S²PB 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 €2.51M and a net result of €627k. Equity is growing by ~42.2% per year across the filed fiscal years. Its solvency ranks better than 65% of 5521 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 16-07-2026, 15 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
15 d early
2024
31 d early
2023
35 d early
2022
48 d early
2021
40 d early
2020
12 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€2.51M▲ 33.2%
2024 · €1.89M
2020: €409k
2021: €915k
2022: €1.48M
2023: €1.18M
2024: €1.89M
2020 → 2025
Net result
€627k▼ 11.5%
2024 · €709k
2020: €405k
2021: €505k
2022: €569k
2023: €655k
2024: €709k
2020 → 2025
Total assets
€3.68M▲ 12.3%
2024 · €3.28M
2020: €3.17M
2021: €3.28M
2022: €3.62M
2023: €3.18M
2024: €3.28M
2020 → 2025
Solvency
68.2%▲ 10.7pp
2024 · 57.5%
2020: 12.9%
2021: 27.9%
2022: 41.0%
2023: 37.0%
2024: 57.5%
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€915k-€1.48M▲ 62.3%€1.18M▼ 20.6%€1.89M▲ 60.2%€2.51M▲ 33.2%
Operating result€196k-€145k▼ 25.7%€118k▼ 19.0%€271k▲ 130%€224k▼ 17.4%
Net result€505k-€569k▲ 12.7%€655k▲ 15.0%€709k▲ 8.2%€627k▼ 11.5%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 17% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.68M
Fixed assets
€2.82M▼ 2.4%
Current assets
€868k▲ 119%
Equity and liabilities €3.68M
Equity
€2.51M▲ 33.2%
Debt
€1.17M▼ 16.0%
The debt ratio falls from 42.5% to 31.8%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
68.2%▲
2024 · 57.5%
ROE
24.9%▼
2024 · 37.6%
ROA
17.0%▼
2024 · 21.6%
Debt
€1.17M▼
2024 · €1.39M
Debt ≤ 1 year
€465k▲
2024 · €413k
Debt > 1 year
€697k▼
2024 · €957k
Income taxes
€114k▼
2024 · €129k
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€3.28M€3.68M▲
Fixed assets21/28€2.88M€2.82M▼
Tangible fixed assets22/27€119k€51k▼
Plant, machinery and equipment23€6k€6k▼
Furniture and vehicles24€113k€46k▼
Financial fixed assets28€2.77M€2.77M=
Current assets29/58€396k€868k▲
Amounts receivable within one year40/41€49k€45k▼
Trade receivables40€49k€45k▼
Cash at bank and in hand54/58€342k€804k▲
Deferred charges and accrued income490/1€4k€19k▲
Equity and liabilities
Total equity and liabilities10/49€3.28M€3.68M▲
Equity10/15€1.89M€2.51M▲
Contributions10/11€5k€5k=
Reserves13€1.87M€2.50M▲
Distributable reserves133€1.87M€2.50M▲
Profit (loss) carried forward14€8k€8k▲
Amounts payable17/49€1.39M€1.17M▼
Amounts payable after more than one year17€957k€697k▼
Financial debts170/4€957k€697k▼
Other amounts payable178/9€0-
Amounts payable within one year42/48€413k€465k▲
Current portion of amounts payable after more than one year42€270k€255k▼
Trade debts44€10k€34k▲
Suppliers440/4€10k€34k▲
Taxes, remuneration and social security45€97k€135k▲
Taxes450/3€97k€135k▲
Other amounts payable47/48€36k€42k▲
Accrued charges and deferred income492/3€24k€9k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€46k€37k▼
Other operating charges640/8€2k€12k▲
Non-recurring operating charges66A€0-
Gross operating margin9900€318k€272k▼
Operating profit (loss)9901€271k€224k▼
Financial income75/76B€603k€533k▼
Recurring financial income75€603k€533k▼
Financial charges65/66B€36k€16k▼
Recurring financial charges65€36k€16k▼
Profit (loss) for the period before taxes9903€837k€740k▼
Income taxes67/77€129k€114k▼
Profit (loss) for the period9904€709k€627k▼
Profit (loss) for the period to be appropriated9905€709k€627k▼
Appropriation of the result
Profit (loss) to be appropriated9906€717k€635k▼
Profit (loss) brought forward from the previous period14P€8k€8k▲
Transfer from equity791/2€0-
Transfer to equity691/2€709k€627k▼
To other reserves6921€709k€627k▼
Profit to be distributed694/7€0-
Employees696€0-
Social balance
Average headcount (FTE)90870.00.0=
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
Next filing, fiscal year 2026, expected by
2026
16-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Equity above €2MEq €2.51M ▲33.2%
6 profitable years in a row build equity to €2.51M.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Highest result since 2020net €709k ▲8.2%
Operating result €271k, net result €709k, both a record.
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
13-06
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-12
Financial
Equity above €1MEq €1.48M ▲62.3%
3 profitable years in a row build equity to €1.48M.
21-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Equity above €500kEq €915k ▲123%
2 profitable years in a row build equity to €915k.
19-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Hotton · 1 establishment unit since 2020
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.
Rue de la Libération 186990 HottonGround area
397 m²
Building footprint
45 m²
Parcel 83028D0251/00K000, Wallonia. Linked by address, not a title deed.
1 establishment unit
S2PB
since 20202.297.020.178
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 83028D0251/00K000 | Wallonia | 397 m² | 1 · 45 m² | - |
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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NAEXUS
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,760. 10,235 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-12-2019
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 6 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.
Contact details
2 entriesE-mail:benoit.soyeur@lap.be
Phone:+3284311784