S-MORE3P 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 €723k and a net result of €2k. Equity is growing by ~16.1% per year across the filed fiscal years. Its solvency ranks better than 95% of 7994 sector peers (fiscal year 2025). The company has been active since 2019 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 31-12-2025 was due by 31-07-2026 and was filed on 03-07-2026, 28 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
28 d early
2024
29 d early
2023
75 d early
2022
47 d early
2021
59 d early
2020
47 d early
2019
44 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€723k▲ 0.3%
2024 · €721k
2019: €79k
2020: €266k
2021: €463k
2022: €705k
2023: €766k
2024: €721k
2019 → 2025
Net result
€2k
2024 · €-45k
2019: €74k
2020: €192k
2021: €197k
2022: €242k
2023: €61k
2024: €-45k
2019 → 2025
Total assets
€734k▲ 0.9%
2024 · €727k
2019: €142k
2020: €409k
2021: €658k
2022: €833k
2023: €819k
2024: €727k
2019 → 2025
Solvency
98.5%▼ 0.6pp
2024 · 99.1%
2019: 55.6%
2020: 64.9%
2021: 70.3%
2022: 84.6%
2023: 93.6%
2024: 99.1%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€463k-€705k▲ 52.3%€766k▲ 8.7%€721k▼ 5.9%€723k▲ 0.3%
Operating result€288k-€356k▲ 23.8%€72k▼ 79.7%€-58k€-3k▲ 94.7%
Net result€197k-€242k▲ 22.9%€61k▼ 74.7%€-45k€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 €3k in 2025 against €58k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €734k
Fixed assets
€51k▼ 36.0%
Current assets
€683k▲ 5.5%
Equity and liabilities €734k
Equity
€723k▲ 0.3%
Debt
€11k▲ 63.7%
The debt ratio rises from 0.9% to 1.5%. Equity and debt are higher.
Key figures and ratios
Solvency
98.5%▼
2024 · 99.1%
ROE
0.3%▲
2024 · -6.3%
ROA
0.3%▲
2024 · -6.3%
Debt
€11k▲
2024 · €7k
Debt ≤ 1 year
€11k▲
2024 · €7k
Income taxes
€174▲
2024 · €60
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€727k€734k▲
Fixed assets21/28€80k€51k▼
Tangible fixed assets22/27€80k€51k▼
Furniture and vehicles24€43k€23k▼
Other tangible fixed assets26€37k€28k▼
Current assets29/58€647k€683k▲
Stocks and contracts in progress3€1k€0▼
Stocks30/36€1k€0▼
Amounts receivable within one year40/41€72k€65k▼
Trade receivables40€41k€31k▼
Other amounts receivable41€31k€34k▲
Current investments50/53€415k€400k▼
Cash at bank and in hand54/58€155k€180k▲
Deferred charges and accrued income490/1€5k€38k▲
Equity and liabilities
Total equity and liabilities10/49€727k€734k▲
Equity10/15€721k€723k▲
Reserves13€705k€705k=
Distributable reserves133€705k€705k=
Profit (loss) carried forward14€16k€18k▲
Amounts payable17/49€7k€11k▲
Amounts payable within one year42/48€7k€11k▲
Trade debts44€6k€8k▲
Suppliers440/4€6k€8k▲
Taxes, remuneration and social security45€490€4k▲
Taxes450/3€490€4k▲
Other amounts payable47/48€0-
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€33k€15k▼
Other operating charges640/8€1k€924▼
Non-recurring operating charges66A-€14k
Gross operating margin9900€-24k€27k▲
Operating profit (loss)9901€-58k€-3k▲
Financial income75/76B€13k€7k▼
Recurring financial income75€13k€7k▼
Financial charges65/66B€281€1k▲
Recurring financial charges65€281€1k▲
Profit (loss) for the period before taxes9903€-45k€2k▲
Income taxes67/77€60€174▲
Profit (loss) for the period9904€-45k€2k▲
Profit (loss) for the period to be appropriated9905€-45k€2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€16k€18k▲
Profit (loss) brought forward from the previous period14P€61k€16k▼
The notes to these accounts (5 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
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-45k ▼174%
Net result drops to €-45k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 7current ratio 94.25
Current ratio from 13.81 to 94.25; short-term debt falls from €52k to €7k.
17-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity doublescurrent ratio 13.81
Current ratio from 5.89 to 13.81; short-term debt falls from €127k to €52k.
14-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2019net €242k ▲22.9%
Operating result €356k, net result €242k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 5.89
Current ratio from 2.93 to 5.89; short-term debt falls from €195k to €127k.
31-12
Financial
Equity above €500kEq €705k ▲52.3%
4 profitable years in a row build equity to €705k.
02-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
14-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €200kEq €266k ▲238%
2 profitable years in a row build equity to €266k.
17-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Bilzen-Hoeselt · 1 establishment unit since 2019
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.
Kogelstraat 63740 Bilzen-HoeseltGround area
3,365 m²
Building footprint
658 m²
Volume, LiDAR
1,772 m³
2 parcels, Flanders · tallest building 16.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
S>3P
since 20192.291.808.508
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73068A0479/00R000 | Flanders | 2,110 m² | 1 · 328 m² | 16.2 m |
| 71562B0903/00V009 | Flanders | 1,255 m² | 1 · 330 m² | 4.0 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 24,727 companies in sector 64210 we hold annual accounts for 19,759. 13,286 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-05-2019
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:Mark.Stulens@S-more3P.com