WVSurveys 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 €113k and a net result of €49k. Equity is growing by ~39.8% per year across the filed fiscal years. Its solvency ranks better than 66% of 2420 sector peers (fiscal year 2025). The company has been active since 2021 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 03-08-2026, 3 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 · 5 filingsDeviation from the deadline
2025
3 d late
2024
5 d late
2023
9 d early
2022
27 d early
2021
16 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
€113k▲ 29.1%
2024 · €88k
2021: €11k
2022: €40k
2023: €63k
2024: €88k
2021 → 2025
Net result
€49k▲ 35.7%
2024 · €36k
2021: €6k
2022: €29k
2023: €23k
2024: €36k
2021 → 2025
Total assets
€167k▲ 58.2%
2024 · €105k
2021: €29k
2022: €60k
2023: €74k
2024: €105k
2021 → 2025
Solvency
68.0%▼ 15.3pp
2024 · 83.3%
2021: 40.2%
2022: 67.4%
2023: 85.5%
2024: 83.3%
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€11k-€40k▲ 252%€63k▲ 56.9%€88k▲ 38.5%€113k▲ 29.1%
Operating result€9k-€36k▲ 312%€29k▼ 19.3%€46k▲ 57.3%€64k▲ 38.2%
Net result€6k-€29k▲ 347%€23k▼ 20.5%€36k▲ 57.4%€49k▲ 35.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 38% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €167k
Fixed assets
€53k▲ 388%
Current assets
€114k▲ 20.3%
Equity and liabilities €167k
Equity
€113k▲ 29.1%
Debt
€53k▲ 204%
The debt ratio rises from 16.7% to 32.0%. Equity and debt are higher.
Key figures and ratios
Solvency
68.0%▼
2024 · 83.3%
ROE
43.3%▲
2024 · 41.2%
ROA
29.5%▼
2024 · 34.3%
Debt
€53k▲
2024 · €18k
Debt ≤ 1 year
€33k▲
2024 · €18k
Debt > 1 year
€20k
Income taxes
€14k▲
2024 · €10k
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€105k€167k▲
Fixed assets21/28€11k€53k▲
Tangible fixed assets22/27€11k€53k▲
Plant, machinery and equipment23€1k€2k▲
Furniture and vehicles24€10k€51k▲
Current assets29/58€95k€114k▲
Amounts receivable within one year40/41€6k€25k▲
Trade receivables40€6k€25k▲
Other amounts receivable41€0-
Cash at bank and in hand54/58€86k€85k▼
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€105k€167k▲
Equity10/15€88k€113k▲
Contributions10/11€5k€5k=
Reserves13€81k€107k▲
Distributable reserves133€81k€107k▲
Profit (loss) carried forward14€2k€2k▲
Amounts payable17/49€18k€53k▲
Amounts payable after more than one year17-€20k
Financial debts170/4-€20k
Amounts payable within one year42/48€18k€33k▲
Current portion of amounts payable after more than one year42-€15k
Trade debts44€472€1k▲
Suppliers440/4€472€1k▲
Taxes, remuneration and social security45€15k€17k▲
Taxes450/3€14k€17k▲
Remuneration and social security454/9€2k€0▼
Other amounts payable47/48€2k€471▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€11k▲
Other operating charges640/8€927€1k▲
Non-recurring operating charges66A€260€0▼
Gross operating margin9900€51k€76k▲
Operating profit (loss)9901€46k€64k▲
Financial income75/76B€0€2▲
Recurring financial income75€0€2▲
Financial charges65/66B€175€839▲
Recurring financial charges65€175€839▲
Profit (loss) for the period before taxes9903€46k€63k▲
Income taxes67/77€10k€14k▲
Profit (loss) for the period9904€36k€49k▲
Profit (loss) for the period to be appropriated9905€36k€49k▲
Appropriation of the result
Profit (loss) to be appropriated9906€38k€51k▲
Profit (loss) brought forward from the previous period14P€1k€2k▲
Transfer from equity791/2€12k€24k▲
Transfer to equity691/2€36k€49k▲
To other reserves6921€36k€49k▲
Profit to be distributed694/7€12k€24k▲
Return on contributions (dividend)694€12k€24k▲
The notes to these accounts (9 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
03-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 3 days late
2025
31-12
Financial
Highest result since 2021net €49k ▲35.7%
Operating result €64k, net result €49k, both a record.
31-12
Financial
Equity above €100kEq €113k ▲29.1%
5 profitable years in a row build equity to €113k.
05-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 5 days late
2024
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity doublescurrent ratio 6.69
Current ratio from 2.90 to 6.69; short-term debt falls from €20k to €11k.
04-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
16-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 16 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, Brecht · 1 establishment unit since 2021
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.
Fruithoflaan 492960 BrechtGround area
1,029 m²
Building footprint
171 m²
Volume, LiDAR
1,025 m³
Parcel 11043D0048/00D000, Flanders · tallest building 9.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
WVSurveys
since 20212.316.923.885
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11043D0048/00D000 | Flanders | 1,029 m² | 1 · 171 m² | 9.7 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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Be Empowered
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Of 853 companies in sector 66210 we hold annual accounts for 511. 441 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded22-04-2021
Fiscal year end31-12
Activities, NACEBEL
66210Risk and damage evaluation
Sources
Crossroads Bank for EnterprisesNational Bank · 5 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.