B&S Immo 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 €59k and a net result of €10k. Equity is growing by ~14.5% per year across the filed fiscal years. Its solvency ranks better than 22% of 8018 sector peers (fiscal year 2025). The company has been active since 2010 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 22% of 8018 sector peers (2025).
NBB · sector comparisonPosition among 8018 sector peers
Solvency
better than 22%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-03-2026, 31 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
31 d early
2024
28 d early
2023
1 d early
2022
2 d late
2021
36 d early
2020
35 d early
2019
30 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
22-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€59k▲ 20.3%
2024 · €49k
2018: €21k
2019: €28k
2020: €29k
2021: €32k
2022: €38k
2023: €41k
2024: €49k
2018 → 2025
Net result
€10k▲ 14.7%
2024 · €9k
2018: €4k
2019: €7k
2020: €1k
2021: €3k
2022: €6k
2023: €2k
2024: €9k
2018 → 2025
Total assets
€356k▼ 7.9%
2024 · €386k
2018: €360k
2019: €346k
2020: €338k
2021: €337k
2022: €365k
2023: €408k
2024: €386k
2018 → 2025
Solvency
16.7%▲ 3.9pp
2024 · 12.8%
2018: 5.9%
2019: 8.1%
2020: 8.6%
2021: 9.5%
2022: 10.5%
2023: 10.0%
2024: 12.8%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€32k-€38k▲ 19.8%€41k▲ 6.5%€49k▲ 21.4%€59k▲ 20.3%
Operating result€14k-€21k▲ 43.1%€15k▼ 25.8%€20k▲ 32.5%€20k▲ 1.3%
Net result€3k-€6k▲ 131%€2k▼ 60.9%€9k▲ 253%€10k▲ 14.7%
Turnover and EBIT margin not published: the abbreviated or 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 1% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €356k
Fixed assets
€346k▼ 5.8%
Current assets
€10k▼ 49.2%
Equity and liabilities €356k
Equity
€59k▲ 20.3%
Debt
€296k▼ 12.1%
The debt ratio falls from 87.2% to 83.3%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
16.7%▲
2024 · 12.8%
ROE
16.8%▼
2024 · 17.6%
ROA
2.8%▲
2024 · 2.3%
Debt
€296k▼
2024 · €337k
Debt ≤ 1 year
€180k▼
2024 · €187k
Debt > 1 year
€116k▼
2024 · €150k
Income taxes
€4k▲
2024 · €3k
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€386k€356k▼
Fixed assets21/28€367k€346k▼
Tangible fixed assets22/27€367k€346k▼
Land and buildings22€367k€346k▼
Current assets29/58€19k€10k▼
Amounts receivable within one year40/41€18k€9k▼
Trade receivables40€10k€7k▼
Other amounts receivable41€8k€1k▼
Deferred charges and accrued income490/1€982€1k▲
Equity and liabilities
Total equity and liabilities10/49€386k€356k▼
Equity10/15€49k€59k▲
Contributions10/11€6k€6k=
Reserves13€43k€53k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€41k€51k▲
Amounts payable17/49€337k€296k▼
Amounts payable after more than one year17€150k€116k▼
Financial debts170/4€150k€116k▼
Amounts payable within one year42/48€187k€180k▼
Current portion of amounts payable after more than one year42€35k€34k▼
Financial debts43€2k€979▼
Credit institutions430/8€2k€979▼
Trade debts44€978€567▼
Suppliers440/4€978€567▼
Taxes, remuneration and social security45€2k€2k▲
Taxes450/3€2k€2k▲
Other amounts payable47/48€148k€143k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€22k€21k▼
Other operating charges640/8€2k€2k▲
Gross operating margin9900€44k€44k▼
Operating profit (loss)9901€20k€20k▲
Financial income75/76B€285€507▲
Recurring financial income75€285€507▲
Financial charges65/66B€9k€7k▼
Recurring financial charges65€9k€7k▼
Profit (loss) for the period before taxes9903€12k€14k▲
Income taxes67/77€3k€4k▲
Profit (loss) for the period9904€9k€10k▲
Profit (loss) for the period to be appropriated9905€9k€10k▲
Appropriation of the result
Profit (loss) to be appropriated9906€9k€10k▲
Transfer to equity691/2€9k€10k▲
To other reserves6921€9k€10k▲
The notes to these accounts (5 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
30-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Highest result since 2018net €10k ▲14.7%
Net result €10k, the highest in the series.
02-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
02-05
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 2 days late
2022
25-03
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
26-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-09
Financial
Weakest financial yearnet €1k ▼83.7%
Net result drops to €1k, the lowest in the series; recovery starts the following year.
31-03
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
29-03
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
23-04
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-04
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.
Directors · office · real estate
Directors
3 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, Zonhoven · 1 establishment unit since 2011
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.
Lange Schouwenstraat 113520 ZonhovenGround area
2,070 m²
Building footprint
158 m²
Volume, LiDAR
807 m³
Parcel 71443F0195/00P000, Flanders · tallest building 6.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Lange Schouwenstraat 11, 3520 Zonhoven
since 20112.196.266.476
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71443F0195/00P000 | Flanders | 2,070 m² | 1 · 158 m² | 6.7 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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ZAKENKANTOOR VAN DE PERRE
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Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 10,950 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-12-2010
Fiscal year end30-09
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.