SIRU 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 €14k and a net result of €-12k. Equity remains stable across the filed fiscal years (±0.9% per year). Its solvency ranks better than 39% of 7980 sector peers (fiscal year 2025). The company has been active since 2006 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
Three signals. The signal on the left, the evidence on the right.
○neutral
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 14-07-2026, 17 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
17 d early
2024
111 d early
2023
131 d early
2022
151 d early
2021
143 d early
2020
120 d early
2019
52 d early
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€14k▼ 47.0%
2024 · €26k
2018: €25k
2019: €25k
2020: €25k
2021: €26k
2022: €26k
2023: €26k
2024: €26k
2018 → 2025
Net result
€-12k
2024 · €199
2018: €144
2019: €226
2020: €405
2021: €398
2022: €413
2023: €-133
2024: €199
2018 → 2025
Total assets
€37k▼ 23.3%
2024 · €49k
2018: €47k
2019: €47k
2020: €47k
2021: €48k
2022: €48k
2023: €49k
2024: €49k
2018 → 2025
Solvency
37.3%▼ 16.7pp
2024 · 54.0%
2018: 53.1%
2019: 53.5%
2020: 53.4%
2021: 54.1%
2022: 54.1%
2023: 53.5%
2024: 54.0%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€26k-€26k▲ 1.6%€26k▼ 0.5%€26k▲ 0.8%€14k▼ 47.0%
Operating result€639-€650▲ 1.7%€-39€313€-12k
Net result€398-€413▲ 3.8%€-133€199€-12k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €12k after €313 in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €37k
Fixed assets
€8k▼ 60.0%
Current assets
€29k▲ 4.3%
Equity and liabilities €37k
Equity
€14k▼ 47.0%
Debt
€23k▲ 4.5%
The debt ratio rises from 46.0% to 62.7%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
37.3%▼
2024 · 54.0%
ROE
-88.6%▼
2024 · 0.8%
ROA
-33.0%▼
2024 · 0.4%
Debt
€23k▲
2024 · €22k
Debt ≤ 1 year
€23k▲
2024 · €22k
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€49k€37k▼
Fixed assets21/28€21k€8k▼
Financial fixed assets28€21k€8k▼
Current assets29/58€28k€29k▲
Amounts receivable within one year40/41€4k€4k=
Trade receivables40€4k€4k=
Cash at bank and in hand54/58€24k€25k▲
Equity and liabilities
Total equity and liabilities10/49€49k€37k▼
Equity10/15€26k€14k▼
Contributions10/11€20k€20k=
Reserves13€2k€2k=
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€4k€-8k▼
Amounts payable17/49€22k€23k▲
Amounts payable within one year42/48€22k€23k▲
Trade debts44€1k€2k▲
Suppliers440/4€1k€2k▲
Taxes, remuneration and social security45€246€534▲
Taxes450/3€246€534▲
Other amounts payable47/48€21k€21k=
Income statement
Code20242025
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€13k
Other operating charges640/8-€787
Gross operating margin9900€313€1k▲
Operating profit (loss)9901€313€-12k▼
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€90€110▲
Recurring financial charges65€90€110▲
Profit (loss) for the period before taxes9903€223€-12k▼
Income taxes67/77€25-
Profit (loss) for the period9904€199€-12k▼
Profit (loss) for the period to be appropriated9905€199€-12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€4k€-8k▼
Profit (loss) brought forward from the previous period14P€4k€4k▲
The notes to these accounts (3 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
14-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-12k ▼6302%
Net result drops to €-12k, the lowest in the series.
11-04
NBB filing
Annual accounts filed
fiscal year 2024 · unclassified schema
2024
31-12
Financial
Back to profitnet €199
Net result €199 after one loss-making year.
22-03
NBB filing
Annual accounts filed
fiscal year 2023 · unclassified schema
2023
02-03
NBB filing
Annual accounts filed
fiscal year 2022 · unclassified schema
2022
31-12
Financial
Highest result since 2018net €413 ▲3.8%
Operating result €650, net result €413, both a record.
10-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
02-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
09-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
25-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
06-03
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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Of 24,726 companies in sector 64210 we hold annual accounts for 19,748. 6,117 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-07-2006
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
74151
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filings
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.