Summary
Zakenkantoor Van Eynde is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €19k and a net result of €58k. Equity is growing by ~29.8% per year across the filed fiscal years. Its solvency ranks better than 16% of 3323 sector peers (fiscal year 2024). The company has been active since 2015 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
Two 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 16% of 3323 sector peers (2024).
NBB · sector comparisonPosition among 3323 sector peers
Solvency
better than 16%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-06-2025, 31 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
not confirmed
2024
31 d early
2023
7 d early
2022
139 d early
2021
82 d early
2020
71 d early
2019
28 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€19k▼ 56.4%
2023 · €43k
2018: €12k
2019: €14k
2020: €19k
2021: €76k
2022: €99k
2023: €43k
2018 → 2024
Net result
€58k▲ 143%
2023 · €24k
2018: €3k
2019: €2k
2020: €5k
2021: €51k
2022: €23k
2023: €24k
2018 → 2024
Total assets
€186k▲ 101%
2023 · €93k
2018: €28k
2019: €29k
2020: €28k
2021: €89k
2022: €111k
2023: €93k
2018 → 2024
Solvency
10.0%▼ 36.2pp
2023 · 46.2%
2018: 42.0%
2019: 46.4%
2020: 67.4%
2021: 85.4%
2022: 89.2%
2023: 46.2%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€19k-€76k▲ 300%€99k▲ 30.5%€43k▼ 56.8%€19k▼ 56.4%
Operating result€9k-€33k▲ 256%€31k▼ 4.0%€33k▲ 5.7%€81k▲ 144%
Net result€5k-€51k▲ 860%€23k▼ 54.9%€24k▲ 3.3%€58k▲ 143%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed two years in a row; 2024 is 144% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €186k
Fixed assets
€79k ▲ 1,282%
Current assets
€107k ▲ 23.1%
Equity and liabilities €186k
Equity
€19k ▼ 56.4%
Debt
€168k ▲ 237%
Debt's share of the balance-sheet total rises from 53.8% to 90.0%. Equity is lower and debt is higher.
Key figures and ratios
ROE
311.8%▲
2023 · 55.9%
ROA
31.1%▲
2023 · 25.8%
Debt ≤ 1 year
€122k▲
2023 · €50k
Debt > 1 year
€46k
Income taxes
€22k▲
2023 · €8k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 48 lines
Balance sheet
Code20232024
Assets
Total assets20/58€93k€186k▲
Fixed assets21/28€6k€79k▲
Tangible fixed assets22/27€4k€2k▼
Furniture and vehicles24€2k€2k▼
Other tangible fixed assets26€1k€763▼
Financial fixed assets28€2k€77k▲
Current assets29/58€87k€107k▲
Amounts receivable within one year40/41€43k€86k▲
Trade receivables40€18k€60k▲
Other amounts receivable41€25k€26k▲
Current investments50/53€29k€15k▼
Cash at bank and in hand54/58€12k€6k▼
Deferred charges and accrued income490/1€4k-
Equity and liabilities
Total equity and liabilities10/49€93k€186k▲
Equity10/15€43k€19k▼
Contributions10/11€19k€19k=
Reserves13€24k-
Distributable reserves133€24k-
Amounts payable17/49€50k€168k▲
Amounts payable after more than one year17-€46k
Financial debts170/4-€46k
Amounts payable within one year42/48€50k€122k▲
Current portion of amounts payable after more than one year42-€10k
Financial debts43€3k€3k▼
Other loans439€3k€3k▼
Trade debts44€2k€1k▼
Suppliers440/4€2k€1k▼
Taxes, remuneration and social security45€3k€17k▲
Taxes450/3€3k€17k▲
Other amounts payable47/48€42k€91k▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€2k▼
Other operating charges640/8€3k€282▼
Gross operating margin9900€40k€83k▲
Operating profit (loss)9901€33k€81k▲
Financial income75/76B€250€2k▲
Recurring financial income75€250€2k▲
Financial charges65/66B€1k€2k▲
Recurring financial charges65€1k€2k▲
Profit (loss) for the period before taxes9903€32k€80k▲
Income taxes67/77€8k€22k▲
Profit (loss) for the period9904€24k€58k▲
Profit (loss) for the period to be appropriated9905€24k€58k▲
Appropriation of the result
Profit (loss) to be appropriated9906€24k€58k▲
Transfer from equity791/2€80k€24k▼
Transfer to equity691/2€24k-
To other reserves6921€24k-
Profit to be distributed694/7€80k€82k▲
Return on contributions (dividend)694€80k€82k▲
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
30-03
State Gazette act
Incorporation · Founder
Corporate purpose · Founding capital · Maarten Pieters
2025
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €58k ▲143%
Operating result €81k, net result €58k, both a record.
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
14-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
10-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
21-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Liquidity doublescurrent ratio 4.85
Current ratio from 2.07 to 4.85; short-term debt falls from €9k to €4k.
03-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €2k ▼27.2%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity triplescurrent ratio 2.07
Current ratio from 0.66 to 2.07; short-term debt falls from €10k to €9k.
20-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
06-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
01-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 1 day late
Financial milestoneState Gazette actNBB 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, Heist-op-den-Berg · 1 establishment unit since 2015
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.
Westerlosesteenweg 30A2220 Heist-op-den-BergGround area
4,364 m²
Building footprint
191 m²
Volume, LiDAR
2,076 m³
2 parcels, Flanders · tallest building 19.9 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Zakenkantoor Van Eynde
since 20152.242.284.860
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12014A0764/00L003 | Flanders | 3,728 m² | 1 · 178 m² | 13.3 m · 4 fl. |
| 12014K0022/00B002 | Flanders | 636 m² | 1 · 13 m² | 19.9 m · 3 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.
Structure & network
Ownership & control
1 board mandateBoard mandates of this companythis company sits on their board1
1 location
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 2,520 EUR awarded · 2,520 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 2,520 EUR | 2,520 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
984500FBF55D1N2JF454
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Of 4,683 companies in sector 66220 we hold annual accounts for 3,228. 1,456 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-05-2015
Fiscal year end31-12
Activities, NACEBEL 2025
66220Insurance agents and brokers
66191Agents and brokers in banking services
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.