SFTM
ActiveSFTM 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 €20k and a net result of €257k. Equity is shrinking by ~23.1% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2027. Its solvency ranks better than 12% of 7994 sector peers (fiscal year 2025). The company has been active since 2015 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
Four 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 12% of 7994 sector peers (2025).
NBB · sector comparisonPosition among 7994 sector peers
Solvency
better than 12%
← 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 10-07-2026, 21 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
21 d early
2024
9 d early
2023
27 d late
2022
30 d late
2021
2 d late
2020
17 d late
2019
90 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€20k▼ 59.5%
2024 · €51k
2018: €108k
2019: €132k
2020: €158k
2021: €69k
2022: €12k
2023: €41k
2024: €51k
2018 → 2025
Net result
€257k▲ 2,554%
2024 · €10k
2018: €45k
2019: €24k
2020: €26k
2021: €-88k
2022: €-8k
2023: €29k
2024: €10k
2018 → 2025
Total assets
€376k▲ 228%
2024 · €115k
2018: €128k
2019: €156k
2020: €213k
2021: €157k
2022: €110k
2023: €136k
2024: €115k
2018 → 2025
Solvency
5.4%▼ 38.6pp
2024 · 44.0%
2018: 84.6%
2019: 84.6%
2020: 74.1%
2021: 44.2%
2022: 11.1%
2023: 30.1%
2024: 44.0%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€69k-€12k▼ 82.4%€41k▲ 235%€51k▲ 23.7%€20k▼ 59.5%
Operating result€28k-€-7k€31k€13k▼ 56.5%€343k▲ 2,442%
Net result€-88k-€-8k▲ 90.7%€29k€10k▼ 66.2%€257k▲ 2,554%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 2,442% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €376k
Fixed assets
€142k▲ 262%
Current assets
€234k▲ 210%
Equity and liabilities €376k
Equity
€20k▼ 59.5%
Debt
€356k▲ 453%
The debt ratio rises from 56.0% to 94.6%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
5.4%▼
2024 · 44.0%
ROA
68.4%▲
2024 · 8.4%
Debt
€356k▲
2024 · €64k
Debt ≤ 1 year
€336k▲
2024 · €58k
Debt > 1 year
€20k▲
2024 · €4k
Income taxes
€85k▲
2024 · €346
A ratio outside any meaningful range has been withheld (balance sheet total €376k, equity €20k).
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€115k€376k▲
Fixed assets21/28€39k€142k▲
Tangible fixed assets22/27€39k€142k▲
Land and buildings22€36k€73k▲
Furniture and vehicles24€2k€11k▲
Other tangible fixed assets26€2k€58k▲
Current assets29/58€76k€234k▲
Amounts receivable within one year40/41€39k€89k▲
Trade receivables40€32k€61k▲
Other amounts receivable41€6k€28k▲
Cash at bank and in hand54/58€32k€141k▲
Deferred charges and accrued income490/1€5k€4k▼
Equity and liabilities
Total equity and liabilities10/49€115k€376k▲
Equity10/15€51k€20k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€30k€0▼
Amounts payable17/49€64k€356k▲
Amounts payable after more than one year17€4k€20k▲
Financial debts170/4€4k€20k▲
Amounts payable within one year42/48€58k€336k▲
Current portion of amounts payable after more than one year42€6k€11k▲
Trade debts44€6k€11k▲
Suppliers440/4€6k€11k▲
Taxes, remuneration and social security45€16k€26k▲
Taxes450/3€16k€26k▲
Other amounts payable47/48€30k€288k▲
Accrued charges and deferred income492/3€3k€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€21k▲
Other operating charges640/8€374€480▲
Gross operating margin9900€23k€364k▲
Operating profit (loss)9901€13k€343k▲
Financial income75/76B€6€849▲
Recurring financial income75€6€849▲
Financial charges65/66B€3k€978▼
Recurring financial charges65€3k€978▼
Profit (loss) for the period before taxes9903€10k€343k▲
Income taxes67/77€346€85k▲
Profit (loss) for the period9904€10k€257k▲
Profit (loss) for the period to be appropriated9905€10k€257k▲
Appropriation of the result
Profit (loss) to be appropriated9906€30k€287k▲
Profit (loss) brought forward from the previous period14P€20k€30k▲
Profit to be distributed694/7-€287k
Return on contributions (dividend)694-€287k
The notes to these accounts (10 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
10-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €257k ▲2554%
Operating result €343k, net result €257k, both a record.
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
31-12
Financial
Back to profitnet €29k
Net result €29k after 2 loss-making years.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
02-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 2 days late
2021
31-12
Financial
Weakest financial yearnet €-88k ▼446%
Net result drops to €-88k, the lowest in the series; recovery starts the following year.
17-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 17 days late
2020
31-12
Financial
Equity above €150kEq €158k ▲19.3%
3 profitable years in a row build equity to €158k.
29-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 90 days late
2019
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
2018
28-09
State Gazette act
General meeting · Director appointment
Permanent representative · Mandate compensation
02-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 2 days late
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 28 days late
Financial milestoneState Gazette actNBB 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, Verviers · 1 establishment unit since 2015
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.
Rue du Naimeux 224802 VerviersGround area
90 m²
Building footprint
108 m²
Parcel 63036A0322/00D002, Wallonia. Linked by address, not a title deed.
1 establishment unit
Rue du Naimeux 22, 4802 Verviers
since 20152.346.474.045
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63036A0322/00D002 | Wallonia | 90 m² | 1 · 108 m² | - |
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.
Structure & network
Connections & network
6 connected companiesNetwork connections
Shared director
→
Shared director
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Shared director
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Shared director
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Show 2 more network connections
Shared director
→
Shared director
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Ownership & control
1 partySFTMBE 0634.982.586
controls
Where this company holds controlthis company sits on their board1
2 locations
Recognitions · licences · registrations
Legal Entity Identifier
25490075Y8L8V8O89C19
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Of 24,727 companies in sector 64210 we hold annual accounts for 19,759. 7,469 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-08-2015
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
64300Financial service activities, except insurance and pension funding
64310Financial service activities, except insurance and pension funding
64921Financial service activities, except insurance and pension funding
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.