VERZEKERINGEN FREDRIX 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 €208k and a net result of €45k. Equity is growing by ~3.3% per year across the filed fiscal years. Its solvency ranks better than 58% of 2423 sector peers (fiscal year 2025). The company has been active since 1992 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 31-12-2025 was due by 31-07-2026 and was filed on 18-08-2026, 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
2023
20 d late
2022
24 d late
2021
58 d late
2020
30 d late
2019
28 d late
2018
26 d late
← before the deadline
after the deadline →
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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€208k▲ 59.2%
2023 · €130k
2018: €275k
2019: €115k
2020: €66k
2021: €108k
2022: €108k
2023: €130k
2018 → 2025
Net result
€45k▲ 101%
2023 · €22k
2018: €334k
2019: €139k
2020: €152k
2021: €163k
2022: €-66
2023: €22k
2018 → 2025
Total assets
€354k▲ 44.4%
2023 · €245k
2018: €330k
2019: €125k
2020: €169k
2021: €210k
2022: €203k
2023: €245k
2018 → 2025
Solvency
58.6%▲ 5.4pp
2023 · 53.2%
2018: 83.3%
2019: 91.6%
2020: 38.7%
2021: 51.6%
2022: 53.5%
2023: 53.2%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232025Trend
Equity€66k-€108k▲ 65.3%€108k▼ 0.1%€130k▲ 20.5%€208k▲ 59.2%
Operating result€208k-€221k▲ 6.3%€5k▼ 97.9%€35k▲ 663%€64k▲ 82.0%
Net result€152k-€163k▲ 7.1%€-66€22k€45k▲ 101%
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 is €64k in 2025, compared with €35k in 2023. Comparable figures for the intervening years are unavailable.
Balance-sheet composition
2025 in colour, 2023 as the grey bar beneath
Assets €354k
Fixed assets
€13k▼ 55.4%
Current assets
€342k▲ 57.5%
Equity and liabilities €354k
Equity
€208k▲ 59.2%
Debt
€147k▲ 27.6%
The debt ratio falls from 46.8% to 41.4%. Equity and debt are higher.
Key figures and ratios
Solvency
58.6%▲
2023 · 53.2%
ROE
21.5%▲
2023 · 17.0%
ROA
12.6%▲
2023 · 9.0%
Debt
€147k▲
2023 · €115k
Debt ≤ 1 year
€125k▲
2023 · €108k
Income taxes
€18k▲
2023 · €12k
Staff costs
€51k▲
2023 · €33k
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 2023
Balance sheet
Code20232025
Assets
Total assets20/58€245k€354k▲
Fixed assets21/28€29k€13k▼
Tangible fixed assets22/27€29k€13k▼
Plant, machinery and equipment23€747€3k▲
Furniture and vehicles24€24k€2k▼
Other tangible fixed assets26€4k€8k▲
Current assets29/58€217k€342k▲
Amounts receivable within one year40/41€8k€5k▼
Trade receivables40€2k€3k▲
Other amounts receivable41€7k€2k▼
Cash at bank and in hand54/58€150k€286k▲
Deferred charges and accrued income490/1€59k€51k▼
Equity and liabilities
Total equity and liabilities10/49€245k€354k▲
Equity10/15€130k€208k▲
Contributions10/11€25k€25k=
Reserves13€15k€15k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€12k€12k=
Profit (loss) carried forward14€91k€168k▲
Amounts payable17/49€115k€147k▲
Amounts payable after more than one year17€7k-
Financial debts170/4€7k-
Amounts payable within one year42/48€108k€125k▲
Current portion of amounts payable after more than one year42€9k-
Trade debts44€91k€119k▲
Suppliers440/4€91k€119k▲
Taxes, remuneration and social security45-€6k
Remuneration and social security454/9-€6k
Other amounts payable47/48€8k€165▼
Accrued charges and deferred income492/3€13€22k▲
Income statement
Code20232025
Non-recurring operating income76A€2k€9k▲
Remuneration, social security and pensions62€33k€51k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€5k▼
Other operating charges640/8€1k€1k▼
Gross operating margin9900€84k€121k▲
Operating profit (loss)9901€35k€64k▲
Financial income75/76B€0€0▲
Recurring financial income75€0€0▲
Financial charges65/66B€542€594▲
Recurring financial charges65€542€594▲
Profit (loss) for the period before taxes9903€34k€63k▲
Income taxes67/77€12k€18k▲
Profit (loss) for the period9904€22k€45k▲
Profit (loss) for the period to be appropriated9905€22k€45k▲
Appropriation of the result
Profit (loss) to be appropriated9906€91k€168k▲
Profit (loss) brought forward from the previous period14P€69k€124k▲
The notes to these accounts (7 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
18-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 18 days late
2025
31-12
Financial
Equity above €200kEq €208k ▲59.2%
2 profitable years in a row build equity to €208k.
2024
20-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 20 days late
2023
31-12
Financial
Back to profitnet €22k
Net result €22k after one loss-making year.
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 24 days late
2022
31-12
Financial
Weakest financial yearnet €-66 ▼100%
Net result drops to €-66, the lowest in the series; recovery starts the following year.
27-09
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 58 days late
2021
31-12
Financial
Equity above €100kEq €108k ▲65.3%
4 profitable years in a row build equity to €108k.
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 30 days late
2020
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 28 days late
2019
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 26 days late
2018
20-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
28-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 28 days late
2016
31-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 31 days late
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, Wijnegem · 1 establishment unit since 1995
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.
Turnhoutsebaan 3652110 WijnegemGround area
490 m²
Building footprint
410 m²
Volume, LiDAR
2,479 m³
Parcel 11050B0170/00R000, Flanders · tallest building 10.3 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
GROEP VAN HEYST & FREDRIX
since 19952.059.211.416
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11050B0170/00R000 | Flanders | 490 m² | 1 · 410 m² | 10.3 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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 1,500 EUR awarded · 1,500 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,500 EUR | 1,500 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 4,685 companies in sector 66220 we hold annual accounts for 3,230. 2,817 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-08-1992
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
67201
Sources
Crossroads Bank for EnterprisesNational Bank · 11 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.