TERTIUM 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 €78k and a net result of €24k. Equity is growing by ~24.7% per year across the filed fiscal years. Its solvency ranks better than 27% of 7980 sector peers (fiscal year 2025). The company has been active since 1999 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 27-08-2026, 27 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
27 d late
2024
27 d late
2023
7 d early
2022
28 d late
2021
31 d late
2020
121 d late
2019
32 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€78k▲ 45.2%
2024 · €54k
2018: €31k
2019: €31k
2020: €11k
2021: €18k
2022: €25k
2023: €30k
2024: €54k
2018 → 2025
Net result
€24k▲ 1.8%
2024 · €24k
2018: €10k
2019: €226
2020: €-20k
2021: €7k
2022: €7k
2023: €5k
2024: €24k
2018 → 2025
Total assets
€346k▼ 4.3%
2024 · €361k
2018: €593k
2019: €533k
2020: €507k
2021: €456k
2022: €435k
2023: €375k
2024: €361k
2018 → 2025
Solvency
22.7%▲ 7.7pp
2024 · 15.0%
2018: 5.2%
2019: 5.9%
2020: 2.2%
2021: 3.9%
2022: 5.8%
2023: 8.0%
2024: 15.0%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€18k-€25k▲ 40.3%€30k▲ 19.8%€54k▲ 79.7%€78k▲ 45.2%
Operating result€29k-€36k▲ 23.6%€28k▼ 21.5%€53k▲ 88.6%€49k▼ 6.5%
Net result€7k-€7k▲ 9.5%€5k▼ 30.9%€24k▲ 381%€24k▲ 1.8%
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 falls in 2025; 2025 is 7% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €346k
Fixed assets
€310k▼ 3.5%
Current assets
€35k▼ 10.9%
Equity and liabilities €346k
Equity
€78k▲ 45.2%
Provisions
€22k▼ 8.3%
Debt
€246k▼ 13.4%
The debt ratio falls from 78.5% to 71.1%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
22.7%▲
2024 · 15.0%
ROE
31.1%▼
2024 · 44.4%
ROA
7.1%▲
2024 · 6.6%
Debt
€246k▼
2024 · €284k
Debt ≤ 1 year
€163k▲
2024 · €154k
Debt > 1 year
€81k▼
2024 · €127k
Income taxes
€11k▲
2024 · €11k
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€361k€346k▼
Fixed assets21/28€322k€310k▼
Tangible fixed assets22/27€321k€310k▼
Land and buildings22€321k€300k▼
Furniture and vehicles24-€10k
Financial fixed assets28€870€870=
Current assets29/58€40k€35k▼
Amounts receivable within one year40/41€39k€34k▼
Trade receivables40€16k€14k▼
Other amounts receivable41€23k€21k▼
Cash at bank and in hand54/58€160€157▼
Deferred charges and accrued income490/1€1k€1k▲
Equity and liabilities
Total equity and liabilities10/49€361k€346k▼
Equity10/15€54k€78k▲
Contributions10/11€63k€63k=
Reserves13€48k€44k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€46k€42k▼
Profit (loss) carried forward14€-57k€-29k▲
Provisions and deferred taxes16€24k€22k▼
Deferred taxes168€24k€22k▼
Amounts payable17/49€284k€246k▼
Amounts payable after more than one year17€127k€81k▼
Financial debts170/4€127k€81k▼
Amounts payable within one year42/48€154k€163k▲
Current portion of amounts payable after more than one year42€44k€46k▲
Financial debts43€25k€9k▼
Credit institutions430/8€25k€9k▼
Trade debts44€3k€3k▲
Suppliers440/4€3k€3k▲
Taxes, remuneration and social security45€19k€26k▲
Taxes450/3€19k€26k▲
Other amounts payable47/48€63k€79k▲
Accrued charges and deferred income492/3€3k€2k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23k€23k▲
Other operating charges640/8€2k€3k▲
Non-recurring operating charges66A€6k-
Gross operating margin9900€84k€75k▼
Operating profit (loss)9901€53k€49k▼
Financial income75/76B€965€993▲
Recurring financial income75€965€993▲
Financial charges65/66B€21k€17k▼
Recurring financial charges65€21k€17k▼
Profit (loss) for the period before taxes9903€33k€34k▲
Transfer from deferred taxes780€2k€2k=
Income taxes67/77€11k€11k▲
Profit (loss) for the period9904€24k€24k▲
Transfer from tax-exempt reserves789€4k€4k=
Profit (loss) for the period to be appropriated9905€28k€28k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-57k€-29k▲
Profit (loss) brought forward from the previous period14P€-85k€-57k▲
The notes to these accounts (11 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
31-12
Financial
Highest result since 2018net €24k ▲1.8%
Net result €24k, the highest in the series.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 27 days late
2024
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 28 days late
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 31 days late
2021
31-12
Financial
Back to profitnet €7k
Net result €7k after one loss-making year.
29-11
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 121 days late
2020
31-12
Financial
Weakest financial yearnet €-20k ▼8980%
Net result drops to €-20k, the lowest in the series; recovery starts the following year.
01-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 32 days late
2019
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 31 days late
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 29 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, Ukkel · 1 establishment unit since 1999
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.
Beeckmanstraat 1241180 UkkelGround area
140 m²
Building footprint
94 m²
Volume, LiDAR
960 m³
Parcel 21616A0183/00C062, Brussels · tallest building 14.8 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Beeckmanstraat 124, 1180 Ukkel
since 19992.092.192.307
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21616A0183/00C062 | Brussels | 140 m² | 1 · 94 m² | 14.8 m · 4 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 24,725 companies in sector 64210 we hold annual accounts for 19,754. 11,695 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-05-1999
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
74151
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.