The HAN 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 €257 and a net result of €-7k. Its solvency ranks better than 9% of 8018 sector peers (fiscal year 2025). The company has been active since 2024 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 9% of 8018 sector peers (2025).
NBB · sector comparisonPosition among 8018 sector peers
Solvency
better than 9%
← weakest
strongest →
raises risk · Young company
Founded in 2024, under 3 years, statistically higher risk.
KBO · incorporation dateAge against the risk zone
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 29-07-2026, 2 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
2 d early
← before the deadline
after the deadline →
Financials · fiscal year 2025, micro schema
Equity
€257
Net result
€-7k
Total assets
€54k
Solvency
0.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €54k
Fixed assets
€20k
Current assets
€34k
Equity and liabilities €54k
Equity
€257
Debt
€54k
Debt finances 99.5% of the balance-sheet total.
Key figures and ratios
Solvency
0.5%
ROA
-13.4%
Debt
€54k
Debt ≤ 1 year
€54k
Income taxes
€215
Equity ratios withheld: equity of €257 is too small for a meaningful ratio.
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€54k
Fixed assets21/28€20k
Tangible fixed assets22/27€18k
Plant, machinery and equipment23€1k
Furniture and vehicles24€17k
Financial fixed assets28€2k
Current assets29/58€34k
Amounts receivable within one year40/41€22k
Trade receivables40€12k
Other amounts receivable41€10k
Cash at bank and in hand54/58€12k
Deferred charges and accrued income490/1€293
Equity and liabilities
Total equity and liabilities10/49€54k
Equity10/15€257
Contributions10/11€8k
Profit (loss) carried forward14€-7k
Amounts payable17/49€54k
Amounts payable within one year42/48€54k
Trade debts44€5k
Suppliers440/4€5k
Taxes, remuneration and social security45€9k
Taxes450/3€6k
Remuneration and social security454/9€3k
Other amounts payable47/48€39k
Income statement
Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k
Other operating charges640/8€393
Gross operating margin9900€1k
Operating profit (loss)9901€-7k
Financial charges65/66B€447
Recurring financial charges65€447
Profit (loss) for the period before taxes9903€-7k
Income taxes67/77€215
Profit (loss) for the period9904€-7k
Profit (loss) for the period to be appropriated9905€-7k
Appropriation of the result
Profit (loss) to be appropriated9906€-7k
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
29-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
NBB filing
Directors · office · real estate
Directors
1 act for this company is 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, Oupeye · 1 establishment unit since 2024
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.
Rue de Liège 1064684 OupeyeGround area
276 m²
Parcel 62048B0929/00P000, Wallonia. Linked by address, not a title deed.
1 establishment unit
The HAN
since 20242.362.820.624
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62048B0929/00P000 | Wallonia | 276 m² | - | - |
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.
Similar companies · same sector, comparable size
ORTSAC
BE 1005.820.516
Waasmunster · Eq €249
Achilles Ventures
BE 0774.917.558
Mechelen · Eq €273
CALP
BE 1003.858.047
Begijnendijk · Eq €284
EOWYN
BE 0553.504.566
Huldenberg · Eq €233
THINKZ SRL
BE 1009.296.381
Arlon · Eq €296
Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 305 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-06-2024
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70100Activities of head offices
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.