Summary
SECU MANAGEMENT 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 €90k and a net result of €-130k. Equity remains stable across the filed fiscal years (±1.1% per year). Its solvency ranks better than 26% of 8023 sector peers (fiscal year 2025). The company has been active since 2017 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 check for your own amount and term
Signals
1 signal. 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 10-08-2026, 10 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 · 8 filingsDeviation from the deadline
2025
10 d late
2024
31 d late
2023
30 d late
2022
30 d late
2021
31 d late
2020
31 d late
2019
69 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€90k▼ 74.2%
2024 · €347k
2018: €171k
2019: €252k
2020: €335k
2021: €411k
2022: €366k
2023: €347k
2024: €347k
2018 → 2025
Net result
€-130k
2024 · €75k
2018: €165k
2019: €81k
2020: €82k
2021: €76k
2022: €103k
2023: €11k
2024: €75k
2018 → 2025
Total assets
€404k▼ 34.3%
2024 · €615k
2018: €283k
2019: €686k
2020: €696k
2021: €766k
2022: €630k
2023: €568k
2024: €615k
2018 → 2025
Solvency
22.2%▼ 34.3pp
2024 · 56.5%
2018: 60.3%
2019: 36.8%
2020: 48.1%
2021: 53.6%
2022: 58.0%
2023: 61.1%
2024: 56.5%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€411k-€366k▼ 11.0%€347k▼ 5.0%€347k=€90k▼ 74.2%
Operating result€103k-€158k▲ 53.0%€30k▼ 81.3%€127k▲ 332%€-78k
Net result€76k-€103k▲ 34.8%€11k▼ 89.5%€75k▲ 597%€-130k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €78k after €127k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €404k
Fixed assets
€4k ▼ 98.7%
Current assets
€401k ▲ 20.1%
Equity and liabilities €404k
Equity
€90k ▼ 74.2%
Debt
€314k ▲ 17.3%
Debt's share of the balance-sheet total rises from 43.5% to 77.8%. Equity is lower and debt is higher.
Key figures and ratios
ROE
-144.6%▼
2024 · 21.6%
ROA
-32.1%▼
2024 · 12.2%
Debt ≤ 1 year
€283k▲
2024 · €206k
Debt > 1 year
€28k▼
2024 · €59k
Income taxes
€48k▲
2024 · €29k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€615k€404k▼
Fixed assets21/28€282k€4k▼
Tangible fixed assets22/27€4k€4k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€1k€2k▲
Financial fixed assets28€278k-
Current assets29/58€334k€401k▲
Amounts receivable after more than one year29€118k€118k=
Other amounts receivable291€118k€118k=
Amounts receivable within one year40/41€119k€88k▼
Trade receivables40€25k€36k▲
Other amounts receivable41€94k€53k▼
Cash at bank and in hand54/58€91k€164k▲
Deferred charges and accrued income490/1€5k€31k▲
Equity and liabilities
Total equity and liabilities10/49€615k€404k▼
Equity10/15€347k€90k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€327k€69k▼
Amounts payable17/49€268k€314k▲
Amounts payable after more than one year17€59k€28k▼
Financial debts170/4€59k€28k▼
Amounts payable within one year42/48€206k€283k▲
Current portion of amounts payable after more than one year42€35k€31k▼
Trade debts44€16k€40k▲
Suppliers440/4€16k€40k▲
Advances received on contracts in progress46€21k-
Taxes, remuneration and social security45€59k€85k▲
Taxes450/3€59k€85k▲
Other amounts payable47/48€75k€128k▲
Accrued charges and deferred income492/3€3k€3k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▲
Other operating charges640/8€1,000€491▼
Non-recurring operating charges66A-€278k
Gross operating margin9900€130k€202k▲
Operating profit (loss)9901€127k€-78k▼
Financial income75/76B€5k€4k▼
Recurring financial income75€5k€4k▼
Financial charges65/66B€28k€8k▼
Recurring financial charges65€28k€8k▼
Profit (loss) for the period before taxes9903€104k€-82k▼
Income taxes67/77€29k€48k▲
Profit (loss) for the period9904€75k€-130k▼
Profit (loss) for the period to be appropriated9905€75k€-130k▼
Appropriation of the result
Profit (loss) to be appropriated9906€402k€197k▼
Profit (loss) brought forward from the previous period14P€327k€327k=
Profit to be distributed694/7€75k€128k▲
Return on contributions (dividend)694€75k€128k▲
The notes to these accounts (7 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
10-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 10 days late
2025
31-12
Financial
Weakest financial yearnet €-130k ▼273%
Net result drops to €-130k, the lowest in the series.
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
08-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 69 days late
2019
31-12
Financial
Equity above €200kEq €252k ▲47.6%
2 profitable years in a row build equity to €252k.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Sint-Genesius-Rode · 1 establishment unit since 2017
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.
Sleutelbloemenlaan 161640 Sint-Genesius-RodeGround area
1,273 m²
Building footprint
168 m²
Volume, LiDAR
1,008 m³
Parcel 22552E0043/00N040, Flanders · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
SECU MANAGEMENT
since 20172.267.321.550
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22552E0043/00N040 | Flanders | 1,273 m² | 1 · 168 m² | 7.8 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.
Recognitions · licences · registrations
Legal Entity Identifier
984500C2EBF09BI1E647
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 12,072 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-07-2017
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.