Summary
VANBREDA CORNELIS 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 €2.52M and a net result of €619k. Equity is growing by ~5.8% per year across the filed fiscal years. Its solvency ranks better than 72% of 1475 sector peers (fiscal year 2025). The company has been active since 1983 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
1 signal. The signal on the left, the evidence on the right.
○neutral
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 20-03-2026, 133 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
133 d early
2024
128 d early
2023
126 d early
2022
132 d early
2021
103 d early
2020
121 d early
2019
126 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€2.52M▲ 5.2%
2024 · €2.39M
2018: €1.70M
2019: €1.80M
2020: €1.91M
2021: €2.03M
2022: €2.13M
2023: €2.26M
2024: €2.39M
2018 → 2025
Net result
€619k▼ 10.7%
2024 · €694k
2018: €587k
2019: €495k
2020: €556k
2021: €561k
2022: €527k
2023: €624k
2024: €694k
2018 → 2025
Total assets
€3.90M▲ 5.2%
2024 · €3.70M
2018: €2.96M
2019: €2.99M
2020: €3.10M
2021: €3.22M
2022: €3.38M
2023: €3.41M
2024: €3.70M
2018 → 2025
Solvency
64.7%=
2024 · 64.7%
2018: 57.6%
2019: 60.4%
2020: 61.7%
2021: 62.9%
2022: 63.0%
2023: 66.1%
2024: 64.7%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2.03M-€2.13M▲ 5.2%€2.26M▲ 5.9%€2.39M▲ 6.2%€2.52M▲ 5.2%
Operating result€756k-€708k▼ 6.4%€803k▲ 13.3%€856k▲ 6.7%€807k▼ 5.8%
Net result€561k-€527k▼ 6.0%€624k▲ 18.3%€694k▲ 11.3%€619k▼ 10.7%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 6% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.90M
Fixed assets
€1.33M ▲ 12,825%
Current assets
€2.56M ▼ 30.6%
Equity and liabilities €3.90M
Equity
€2.52M ▲ 5.2%
Debt
€1.38M ▲ 5.2%
Debt's share of the balance-sheet total stays at 35.3%.
Key figures and ratios
ROE
24.6%▼
2024 · 29.0%
ROA
15.9%▼
2024 · 18.7%
Debt ≤ 1 year
€1.05M▲
2024 · €998k
Income taxes
€217k▼
2024 · €239k
Staff costs
€705k▲
2024 · €484k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 59 lines
Balance sheet
Code20242025
Assets
Total assets20/58€3.70M€3.90M▲
Fixed assets21/28€10k€1.33M▲
Intangible fixed assets21-€1.30M
Tangible fixed assets22/27€10k€29k▲
Plant, machinery and equipment23€7k€7k▲
Furniture and vehicles24€2k€1k▼
Other tangible fixed assets26€1k€21k▲
Financial fixed assets28€398€398=
Current assets29/58€3.69M€2.56M▼
Amounts receivable after more than one year29€3k-
Other amounts receivable291€3k-
Amounts receivable within one year40/41€778k€984k▲
Trade receivables40€760k€928k▲
Other amounts receivable41€19k€56k▲
Current investments50/53€2.60M€1.20M▼
Cash at bank and in hand54/58€288k€362k▲
Deferred charges and accrued income490/1€24k€16k▼
Equity and liabilities
Total equity and liabilities10/49€3.70M€3.90M▲
Equity10/15€2.39M€2.52M▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€2.33M€2.46M▲
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Tax-exempt reserves132€36k€36k=
Distributable reserves133€2.29M€2.41M▲
Profit (loss) carried forward14€504-
Amounts payable17/49€1.31M€1.38M▲
Amounts payable within one year42/48€998k€1.05M▲
Trade debts44€313k€390k▲
Suppliers440/4€313k€390k▲
Taxes, remuneration and social security45€130k€162k▲
Taxes450/3€645€181▼
Remuneration and social security454/9€129k€162k▲
Other amounts payable47/48€555k€496k▼
Accrued charges and deferred income492/3€311k€330k▲
Income statement
Code20242025
Non-recurring operating income76A-€2k
Remuneration, social security and pensions62€484k€705k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€87k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€20k€8k▼
Other operating charges640/8€2k€1k▼
Gross operating margin9900€1.37M€1.61M▲
Operating profit (loss)9901€856k€807k▼
Financial income75/76B€78k€31k▼
Recurring financial income75€78k€31k▼
Financial charges65/66B€1k€1k▼
Recurring financial charges65€1k€1k▼
Profit (loss) for the period before taxes9903€933k€837k▼
Income taxes67/77€239k€217k▼
Profit (loss) for the period9904€694k€619k▼
Profit (loss) for the period to be appropriated9905€694k€619k▼
Appropriation of the result
Profit (loss) to be appropriated9906€695k€620k▼
Profit (loss) brought forward from the previous period14P€725€504▼
Transfer to equity691/2€139k€124k▼
To other reserves6921€139k€124k▼
Profit to be distributed694/7€555k€496k▼
Return on contributions (dividend)694€555k€496k▼
Social balance
Average headcount (FTE)90877.912.1▲
The notes to these accounts (10 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
20-03
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
25-03
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €694k ▲11.3%
Operating result €856k, net result €694k, both a record.
27-03
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
21-03
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
19-04
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Equity above €2MEq €2.03M ▲5.9%
4 profitable years in a row build equity to €2.03M.
01-04
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
27-03
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Weakest financial yearnet €495k ▼15.6%
Net result drops to €495k, the lowest in the series; recovery starts the following year.
22-03
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
01-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
10-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 10 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
26 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, Merelbeke-Melle · 1 establishment unit since 1984
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.
Hundelgemsesteenweg 3069820 Merelbeke-MelleGround area
2,064 m²
Building footprint
892 m²
Volume, LiDAR
2,743 m³
Parcel 44043A0144/00S014, Flanders · tallest building 10.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Hundelgemsesteenweg 306, 9820 Merelbeke-Melle
since 19842.023.560.352
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44043A0144/00S014 | Flanders | 2,064 m² | 1 · 892 m² | 10.6 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.
Structure & network
Ownership & control
2 parent companiesControl over this companyparent company per the LEI register2
Antwerpen
Antwerpen · indirect
controls
VANBREDA CORNELISBE 0425.054.196
Recognitions · licences · registrations
Legal Entity Identifier
967600MC4K43875JKS48
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Of 4,683 companies in sector 66220 we hold annual accounts for 3,228. 1,451 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded08-12-1983
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
63100Computing infrastructure, data processing, hosting and related activities
69201Certified accountants and tax accountants
Sources
Crossroads Bank for EnterprisesNational Bank · 42 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.