STRAVIGES 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 €745k and a net result of €139k. Equity is growing by ~9.6% per year across the filed fiscal years. Its solvency ranks better than 77% of 8013 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
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
on the day
2023
24 d late
2022
56 d early
2021
46 d early
2020
31 d late
2019
31 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€745k▲ 22.9%
2024 · €606k
2018: €290k
2019: €328k
2020: €369k
2021: €410k
2022: €452k
2023: €493k
2024: €606k
2018 → 2025
Net result
€139k▲ 1.0%
2024 · €138k
2018: €36k
2019: €38k
2020: €41k
2021: €141k
2022: €149k
2023: €168k
2024: €138k
2018 → 2025
Total assets
€934k▲ 10.7%
2024 · €844k
2018: €991k
2019: €951k
2020: €700k
2021: €713k
2022: €693k
2023: €862k
2024: €844k
2018 → 2025
Solvency
79.8%▲ 7.9pp
2024 · 71.9%
2018: 29.3%
2019: 34.5%
2020: 52.7%
2021: 57.6%
2022: 65.2%
2023: 57.2%
2024: 71.9%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€410k-€452k▲ 10.1%€493k▲ 9.2%€606k▲ 22.9%€745k▲ 22.9%
Operating result€219k-€223k▲ 1.7%€249k▲ 11.8%€208k▼ 16.3%€205k▼ 1.6%
Net result€141k-€149k▲ 5.7%€168k▲ 12.3%€138k▼ 18.0%€139k▲ 1.0%
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 2% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €934k
Fixed assets
€662k▼ 3.4%
Current assets
€272k▲ 71.9%
Equity and liabilities €934k
Equity
€745k▲ 22.9%
Debt
€189k▼ 20.5%
The debt ratio falls from 28.1% to 20.2%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
79.8%▲
2024 · 71.9%
ROE
18.6%▼
2024 · 22.7%
ROA
14.9%▼
2024 · 16.3%
Debt
€189k▼
2024 · €237k
Debt ≤ 1 year
€139k▼
2024 · €166k
Debt > 1 year
€50k▼
2024 · €71k
Income taxes
€71k▲
2024 · €66k
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€844k€934k▲
Fixed assets21/28€685k€662k▼
Tangible fixed assets22/27€100k€77k▼
Furniture and vehicles24€96k€73k▼
Other tangible fixed assets26€4k€4k▼
Financial fixed assets28€585k€585k=
Current assets29/58€158k€272k▲
Amounts receivable within one year40/41€150k€256k▲
Trade receivables40€69k€65k▼
Other amounts receivable41€82k€192k▲
Cash at bank and in hand54/58€5k€13k▲
Deferred charges and accrued income490/1€3k€3k▼
Equity and liabilities
Total equity and liabilities10/49€844k€934k▲
Equity10/15€606k€745k▲
Contributions10/11€5k€5k=
Reserves13€596k€735k▲
Distributable reserves133€596k€735k▲
Profit (loss) carried forward14€5k€5k=
Amounts payable17/49€237k€189k▼
Amounts payable after more than one year17€71k€50k▼
Financial debts170/4€71k€50k▼
Amounts payable within one year42/48€166k€139k▼
Current portion of amounts payable after more than one year42€20k€21k▲
Financial debts43€36k€15k▼
Credit institutions430/8€36k€15k▼
Trade debts44€768€1k▲
Suppliers440/4€768€1k▲
Taxes, remuneration and social security45€53k€53k▼
Taxes450/3€53k€48k▼
Remuneration and social security454/9-€5k
Other amounts payable47/48€56k€48k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€23k▲
Other operating charges640/8€680€1k▲
Gross operating margin9900€227k€229k▲
Operating profit (loss)9901€208k€205k▼
Financial income75/76B€2k€11k▲
Recurring financial income75€2k€11k▲
Financial charges65/66B€7k€6k▼
Recurring financial charges65€7k€6k▼
Profit (loss) for the period before taxes9903€203k€210k▲
Income taxes67/77€66k€71k▲
Profit (loss) for the period9904€138k€139k▲
Profit (loss) for the period to be appropriated9905€138k€139k▲
Appropriation of the result
Profit (loss) to be appropriated9906€155k€144k▼
Profit (loss) brought forward from the previous period14P€18k€5k▼
Transfer to equity691/2€138k€139k▲
To other reserves6921€138k€139k▲
Profit to be distributed694/7€12k€0▼
Return on contributions (dividend)694€12k€0▼
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Liquidity doublescurrent ratio 1.96
Current ratio from 0.95 to 1.96; short-term debt falls from €166k to €139k.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €500kEq €606k ▲22.9%
7 profitable years in a row build equity to €606k.
24-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 24 days late
2023
31-12
Financial
Highest result since 2018net €168k ▲12.3%
Operating result €249k, net result €168k, both a record.
05-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
15-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 31 days late
2019
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 26 days late
2018
30-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 30 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 31 days late
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, Sint-Lambrechts-Woluwe · 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.
Arianelaan 311200 Sint-Lambrechts-WoluweGround area
1.1 ha
Building footprint
4,208 m²
Volume, LiDAR
35,086 m³
2 parcels, Brussels · tallest building 20.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
STRAVIGES SA
since 20152.248.886.897
2 parcels
Brussels
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21018A0007/00D003 | Brussels | 1.0 ha | 1 · 4,009 m² | 20.0 m · 3 fl. |
| 21372C0076/00S003 | Brussels | 489 m² | 1 · 199 m² | 14.2 m · 2 fl. |
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.
Similar companies · same sector, comparable size
SDM
BE 0833.271.669
Oud-Heverlee · Eq €746k
BERT KENIS
BE 0891.557.286
Balen · Eq €746k
ANTONY
BE 0432.884.373
Deerlijk · Eq €746k
DIONYSS
BE 0830.228.740
Kruisem · Eq €745k
MLF CONSULT
BE 0890.298.761
Pepinster · Eq €746k
Of 24,728 companies in sector 64210 we hold annual accounts for 19,760. 13,246 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-12-2015
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
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.