WP9 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 €5k and a net result of €76k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 10% of 2413 sector peers (fiscal year 2025). The company has been active since 2022 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
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 2413 sector peers (2025).
NBB · sector comparisonPosition among 2413 sector peers
Solvency
better than 10%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 4 filingsDeviation from the deadline
2025
31 d late
2024
18 d late
2023
59 d late
2022
69 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€5k▼ 95.6%
2024 · €114k
2022: €46k
2023: €83k
2024: €114k
2022 → 2025
Net result
€76k▲ 147%
2024 · €31k
2022: €42k
2023: €39k
2024: €31k
2022 → 2025
Total assets
€233k▲ 34.0%
2024 · €174k
2022: €115k
2023: €182k
2024: €174k
2022 → 2025
Solvency
2.1%▼ 63.6pp
2024 · 65.8%
2022: 39.6%
2023: 46.0%
2024: 65.8%
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€46k-€83k▲ 83.0%€114k▲ 37.0%€5k▼ 95.6%
Operating result€54k-€50k▼ 6.6%€40k▼ 21.0%€95k▲ 139%
Net result€42k-€39k▼ 6.6%€31k▼ 21.8%€76k▲ 147%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 139% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €233k
Fixed assets
€4k▲ 12.7%
Current assets
€229k▲ 34.4%
Equity and liabilities €233k
Equity
€5k▼ 95.6%
Debt
€228k▲ 283%
The debt ratio rises from 34.2% to 97.9%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
2.1%▼
2024 · 65.8%
ROA
32.8%▲
2024 · 17.8%
Debt
€228k▲
2024 · €59k
Debt ≤ 1 year
€228k▲
2024 · €59k
Income taxes
€18k▲
2024 · €9k
A ratio outside any meaningful range has been withheld (balance sheet total €233k, equity €5k).
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€174k€233k▲
Fixed assets21/28€3k€4k▲
Tangible fixed assets22/27€3k€4k▲
Furniture and vehicles24€3k€4k▲
Current assets29/58€171k€229k▲
Amounts receivable within one year40/41€23k€101k▲
Trade receivables40€23k€83k▲
Other amounts receivable41-€18k
Cash at bank and in hand54/58€146k€125k▼
Deferred charges and accrued income490/1€1k€3k▲
Equity and liabilities
Total equity and liabilities10/49€174k€233k▲
Equity10/15€114k€5k▼
Contributions10/11€5k€5k=
Reserves13€78k-
Distributable reserves133€78k-
Profit (loss) carried forward14€31k-
Amounts payable17/49€59k€228k▲
Amounts payable within one year42/48€59k€228k▲
Trade debts44€3k€20k▲
Suppliers440/4€3k€20k▲
Taxes, remuneration and social security45€22k€22k▼
Taxes450/3€22k€22k▼
Other amounts payable47/48€34k€186k▲
Income statement
Code20242025
Non-recurring operating income76A-€6k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€1k▼
Other operating charges640/8€1k€2k▲
Gross operating margin9900€49k€97k▲
Operating profit (loss)9901€40k€95k▲
Financial income75/76B€225€541▲
Recurring financial income75€225€541▲
Financial charges65/66B€253€887▲
Recurring financial charges65€253€887▲
Profit (loss) for the period before taxes9903€40k€95k▲
Income taxes67/77€9k€18k▲
Profit (loss) for the period9904€31k€76k▲
Profit (loss) for the period to be appropriated9905€31k€76k▲
Appropriation of the result
Profit (loss) to be appropriated9906€31k€107k▲
Profit (loss) brought forward from the previous period14P-€31k
Transfer from equity791/2-€78k
Profit to be distributed694/7-€186k
Return on contributions (dividend)694-€186k
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Highest result since 2022net €76k ▲147%
Operating result €95k, net result €76k, both a record.
18-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 18 days late
2024
31-12
Financial
Weakest financial yearnet €31k ▼21.8%
Net result drops to €31k, the lowest in the series; recovery starts the following year.
31-12
Financial
Equity above €100kEq €114k ▲37%
3 profitable years in a row build equity to €114k.
28-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 59 days late
2023
08-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 69 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Rotselaar · 1 establishment unit since 2022
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.
Werchterplein 93118 RotselaarGround area
550 m²
Building footprint
144 m²
Volume, LiDAR
930 m³
Parcel 24121E0218/00G000, Flanders · tallest building 10.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
WP9
since 20222.327.239.935
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24121E0218/00G000 | Flanders | 550 m² | 1 · 144 m² | 10.3 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.
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Of 854 companies in sector 66210 we hold annual accounts for 512. 141 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-01-2022
Fiscal year end31-12
Activities, NACEBEL
66210Risk and damage evaluation
71112Activities of interior architects
Sources
Crossroads Bank for EnterprisesNational Bank · 4 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.