SABER 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 €929k and a net result of €27k. Equity is growing by ~9.1% per year across the filed fiscal years. Its solvency ranks better than 93% of 8018 sector peers (fiscal year 2025). The company has been active since 2000 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 · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
30 d late
2024
58 d late
2023
75 d late
2022
55 d late
2021
30 d late
2020
31 d late
2019
88 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€929k▲ 3.0%
2024 · €902k
2018: €505k
2019: €534k
2020: €618k
2021: €678k
2022: €770k
2023: €846k
2024: €902k
2018 → 2025
Net result
€27k▼ 50.5%
2024 · €55k
2018: €316k
2019: €29k
2020: €83k
2021: €60k
2022: €92k
2023: €76k
2024: €55k
2018 → 2025
Total assets
€983k▲ 0.8%
2024 · €975k
2018: €824k
2019: €839k
2020: €821k
2021: €830k
2022: €893k
2023: €945k
2024: €975k
2018 → 2025
Solvency
94.5%▲ 2.0pp
2024 · 92.5%
2018: 61.3%
2019: 63.7%
2020: 75.2%
2021: 81.7%
2022: 86.2%
2023: 89.6%
2024: 92.5%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€678k-€770k▲ 13.6%€846k▲ 9.9%€902k▲ 6.5%€929k▲ 3.0%
Operating result€82k-€101k▲ 23.1%€76k▼ 24.9%€78k▲ 2.6%€39k▼ 49.9%
Net result€60k-€92k▲ 52.5%€76k▼ 17.4%€55k▼ 27.5%€27k▼ 50.5%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 50% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €983k
Fixed assets
€765k▲ 0.1%
Current assets
€218k▲ 3.7%
Equity and liabilities €983k
Equity
€929k▲ 3.0%
Debt
€54k▼ 26.2%
The debt ratio falls from 7.5% to 5.5%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
94.5%▲
2024 · 92.5%
ROE
2.9%▼
2024 · 6.1%
ROA
2.8%▼
2024 · 5.7%
Debt
€54k▼
2024 · €73k
Debt ≤ 1 year
€54k▼
2024 · €64k
Debt > 1 year
€0▼
2024 · €9k
Income taxes
€11k▼
2024 · €21k
Staff costs
€68k▲
2024 · €16k
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€975k€983k▲
Fixed assets21/28€765k€765k▲
Tangible fixed assets22/27€124k€124k▲
Land and buildings22€124k€118k▼
Furniture and vehicles24-€7k
Financial fixed assets28€641k€641k=
Current assets29/58€210k€218k▲
Amounts receivable within one year40/41€208k€215k▲
Trade receivables40€151k€155k▲
Other amounts receivable41€57k€60k▲
Cash at bank and in hand54/58€2k€357▼
Deferred charges and accrued income490/1€432€2k▲
Equity and liabilities
Total equity and liabilities10/49€975k€983k▲
Equity10/15€902k€929k▲
Contributions10/11€19k€19k=
Reserves13€183k€210k▲
Distributable reserves133€183k€210k▲
Profit (loss) carried forward14€700k€700k=
Amounts payable17/49€73k€54k▼
Amounts payable after more than one year17€9k€0▼
Financial debts170/4€9k€0▼
Amounts payable within one year42/48€64k€54k▼
Current portion of amounts payable after more than one year42€30k€21k▼
Financial debts43€3k€3k▼
Credit institutions430/8€3k€3k▼
Trade debts44€4k€8k▲
Suppliers440/4€4k€8k▲
Taxes, remuneration and social security45€23k€16k▼
Taxes450/3€20k€11k▼
Remuneration and social security454/9€2k€5k▲
Other amounts payable47/48€4k€5k▲
Income statement
Code20242025
Remuneration, social security and pensions62€16k€68k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€9k▲
Other operating charges640/8€968€1k▲
Gross operating margin9900€101k€118k▲
Operating profit (loss)9901€78k€39k▼
Financial income75/76B€1k€1k▲
Recurring financial income75€1k€1k▲
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€77k€38k▼
Income taxes67/77€21k€11k▼
Profit (loss) for the period9904€55k€27k▼
Profit (loss) for the period to be appropriated9905€55k€27k▼
Appropriation of the result
Profit (loss) to be appropriated9906€755k€727k▼
Profit (loss) brought forward from the previous period14P€700k€700k=
Transfer to equity691/2€55k€27k▼
To the legal reserve6920-€27k
To other reserves6921€55k-
The notes to these accounts (10 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
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
31-12
Financial
Weakest financial yearnet €27k ▼50.5%
Net result drops to €27k, the lowest in the series.
27-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 58 days late
2024
14-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 75 days late
2023
24-09
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 55 days late
2022
31-12
Financial
Liquidity triplescurrent ratio 1.48
Current ratio from 0.50 to 1.48; short-term debt falls from €89k to €78k.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 30 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 31 days late
2020
27-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 88 days late
2019
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 30 days late
2017
27-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 58 days late
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, Brussel · 1 establishment unit since 2000
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.
Emile Bockstaellaan 2741020 BrusselGround area
201 m²
Building footprint
193 m²
Volume, LiDAR
1,991 m³
Parcel 21816C0135/00Z000, Brussels · tallest building 24.2 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Emile Bockstaellaan 274, 1020 Brussel
since 20002.131.647.254
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21816C0135/00Z000 | Brussels | 201 m² | 1 · 193 m² | 24.1 m · 4 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 19,762. 12,866 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-01-2000
Fiscal year end31-12
Activities, NACEBEL
43310Plastering work
64200Holdings
64210Activities of holding companies
74151
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.