SPOODY
ActiveSPOODY 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 €218k and a net result of €15k. Equity is shrinking by ~2.8% per year across the filed fiscal years. Its solvency ranks better than 37% of 5491 sector peers (fiscal year 2025). The company has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals.
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 30-06-2026, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 d early
2024
6 d early
2023
30 d early
2022
33 d early
2021
5 d early
2020
5 d early
2019
32 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€218k▼ 3.4%
2024 · €226k
2018: €253k
2019: €260k
2020: €265k
2021: €246k
2022: €242k
2023: €221k
2024: €226k
2018 → 2025
Net result
€15k▲ 134%
2024 · €6k
2018: €11k
2019: €8k
2020: €7k
2021: €-17k
2022: €-2k
2023: €2k
2024: €6k
2018 → 2025
Total assets
€579k▼ 4.0%
2024 · €603k
2018: €712k
2019: €700k
2020: €679k
2021: €673k
2022: €652k
2023: €628k
2024: €603k
2018 → 2025
Solvency
37.7%▲ 0.2pp
2024 · 37.5%
2018: 35.6%
2019: 37.1%
2020: 39.0%
2021: 36.6%
2022: 37.2%
2023: 35.2%
2024: 37.5%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€246k-€242k▼ 1.5%€221k▼ 8.7%€226k▲ 2.2%€218k▼ 3.4%
Operating result€-8k-€5k€10k▲ 90.1%€21k▲ 100%€32k▲ 55.3%
Net result€-17k-€-2k▲ 87.0%€2k€6k▲ 299%€15k▲ 134%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 55% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €579k
Fixed assets
€571k▼ 3.6%
Current assets
€8k▼ 22.5%
Equity and liabilities €579k
Equity
€218k▼ 3.4%
Provisions
€21k▼ 4.7%
Debt
€340k▼ 4.3%
The debt ratio falls from 58.9% to 58.7%: debt falls faster than equity shrinks.
Key figures and ratios
Solvency
37.7%▲
2024 · 37.5%
ROE
6.9%▲
2024 · 2.8%
ROA
2.6%▲
2024 · 1.1%
Debt
€340k▼
2024 · €355k
Debt ≤ 1 year
€182k▼
2024 · €183k
Debt > 1 year
€133k▼
2024 · €150k
Income taxes
€9k▲
2024 · €5k
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€603k€579k▼
Fixed assets21/28€593k€571k▼
Tangible fixed assets22/27€593k€571k▼
Land and buildings22€590k€569k▼
Furniture and vehicles24€2k€2k▼
Current assets29/58€10k€8k▼
Amounts receivable within one year40/41€1k€0▼
Other amounts receivable41€1k€0▼
Cash at bank and in hand54/58€8k€7k▼
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€603k€579k▼
Equity10/15€226k€218k▼
Contributions10/11€19k€19k=
Reserves13€187k€181k▼
Tax-exempt reserves132€88k€84k▼
Distributable reserves133€99k€97k▼
Profit (loss) carried forward14€20k€19k▼
Provisions and deferred taxes16€22k€21k▼
Deferred taxes168€22k€21k▼
Amounts payable17/49€355k€340k▼
Amounts payable after more than one year17€150k€133k▼
Financial debts170/4€150k€133k▼
Amounts payable within one year42/48€183k€182k▼
Current portion of amounts payable after more than one year42€16k€16k▲
Financial debts43€0-
Credit institutions430/8€0-
Trade debts44€43€0▼
Suppliers440/4€43€0▼
Taxes, remuneration and social security45€4k€7k▲
Taxes450/3€4k€7k▲
Other amounts payable47/48€163k€159k▼
Accrued charges and deferred income492/3€22k€24k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€22k=
Other operating charges640/8€2k€3k▲
Gross operating margin9900€45k€57k▲
Operating profit (loss)9901€21k€32k▲
Financial charges65/66B€10k€10k▼
Recurring financial charges65€10k€10k▼
Profit (loss) for the period before taxes9903€11k€23k▲
Transfer from deferred taxes780€1k€1k=
Income taxes67/77€5k€9k▲
Profit (loss) for the period9904€6k€15k▲
Transfer from tax-exempt reserves789€4k€4k=
Profit (loss) for the period to be appropriated9905€11k€19k▲
Appropriation of the result
Profit (loss) to be appropriated9906€32k€39k▲
Profit (loss) brought forward from the previous period14P€22k€20k▼
Transfer from equity791/2€0€22k▲
Transfer to equity691/2€11k€19k▲
To other reserves6921€11k€19k▲
Profit to be distributed694/7€2k€23k▲
Return on contributions (dividend)694€2k€23k▲
The notes to these accounts (14 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
30-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Highest result since 2018net €15k ▲134%
Operating result €32k, net result €15k, both a record.
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Back to profitnet €2k
Net result €2k after 2 loss-making years.
28-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
26-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Weakest financial yearnet €-17k ▼354%
Net result drops to €-17k, the lowest in the series; recovery starts the following year.
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
29-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
03-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
17-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
27-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Jabbeke · 1 establishment unit since 2002
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.
Grote Thems 708490 JabbekeGround area
1,749 m²
Building footprint
222 m²
Volume, LiDAR
1,228 m³
Parcel 31442C0627/00B000, Flanders · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Grote Thems 70, 8490 Jabbeke
since 20022.095.741.220
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31442C0627/00B000 | Flanders | 1,749 m² | 1 · 222 m² | 9.2 m · 2 fl. |
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.
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Of 24,640 companies in sector 64210 we hold annual accounts for 19,693. 13,501 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-12-2001
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.