THINKZ SRL 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 €296 and a net result of €-3k. 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 · Young company
Founded in 2024, under 3 years, statistically higher risk.
KBO · incorporation dateAge against the risk zone
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-09-2026, 41 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 · 2 filingsDeviation from the deadline
2025
41 d late
2024
13 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€296▼ 91.4%
2024 · €3k
2024: €3k
2024 → 2025
Net result
€-3k▼ 23.9%
2024 · €-3k
2024: €-3k
2024 → 2025
Total assets
€81k▲ 0.3%
2024 · €81k
2024: €81k
2024 → 2025
Solvency
0.4%▼ 3.9pp
2024 · 4.3%
2024: 4.3%
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€3k-€296▼ 91.4%
Operating result€-3k-€-3k▼ 23.4%
Net result€-3k-€-3k▼ 23.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €3k in 2025 against €3k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €80k
Fixed assets
€76k=
Current assets
€5k▲ 20.4%
Equity and liabilities €81k
Equity
€296▼ 91.4%
Debt
€81k▲ 4.4%
The debt ratio rises from 95.7% to 99.6%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
0.4%▼
2024 · 4.3%
ROA
-3.9%▼
2024 · -3.2%
Debt
€81k▲
2024 · €77k
Debt ≤ 1 year
€81k▲
2024 · €77k
Equity ratios withheld: equity of €296 is too small for a meaningful ratio.
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€81k▲
Formation expenses20€1k€744▼
Fixed assets21/28€76k€76k=
Financial fixed assets28€76k€76k=
Current assets29/58€4k€5k▲
Current investments50/53€4k-
Cash at bank and in hand54/58-€5k
Equity and liabilities
Total equity and liabilities10/49€81k€81k▲
Equity10/15€3k€296▼
Contributions10/11€6k€6k=
Profit (loss) carried forward14€-3k€-6k▼
Amounts payable17/49€77k€81k▲
Amounts payable within one year42/48€77k€81k▲
Trade debts44€268€1k▲
Suppliers440/4€268€1k▲
Other amounts payable47/48€77k€80k▲
Income statement
Code20242025
Goods, raw materials, services and sundry goods60/61€4k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€356€550▲
Other operating charges640/8-€24
Gross operating margin9900€-2k€-3k▼
Operating profit (loss)9901€-3k€-3k▼
Financial charges65/66B€28€48▲
Recurring financial charges65€28€48▲
Profit (loss) for the period before taxes9903€-3k€-3k▼
Profit (loss) for the period9904€-3k€-3k▼
Profit (loss) for the period to be appropriated9905€-3k€-3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-3k€-6k▼
Profit (loss) brought forward from the previous period14P-€-3k
The notes to these accounts (2 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
10-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 41 days late
2025
13-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 13 days late
NBB filing
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 339 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-05-2024
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filings
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.