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity times 5current ratio 17.72
Current ratio from 3.90 to 17.72; short-term debt falls from €146k to €30k.
31-12
Financial
Equity above €500kEq €533k ▲10.2%
3 profitable years in a row build equity to €533k.
17-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
10-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
03-02
State Gazette act
Director changes
Benedikt DEBERDT
2022
31-12
Financial
Back to profitnet €78k
Net result €78k after one loss-making year.
31-12
Financial
Equity above €500kEq €558k ▲16.2%
Equity rises from €480k to €558k.
03-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 3 days late
2021
22-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
11-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 11 days late
2019
11-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
07-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
13-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Comparable companies · same sector, comparable size
Similar companies · same sector, comparable size
Foederer Groep België
BE 0444.493.986
Hasselt · Eq €380k
JONAMON
BE 0881.530.555
Izegem · Eq €380k
Van Keirsbilck Kristiaan
BE 0832.110.837
Oostende · Eq €380k
p&a invest
BE 0887.341.845
Londerzeel · Eq €380k
MONSTREY
BE 0805.505.420
Torhout · Eq €380k
Of 24,645 companies in sector 64210 we hold annual accounts for 19,462. 13,634 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-10-2013
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Data from official sources, last processed on 15-07-2026. Scores and ratios are computed by Checked and are not a credit decision.