VANCRA 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 €299k and a net result of €8k. Equity is growing by ~9.6% per year across the filed fiscal years. Its solvency ranks better than 74% of 2413 sector peers (fiscal year 2025). The company has been active since 2011 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 30-09-2025 was due by 30-04-2026 and was filed on 18-05-2026, 18 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
18 d late
2024
370 d late
2023
171 d late
2022
33 d late
2021
36 d early
2020
on the day
2019
64 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
17-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€299k▲ 2.7%
2024 · €291k
2018: €160k
2019: €170k
2020: €199k
2021: €222k
2022: €257k
2023: €289k
2024: €291k
2018 → 2025
Net result
€8k▲ 190%
2024 · €3k
2018: €9k
2019: €11k
2020: €29k
2021: €23k
2022: €35k
2023: €32k
2024: €3k
2018 → 2025
Total assets
€398k▼ 0.1%
2024 · €399k
2018: €311k
2019: €309k
2020: €344k
2021: €385k
2022: €390k
2023: €414k
2024: €399k
2018 → 2025
Solvency
75.1%▲ 2.0pp
2024 · 73.1%
2018: 51.4%
2019: 55.1%
2020: 57.9%
2021: 57.8%
2022: 66.0%
2023: 69.7%
2024: 73.1%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€222k-€257k▲ 15.8%€289k▲ 12.3%€291k▲ 0.9%€299k▲ 2.7%
Operating result€45k-€54k▲ 20.2%€52k▼ 3.7%€8k▼ 84.9%€16k▲ 106%
Net result€23k-€35k▲ 53.5%€32k▼ 10.1%€3k▼ 91.5%€8k▲ 190%
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 106% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €398k
Fixed assets
€152k▼ 4.8%
Current assets
€246k▲ 3.1%
Equity and liabilities €398k
Equity
€299k▲ 2.7%
Debt
€99k▼ 7.5%
The debt ratio falls from 26.9% to 24.9%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
75.1%▲
2024 · 73.1%
ROE
2.6%▲
2024 · 0.9%
ROA
1.9%▲
2024 · 0.7%
Debt
€99k▼
2024 · €107k
Debt ≤ 1 year
€56k▲
2024 · €42k
Debt > 1 year
€43k▼
2024 · €60k
Income taxes
€6k▲
2024 · €2k
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€399k€398k▼
Fixed assets21/28€160k€152k▼
Tangible fixed assets22/27€144k€137k▼
Land and buildings22€143k€135k▼
Plant, machinery and equipment23€1k€1k▼
Furniture and vehicles24€404€175▼
Financial fixed assets28€16k€16k=
Current assets29/58€238k€246k▲
Amounts receivable within one year40/41€112k€114k▲
Trade receivables40€21k€23k▲
Other amounts receivable41€91k€92k▲
Cash at bank and in hand54/58€125k€130k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€399k€398k▼
Equity10/15€291k€299k▲
Contributions10/11€6k€6k=
Reserves13€283k€290k▲
Distributable reserves133€283k€290k▲
Profit (loss) carried forward14€2k€3k▲
Amounts payable17/49€107k€99k▼
Amounts payable after more than one year17€60k€43k▼
Financial debts170/4€60k€43k▼
Amounts payable within one year42/48€42k€56k▲
Current portion of amounts payable after more than one year42€6k€9k▲
Trade debts44€3k€5k▲
Suppliers440/4€3k€5k▲
Taxes, remuneration and social security45€3k€6k▲
Taxes450/3€3k€6k▲
Remuneration and social security454/9-€72
Other amounts payable47/48€31k€36k▲
Accrued charges and deferred income492/3€5k-
Income statement
Code20242025
Remuneration, social security and pensions62€168-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€8k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4-€3k
Other operating charges640/8€1k€2k▲
Gross operating margin9900€20k€29k▲
Operating profit (loss)9901€8k€16k▲
Financial income75/76B€0€91▲
Recurring financial income75€0€91▲
Financial charges65/66B€3k€3k▼
Recurring financial charges65€3k€3k▼
Profit (loss) for the period before taxes9903€4k€13k▲
Income taxes67/77€2k€6k▲
Profit (loss) for the period9904€3k€8k▲
Profit (loss) for the period to be appropriated9905€3k€8k▲
Appropriation of the result
Profit (loss) to be appropriated9906€5k€10k▲
Profit (loss) brought forward from the previous period14P€2k€2k▲
Transfer to equity691/2€3k€8k▲
To other reserves6921€3k€8k▲
The notes to these accounts (9 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
18-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 18 days late
05-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 370 days late
2024
18-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 171 days late
30-09
Financial
Weakest financial yearnet €3k ▼91.5%
Net result drops to €3k, the lowest in the series; recovery starts the following year.
2023
02-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 33 days late
2022
30-09
Financial
Highest result since 2018net €35k ▲53.5%
Operating result €54k, net result €35k, both a record.
25-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Equity above €200kEq €222k ▲11.5%
4 profitable years in a row build equity to €222k.
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
26-02
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
04-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
02-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
17-03
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, Lier · 1 establishment unit since 2011
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.
Frederik Peltzerstraat 632500 LierGround area
313 m²
Building footprint
299 m²
Volume, LiDAR
1,929 m³
2 parcels, Flanders · tallest building 17.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
VANCRA
since 20112.205.373.687
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12021G0223/00F002 | Flanders | 193 m² | 1 · 170 m² | 17.9 m · 2 fl. |
| 11622D0331/02N003 | Flanders | 120 m² | 1 · 128 m² | 7.8 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.
Similar companies · same sector, comparable size
V-CON
BE 0843.922.467
Dentergem · Eq €297k
GALTIER EXPERTISES
BE 0428.313.594
Sint-Pieters-Woluwe · Eq €296k
DEFA INVEST
BE 0473.704.745
Brecht · Eq €303k
PVG CONSULTS
BE 0809.496.969
Lasne · Eq €294k
DP INVEST
BE 0860.025.556
Aartselaar · Eq €304k
Of 854 companies in sector 66210 we hold annual accounts for 512. 406 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-12-2011
Fiscal year end30-09
Activities, NACEBEL
66210Risk and damage evaluation
Sources
Crossroads Bank for EnterprisesNational Bank · 13 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.