WOLFCARIUS-BRUYNEEL 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 €1.24M and a net result of €209k. Equity is shrinking by ~3% per year across the filed fiscal years. Its solvency ranks better than 83% of 486 sector peers (fiscal year 2025). The company has been active since 1995 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 31-12-2025 was due by 31-07-2026 and was filed on 22-07-2026, 9 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
9 d early
2024
31 d early
2023
2 d early
2022
4 d early
2021
30 d early
2020
33 d early
2019
on the day
← 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Equity
€1.24M=
2024 · €1.24M
2018: €1.46M
2019: €1.61M
2020: €1.74M
2021: €1.64M
2023: €1.24M
2024: €1.24M
2018 → 2025
Net result
€209k▼ 40.1%
2024 · €349k
2018: €97k
2019: €157k
2020: €259k
2021: €318k
2023: €306k
2024: €349k
2018 → 2025
Total assets
€1.56M▼ 22.1%
2024 · €2.01M
2018: €1.52M
2019: €1.71M
2020: €1.84M
2021: €1.74M
2023: €1.65M
2024: €2.01M
2018 → 2025
Solvency
79.5%▲ 17.6pp
2024 · 61.9%
2018: 95.6%
2019: 94.6%
2020: 94.5%
2021: 94.3%
2023: 75.1%
2024: 61.9%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202320242025Trend
Equity€1.74M-€1.64M▼ 5.8%€1.24M▼ 24.2%€1.24M=€1.24M=
Operating result€350k-€424k▲ 21.2%€380k▼ 10.2%€432k▲ 13.4%€277k▼ 35.9%
Net result€259k-€318k▲ 22.9%€306k▼ 3.7%€349k▲ 14.1%€209k▼ 40.1%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 36% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.56M
Fixed assets
€36k▼ 53.6%
Current assets
€1.53M▼ 20.9%
Equity and liabilities €1.56M
Equity
€1.24M=
Debt
€320k▼ 58.1%
The debt ratio falls from 38.1% to 20.5%. Debt is lower.
Key figures and ratios
Solvency
79.5%▲
2024 · 61.9%
ROE
16.8%▼
2024 · 28.1%
ROA
13.4%▼
2024 · 17.4%
Debt
€320k▼
2024 · €763k
Debt ≤ 1 year
€282k▼
2024 · €726k
Debt > 1 year
€37k=
2024 · €37k
Income taxes
€83k▼
2024 · €108k
Staff costs
€60k▼
2024 · €64k
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€2.01M€1.56M▼
Fixed assets21/28€78k€36k▼
Intangible fixed assets21€41k€9k▼
Tangible fixed assets22/27€37k€27k▼
Furniture and vehicles24€37k€27k▼
Current assets29/58€1.93M€1.53M▼
Amounts receivable within one year40/41€44k€39k▼
Other amounts receivable41€44k€39k▼
Current investments50/53€0€1.00M▲
Cash at bank and in hand54/58€1.88M€485k▼
Deferred charges and accrued income490/1-€498
Equity and liabilities
Total equity and liabilities10/49€2.01M€1.56M▼
Equity10/15€1.24M€1.24M=
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€1.18M€1.18M=
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Distributable reserves133€1.17M€1.17M=
Profit (loss) carried forward14€0€0=
Amounts payable17/49€763k€320k▼
Amounts payable after more than one year17€37k€37k=
Other amounts payable178/9€37k€37k=
Amounts payable within one year42/48€726k€282k▼
Trade debts44€9k€12k▲
Suppliers440/4€9k€12k▲
Taxes, remuneration and social security45€16k€21k▲
Taxes450/3€11k€13k▲
Remuneration and social security454/9€5k€8k▲
Other amounts payable47/48€702k€250k▼
Income statement
Code20242025
Remuneration, social security and pensions62€64k€60k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€41k€42k▲
Other operating charges640/8€2k€2k▼
Non-recurring operating charges66A€4k€0▼
Gross operating margin9900€543k€380k▼
Operating profit (loss)9901€432k€277k▼
Financial income75/76B€28k€18k▼
Recurring financial income75€28k€18k▼
Financial charges65/66B€2k€3k▲
Recurring financial charges65€2k€3k▲
Profit (loss) for the period before taxes9903€458k€292k▼
Income taxes67/77€108k€83k▼
Profit (loss) for the period9904€349k€209k▼
Profit (loss) for the period to be appropriated9905€349k€209k▼
Appropriation of the result
Profit (loss) to be appropriated9906€349k€209k▼
Transfer from equity791/2€0-
Profit to be distributed694/7€349k€209k▼
Return on contributions (dividend)694€309k€209k▼
Directors or managers695€40k€0▼
Social balance
Average headcount (FTE)90871.41.0▼
The notes to these accounts (12 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
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Liquidity doublescurrent ratio 5.40
Current ratio from 2.65 to 5.40; short-term debt falls from €726k to €282k.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Highest result since 2018net €349k ▲14.1%
Operating result €432k, net result €349k, both a record.
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
15-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
06-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
06-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro 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, Tielt · 1 establishment unit since 1998
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.
Oostrozebekestraat 2278760 TieltGround area
1,112 m²
Building footprint
322 m²
Volume, LiDAR
1,606 m³
2 parcels, Flanders · tallest building 10.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Tieltstraat 14, 8760 Tielt
since 19982.089.816.104
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 37322D0818/03A003 | Flanders | 907 m² | 1 · 185 m² | 6.2 m · 1 fl. |
| 37322C0038/00M003 | Flanders | 205 m² | 1 · 137 m² | 10.7 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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 1,185 EUR awarded · 1,185 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 1,185 EUR | 1,185 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 1,681 companies in sector 66191 we hold annual accounts for 1,229. 812 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded08-08-1995
Fiscal year end31-12
Activities, NACEBEL
66191Agents and brokers in banking services
Sources
Crossroads Bank for EnterprisesNational Bank · 30 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.