SCHMATZ & PARTNERS 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 €435k and a net result of €49k. Equity is growing by ~5.2% per year across the filed fiscal years. Its solvency ranks better than 60% of 486 sector peers (fiscal year 2025). The company has been active since 1999 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 · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 24-08-2026, 24 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
24 d late
2024
24 d early
2023
7 d early
2022
4 d early
2021
19 d late
2020
17 d late
2019
47 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Equity
€435k▲ 2.2%
2024 · €425k
2018: €302k
2019: €341k
2020: €336k
2021: €361k
2022: €414k
2023: €471k
2024: €425k
2018 → 2025
Net result
€49k
2024 · €-7k
2018: €-661
2019: €39k
2020: €98k
2021: €325k
2022: €53k
2023: €57k
2024: €-7k
2018 → 2025
Total assets
€795k▼ 2.0%
2024 · €811k
2018: €679k
2019: €594k
2020: €721k
2021: €882k
2022: €873k
2023: €1.11M
2024: €811k
2018 → 2025
Solvency
54.7%▲ 2.3pp
2024 · 52.4%
2018: 44.5%
2019: 57.4%
2020: 46.6%
2021: 40.9%
2022: 47.4%
2023: 42.4%
2024: 52.4%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€361k-€414k▲ 14.6%€471k▲ 13.9%€425k▼ 9.7%€435k▲ 2.2%
Operating result€333k-€58k▼ 82.5%€90k▲ 54.6%€3k▼ 96.2%€60k▲ 1,654%
Net result€325k-€53k▼ 83.8%€57k▲ 8.8%€-7k€49k
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 1,654% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €795k
Fixed assets
€680k▼ 6.0%
Current assets
€115k▲ 31.2%
Equity and liabilities €795k
Equity
€435k▲ 2.2%
Debt
€360k▼ 6.7%
The debt ratio falls from 47.6% to 45.3%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
54.7%▲
2024 · 52.4%
ROE
11.3%▲
2024 · -1.7%
ROA
6.2%▲
2024 · -0.9%
Debt
€360k▼
2024 · €386k
Debt ≤ 1 year
€66k▼
2024 · €70k
Debt > 1 year
€294k▼
2024 · €315k
Income taxes
€3k
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€811k€795k▼
Fixed assets21/28€724k€680k▼
Tangible fixed assets22/27€654k€610k▼
Land and buildings22€549k€535k▼
Plant, machinery and equipment23€60k€52k▼
Furniture and vehicles24€45k€23k▼
Financial fixed assets28€70k€70k=
Current assets29/58€88k€115k▲
Amounts receivable after more than one year29-€75k
Other amounts receivable291-€75k
Amounts receivable within one year40/41€8k€11k▲
Trade receivables40€7k€5k▼
Other amounts receivable41€808€7k▲
Current investments50/53€5k€7k▲
Cash at bank and in hand54/58€74k€21k▼
Deferred charges and accrued income490/1€541€577▲
Equity and liabilities
Total equity and liabilities10/49€811k€795k▼
Equity10/15€425k€435k▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€153k€162k▲
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Distributable reserves133€147k€156k▲
Profit (loss) carried forward14€210k€210k=
Amounts payable17/49€386k€360k▼
Amounts payable after more than one year17€315k€294k▼
Financial debts170/4€315k€294k▼
Amounts payable within one year42/48€70k€66k▼
Current portion of amounts payable after more than one year42€22k€22k▼
Trade debts44€6k€3k▼
Suppliers440/4€6k€3k▼
Taxes, remuneration and social security45€6k€1k▼
Taxes450/3€3k€1k▼
Remuneration and social security454/9€3k-
Other amounts payable47/48€37k€40k▲
Accrued charges and deferred income492/3€319€838▲
Income statement
Code20242025
Non-recurring operating income76A€191k€199k▲
Remuneration, social security and pensions62€22k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€39k€44k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€10k-
Other operating charges640/8€8k€8k▲
Gross operating margin9900€83k€112k▲
Operating profit (loss)9901€3k€60k▲
Financial income75/76B€4k€1k▼
Recurring financial income75€4k€1k▼
Financial charges65/66B€14k€9k▼
Recurring financial charges65€14k€9k▼
Profit (loss) for the period before taxes9903€-7k€52k▲
Income taxes67/77-€3k
Profit (loss) for the period9904€-7k€49k▲
Profit (loss) for the period to be appropriated9905€-7k€49k▲
Appropriation of the result
Profit (loss) to be appropriated9906€210k€260k▲
Profit (loss) brought forward from the previous period14P€218k€210k▼
Transfer from equity791/2€39k-
Transfer to equity691/2-€9k
To other reserves6921-€9k
Profit to be distributed694/7€39k€40k▲
Return on contributions (dividend)694€39k-
Directors or managers695-€40k
Social balance
Average headcount (FTE)90870.5-
The notes to these accounts (13 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
24-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 24 days late
2025
31-12
Financial
Back to profitnet €49k
Net result €49k after one loss-making year.
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Weakest financial yearnet €-7k ▼112%
Net result drops to €-7k, the lowest in the series; recovery starts the following year.
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
19-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 19 days late
2021
31-12
Financial
Highest result since 2018net €325k ▲232%
Operating result €333k, net result €325k, both a record.
17-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 17 days late
2020
16-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 47 days late
2019
31-12
Financial
Back to profitnet €39k
Net result €39k after one loss-making year.
19-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 19 days late
2018
19-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
11-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
17 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, Sankt Vith · 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.
Malmedyer Strasse 97B4780 Sankt Vith1 establishment unit
Malmedyer Strasse 97, 4780 Sankt Vith
since 20002.099.342.789
Recognitions · licences · registrations
Legal Entity Identifier
967600HHNP7R0X2T7W65
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Of 4,687 companies in sector 66220 we hold annual accounts for 3,231. 2,650 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded02-12-1999
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
70100Activities of head offices
70200Business and other management consultancy
70220Business consulting
77110Renting and leasing of cars and light motor vehicles
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filings
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.