Summary
B3B 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 €4.12M and a net result of €3k. Equity remains stable across the filed fiscal years (±0.9% per year). Its solvency ranks better than 55% of 2394 sector peers (fiscal year 2025). 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 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 31-12-2025 was due by 31-07-2026 and was filed on 23-07-2026, 8 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
8 d early
2024
2 d early
2023
33 d early
2022
25 d early
2021
22 d late
2020
30 d late
2019
34 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Equity
€4.12M▲ 0.1%
2024 · €4.11M
2018: €9.57M
2019: €9.57M
2020: €4.10M
2021: €4.13M
2022: €4.19M
2023: €4.19M
2024: €4.11M
2018 → 2025
Net result
€3k
2024 · €-81k
2018: €6k
2019: €8k
2020: €63k
2021: €29k
2022: €59k
2023: €9k
2024: €-81k
2018 → 2025
Total assets
€6.10M▼ 0.7%
2024 · €6.15M
2018: €11.91M
2019: €11.59M
2020: €6.18M
2021: €6.17M
2022: €6.11M
2023: €6.10M
2024: €6.15M
2018 → 2025
Solvency
67.4%▲ 0.5pp
2024 · 66.9%
2018: 80.3%
2019: 82.6%
2020: 66.3%
2021: 66.9%
2022: 68.4%
2023: 68.8%
2024: 66.9%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€364k-€381k▲ 4.6%€456k▲ 19.8%€391k▼ 14.4%€350k▼ 10.5%
Equity€4.13M-€4.19M▲ 1.4%€4.19M▲ 0.2%€4.11M▼ 1.9%€4.12M▲ 0.1%
Operating result€43k-€82k▲ 89.9%€16k▼ 80.4%€-80k€4k
Net result€29k-€59k▲ 104%€9k▼ 85.1%€-81k€3k
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €4k after a loss of €80k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €6.10M
Fixed assets
€5.58M =
Current assets
€524k ▼ 7.9%
Equity and liabilities €6.10M
Equity
€4.12M ▲ 0.1%
Debt
€1.99M ▼ 2.3%
Debt's share of the balance-sheet total falls from 33.1% to 32.6%. Equity is higher and debt is lower.
Key figures and ratios
ROE
0.1%▲
2024 · -2.0%
ROA
0.0%▲
2024 · -1.3%
Debt ≤ 1 year
€1.99M▼
2024 · €2.04M
Income taxes
€75▼
2024 · €80
Staff costs
€98k▼
2024 · €220k
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 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€6.15M€6.10M▼
Fixed assets21/28€5.58M€5.58M=
Financial fixed assets28€5.58M€5.58M=
Affiliated companies280/1€5.58M€5.58M=
Participating interests280€5.58M€5.58M=
Current assets29/58€569k€524k▼
Amounts receivable within one year40/41€546k€518k▼
Trade receivables40€270k€241k▼
Other amounts receivable41€277k€277k=
Cash at bank and in hand54/58€18k€3k▼
Deferred charges and accrued income490/1€5k€3k▼
Equity and liabilities
Total equity and liabilities10/49€6.15M€6.10M▼
Equity10/15€4.11M€4.12M▲
Contributions10/11€4.02M€4.02M=
Reserves13€173k€173k=
Distributable reserves133€173k€173k=
Profit (loss) carried forward14€-81k€-78k▲
Amounts payable17/49€2.04M€1.99M▼
Amounts payable within one year42/48€2.04M€1.99M▼
Trade debts44€114k€4k▼
Suppliers440/4€114k€4k▼
Taxes, remuneration and social security45€27k€23k▼
Taxes450/3€7k€13k▲
Remuneration and social security454/9€19k€10k▼
Other amounts payable47/48€1.90M€1.96M▲
Income statement
Code20242025
Operating income70/76A€393k€357k▼
Turnover70€391k€350k▼
Other operating income74€3k€2k▼
Non-recurring operating income76A-€5k
Operating charges60/66A€473k€353k▼
Services and other goods61€252k€254k▲
Remuneration, social security and pensions62€220k€98k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16-
Other operating charges640/8€1k€2k▲
Operating profit (loss)9901€-80k€4k▲
Financial charges65/66B€523€910▲
Recurring financial charges65€523€910▲
Debt charges650€523€910▲
Profit (loss) for the period before taxes9903€-81k€3k▲
Income taxes67/77€80€75▼
Taxes670/3€80€75▼
Profit (loss) for the period9904€-81k€3k▲
Profit (loss) for the period to be appropriated9905€-81k€3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-81k€-78k▲
Profit (loss) brought forward from the previous period14P-€-81k
Social balance
Average headcount (FTE)90872.11.5▼
The notes to these accounts (27 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
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
29-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Weakest financial yearnet €-81k ▼1024%
Net result drops to €-81k, the lowest in the series; recovery starts the following year.
28-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
06-07
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 22 days late
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 30 days late
2020
31-12
Financial
Highest result since 2018net €63k ▲709%
Operating result €87k, net result €63k, both a record.
03-09
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 34 days late
2019
04-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
07-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 7 days late
2017
03-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 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, Sint-Truiden · 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.
Nijverheidslaan 54853800 Sint-TruidenGround area
1.1 ha
Building footprint
6,064 m²
Volume, LiDAR
53,772 m³
Parcel 71352D0269/00Z000, Flanders · tallest building 12.9 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
B3B
since 20152.247.297.879
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71352D0269/00Z000 | Flanders | 1.1 ha | 1 · 6,064 m² | 12.9 m · 4 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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Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 8,749 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
Founded12-11-2015
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
70100Activities of head offices
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.