VANHOVE
ActiveVANHOVE 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 €312k and a net result of €62k. Equity is growing by ~21.6% per year across the filed fiscal years. Its solvency ranks better than 35% of 2413 sector peers (fiscal year 2025). The company has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals.
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 29-06-2025 was due by 29-01-2026 and was filed on 22-12-2025, 38 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
38 d early
2024
15 d early
2023
104 d early
2022
41 d early
2021
40 d early
2020
24 d early
2019
37 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 29-06-2026 and is due by 29-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
29-06-2026 close16-09-2026 today29-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€312k▲ 25.0%
2024 · €250k
2019: €49k
2020: €80k
2021: €139k
2022: €203k
2023: €226k
2024: €250k
2019 → 2025
Net result
€62k▲ 162%
2024 · €24k
2019: €-18k
2020: €31k
2021: €58k
2022: €64k
2023: €23k
2024: €24k
2019 → 2025
Total assets
€971k▲ 2.2%
2024 · €950k
2019: €914k
2020: €912k
2021: €900k
2022: €920k
2023: €927k
2024: €950k
2019 → 2025
Solvency
32.2%▲ 5.9pp
2024 · 26.3%
2019: 5.3%
2020: 8.8%
2021: 15.4%
2022: 22.0%
2023: 24.4%
2024: 26.3%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€139k-€203k▲ 46.4%€226k▲ 11.5%€250k▲ 10.5%€312k▲ 25.0%
Operating result€108k-€116k▲ 7.6%€52k▼ 55.3%€53k▲ 2.6%€116k▲ 118%
Net result€58k-€64k▲ 10.1%€23k▼ 63.8%€24k▲ 2.4%€62k▲ 162%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 118% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €971k
Fixed assets
€624k▼ 9.3%
Current assets
€346k▲ 32.5%
Equity and liabilities €971k
Equity
€312k▲ 25.0%
Debt
€658k▼ 5.9%
The debt ratio falls from 73.7% to 67.8%: equity grows while debt is paid down.
Key figures and ratios
Solvency
32.2%▲
2024 · 26.3%
ROE
20.0%▲
2024 · 9.5%
ROA
6.4%▲
2024 · 2.5%
Debt
€658k▼
2024 · €700k
Debt ≤ 1 year
€228k▼
2024 · €237k
Debt > 1 year
€423k▼
2024 · €456k
Income taxes
€28k▲
2024 · €10k
Staff costs
€153k▼
2024 · €190k
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€950k€971k▲
Fixed assets21/28€688k€624k▼
Tangible fixed assets22/27€688k€624k▼
Land and buildings22€563k€533k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€123k€89k▼
Current assets29/58€261k€346k▲
Amounts receivable within one year40/41€44k€39k▼
Trade receivables40€37k€39k▲
Other amounts receivable41€7k€0▼
Current investments50/53€100k€0▼
Cash at bank and in hand54/58€105k€292k▲
Deferred charges and accrued income490/1€12k€16k▲
Equity and liabilities
Total equity and liabilities10/49€950k€971k▲
Equity10/15€250k€312k▲
Contributions10/11€12k€12k=
Reserves13€232k€294k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Tax-exempt reserves132€664€664=
Distributable reserves133€231k€293k▲
Profit (loss) carried forward14€6k€6k=
Amounts payable17/49€700k€658k▼
Amounts payable after more than one year17€456k€423k▼
Financial debts170/4€456k€423k▼
Amounts payable within one year42/48€237k€228k▼
Current portion of amounts payable after more than one year42€194k€186k▼
Trade debts44€3k€15k▲
Suppliers440/4€3k€15k▲
Taxes, remuneration and social security45€40k€26k▼
Taxes450/3€10k€13k▲
Remuneration and social security454/9€30k€14k▼
Other amounts payable47/48€0€946▲
Accrued charges and deferred income492/3€7k€8k▲
Income statement
Code20242025
Non-recurring operating income76A€37k€0▼
Remuneration, social security and pensions62€190k€153k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€70k€64k▼
Other operating charges640/8€5k€5k▲
Gross operating margin9900€318k€338k▲
Operating profit (loss)9901€53k€116k▲
Financial income75/76B€4k€3k▼
Recurring financial income75€4k€3k▼
Financial charges65/66B€24k€28k▲
Recurring financial charges65€24k€28k▲
Profit (loss) for the period before taxes9903€33k€91k▲
Income taxes67/77€10k€28k▲
Profit (loss) for the period9904€24k€62k▲
Profit (loss) for the period to be appropriated9905€24k€62k▲
Appropriation of the result
Profit (loss) to be appropriated9906€30k€68k▲
Profit (loss) brought forward from the previous period14P€6k€6k=
Transfer to equity691/2€24k€62k▲
To other reserves6921€24k€62k▲
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
2025
22-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
14-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
17-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
19-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
29-06
Financial
Highest result since 2019net €64k ▲10.1%
Operating result €116k, net result €64k, both a record.
29-06
Financial
Equity above €200kEq €203k ▲46.4%
3 profitable years in a row build equity to €203k.
2021
20-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
29-06
Financial
Equity above €100kEq €139k ▲72.8%
2 profitable years in a row build equity to €139k.
05-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
29-06
Financial
Back to profitnet €31k
Net result €31k after one loss-making year.
2019
23-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
28-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
26-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
27-01
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
5 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, Brugge · 1 establishment unit since 2004
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.
Scheepsdalelaan 228000 BruggeGround area
547 m²
Building footprint
235 m²
Volume, LiDAR
1,607 m³
Parcel 31808K0735/00C004, Flanders · tallest building 12.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Vanhove
since 20042.138.032.230
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31808K0735/00C004 | Flanders | 547 m² | 1 · 235 m² | 12.6 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.
Public money · subsidies and aid
Flemish government
2023 to 2025 · 3 entries · 180 EUR awarded · 180 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 86 EUR | 86 EUR |
| 2024 | 1 | 47 EUR | 47 EUR |
| 2023 | 1 | 47 EUR | 47 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 1,679 companies in sector 66191 we hold annual accounts for 1,227. 1,062 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-07-2004
Fiscal year end29-06
Activities, NACEBEL
66191Agents and brokers in banking services
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.