Summary
A-Vans 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 €88k and a net result of €83k. Equity remains stable across the filed fiscal years (±1.1% per year). Its solvency ranks better than 21% of 8023 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
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 21% of 8023 sector peers (2025).
NBB · sector comparisonPosition among 8023 sector peers
Solvency
better than 21%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 21-10-2025, 102 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
102 d early
2024
13 d early
2023
20 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€88k▼ 39.3%
2024 · €144k
2023: €90k
2024: €144k
2023 → 2025
Net result
€83k▲ 52.3%
2024 · €55k
2023: €87k
2024: €55k
2023 → 2025
Total assets
€530k▲ 12.8%
2024 · €470k
2023: €122k
2024: €470k
2023 → 2025
Solvency
16.5%▼ 14.2pp
2024 · 30.7%
2023: 73.7%
2024: 30.7%
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€90k-€144k▲ 61.0%€88k▼ 39.3%
Operating result€109k-€70k▼ 36.4%€113k▲ 62.2%
Net result€87k-€55k▼ 36.9%€83k▲ 52.3%
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 62% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €530k
Fixed assets
€314k ▼ 5.0%
Current assets
€216k ▲ 55.1%
Equity and liabilities €530k
Equity
€88k ▼ 39.3%
Debt
€442k ▲ 35.9%
Debt's share of the balance-sheet total rises from 69.3% to 83.5%. Equity is lower and debt is higher.
Key figures and ratios
ROE
95.1%▲
2024 · 37.9%
ROA
15.7%▲
2024 · 11.6%
Debt ≤ 1 year
€196k▲
2024 · €52k
Debt > 1 year
€247k▼
2024 · €273k
Income taxes
€21k▲
2024 · €14k
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 · 2025 against 2024 · 41 lines
Balance sheet
Code20242025
Assets
Total assets20/58€470k€530k▲
Fixed assets21/28€330k€314k▼
Tangible fixed assets22/27€330k€314k▼
Land and buildings22€317k€301k▼
Plant, machinery and equipment23€13k€13k▼
Current assets29/58€140k€216k▲
Amounts receivable within one year40/41€30k€29▼
Trade receivables40€30k-
Other amounts receivable41-€29
Cash at bank and in hand54/58€109k€216k▲
Equity and liabilities
Total equity and liabilities10/49€470k€530k▲
Equity10/15€144k€88k▼
Contributions10/11€3k€3k=
Profit (loss) carried forward14€141k€85k▼
Amounts payable17/49€326k€442k▲
Amounts payable after more than one year17€273k€247k▼
Financial debts170/4€273k€247k▼
Amounts payable within one year42/48€52k€196k▲
Current portion of amounts payable after more than one year42€26k€27k▲
Trade debts44€928€929▲
Suppliers440/4€928€929▲
Taxes, remuneration and social security45€25k€49k▲
Taxes450/3€25k€49k▲
Other amounts payable47/48€152€119k▲
Accrued charges and deferred income492/3€200-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€40k€17k▼
Other operating charges640/8€2k€141▼
Gross operating margin9900€112k€130k▲
Operating profit (loss)9901€70k€113k▲
Financial income75/76B€1k€2k▲
Recurring financial income75€1k€2k▲
Financial charges65/66B€2k€11k▲
Recurring financial charges65€2k€11k▲
Profit (loss) for the period before taxes9903€69k€104k▲
Income taxes67/77€14k€21k▲
Profit (loss) for the period9904€55k€83k▲
Profit (loss) for the period to be appropriated9905€55k€83k▲
Appropriation of the result
Profit (loss) to be appropriated9906€141k€225k▲
Profit (loss) brought forward from the previous period14P€87k€141k▲
Profit to be distributed694/7-€140k
Return on contributions (dividend)694-€140k
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
Next filing, fiscal year 2026, expected by
2025
21-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
18-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Weakest financial yearnet €55k ▼36.9%
Net result drops to €55k, the lowest in the series; recovery starts the following year.
30-06
Financial
Equity above €100kEq €144k ▲61%
2 profitable years in a row build equity to €144k.
11-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Beveren-Kruibeke-Zwijndrecht · 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.
Pareinpark(BEV) 249120 Beveren-Kruibeke-ZwijndrechtGround area
975 m²
Building footprint
102 m²
Volume, LiDAR
662 m³
Parcel 46003B0702/00M000, Flanders · tallest building 6.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
A-Vans
since 20222.331.115.579
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46003B0702/00M000 | Flanders | 975 m² | 1 · 101 m² | 6.9 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.
Similar companies · same sector, comparable size
CBO Beheer
BE 0676.773.156
Balen · Eq €87,621
JAKERI
BE 0479.159.016
Peer · Eq €87,607
TIPSY CAKE
BE 0648.815.974
Knokke-Heist · Eq €87,597
Mobio Consult
BE 0719.429.994
Nazareth-De Pinte · Eq €87,592
JILYBRI
BE 0833.735.289
Schilde · Eq €87,580
Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 12,005 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
Founded21-04-2022
Fiscal year end30-06
Activities, NACEBEL 2025
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.