TWINVEST 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 €203k and a net result of €37k. Equity is growing by ~22.3% per year across the filed fiscal years. Its solvency ranks better than 56% of 7980 sector peers (fiscal year 2025). The company has been active since 2006 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 30-06-2025 was due by 31-01-2026 and was filed on 08-12-2025, 54 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
54 d early
2024
50 d early
2023
41 d early
2022
8 d early
2021
42 d early
2020
2 d early
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close17-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€203k▲ 22.5%
2024 · €166k
2019: €37k
2020: €39k
2021: €74k
2022: €138k
2023: €160k
2024: €166k
2019 → 2025
Net result
€37k▲ 78.4%
2024 · €21k
2019: €708
2020: €2k
2021: €36k
2022: €64k
2023: €22k
2024: €21k
2019 → 2025
Total assets
€346k▲ 4.6%
2024 · €330k
2019: €257k
2020: €247k
2021: €457k
2022: €424k
2023: €405k
2024: €330k
2019 → 2025
Solvency
58.7%▲ 8.6pp
2024 · 50.2%
2019: 14.3%
2020: 15.7%
2021: 16.3%
2022: 32.6%
2023: 39.5%
2024: 50.2%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€74k-€138k▲ 85.9%€160k▲ 15.9%€166k▲ 3.4%€203k▲ 22.5%
Operating result€73k-€110k▲ 50.6%€50k▼ 54.3%€46k▼ 8.4%€66k▲ 43.7%
Net result€36k-€64k▲ 79.7%€22k▼ 65.6%€21k▼ 4.8%€37k▲ 78.4%
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 44% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €346k
Fixed assets
€240k▼ 8.6%
Current assets
€106k▲ 55.1%
Equity and liabilities €346k
Equity
€203k▲ 22.5%
Debt
€143k▼ 13.4%
The debt ratio falls from 49.8% to 41.3%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
58.7%▲
2024 · 50.2%
ROE
18.4%▲
2024 · 12.6%
ROA
10.8%▲
2024 · 6.3%
Debt
€143k▼
2024 · €165k
Debt ≤ 1 year
€37k▼
2024 · €40k
Debt > 1 year
€104k▼
2024 · €118k
Income taxes
€21k▲
2024 · €12k
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€330k€346k▲
Fixed assets21/28€262k€240k▼
Tangible fixed assets22/27€262k€240k▼
Land and buildings22€259k€238k▼
Plant, machinery and equipment23€2k€988▼
Furniture and vehicles24€980€686▼
Current assets29/58€68k€106k▲
Amounts receivable within one year40/41€24k€19k▼
Trade receivables40€14k€17k▲
Other amounts receivable41€10k€2k▼
Cash at bank and in hand54/58€40k€81k▲
Deferred charges and accrued income490/1€4k€6k▲
Equity and liabilities
Total equity and liabilities10/49€330k€346k▲
Equity10/15€166k€203k▲
Contributions10/11€19k€19k=
Reserves13€144k€182k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€144k€182k▲
Profit (loss) carried forward14€3k€3k=
Amounts payable17/49€165k€143k▼
Amounts payable after more than one year17€118k€104k▼
Financial debts170/4€118k€104k▼
Amounts payable within one year42/48€40k€37k▼
Current portion of amounts payable after more than one year42€14k€14k▲
Financial debts43-€997
Credit institutions430/8-€997
Trade debts44€4k€9k▲
Suppliers440/4€4k€9k▲
Taxes, remuneration and social security45€6k€13k▲
Taxes450/3€6k€13k▲
Other amounts payable47/48€15k€0▼
Accrued charges and deferred income492/3€7k€2k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€24k▲
Other operating charges640/8€3k€2k▼
Non-recurring operating charges66A€7k-
Gross operating margin9900€74k€92k▲
Operating profit (loss)9901€46k€66k▲
Financial income75/76B€70€112▲
Recurring financial income75€70€112▲
Financial charges65/66B€13k€7k▼
Recurring financial charges65€13k€7k▼
Profit (loss) for the period before taxes9903€33k€59k▲
Income taxes67/77€12k€21k▲
Profit (loss) for the period9904€21k€37k▲
Profit (loss) for the period to be appropriated9905€21k€37k▲
Appropriation of the result
Profit (loss) to be appropriated9906€24k€40k▲
Profit (loss) brought forward from the previous period14P€3k€3k=
Transfer from equity791/2€15k€0▼
Transfer to equity691/2€21k€37k▲
To other reserves6921€21k€37k▲
Profit to be distributed694/7€15k€0▼
Return on contributions (dividend)694€15k€0▼
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
08-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Equity above €200kEq €203k ▲22.5%
7 profitable years in a row build equity to €203k.
2024
12-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
21-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
30-06
Financial
Equity above €150kEq €160k ▲15.9%
5 profitable years in a row build equity to €160k.
23-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Highest result since 2019net €64k ▲79.7%
Operating result €110k, net result €64k, both a record.
30-06
Financial
Equity above €100kEq €138k ▲85.9%
4 profitable years in a row build equity to €138k.
2021
20-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
29-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
30-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
22-12
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
4 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, Hasselt · 1 establishment unit since 2006
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.
Kempenhof 13500 HasseltGround area
236 m²
Building footprint
119 m²
Volume, LiDAR
531 m³
Parcel 71327G0124/00S004, Flanders · tallest building 6.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
TWINVEST
since 20062.151.171.275
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71327G0124/00S004 | Flanders | 236 m² | 1 · 119 m² | 6.0 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.
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Of 24,726 companies in sector 64210 we hold annual accounts for 19,747. 13,538 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-01-2006
Fiscal year end30-06
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
74131
73200Market research and public opinion polling
82990Other business support services
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.