VARICO - IMMO 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 €146k and a net result of €24k. Equity is growing by ~6.1% per year across the filed fiscal years. Its solvency ranks better than 87% of 8006 sector peers (fiscal year 2025). The company has been active since 2003 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 22-09-2025, 131 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
131 d early
2024
100 d early
2023
93 d early
2022
64 d early
2021
70 d early
2020
61 d early
2019
50 d early
← 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 close19-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€146k▲ 19.8%
2024 · €122k
2019: €88k
2021: €102k
2022: €109k
2023: €115k
2024: €122k
2019 → 2025
Net result
€24k▲ 245%
2024 · €7k
2019: €7k
2021: €7k
2022: €6k
2023: €6k
2024: €7k
2019 → 2025
Total assets
€165k▲ 22.5%
2024 · €135k
2019: €103k
2021: €115k
2022: €121k
2023: €128k
2024: €135k
2019 → 2025
Solvency
88.8%▼ 1.9pp
2024 · 90.7%
2019: 85.4%
2021: 89.2%
2022: 89.7%
2023: 90.2%
2024: 90.7%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€102k-€109k▲ 6.3%€115k▲ 5.9%€122k▲ 6.1%€146k▲ 19.8%
Operating result€10k-€9k▼ 8.1%€9k▼ 0.3%€9k▲ 5.5%€9k▼ 3.7%
Net result€7k-€6k▼ 8.2%€6k▼ 0.2%€7k▲ 8.6%€24k▲ 245%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 4% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €165k
Fixed assets
€15k▼ 48.3%
Current assets
€150k▲ 41.8%
Equity and liabilities €165k
Equity
€146k▲ 19.8%
Debt
€18k▲ 48.1%
The debt ratio rises from 9.3% to 11.2%. Equity and debt are higher.
Key figures and ratios
Solvency
88.8%▼
2024 · 90.7%
ROE
16.6%▲
2024 · 5.7%
ROA
14.7%▲
2024 · 5.2%
Debt
€18k▲
2024 · €12k
Debt ≤ 1 year
€12k=
2024 · €12k
Income taxes
€2k▼
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€135k€165k▲
Fixed assets21/28€29k€15k▼
Financial fixed assets28€29k€15k▼
Current assets29/58€106k€150k▲
Amounts receivable within one year40/41€5k€206▼
Other amounts receivable41€5k€206▼
Cash at bank and in hand54/58€97k€150k▲
Deferred charges and accrued income490/1€3k€0▼
Equity and liabilities
Total equity and liabilities10/49€135k€165k▲
Equity10/15€122k€146k▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€6k€6k=
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Profit (loss) carried forward14€54k€79k▲
Amounts payable17/49€12k€18k▲
Amounts payable within one year42/48€12k€12k=
Other amounts payable47/48€12k€12k=
Accrued charges and deferred income492/3€472€6k▲
Income statement
Code20242025
Other operating charges640/8€505€507▲
Gross operating margin9900€10k€9k▼
Operating profit (loss)9901€9k€9k▼
Financial income75/76B€265€18k▲
Recurring financial income75€265€454▲
Non-recurring financial income76B-€17k
Financial charges65/66B€120€150▲
Recurring financial charges65€120€150▲
Profit (loss) for the period before taxes9903€9k€27k▲
Income taxes67/77€2k€2k▼
Profit (loss) for the period9904€7k€24k▲
Profit (loss) for the period to be appropriated9905€7k€24k▲
Appropriation of the result
Profit (loss) to be appropriated9906€54k€79k▲
Profit (loss) brought forward from the previous period14P€47k€54k▲
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
2025
22-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Highest result since 2019net €24k ▲245%
Net result €24k, the highest in the series.
2024
23-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2023
30-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
30-06
Financial
Weakest financial yearnet €6k ▼0.2%
Net result drops to €6k, the lowest in the series; recovery starts the following year.
2022
28-11
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2021
22-11
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
30-06
Financial
Equity above €100kEq €102k ▲15.7%
2 profitable years in a row build equity to €102k.
2020
01-12
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2019
12-12
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
19-12
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
30-11
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
21-11
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
6 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, Antwerpen · 1 establishment unit since 2003
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.
Wijnstraat 202600 AntwerpenGround area
590 m²
Building footprint
581 m²
Volume, LiDAR
3,075 m³
Parcel 11003B0244/00F016, Flanders · tallest building 11.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Wijnstraat 20, 2600 Antwerpen
since 20032.126.600.680
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11003B0244/00F016 | Flanders | 590 m² | 1 · 581 m² | 11.3 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.
Similar companies · same sector, comparable size
AdVisio
BE 0809.993.550
Brugge · Eq €146k
Vinken Management
BE 0672.689.654
Hechtel-Eksel · Eq €146k
HAIR MATHIAS
BE 0689.883.893
Izegem · Eq €146k
CC Group
BE 0715.588.202
Sint-Lambrechts-Woluwe · Eq €146k
Secuur Holding
BE 0804.247.784
Gent · Eq €146k
Of 24,727 companies in sector 64210 we hold annual accounts for 19,759. 13,185 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded20-03-2003
Fiscal year end30-06
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.