SASKIA MORTIER 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 €701k and a net result of €77k. Equity remains stable across the filed fiscal years (±0.1% per year). Its solvency ranks better than 54% of 7994 sector peers (fiscal year 2025). The company has been active since 2006 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 17-07-2026, 14 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
14 d early
2024
12 d early
2023
7 d early
2022
23 d early
2021
18 d early
2020
36 d early
2019
3 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
€701k▼ 12.8%
2024 · €803k
2018: €715k
2019: €887k
2020: €785k
2021: €961k
2022: €969k
2023: €887k
2024: €803k
2018 → 2025
Net result
€77k▼ 13.0%
2024 · €89k
2018: €174k
2019: €172k
2020: €180k
2021: €177k
2022: €169k
2023: €92k
2024: €89k
2018 → 2025
Total assets
€1.25M▲ 25.5%
2024 · €995k
2018: €726k
2019: €899k
2020: €1.09M
2021: €975k
2022: €1.16M
2023: €1.08M
2024: €995k
2018 → 2025
Solvency
56.1%▼ 24.6pp
2024 · 80.7%
2018: 98.5%
2019: 98.7%
2020: 72.3%
2021: 98.6%
2022: 83.8%
2023: 82.0%
2024: 80.7%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€961k-€969k▲ 0.8%€887k▼ 8.5%€803k▼ 9.4%€701k▼ 12.8%
Operating result€247k-€236k▼ 4.7%€129k▼ 45.4%€100k▼ 22.0%€95k▼ 5.4%
Net result€177k-€169k▼ 4.5%€92k▼ 45.6%€89k▼ 3.3%€77k▼ 13.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen four years in a row; 2025 is 5% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.25M
Fixed assets
€28k▲ 26.1%
Current assets
€1.22M▲ 25.5%
Equity and liabilities €1.25M
Equity
€701k▼ 12.8%
Debt
€548k▲ 185%
The debt ratio rises from 19.3% to 43.9%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
56.1%▼
2024 · 80.7%
ROE
11.0%▼
2024 · 11.0%
ROA
6.2%▼
2024 · 8.9%
Debt
€548k▲
2024 · €192k
Debt ≤ 1 year
€548k▲
2024 · €192k
Income taxes
€29k▼
2024 · €35k
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€995k€1.25M▲
Fixed assets21/28€22k€28k▲
Tangible fixed assets22/27€22k€28k▲
Land and buildings22€20k€17k▼
Plant, machinery and equipment23€1k€10k▲
Furniture and vehicles24€429-
Current assets29/58€974k€1.22M▲
Amounts receivable within one year40/41€304k€281k▼
Trade receivables40€18k€18k=
Other amounts receivable41€286k€263k▼
Current investments50/53€350k-
Cash at bank and in hand54/58€313k€934k▲
Deferred charges and accrued income490/1€6k€6k▼
Equity and liabilities
Total equity and liabilities10/49€995k€1.25M▲
Equity10/15€803k€701k▼
Contributions10/11€19k€19k=
Reserves13€785k€682k▼
Distributable reserves133€785k€682k▼
Amounts payable17/49€192k€548k▲
Amounts payable within one year42/48€192k€548k▲
Trade debts44€98€235▲
Suppliers440/4€98€235▲
Taxes, remuneration and social security45€11k€8k▼
Taxes450/3€8k€5k▼
Remuneration and social security454/9€3k€3k=
Other amounts payable47/48€181k€540k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k▼
Other operating charges640/8€1k€1k▲
Gross operating margin9900€106k€101k▼
Operating profit (loss)9901€100k€95k▼
Financial income75/76B€23k€12k▼
Recurring financial income75€23k€12k▼
Financial charges65/66B€169€249▲
Recurring financial charges65€169€249▲
Profit (loss) for the period before taxes9903€123k€106k▼
Income taxes67/77€35k€29k▼
Profit (loss) for the period9904€89k€77k▼
Profit (loss) for the period to be appropriated9905€89k€77k▼
Appropriation of the result
Profit (loss) to be appropriated9906€89k€77k▼
Transfer from equity791/2€172k€180k▲
Transfer to equity691/2€89k€77k▼
To other reserves6921€89k€77k▼
Profit to be distributed694/7€172k€180k▲
Return on contributions (dividend)694€172k€180k▲
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
17-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €77k ▼13%
Net result drops to €77k, the lowest in the series.
19-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
08-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
13-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity times 20current ratio 69.28
Current ratio from 3.50 to 69.28; short-term debt falls from €301k to €14k.
25-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €180k ▲4.2%
Net result €180k, the highest in the series.
28-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
19-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
23-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-07
NBB filing
Annual accounts filed
fiscal year 2016 · 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, Aalter · 1 establishment unit since 2006
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.
Groendreef 609880 AalterGround area
9,809 m²
Building footprint
6,868 m²
Volume, LiDAR
43,997 m³
Parcel 44503H0080/00A000, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SASKIA MORTIER
since 20062.153.338.335
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44503H0080/00A000 | Flanders | 9,809 m² | 1 · 6,868 m² | 8.4 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 1,320 EUR awarded · 1,110 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 1,320 EUR | 1,110 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,754. 13,318 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-03-2006
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
68110Buying and selling of own real estate
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.