Troyerco 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 €3.59M and a net result of €55k. Equity is growing by ~7.4% per year across the filed fiscal years. Its solvency ranks better than 67% of 8018 sector peers (fiscal year 2025). The company has been active since 2015 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
28 d late
2023
23 d late
2022
39 d early
2021
32 d early
2020
1 d early
2019
18 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
€3.59M▲ 1.5%
2024 · €3.54M
2018: €1.95M
2019: €2.12M
2020: €2.50M
2021: €3.61M
2022: €3.39M
2023: €3.48M
2024: €3.54M
2018 → 2025
Net result
€55k▼ 1.5%
2024 · €55k
2018: €148k
2019: €178k
2020: €373k
2021: €1.11M
2022: €377k
2023: €99k
2024: €55k
2018 → 2025
Total assets
€5.09M▲ 0.5%
2024 · €5.07M
2018: €3.59M
2019: €3.68M
2020: €4.02M
2021: €5.19M
2022: €5.51M
2023: €5.02M
2024: €5.07M
2018 → 2025
Solvency
70.6%▲ 0.7pp
2024 · 69.8%
2018: 54.2%
2019: 57.8%
2020: 62.1%
2021: 69.5%
2022: 61.4%
2023: 69.4%
2024: 69.8%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€3.61M-€3.39M▼ 6.2%€3.48M▲ 2.9%€3.54M▲ 1.6%€3.59M▲ 1.5%
Operating result€1.14M-€563k▼ 50.5%€158k▼ 72.0%€5k▼ 97.0%€-42k
Net result€1.11M-€377k▼ 66.1%€99k▼ 73.7%€55k▼ 44.2%€55k▼ 1.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €42k after €5k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €5.09M
Fixed assets
€70k▼ 20.7%
Current assets
€5.02M▲ 0.9%
Equity and liabilities €5.09M
Equity
€3.59M▲ 1.5%
Debt
€1.50M▼ 1.9%
The debt ratio falls from 30.2% to 29.4%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
70.6%▲
2024 · 69.8%
ROE
1.5%▼
2024 · 1.6%
ROA
1.1%▼
2024 · 1.1%
Debt
€1.50M▼
2024 · €1.53M
Debt ≤ 1 year
€1.50M▼
2024 · €1.53M
Income taxes
€16k▲
2024 · €15k
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€5.07M€5.09M▲
Fixed assets21/28€88k€70k▼
Tangible fixed assets22/27€88k€70k▼
Furniture and vehicles24€87k€68k▼
Other tangible fixed assets26€2k€2k=
Current assets29/58€4.98M€5.02M▲
Amounts receivable after more than one year29€485k€535k▲
Other amounts receivable291€485k€535k▲
Amounts receivable within one year40/41€131k€89k▼
Trade receivables40€44k€14k▼
Other amounts receivable41€87k€75k▼
Current investments50/53€3.96M€4.09M▲
Cash at bank and in hand54/58€402k€305k▼
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€5.07M€5.09M▲
Equity10/15€3.54M€3.59M▲
Contributions10/11€1.50M€1.50M=
Reserves13€2.04M€2.09M▲
Non-distributable reserves130/1€150k€150k=
Reserves not available under the articles1311€150k€150k=
Distributable reserves133€1.89M€1.94M▲
Profit (loss) carried forward14€739€288▼
Amounts payable17/49€1.53M€1.50M▼
Amounts payable within one year42/48€1.53M€1.50M▼
Trade debts44€2k€2k▲
Suppliers440/4€2k€2k▲
Taxes, remuneration and social security45€10k€591▼
Taxes450/3€9k€591▼
Remuneration and social security454/9€1k€0▼
Other amounts payable47/48€1.52M€1.50M▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€18k▲
Other operating charges640/8€7k€7k▼
Non-recurring operating charges66A€2k€0▼
Gross operating margin9900€18k€-17k▼
Operating profit (loss)9901€5k€-42k▼
Financial income75/76B€141k€128k▼
Recurring financial income75€141k€128k▼
Financial charges65/66B€76k€15k▼
Recurring financial charges65€76k€15k▼
Profit (loss) for the period before taxes9903€70k€70k▲
Income taxes67/77€15k€16k▲
Profit (loss) for the period9904€55k€55k▼
Profit (loss) for the period to be appropriated9905€55k€55k▼
Appropriation of the result
Profit (loss) to be appropriated9906€56k€55k▼
Profit (loss) brought forward from the previous period14P€385€739▲
Transfer to equity691/2€55k€55k=
To other reserves6921€55k€55k=
The notes to these accounts (12 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
Weakest financial yearnet €55k ▼1.5%
Net result drops to €55k, the lowest in the series.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
23-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 23 days late
2023
22-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €1.11M ▲198%
Operating result €1.14M, net result €1.11M, both a record.
31-12
Financial
Liquidity times 5current ratio 3.24
Current ratio from 0.61 to 3.24.
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
13-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €2MEq €2.12M ▲9.1%
2 profitable years in a row build equity to €2.12M.
18-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
12-07
State Gazette act
Board meeting · Permanent representative
07-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
22-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 22 days late
Financial milestoneState Gazette actNBB 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, Destelbergen · 1 establishment unit since 2015
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.
Prosper De Troyerlaan 79070 DestelbergenGround area
1,292 m²
Building footprint
174 m²
Volume, LiDAR
1,132 m³
Parcel 44013A0143/00C000, Flanders · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Troyerco
since 20152.239.921.129
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44013A0143/00C000 | Flanders | 1,292 m² | 1 · 174 m² | 9.3 m · 2 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.
Recognitions · licences · registrations
Legal Entity Identifier
699400YTP7XQXS069C13
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 9,149 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded26-02-2015
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress 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.