USTEROM 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 €14k and a net result of €19k. Equity is shrinking by ~5.4% per year across the filed fiscal years. Its solvency ranks better than 19% of 2425 sector peers (fiscal year 2025). The company has been active since 2020 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 · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 2425 sector peers (2025).
NBB · sector comparisonPosition among 2425 sector peers
Solvency
better than 19%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 17-07-2026, 14 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
14 d early
2024
35 d early
2023
34 d early
2022
32 d early
2021
33 d early
2020
2 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€14k▼ 31.0%
2024 · €21k
2020: €20k
2021: €106k
2022: €11k
2023: €19k
2024: €21k
2020 → 2025
Net result
€19k▲ 1,290%
2024 · €1k
2020: €14k
2021: €86k
2022: €28k
2023: €8k
2024: €1k
2020 → 2025
Total assets
€116k▲ 53.4%
2024 · €75k
2020: €28k
2021: €112k
2022: €142k
2023: €33k
2024: €75k
2020 → 2025
Solvency
12.3%▼ 15.1pp
2024 · 27.4%
2020: 68.6%
2021: 94.9%
2022: 8.1%
2023: 58.7%
2024: 27.4%
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€106k-€11k▼ 89.2%€19k▲ 69.2%€21k▲ 6.9%€14k▼ 31.0%
Operating result€108k-€33k▼ 69.5%€10k▼ 69.6%€1k▼ 88.5%€25k▲ 2,096%
Net result€86k-€28k▼ 67.6%€8k▼ 71.7%€1k▼ 83.1%€19k▲ 1,290%
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 2,096% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €116k
Fixed assets
€80k▲ 136%
Current assets
€35k▼ 14.4%
Equity and liabilities €116k
Equity
€14k▼ 31.0%
Debt
€101k▲ 85.4%
The debt ratio rises from 72.6% to 87.7%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
12.3%▼
2024 · 27.4%
ROE
130.4%▲
2024 · 6.5%
ROA
16.1%▲
2024 · 1.8%
Debt
€101k▲
2024 · €55k
Debt ≤ 1 year
€101k▲
2024 · €55k
Income taxes
€7k▲
2024 · €-197
Staff costs
€30k▲
2024 · €24k
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€75k€116k▲
Fixed assets21/28€34k€80k▲
Tangible fixed assets22/27€34k€80k▲
Plant, machinery and equipment23€3k€23k▲
Furniture and vehicles24€31k€57k▲
Current assets29/58€41k€35k▼
Amounts receivable within one year40/41€2k€32k▲
Trade receivables40€2k€30k▲
Other amounts receivable41€149€2k▲
Cash at bank and in hand54/58€37k€2k▼
Deferred charges and accrued income490/1€2k€734▼
Equity and liabilities
Total equity and liabilities10/49€75k€116k▲
Equity10/15€21k€14k▼
Contributions10/11€6k€6k=
Reserves13€15k€8k▼
Distributable reserves133€15k€8k▼
Amounts payable17/49€55k€101k▲
Amounts payable within one year42/48€55k€101k▲
Trade debts44€15k€856▼
Suppliers440/4€15k€856▼
Advances received on contracts in progress46-€25k
Taxes, remuneration and social security45€1k€7k▲
Taxes450/3€1k€7k▲
Other amounts payable47/48€38k€69k▲
Income statement
Code20242025
Remuneration, social security and pensions62€24k€30k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€16k▲
Other operating charges640/8€387€400▲
Non-recurring operating charges66A€3k-
Gross operating margin9900€31k€72k▲
Operating profit (loss)9901€1k€25k▲
Financial income75/76B€70-
Recurring financial income75€70-
Financial charges65/66B€90€120▲
Recurring financial charges65€90€120▲
Profit (loss) for the period before taxes9903€1k€25k▲
Income taxes67/77€-197€7k▲
Profit (loss) for the period9904€1k€19k▲
Profit (loss) for the period to be appropriated9905€1k€19k▲
Appropriation of the result
Profit (loss) to be appropriated9906€1k€19k▲
Transfer from equity791/2-€25k
Transfer to equity691/2€1k€19k▲
To other reserves6921€1k€19k▲
Profit to be distributed694/7-€25k
Return on contributions (dividend)694-€25k
The notes to these accounts (5 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
17-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €1k ▼83.1%
Net result drops to €1k, the lowest in the series; recovery starts the following year.
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
29-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2020net €86k ▲538%
Operating result €108k, net result €86k, both a record.
31-12
Financial
Liquidity times 6current ratio 19.77
Current ratio from 3.18 to 19.77; short-term debt falls from €9k to €6k.
31-12
Financial
Equity above €100kEq €106k ▲442%
2 profitable years in a row build equity to €106k.
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro 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, Hoeilaart · 2 establishment units since 2020
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.
Georges Huynenstraat 41560 HoeilaartGround area
3,959 m²
Building footprint
417 m²
Volume, LiDAR
2,591 m³
2 parcels, Flanders, Wallonia · tallest building 10.8 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
Usterom
since 20202.311.857.616
USTEROM
since 20262.388.550.368
2 parcels
Flanders
1
(50%)
Wallonia
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23033C0074/00M003 | Flanders | 2,418 m² | 1 · 241 m² | 10.8 m · 2 fl. |
| 25023G0400/00H000 | Wallonia | 1,541 m² | 1 · 176 m² | 7.9 m · 2 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.
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Of 1,507 companies in sector 66199 we hold annual accounts for 917. 367 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-12-2020
Fiscal year end31-12
Activities, NACEBEL
66199Other activities auxiliary to financial services, excluding insurance and pension funding
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:welldone@usterom.com