Summary
SEKUUR! 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 €60k and a net result of €44k. Equity is growing by ~19.7% per year across the filed fiscal years. Its solvency ranks better than 11% of 1475 sector peers (fiscal year 2025). The company has been active since 2021 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
Two signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 11% of 1475 sector peers (2025).
NBB · sector comparisonPosition among 1475 sector peers
Solvency
better than 11%
← weakest
strongest →
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 03-04-2026, 119 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
119 d early
2024
27 d late
2023
92 d late
2022
31 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, abbreviated schema
Equity
€60k▼ 7.8%
2024 · €65k
2022: €28k
2023: €53k
2024: €65k
2022 → 2025
Net result
€44k▼ 31.6%
2024 · €64k
2022: €8k
2023: €103k
2024: €64k
2022 → 2025
Total assets
€1.71M▼ 12.1%
2024 · €1.94M
2022: €2.22M
2023: €2.20M
2024: €1.94M
2022 → 2025
Solvency
3.5%▲ 0.2pp
2024 · 3.3%
2022: 1.2%
2023: 2.4%
2024: 3.3%
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€28k-€53k▲ 92.0%€65k▲ 21.8%€60k▼ 7.8%
Operating result€33k-€150k▲ 361%€108k▼ 28.5%€84k▼ 21.4%
Net result€8k-€103k▲ 1,221%€64k▼ 37.4%€44k▼ 31.6%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 21% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.71M
Fixed assets
€1.48M ▼ 13.4%
Current assets
€227k ▼ 2.6%
Equity and liabilities €1.71M
Equity
€60k ▼ 7.8%
Debt
€1.65M ▼ 12.2%
Debt's share of the balance-sheet total falls from 96.7% to 96.5%. Equity and debt are lower.
Key figures and ratios
ROE
73.4%▼
2024 · 98.9%
ROA
2.6%▼
2024 · 3.3%
Debt ≤ 1 year
€389k▲
2024 · €381k
Debt > 1 year
€1.26M▼
2024 · €1.49M
Income taxes
€16k▲
2024 · €12k
Staff costs
€381k▲
2024 · €358k
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 · 51 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.94M€1.71M▼
Fixed assets21/28€1.71M€1.48M▼
Intangible fixed assets21€1.64M€1.42M▼
Tangible fixed assets22/27€66k€60k▼
Land and buildings22€46k€41k▼
Furniture and vehicles24€20k€20k▼
Current assets29/58€233k€227k▼
Amounts receivable within one year40/41€0€2k▲
Trade receivables40€0-
Other amounts receivable41-€2k
Cash at bank and in hand54/58€207k€196k▼
Deferred charges and accrued income490/1€26k€29k▲
Equity and liabilities
Total equity and liabilities10/49€1.94M€1.71M▼
Equity10/15€65k€60k▼
Contributions10/11€20k€20k=
Reserves13€45k€40k▼
Distributable reserves133€45k€40k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€1.88M€1.65M▼
Amounts payable after more than one year17€1.49M€1.26M▼
Financial debts170/4€1.49M€1.26M▼
Amounts payable within one year42/48€381k€389k▲
Current portion of amounts payable after more than one year42€247k€248k▲
Trade debts44€28k€32k▲
Suppliers440/4€28k€32k▲
Advances received on contracts in progress46€874€430▼
Taxes, remuneration and social security45€47k€55k▲
Taxes450/3€12k€19k▲
Remuneration and social security454/9€35k€36k▲
Other amounts payable47/48€57k€53k▼
Accrued charges and deferred income492/3€8k€0▼
Income statement
Code20242025
Remuneration, social security and pensions62€358k€381k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€236k€237k▲
Other operating charges640/8€17k€10k▼
Gross operating margin9900€719k€713k▼
Operating profit (loss)9901€108k€84k▼
Financial income75/76B€241€86▼
Recurring financial income75€241€86▼
Financial charges65/66B€31k€24k▼
Recurring financial charges65€31k€24k▼
Profit (loss) for the period before taxes9903€77k€60k▼
Income taxes67/77€12k€16k▲
Profit (loss) for the period9904€64k€44k▼
Profit (loss) for the period to be appropriated9905€64k€44k▼
Appropriation of the result
Profit (loss) to be appropriated9906€64k€44k▼
Transfer from equity791/2-€5k
Transfer to equity691/2€12k€0▼
To other reserves6921€12k€0▼
Profit to be distributed694/7€53k€49k▼
Directors or managers695€53k€49k▼
Social balance
Average headcount (FTE)90875.85.6▼
The notes to these accounts (16 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
03-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 27 days late
2024
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 92 days late
2023
31-12
Financial
Highest result since 2022net €103k ▲1221%
Operating result €150k, net result €103k, both a record.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
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, Puurs-Sint-Amands · 4 establishment units since 2021
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.
Begijnhofstraat 362870 Puurs-Sint-AmandsGround area
2,013 m²
Building footprint
935 m²
Volume, LiDAR
9,028 m³
4 parcels, Flanders · tallest building 17.8 m, ±4 floors. Linked by address, not a title deed.
4 establishment units
SEKUUR!
since 20212.324.017.060
SEKUUR!
since 20212.324.017.159
SEKUUR!
since 20212.324.017.258
SEKUUR!
since 20212.324.017.357
4 parcels
Flanders
4
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11005B0082/00F007 | Flanders | 938 m² | 1 · 332 m² | 17.8 m · 4 fl. |
| 12030B0161/00E000 | Flanders | 611 m² | 1 · 228 m² | 12.5 m · 3 fl. |
| 12009E0243/00M002 | Flanders | 304 m² | 1 · 232 m² | 15.1 m · 4 fl. |
| 12342C0335/00N000 | Flanders | 160 m² | 1 · 143 m² | 10.2 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 3
4 of 4 parcels 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 to 2025 · 2 entries · 1,545 EUR awarded · 1,545 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 420 EUR | 420 EUR |
| 2022 | 1 | 1,125 EUR | 1,125 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 4,683 companies in sector 66220 we hold annual accounts for 3,228. 2,406 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
Founded15-10-2021
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:kevin.van.oorschot@dvv.be