SERGIO BEHEER
ActiveSERGIO BEHEER 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 €2.86M and a net result of €49k. Equity remains stable across the filed fiscal years (±0.4% per year). Its solvency ranks better than 85% of 6143 sector peers (fiscal year 2024). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Two signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 07-10-2025, 68 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 · 6 filingsDeviation from the deadline
2025
not confirmed
2024
68 d late
2023
29 d late
2022
3 d early
2021
60 d late
2020
31 d late
2020
184 d early
← before the deadline
after the deadline →
Financials · fiscal year 2024, abbreviated schema
Equity
€2.86M▲ 1.7%
2023 · €2.81M
2020: €2.82M
2021: €2.83M
2022: €2.78M
2023: €2.81M
2020 → 2024
Net result
€49k▲ 43.6%
2023 · €34k
2020: €-18k
2021: €17k
2022: €-57k
2023: €34k
2020 → 2024
Total assets
€3.18M▲ 3.1%
2023 · €3.08M
2020: €2.88M
2021: €3.06M
2022: €3.03M
2023: €3.08M
2020 → 2024
Solvency
90.0%▼ 1.2pp
2023 · 91.1%
2020: 97.7%
2021: 92.5%
2022: 91.7%
2023: 91.1%
2020 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€2.82M-€2.83M▲ 0.6%€2.78M▼ 2.0%€2.81M▲ 1.2%€2.86M▲ 1.7%
Operating result€30k-€-56k€-15k▲ 73.2%€-20k▼ 36.1%€-25k▼ 24.7%
Net result€-18k-€17k€-57k€34k€49k▲ 43.6%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €25k in 2024 against €20k in 2023; the loss grows.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €3.18M
Fixed assets
€586k▲ 4.5%
Current assets
€2.59M▲ 2.7%
Equity and liabilities €3.18M
Equity
€2.86M▲ 1.7%
Debt
€319k▲ 16.5%
The debt ratio rises from 8.9% to 10.0%: debt grows faster than equity.
Key figures and ratios
Solvency
90.0%▼
2023 · 91.1%
ROE
1.7%▲
2023 · 1.2%
ROA
1.5%▲
2023 · 1.1%
Debt
€319k▲
2023 · €274k
Debt ≤ 1 year
€310k▲
2023 · €268k
Income taxes
€59k▲
2023 · €30k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€3.08M€3.18M▲
Fixed assets21/28€561k€586k▲
Tangible fixed assets22/27€229k€254k▲
Furniture and vehicles24€229k€254k▲
Financial fixed assets28€332k€332k=
Current assets29/58€2.52M€2.59M▲
Amounts receivable after more than one year29€680k€438k▼
Other amounts receivable291€680k€438k▼
Amounts receivable within one year40/41€961k€1.31M▲
Trade receivables40€18k€17k▼
Other amounts receivable41€943k€1.29M▲
Current investments50/53€795k€661k▼
Cash at bank and in hand54/58€69k€145k▲
Deferred charges and accrued income490/1€18k€42k▲
Equity and liabilities
Total equity and liabilities10/49€3.08M€3.18M▲
Equity10/15€2.81M€2.86M▲
Contributions10/11€137k€137k=
Reserves13€2.67M€2.72M▲
Distributable reserves133€2.67M€2.72M▲
Amounts payable17/49€274k€319k▲
Amounts payable within one year42/48€268k€310k▲
Trade debts44€12k€10k▼
Suppliers440/4€12k€10k▼
Taxes, remuneration and social security45€44k€89k▲
Taxes450/3€44k€89k▲
Other amounts payable47/48€212k€211k▼
Accrued charges and deferred income492/3€6k€9k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€1k▼
Other operating charges640/8€461€4k▲
Gross operating margin9900€-18k€-20k▼
Operating profit (loss)9901€-20k€-25k▼
Financial income75/76B€121k€235k▲
Recurring financial income75€121k€235k▲
Financial charges65/66B€37k€101k▲
Recurring financial charges65€37k€101k▲
Profit (loss) for the period before taxes9903€64k€109k▲
Income taxes67/77€30k€59k▲
Profit (loss) for the period9904€34k€49k▲
Profit (loss) for the period to be appropriated9905€34k€49k▲
Appropriation of the result
Profit (loss) to be appropriated9906€34k€49k▲
Transfer from equity791/2€0-
Transfer to equity691/2€34k€49k▲
To other reserves6921€34k€49k▲
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
2025
07-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 68 days late
2024
31-12
Financial
Highest result since 2020net €49k ▲43.6%
Net result €49k, the highest in the series.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 29 days late
2023
31-12
Financial
Back to profitnet €34k
Net result €34k after one loss-making year.
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Weakest financial yearnet €-57k ▼434%
Net result drops to €-57k, the lowest in the series; recovery starts the following year.
29-09
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 60 days late
2021
31-12
Financial
Back to profitnet €17k
Net result €17k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
14-01
NBB filing
Annual accounts filed
fiscal year 2020 · unclassified schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Antwerpen · 1 establishment unit since 2020
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.
Verlatstraat 362000 AntwerpenGround area
1,301 m²
Building footprint
558 m²
Volume, LiDAR
880 m³
2 parcels, Flanders · tallest building 9.9 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
SERGIO BEHEER
since 20202.313.676.563
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31039E0126/00D000 | Flanders | 975 m² | 1 · 232 m² | 9.9 m · 1 fl. |
| 11811L3661/00H002 | Flanders | 326 m² | 1 · 326 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Structure & network
Connections & network
1 connected companyNetwork connections
Shared address
→
Recognitions · licences · registrations
Legal Entity Identifier
724500OT4PNTF4SCUY57
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Of 24,726 companies in sector 64210 we hold annual accounts for 19,748. 9,833 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-12-2020
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.