SV 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 €97k and a net result of €29k. Equity is growing by ~26% per year across the filed fiscal years. Its solvency ranks better than 83% of 7980 sector peers (fiscal year 2025). The company has been active since 2021 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 31-03-2025 was due by 31-10-2025 and was filed on 29-10-2025, 2 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
2 d early
2024
5 d early
2023
2 d early
2022
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close16-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€97k▲ 42.1%
2024 · €68k
2022: €46k
2023: €57k
2024: €68k
2022 → 2025
Net result
€29k▲ 168%
2024 · €11k
2022: €43k
2023: €11k
2024: €11k
2022 → 2025
Total assets
€113k▲ 39.8%
2024 · €81k
2022: €76k
2023: €93k
2024: €81k
2022 → 2025
Solvency
85.8%▲ 1.4pp
2024 · 84.4%
2022: 61.0%
2023: 61.4%
2024: 84.4%
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€46k-€57k▲ 24.1%€68k▲ 18.7%€97k▲ 42.1%
Operating result€60k-€16k▼ 72.6%€16k▼ 4.6%€41k▲ 160%
Net result€43k-€11k▼ 74.3%€11k▼ 3.8%€29k▲ 168%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 160% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €113k
Fixed assets
€7k▼ 72.2%
Current assets
€106k▲ 87.7%
Equity and liabilities €113k
Equity
€97k▲ 42.1%
Debt
€16k▲ 27.1%
The debt ratio falls from 15.6% to 14.2%. Equity and debt are higher.
Key figures and ratios
Solvency
85.8%▲
2024 · 84.4%
ROE
29.6%▲
2024 · 15.7%
ROA
25.4%▲
2024 · 13.3%
Debt
€16k▲
2024 · €13k
Debt ≤ 1 year
€16k▲
2024 · €13k
Income taxes
€12k▲
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€81k€113k▲
Fixed assets21/28€24k€7k▼
Tangible fixed assets22/27€22k€4k▼
Land and buildings22€6k-
Plant, machinery and equipment23€14k€3k▼
Furniture and vehicles24€2k€1k▼
Financial fixed assets28€2k€3k▲
Current assets29/58€56k€106k▲
Amounts receivable within one year40/41€20k€14k▼
Trade receivables40€17k€14k▼
Other amounts receivable41€3k-
Current investments50/53€24k€61k▲
Cash at bank and in hand54/58€11k€31k▲
Deferred charges and accrued income490/1€1k€620▼
Equity and liabilities
Total equity and liabilities10/49€81k€113k▲
Equity10/15€68k€97k▲
Contributions10/11€3k€3k=
Reserves13€65k€93k▲
Distributable reserves133€65k€93k▲
Profit (loss) carried forward14€117€117▲
Amounts payable17/49€13k€16k▲
Amounts payable within one year42/48€13k€16k▲
Trade debts44€304€911▲
Suppliers440/4€304€911▲
Taxes, remuneration and social security45€12k€14k▲
Taxes450/3€12k€14k▲
Other amounts payable47/48-€2k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€1k▼
Other operating charges640/8€1k€2k▲
Gross operating margin9900€19k€44k▲
Operating profit (loss)9901€16k€41k▲
Financial income75/76B€2€0▼
Recurring financial income75€2€0▼
Financial charges65/66B€53€55▲
Recurring financial charges65€53€55▲
Profit (loss) for the period before taxes9903€16k€41k▲
Income taxes67/77€5k€12k▲
Profit (loss) for the period9904€11k€29k▲
Profit (loss) for the period to be appropriated9905€11k€29k▲
Appropriation of the result
Profit (loss) to be appropriated9906€11k€29k▲
Profit (loss) brought forward from the previous period14P€113€117▲
Transfer to equity691/2€11k€29k▲
To other reserves6921€11k€29k▲
The notes to these accounts (8 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
2025
29-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
26-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Weakest financial yearnet €11k ▼3.8%
Net result drops to €11k, the lowest in the series; recovery starts the following year.
31-03
Financial
Liquidity doublescurrent ratio 4.49
Current ratio from 1.87 to 4.49; short-term debt falls from €36k to €13k.
2023
29-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2022
31-10
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated 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, Zoersel · 1 establishment unit since 2021
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.
Platanenlaan 622980 ZoerselGround area
1,091 m²
Building footprint
158 m²
Volume, LiDAR
734 m³
Parcel 11055A0062/00G008, Flanders · tallest building 7.8 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
SV
since 20212.319.562.285
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11055A0062/00G008 | Flanders | 1,091 m² | 1 · 158 m² | 7.8 m · 1 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 24,726 companies in sector 64210 we hold annual accounts for 19,748. 12,232 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-06-2021
Fiscal year end31-03
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
71111Activities of building architects
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:sofievinckier70@gmail.com
Phone:0496 16 15 45