TUPLE 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 €126k and a net result of €79k. Equity is growing by ~4.3% per year across the filed fiscal years. Its solvency ranks better than 20% of 8006 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 · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 24-10-2025, 7 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
7 d early
2024
4 d early
2023
on the day
2022
3 d late
2021
4 d early
2020
1 d early
2019
3 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close20-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€126k▲ 167%
2024 · €47k
2019: €73k
2020: €44k
2021: €92k
2022: €83k
2023: €83k
2024: €47k
2019 → 2025
Net result
€79k▲ 503%
2024 · €13k
2019: €25k
2020: €30k
2021: €49k
2022: €49k
2023: €49k
2024: €13k
2019 → 2025
Total assets
€871k▲ 1,041%
2024 · €76k
2019: €102k
2020: €83k
2021: €117k
2022: €110k
2023: €108k
2024: €76k
2019 → 2025
Solvency
14.5%▼ 47.3pp
2024 · 61.8%
2019: 71.4%
2020: 52.5%
2021: 79.1%
2022: 75.5%
2023: 77.2%
2024: 61.8%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€92k-€83k▼ 9.8%€83k=€47k▼ 43.3%€126k▲ 167%
Operating result€63k-€64k▲ 1.4%€64k▼ 0.8%€18k▼ 71.0%€129k▲ 599%
Net result€49k-€49k▲ 0.9%€49k=€13k▼ 73.3%€79k▲ 503%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 599% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €871k
Fixed assets
€765k▲ 3,494%
Current assets
€107k▲ 93.6%
Equity and liabilities €871k
Equity
€126k▲ 167%
Debt
€745k▲ 2,453%
The debt ratio rises from 38.2% to 85.5%. Equity and debt are higher.
Key figures and ratios
Solvency
14.5%▼
2024 · 61.8%
ROE
62.6%▲
2024 · 27.8%
ROA
9.1%▼
2024 · 17.1%
Debt
€745k▲
2024 · €29k
Debt ≤ 1 year
€107k▲
2024 · €29k
Debt > 1 year
€638k
Income taxes
€28k▲
2024 · €5k
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€76k€871k▲
Fixed assets21/28€21k€765k▲
Tangible fixed assets22/27€21k€15k▼
Land and buildings22€4k€3k▼
Furniture and vehicles24€15k€10k▼
Other tangible fixed assets26€2k€2k▼
Financial fixed assets28€90€750k▲
Current assets29/58€55k€107k▲
Amounts receivable within one year40/41€2k€29k▲
Trade receivables40-€24k
Other amounts receivable41€2k€5k▲
Cash at bank and in hand54/58€32k€77k▲
Deferred charges and accrued income490/1€21k€1k▼
Equity and liabilities
Total equity and liabilities10/49€76k€871k▲
Equity10/15€47k€126k▲
Contributions10/11€19k€19k=
Reserves13€29k€107k▲
Tax-exempt reserves132€14k€14k=
Distributable reserves133€15k€94k▲
Amounts payable17/49€29k€745k▲
Amounts payable after more than one year17-€638k
Financial debts170/4-€638k
Amounts payable within one year42/48€29k€107k▲
Current portion of amounts payable after more than one year42-€65k
Financial debts43€372€9k▲
Credit institutions430/8€372€432▲
Other loans439-€8k
Trade debts44€9k€4k▼
Suppliers440/4€9k€4k▼
Taxes, remuneration and social security45€7k€16k▲
Taxes450/3€7k€15k▲
Remuneration and social security454/9-€751
Other amounts payable47/48€13k€14k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€7k▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€25k€137k▲
Operating profit (loss)9901€18k€129k▲
Financial income75/76B-€6
Recurring financial income75-€6
Financial charges65/66B€507€22k▲
Recurring financial charges65€507€22k▲
Profit (loss) for the period before taxes9903€18k€107k▲
Income taxes67/77€5k€28k▲
Profit (loss) for the period9904€13k€79k▲
Profit (loss) for the period to be appropriated9905€13k€79k▲
Appropriation of the result
Profit (loss) to be appropriated9906€13k€79k▲
Transfer from equity791/2€49k-
Transfer to equity691/2€13k€79k▲
To other reserves6921€13k€79k▲
Profit to be distributed694/7€49k-
Return on contributions (dividend)694€49k-
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
Next filing, fiscal year 2026, expected by
2025
24-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Highest result since 2019net €79k ▲503%
Operating result €129k, net result €79k, both a record.
31-03
Financial
Equity above €100kEq €126k ▲167%
7 profitable years in a row build equity to €126k.
2024
27-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
31-03
Financial
Weakest financial yearnet €13k ▼73.3%
Net result drops to €13k, the lowest in the series; recovery starts the following year.
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
03-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 3 days late
2021
27-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-03
Financial
Liquidity doublescurrent ratio 4.56
Current ratio from 1.83 to 4.56; short-term debt falls from €39k to €24k.
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
28-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
29-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
27-10
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Oudenaarde · 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.
Wortegemstraat 1199700 OudenaardeGround area
943 m²
Building footprint
124 m²
Volume, LiDAR
676 m³
Parcel 45508A0242/00C003, Flanders · tallest building 9.7 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Wortegemstraat 119, 9700 Oudenaarde
since 20152.246.008.967
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45508A0242/00C003 | Flanders | 943 m² | 1 · 124 m² | 9.7 m · 1 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.
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 195 EUR awarded · 195 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 195 EUR | 195 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,760. 12,903 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-09-2015
Fiscal year end31-03
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:pieter@aaltra.eu
Phone:+32479516653