Summary
THESAURIA 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 €19k and a net result of €-8. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 26% of 1475 sector peers (fiscal year 2025). The company has been active since 1997 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
1 signal. 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
43 d late
2023
48 d early
2022
57 d late
2021
123 d late
2020
5 d early
2019
44 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€19k=
2024 · €19k
2018: €2k
2019: €-3k
2020: €-87k
2021: €-253k
2022: €-161k
2023: €7k
2024: €19k
2018 → 2025
Net result
€-8
2024 · €12k
2018: €927
2019: €-6k
2020: €-84k
2021: €-165k
2022: €92k
2023: €168k
2024: €12k
2018 → 2025
Total assets
€111k▼ 8.1%
2024 · €120k
2018: €440k
2019: €459k
2020: €440k
2021: €334k
2022: €225k
2023: €149k
2024: €120k
2018 → 2025
Solvency
17.2%▲ 1.4pp
2024 · 15.9%
2018: 0.5%
2019: -0.7%
2020: -19.9%
2021: -75.6%
2022: -71.3%
2023: 4.8%
2024: 15.9%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€580k-€579k▼ 0.2%€557k▼ 3.8%
Equity€-253k-€-161k▲ 36.4%€7k€19k▲ 166%€19k=
Operating result€-153k-€102k€173k▲ 70.8%€12k▼ 93.0%€644▼ 94.7%
Net result€-165k-€92k€168k▲ 82.7%€12k▼ 92.9%€-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 has fallen two years in a row; 2025 is 95% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €111k
Fixed assets
€3k ▼ 25.2%
Current assets
€108k ▼ 7.6%
Equity and liabilities €111k
Equity
€19k =
Debt
€91k ▼ 9.6%
Debt's share of the balance-sheet total falls from 84.1% to 82.8%. Debt is lower.
Key figures and ratios
ROE
0.0%▼
2024 · 62.4%
ROA
0.0%▼
2024 · 9.9%
Debt ≤ 1 year
€29k▲
2024 · €28k
Debt > 1 year
€62k▼
2024 · €74k
Income taxes
€498▼
2024 · €1k
Staff costs
€52k▼
2024 · €60k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 51 lines
Balance sheet
Code20242025
Assets
Total assets20/58€120k€111k▼
Fixed assets21/28€4k€3k▼
Tangible fixed assets22/27€4k€3k▼
Land and buildings22€1k€1k▼
Plant, machinery and equipment23€2k€2k▼
Current assets29/58€117k€108k▼
Amounts receivable within one year40/41€107k€102k▼
Trade receivables40€17k€12k▼
Other amounts receivable41€90k€90k▲
Cash at bank and in hand54/58€9k€15▼
Deferred charges and accrued income490/1-€5k
Equity and liabilities
Total equity and liabilities10/49€120k€111k▼
Equity10/15€19k€19k=
Contributions10/11€19k€19k=
Capital10€19k-
Issued capital100€19k-
Reserves13€252k€463▼
Non-distributable reserves130/1€2k-
Legal reserve130€2k-
Distributable reserves133€250k€463▼
Profit (loss) carried forward14€-251k-
Amounts payable17/49€101k€91k▼
Amounts payable after more than one year17€74k€62k▼
Financial debts170/4€74k€62k▼
Amounts payable within one year42/48€28k€29k▲
Current portion of amounts payable after more than one year42-€11k
Financial debts43€11k-
Credit institutions430/8€11k-
Trade debts44€10k€5k▼
Suppliers440/4€10k€5k▼
Taxes, remuneration and social security45€7k€13k▲
Taxes450/3€382€2k▲
Remuneration and social security454/9€6k€11k▲
Income statement
Code20242025
Remuneration, social security and pensions62€60k€52k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€903▼
Other operating charges640/8€544€860▲
Non-recurring operating charges66A-€1k
Gross operating margin9900€82k€55k▼
Operating profit (loss)9901€12k€644▼
Financial income75/76B€5k€5k▼
Recurring financial income75€5k€5k▼
Financial charges65/66B€4k€5k▲
Recurring financial charges65€4k€5k▲
Profit (loss) for the period before taxes9903€13k€490▼
Income taxes67/77€1k€498▼
Profit (loss) for the period9904€12k€-8▼
Profit (loss) for the period to be appropriated9905€12k€-8▼
Appropriation of the result
Profit (loss) to be appropriated9906€-251k€-251k=
Profit (loss) brought forward from the previous period14P€-263k€-251k▲
Transfer from equity791/2-€251k
Social balance
Average headcount (FTE)9087-1.0
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 · abbreviated schema · 31 days late
2025
12-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 43 days late
2024
13-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €168k ▲82.7%
Operating result €173k, net result €168k, both a record.
31-12
Financial
Liquidity times 71current ratio 3.00
Current ratio from 0.04 to 3.00; short-term debt falls from €94k to €46k.
26-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 57 days late
2022
31-12
Financial
Back to profitnet €92k
Net result €92k after 3 loss-making years.
01-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 123 days late
2021
31-12
Financial
Weakest financial yearnet €-165k
Net result drops to €-165k, the lowest in the series; recovery starts the following year.
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
17-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
05-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
10-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
05-05
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Oostende · 1 establishment unit since 1997
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.
Jozef II-straat 498400 OostendeGround area
1,266 m²
Building footprint
1,266 m²
Volume, LiDAR
18,615 m³
2 parcels, Flanders · tallest building 23.8 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
THESAURIA
since 19972.084.543.559
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35013A1375/00B000 | Flanders | 832 m² | 1 · 832 m² | 23.8 m · 6 fl. |
| 35013A1652/00V028 | Flanders | 433 m² | 1 · 433 m² | 23.1 m · 7 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.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 50 EUR awarded · 50 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 50 EUR | 50 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
JANVIER-ANCIAUX & ASSOCIES
BE 0508.776.282
Blégny · Eq €19,042
Insur-Pro-Invest
BE 0791.791.501
Oudergem · Eq €19,105
JORSSEN ET ASSOCIES
BE 0628.617.210
Ohey · Eq €18,990
S.C.B. CREDITS & SERVICES
BE 0738.965.893
Mons · Eq €18,984
DDM ASSURANCES
BE 0713.752.427
Colfontaine · Eq €18,980
Of 4,683 companies in sector 66220 we hold annual accounts for 3,228. 1,472 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-10-1997
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
64999Other financial services
68322Real estate appraisal on a fee or contract basis
Sources
Crossroads Bank for EnterprisesNational Bank · 28 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.