VE & DE BEHEER 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 €409k and a net result of €-3k. Equity remains stable across the filed fiscal years (±1% per year). Its solvency ranks better than 43% of 5521 sector peers (fiscal year 2025). The company has been active since 2010 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 09-12-2025, 53 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
53 d early
2024
73 d early
2023
65 d early
2022
68 d early
2021
70 d early
2020
67 d early
2019
38 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 close20-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€409k▼ 0.8%
2024 · €412k
2019: €373k
2020: €396k
2021: €402k
2022: €402k
2023: €410k
2024: €412k
2019 → 2025
Net result
€-3k
2024 · €2k
2019: €29k
2020: €23k
2021: €6k
2022: €2
2023: €8k
2024: €2k
2019 → 2025
Total assets
€937k▼ 3.6%
2024 · €972k
2019: €1.17M
2020: €1.14M
2021: €1.09M
2022: €1.02M
2023: €994k
2024: €972k
2019 → 2025
Solvency
43.6%▲ 1.2pp
2024 · 42.4%
2019: 31.8%
2020: 34.8%
2021: 36.8%
2022: 39.4%
2023: 41.3%
2024: 42.4%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€402k-€402k=€410k▲ 2.1%€412k▲ 0.5%€409k▼ 0.8%
Operating result€17k-€9k▼ 45.9%€28k▲ 195%€18k▼ 34.2%€4k▼ 76.0%
Net result€6k-€2▼ 100.0%€8k▲ 413,950%€2k▼ 75.4%€-3k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 76% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €937k
Fixed assets
€937k▼ 2.7%
Current assets
€461▼ 95.1%
Equity and liabilities €937k
Equity
€409k▼ 0.8%
Debt
€528k▼ 5.6%
The debt ratio falls from 57.6% to 56.4%. Equity and debt are lower.
Key figures and ratios
Solvency
43.6%▲
2024 · 42.4%
ROE
-0.8%▼
2024 · 0.5%
ROA
-0.4%▼
2024 · 0.2%
Debt
€528k▼
2024 · €560k
Debt ≤ 1 year
€198k▲
2024 · €196k
Debt > 1 year
€330k▼
2024 · €357k
Staff costs
€75k▲
2024 · €62k
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€972k€937k▼
Fixed assets21/28€962k€937k▼
Tangible fixed assets22/27€520k€495k▼
Land and buildings22€520k€495k▼
Financial fixed assets28€442k€442k=
Current assets29/58€10k€461▼
Cash at bank and in hand54/58€705€461▼
Deferred charges and accrued income490/1€9k-
Equity and liabilities
Total equity and liabilities10/49€972k€937k▼
Equity10/15€412k€409k▼
Contributions10/11€291k€291k=
Reserves13€122k€118k▼
Distributable reserves133€122k€118k▼
Amounts payable17/49€560k€528k▼
Amounts payable after more than one year17€357k€330k▼
Financial debts170/4€357k€330k▼
Amounts payable within one year42/48€196k€198k▲
Current portion of amounts payable after more than one year42€27k€27k▲
Trade debts44€5k€4k▼
Suppliers440/4€5k€4k▼
Taxes, remuneration and social security45€13k€14k▲
Taxes450/3€2k€2k▼
Remuneration and social security454/9€11k€12k▲
Other amounts payable47/48€152k€153k▲
Accrued charges and deferred income492/3€6k-
Income statement
Code20242025
Remuneration, social security and pensions62€62k€75k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€26k€26k=
Other operating charges640/8€4k€4k▲
Gross operating margin9900€110k€110k▼
Operating profit (loss)9901€18k€4k▼
Financial income75/76B€69-
Recurring financial income75€69-
Financial charges65/66B€16k€8k▼
Recurring financial charges65€16k€8k▼
Profit (loss) for the period before taxes9903€3k€-3k▼
Income taxes67/77€755-
Profit (loss) for the period9904€2k€-3k▼
Profit (loss) for the period to be appropriated9905€2k€-3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€2k€-3k▼
Transfer from equity791/2-€3k
Transfer to equity691/2€2k-
To other reserves6921€2k-
Social balance
Average headcount (FTE)90871.01.0=
The notes to these accounts (13 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
09-12
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
30-06
Financial
Weakest financial yearnet €-3k ▼267%
Net result drops to €-3k, the lowest in the series.
2024
19-11
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2023
27-11
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2022
24-11
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2021
22-11
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2020
25-11
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2019
23-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
05-09
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
21-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
21-09
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, Tongeren-Borgloon · 1 establishment unit since 2010
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.
Bilterweg 263840 Tongeren-BorgloonGround area
3,310 m²
Building footprint
2,281 m²
Volume, LiDAR
11,094 m³
Parcel 73031B0566/00W000, Flanders · tallest building 11.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Bilterweg 26, 3840 Tongeren-Borgloon
since 20102.189.665.231
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73031B0566/00W000 | Flanders | 3,310 m² | 1 · 2,280 m² | 11.2 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.
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 13,734 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-06-2010
Fiscal year end30-06
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 15 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.