Summary
B & D SERVICES 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 €1.16M and a net result of €87k. Equity is growing by ~6.2% per year across the filed fiscal years. Its solvency ranks better than 79% of 8048 sector peers (fiscal year 2025). The company has been active since 2001 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 check for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
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 30-01-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
1 d early
2023
on the day
2022
5 d early
2021
3 d early
2020
26 d late
2019
on the day
← 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 close25-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.16M▼ 26.3%
2024 · €1.57M
2019: €1.12M
2020: €1.24M
2021: €1.29M
2022: €1.37M
2023: €1.46M
2024: €1.57M
2019 → 2025
Net result
€87k▼ 26.1%
2024 · €117k
2019: €127k
2020: €117k
2021: €58k
2022: €73k
2023: €89k
2024: €117k
2019 → 2025
Total assets
€1.42M▼ 12.7%
2024 · €1.63M
2019: €1.72M
2020: €1.79M
2021: €1.51M
2022: €1.55M
2023: €1.53M
2024: €1.63M
2019 → 2025
Solvency
81.5%▼ 15.0pp
2024 · 96.5%
2019: 65.2%
2020: 69.1%
2021: 85.8%
2022: 88.5%
2023: 95.3%
2024: 96.5%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.29M-€1.37M▲ 5.6%€1.46M▲ 6.5%€1.57M▲ 8.0%€1.16M▼ 26.3%
Operating result€93k-€109k▲ 17.4%€119k▲ 8.6%€147k▲ 24.1%€101k▼ 31.4%
Net result€58k-€73k▲ 25.9%€89k▲ 21.8%€117k▲ 32.3%€87k▼ 26.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 31% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.42M
Fixed assets
€883k ▼ 9.5%
Current assets
€539k ▼ 17.4%
Equity and liabilities €1.42M
Equity
€1.16M ▼ 26.3%
Debt
€263k ▲ 367%
Debt's share of the balance-sheet total rises from 3.5% to 18.5%. Equity is lower and debt is higher.
Key figures and ratios
ROE
7.5%▲
2024 · 7.4%
ROA
6.1%▼
2024 · 7.2%
Debt ≤ 1 year
€245k▲
2024 · €48k
Income taxes
€42k▼
2024 · €52k
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 · 50 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.63M€1.42M▼
Fixed assets21/28€977k€883k▼
Tangible fixed assets22/27€976k€883k▼
Land and buildings22€807k€752k▼
Plant, machinery and equipment23€5k€4k▼
Furniture and vehicles24€165k€128k▼
Financial fixed assets28€135€135=
Current assets29/58€653k€539k▼
Amounts receivable within one year40/41€346k€268k▼
Trade receivables40€16k€16k=
Other amounts receivable41€330k€253k▼
Current investments50/53€100k€0▼
Cash at bank and in hand54/58€141k€220k▲
Deferred charges and accrued income490/1€66k€51k▼
Equity and liabilities
Total equity and liabilities10/49€1.63M€1.42M▼
Equity10/15€1.57M€1.16M▼
Contributions10/11€775k€277k▼
Reserves13€798k€883k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€798k€883k▲
Profit (loss) carried forward14-€0
Amounts payable17/49€56k€263k▲
Amounts payable within one year42/48€48k€245k▲
Current portion of amounts payable after more than one year42€0-
Trade debts44€22k€21k▼
Suppliers440/4€22k€21k▼
Taxes, remuneration and social security45€19k€24k▲
Taxes450/3€19k€24k▲
Other amounts payable47/48€8k€199k▲
Accrued charges and deferred income492/3€8k€18k▲
Income statement
Code20242025
Non-recurring operating income76A€41k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€74k€93k▲
Other operating charges640/8€16k€16k▲
Gross operating margin9900€237k€211k▼
Operating profit (loss)9901€147k€101k▼
Financial income75/76B€23k€42k▲
Recurring financial income75€23k€42k▲
Financial charges65/66B€291€15k▲
Recurring financial charges65€291€15k▲
Profit (loss) for the period before taxes9903€170k€128k▼
Income taxes67/77€52k€42k▼
Profit (loss) for the period9904€117k€87k▼
Profit (loss) for the period to be appropriated9905€117k€87k▼
Appropriation of the result
Profit (loss) to be appropriated9906€117k€87k▼
Transfer from equity791/2-€1k
Transfer to equity691/2€117k€87k▼
To other reserves6921€117k€87k▼
Profit to be distributed694/7-€1k
Return on contributions (dividend)694-€1k
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
2026
30-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Liquidity doublescurrent ratio 10.39
Current ratio from 4.91 to 10.39; short-term debt falls from €127k to €64k.
26-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
28-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Weakest financial yearnet €58k ▼50.6%
Net result drops to €58k, the lowest in the series; recovery starts the following year.
30-06
Financial
Liquidity doublescurrent ratio 4.02
Current ratio from 1.70 to 4.02; short-term debt falls from €412k to €126k.
26-02
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
31-01
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
24-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
26-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
26-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Staden · 1 establishment unit since 2002
Ground area
1,240 m²
Building footprint
237 m²
Volume, LiDAR
1,073 m³
Parcel 36014C0473/00G003, Flanders · tallest building 9.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Penninckstraat(ONK) 2, 8840 Staden
since 20022.114.321.866
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36014C0473/00G003 | Flanders | 1,240 m² | 1 · 237 m² | 9.1 m · 1 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.
Recognitions · licences · registrations
Legal Entity Identifier
254900YITC0XC05YA240
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Of 24,727 companies in sector 64210 we hold annual accounts for 19,768. 12,345 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
Founded23-05-2001
Fiscal year end30-06
Activities, NACEBEL 2025
64210Activities of holding companies
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.