Tack Finance 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 €23k and a net result of €115k. Equity is growing by ~31.5% per year across the filed fiscal years. Its solvency ranks better than 20% of 8018 sector peers (fiscal year 2025). The company has been active since 2018 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 20% of 8018 sector peers (2025).
NBB · sector comparisonPosition among 8018 sector peers
Solvency
better than 20%
← 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 30-06-2026, 31 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
31 d early
2024
8 d early
2023
26 d early
2022
39 d early
2021
51 d early
2020
53 d early
2019
51 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€23k▼ 95.5%
2024 · €502k
2019: €69k
2020: €121k
2021: €177k
2022: €241k
2023: €290k
2024: €502k
2019 → 2025
Net result
€115k▼ 45.9%
2024 · €213k
2019: €50k
2020: €53k
2021: €56k
2022: €63k
2023: €169k
2024: €213k
2019 → 2025
Total assets
€150k▼ 72.1%
2024 · €536k
2019: €99k
2020: €148k
2021: €196k
2022: €260k
2023: €385k
2024: €536k
2019 → 2025
Solvency
15.0%▼ 78.6pp
2024 · 93.7%
2019: 69.9%
2020: 81.8%
2021: 90.3%
2022: 92.5%
2023: 75.2%
2024: 93.7%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€177k-€241k▲ 35.8%€290k▲ 20.3%€502k▲ 73.4%€23k▼ 95.5%
Operating result€71k-€81k▲ 13.4%€219k▲ 172%€134k▼ 38.8%€131k▼ 2.1%
Net result€56k-€63k▲ 13.4%€169k▲ 166%€213k▲ 25.9%€115k▼ 45.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 2% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €150k
Fixed assets
€10k▲ 9,888%
Current assets
€140k▼ 73.9%
Equity and liabilities €150k
Equity
€23k▼ 95.5%
Debt
€127k▲ 276%
The debt ratio rises from 6.3% to 85.0%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
15.0%▼
2024 · 93.7%
ROE
510.9%▲
2024 · 42.3%
ROA
76.9%▲
2024 · 39.7%
Debt
€127k▲
2024 · €34k
Debt ≤ 1 year
€127k▲
2024 · €31k
Income taxes
€33k▲
2024 · €32k
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€536k€150k▼
Fixed assets21/28€100€10k▲
Tangible fixed assets22/27€0€10k▲
Furniture and vehicles24€0€10k▲
Financial fixed assets28€100€100=
Current assets29/58€536k€140k▼
Amounts receivable within one year40/41€6k€12k▲
Other amounts receivable41€6k€12k▲
Current investments50/53€475k€80k▼
Cash at bank and in hand54/58€55k€48k▼
Equity and liabilities
Total equity and liabilities10/49€536k€150k▼
Equity10/15€502k€23k▼
Contributions10/11€19k€19k=
Reserves13€484k€4k▼
Distributable reserves133€484k€4k▼
Amounts payable17/49€34k€127k▲
Amounts payable after more than one year17€3k-
Financial debts170/4€3k-
Amounts payable within one year42/48€31k€127k▲
Current portion of amounts payable after more than one year42€3k€3k▲
Trade debts44-€370
Suppliers440/4-€370
Taxes, remuneration and social security45€27k€6k▼
Taxes450/3€24k€3k▼
Remuneration and social security454/9€2k€2k=
Other amounts payable47/48€918€118k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€669€1k▲
Other operating charges640/8€577€593▲
Gross operating margin9900€135k€133k▼
Operating profit (loss)9901€134k€131k▼
Financial income75/76B€111k€18k▼
Recurring financial income75€10k€18k▲
Non-recurring financial income76B€101k-
Financial charges65/66B€518€473▼
Recurring financial charges65€518€473▼
Profit (loss) for the period before taxes9903€244k€148k▼
Income taxes67/77€32k€33k▲
Profit (loss) for the period9904€213k€115k▼
Profit (loss) for the period to be appropriated9905€213k€115k▼
Appropriation of the result
Profit (loss) to be appropriated9906€213k€115k▼
Transfer from equity791/2-€480k
Transfer to equity691/2€213k€163▼
To other reserves6921€213k€163▼
Profit to be distributed694/7-€595k
Return on contributions (dividend)694-€595k
The notes to these accounts (9 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 · micro schema
2025
23-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2019net €213k ▲25.9%
Net result €213k, the highest in the series.
31-12
Financial
Liquidity quadruplescurrent ratio 17.51
Current ratio from 4.30 to 17.51; short-term debt falls from €89k to €31k.
31-12
Financial
Equity above €500kEq €502k ▲73.4%
6 profitable years in a row build equity to €502k.
05-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
22-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €200kEq €241k ▲35.8%
4 profitable years in a row build equity to €241k.
10-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity triplescurrent ratio 28.85
Current ratio from 11.00 to 28.85; short-term debt falls from €12k to €7k.
31-12
Financial
Equity above €150kEq €177k ▲46.1%
3 profitable years in a row build equity to €177k.
08-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Equity above €100kEq €121k ▲76.2%
2 profitable years in a row build equity to €121k.
10-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro 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, Kortrijk · 1 establishment unit since 2018
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.
Magerstraat(Heu) 208501 KortrijkGround area
1,235 m²
Building footprint
244 m²
Volume, LiDAR
1,205 m³
Parcel 34016B0434/00W000, Flanders · tallest building 9.7 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Tack Finance
since 20182.277.093.707
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34016B0434/00W000 | Flanders | 1,235 m² | 1 · 244 m² | 9.7 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 24,728 companies in sector 64210 we hold annual accounts for 19,762. 7,830 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-06-2018
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.