RY 20 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 €1.70M and a net result of €-2k. Equity is growing by ~24.5% per year across the filed fiscal years. Its solvency ranks better than 92% of 7994 sector peers (fiscal year 2025). The company has been active since 2014 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 30-06-2025 was due by 31-01-2026 and was filed on 16-12-2025, 46 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
46 d early
2024
52 d early
2023
7 d late
2022
27 d early
2021
52 d early
2020
60 d early
2019
56 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close18-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.70M▼ 0.1%
2024 · €1.70M
2019: €483k
2020: €603k
2021: €707k
2022: €1.57M
2023: €1.54M
2024: €1.70M
2019 → 2025
Net result
€-2k
2024 · €160k
2019: €70k
2020: €120k
2021: €104k
2022: €862k
2023: €-30k
2024: €160k
2019 → 2025
Total assets
€1.81M▼ 1.4%
2024 · €1.83M
2019: €654k
2020: €825k
2021: €876k
2022: €1.79M
2023: €1.72M
2024: €1.83M
2019 → 2025
Solvency
94.0%▲ 1.2pp
2024 · 92.7%
2019: 73.8%
2020: 73.1%
2021: 80.7%
2022: 87.6%
2023: 89.5%
2024: 92.7%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€707k-€1.57M▲ 122%€1.54M▼ 1.9%€1.70M▲ 10.4%€1.70M▼ 0.1%
Operating result€143k-€-73k€-29k▲ 60.6%€-80k▼ 179%€-13k▲ 83.4%
Net result€104k-€862k▲ 730%€-30k€160k€-2k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €13k in 2025 against €80k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.81M
Fixed assets
€291k▼ 5.2%
Current assets
€1.52M▼ 0.7%
Equity and liabilities €1.81M
Equity
€1.70M▼ 0.1%
Provisions
€40k=
Debt
€69k▼ 26.2%
The debt ratio falls from 5.1% to 3.8%. Equity and debt are lower.
Key figures and ratios
Solvency
94.0%▲
2024 · 92.7%
ROE
-0.1%▼
2024 · 9.4%
ROA
-0.1%▼
2024 · 8.7%
Debt
€69k▼
2024 · €93k
Debt ≤ 1 year
€21k▼
2024 · €34k
Debt > 1 year
€47k▼
2024 · €59k
Income taxes
€-1k▲
2024 · €-63k
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€1.83M€1.81M▼
Fixed assets21/28€307k€291k▼
Tangible fixed assets22/27€307k€291k▼
Land and buildings22€305k€290k▼
Plant, machinery and equipment23€242€162▼
Other tangible fixed assets26€2k€1k▼
Current assets29/58€1.53M€1.52M▼
Amounts receivable after more than one year29€679k€700k▲
Other amounts receivable291€679k€700k▲
Amounts receivable within one year40/41€3k€2k▼
Trade receivables40€3k€1k▼
Other amounts receivable41€41€594▲
Current investments50/53€200k€600k▲
Cash at bank and in hand54/58€632k€203k▼
Deferred charges and accrued income490/1€12k€11k▼
Equity and liabilities
Total equity and liabilities10/49€1.83M€1.81M▼
Equity10/15€1.70M€1.70M▼
Contributions10/11€180k€180k=
Reserves13€1.52M€1.52M=
Non-distributable reserves130/1€3k€3k=
Reserves not available under the articles1311€3k€3k=
Distributable reserves133€1.52M€1.52M=
Profit (loss) carried forward14-€-2k
Provisions and deferred taxes16€40k€40k=
Provisions for liabilities and charges160/5€40k€40k=
Major repairs and maintenance162€40k€40k=
Amounts payable17/49€93k€69k▼
Amounts payable after more than one year17€59k€47k▼
Financial debts170/4€59k€47k▼
Amounts payable within one year42/48€34k€21k▼
Current portion of amounts payable after more than one year42€17k€12k▼
Trade debts44€3k€1k▼
Suppliers440/4€3k€1k▼
Advances received on contracts in progress46€390-
Taxes, remuneration and social security45€13k€246▼
Taxes450/3€13k€246▼
Other amounts payable47/48€1k€7k▲
Accrued charges and deferred income492/3-€940
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€16k▼
Provisions for liabilities and charges: additions (uses and reversals)635/8€40k-
Other operating charges640/8€4k€2k▼
Gross operating margin9900€-20k€5k▲
Operating profit (loss)9901€-80k€-13k▲
Financial income75/76B€179k€11k▼
Recurring financial income75€13k€11k▼
Non-recurring financial income76B€167k-
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€98k€-3k▼
Income taxes67/77€-63k€-1k▲
Profit (loss) for the period9904€160k€-2k▼
Profit (loss) for the period to be appropriated9905€160k€-2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€130k€-2k▼
Profit (loss) brought forward from the previous period14P€-30k-
Transfer to equity691/2€130k-
To other reserves6921€130k-
The notes to these accounts (6 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
2025
16-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
10-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-06
Financial
Back to profitnet €160k
Net result €160k after one loss-making year.
30-06
Financial
Liquidity triplescurrent ratio 45.07
Current ratio from 13.44 to 45.07; short-term debt falls from €104k to €34k.
07-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 7 days late
2023
30-06
Financial
Weakest financial yearnet €-30k ▼103%
Net result drops to €-30k, the lowest in the series; recovery starts the following year.
04-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Highest result since 2019net €862k ▲730%
Net result €862k, the highest in the series.
30-06
Financial
Liquidity quadruplescurrent ratio 11.19
Current ratio from 2.57 to 11.19.
30-06
Financial
Equity above €1MEq €1.57M ▲122%
4 profitable years in a row build equity to €1.57M.
2021
10-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
02-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
30-06
Financial
Equity above €500kEq €603k ▲24.9%
2 profitable years in a row build equity to €603k.
2019
06-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
21-12
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
08-12
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
24-12
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
3 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, Wommelgem · 1 establishment unit since 2014
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.
Ternesselei 1172160 WommelgemGround area
232 m²
Building footprint
83 m²
Volume, LiDAR
506 m³
Parcel 11052C0567/00V000, Flanders · tallest building 10.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
RY 20
since 20142.237.966.776
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11052C0567/00V000 | Flanders | 232 m² | 1 · 83 m² | 10.4 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 24,725 companies in sector 64210 we hold annual accounts for 19,754. 11,384 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-12-2014
Fiscal year end30-06
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.