Summary
Conclusion
the dossier summarised in one paragraphSecuur Holding is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €146k and a net result of €35k. Its solvency ranks better than 18% of 3139 sector peers (fiscal year 2024). The company has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 1 annual account.
Signals
1 signal · with evidenceWeak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 3139 sector peers (2024).
View the sector comparison Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Filing behaviour
From the deposit records, complete market-wideLatest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 04-07-2025, 27 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
How we compute the deadline
There is a single filed set of accounts, closing on 31-12. That date is certain, but one observation does not establish the rhythm (a first financial year may run longer than twelve months), so we project no following year. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2024, that is 31-07-2025.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2024 | 31-07-2025 | 04-07-2025 | 27 d early | 2025-00229777 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsMore than 3 years active
Founded in 2023, past the statistically most fragile first 3 years.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
Bankruptcy probability (12 mo)
Checked model v1 · free for everyoneThis is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.
Financials
Equity€146k
Net result€35k
Total assets€1.31M
Solvency11.1%
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 04-07-2025 with the NBB · fiscal year 2024 · micro
Sector comparison
Fiscal year 2024 · NACE 64, Financial services · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 11.1% | 52.5% | |
| Net result | €35k | €32k | |
| Equity | €146k | €75k | |
| Gross operating margin | €62k | €52k | |
| Total assets | €1.31M | €192k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
| Fiscal year | 2024 |
|---|---|
| Deposit | micro |
| Revenue | n/a |
| EBITDA | n/a |
| Net profit | €35k |
| Cash flow | n/a |
| Staff costs | - |
| Income taxes | €12k |
| Dividends | - |
| Total assets | €1.31M |
| Equity | €146k |
| Debt | €1.17M |
| of which ≤ 1y | €234k |
| of which > 1y | €933k |
| Working capital | n/a |
| Employees (FTE) | - |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | n/a |
| Quick ratio | n/a |
| Working capital ratio | n/a |
| Solvency | 11.1% |
| Debt / equity | n/a |
| Long-term debt ratio | n/a |
| Interest coverage | n/a |
| Gross margin | n/a |
| Net margin | n/a |
| ROA | 2.6% |
| ROE | 23.6% |
| EBITDA margin | n/a |
| Days sales outstanding | n/a |
| Days payable outstanding | n/a |
| Inventory turnover | n/a |
| Days inventory (DSI) | n/a |
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €1.31M |
| Fixed assets | 21/28 | €1.30M |
| Financial fixed assets | 28 | €1.30M |
| Current assets | 29/58 | €13k |
| Amounts receivable within one year | 40/41 | €16 |
| Cash & bank | 54/58 | €13k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €1.31M |
| Equity | 10/15 | €146k |
| Contributions / capital | 10/11 | €112k |
| Reserves | 13 | €35k |
| Amounts payable | 17/49 | €1.17M |
| Amounts payable after one year | 17 | €933k |
| Amounts payable within one year | 42/48 | €234k |
| Trade debts payable within one year | 44 | €48 |
| Income statement | ||
| Gross operating margin | 9900 | €62k |
| Operating result | 9901 | €61k |
| Financial charges | 65 | €15k |
| Result before taxes | 9903 | €46k |
| Income taxes | 67/77 | €12k |
| Net result for the period | 9904 | €35k |
| Result to be appropriated | 9905 | €35k |
Ratios computed by Checked.
Health barometer
FY 2024 · computedModel 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.
Directors
Directors & mandates
under verificationDirectors derived from a single State Gazette act, under verification
All 6 current directors first appear in the same act (24436938). Founders or capital subscribers may have been counted as directors here; the real board composition is being verified.
Current directors & mandates
-
Current16-10-2024 → present
-
Kristoffer FalatDirectorState Gazette act 24436938 (16-10-2024)Current16-10-2024 → present
-
NAVIGEERLegal entityDirector· perm. rep.: Tom Van WassenhoveState Gazette act 24436938 (16-10-2024)Current16-10-2024 → present
-
Current16-10-2024 → present
-
Current16-10-2024 → present
-
Current16-10-2024 → present
Former directors (1)
-
Jan Van MieghemDirectorState Gazette act 24436938 (16-10-2024)Former16-10-2024 → 25-06-2025
2 events
- 25-06-2025 Resigned· Director
- 16-10-2024 Appointed· Director
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Insolvency mandates
No insolvency mandates (liquidators, administrators) on record for this company.
Legal Structure
| NACE primary | Activiteiten van holdings(64210) |
| Legal form | Private limited company(610) |
| Incorporation | 25-07-2023 |
| Status | Active |
| Postal code | 9000 |
Structure & network
Locations & real estate
Registered office
from the Crossroads BankCannot 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.
Lange Violettestraat 949000 GentEstablishment units
1 locationSecuur Holding
since 20232.348.415.827
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area415 m²
Buildings1
Building footprint218 m²
Volume (LiDAR)1,760 m³
Tallest building12.3 m · ±3 fl.
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44804D2430/00E000 | Flanders | 415 m² | 1 · 218 m² | 12.3 m · 3 fl. |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
2 acts All acts · 2
updated 1 year ago
2025
14-07-2025 Articles of association amended, translation of the articles, coordination of the articles and full restatement of the articles
Notary:
Wim Van Damme · Lochristi
2024
16-10-2024 7 directors appointed
- Kristoffer Falat, Bestuurder
- Tom De Smaele, Bestuurder
- Kristof Versluys, Bestuurder
- Tom Van Wassenhove, Bestuurder
- Julie Sohier, Bestuurder
- Raf Van Nuffel, Bestuurder
- Jan Van Mieghem, Bestuurder
Notary:
Benjamin Van Hauwermeiren · Oordegem
Analysis
Snowflake analysis
financial profile on 5 axes62
/ 100
This figure rests on 3 of 5 axes. Too few to say where this company is strong or weak.
Computed on 3 of 5 axes. Not measured: health, growth. An unmeasured axis is not a zero: no data was read for it.
Health
-
Profitability
100
Solvency
7
Growth
-
Stability
79
Ask AI about this company
Checked AISoon: ask questions about this dossier, risks, curator, sector comparison, answered from the official data on this page.
TryWhat are the main risks?Any recent red flags?Compare to sector peers
Coming soonAI due-diligence brief
Checked AIGenerate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.
Coming soon
The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works
Credit advice
verdict per customer and amountSimilar
Similar companies
Comparable size, same sectorBE 0765.740.665 · Lochristi
BE 0805.797.707 · Visé
BE 0790.218.913 · Wevelgem
BE 0773.608.949 · Kasterlee
BE 0476.416.191 · Hasselt
We hold annual accounts for 5,518 of the 24,678 companies in this sector. 3,995 of them are within a factor 10 of this company's equity.
Company registry
Company registry (CBE)
Crossroads BankActivities
Holdings64200Activiteiten van holdings64210Handelsbemiddeling in goederen, algemeen assortiment46190Handelsbemiddeling in de niet-gespecialiseerde groothandel46190Overige diensten op het gebied van informatietechnologie en computer62090Overige diensten op het gebied van informatietechnologie en computer62900Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220Lease van intellectuele eigendom en vergelijkbare producten, met uitzondering van werken onder auteursrecht77400Lease van intellectuele eigendom en vergelijkbare producten, met uitzondering van werken onder auteursrecht77400Administratieve en ondersteunende activiteiten ten behoeve van kantoren82100Diverse administratieve activiteiten ten behoeve van kantoren82110
Primary activity highlighted.
Names & trade names
| Legal nameNL | Secuur Holding |
Registered office
Lange Violettestraat 94
9000 Gent, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.