BALMORAL BEHEER
ActiveSummary
BALMORAL BEHEER has been active since 1998 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €60k and a net result of €-3k. Equity remains stable across the filed fiscal years (±2.1% per year). Its solvency ranks better than 86% of 3291 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability64▼-8
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days acceptable
Liquidity ample (current ratio 4.62 against 4.94 in 2024; short-term debt: 14.8% and cash: 0.1% of total assets), and 14.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
85.2%
Return on assets
-3.7%
Age of the figures
9 mo
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 13-07-2026, 18 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
18 d early
2024
6 d early
2023
54 d late
2022
38 d early
2021
2 d early
2020
18 d early
2019
12 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, abbreviated schema
Equity
€60k▼ 4.2%
2024 · €62k
2018: €46k
2019: €62k
2020: €42k
2021: €63k
2022: €49k
2023: €60k
2024: €62k
2018 → 2025
Total assets
€70k▼ 0.8%
2024 · €71k
2018: €87k
2019: €78k
2020: €57k
2021: €72k
2022: €56k
2023: €70k
2024: €71k
2018 → 2025
Net result
€-3k
2024 · €2k
2018: €16k
2019: €16k
2020: €-12k
2021: €21k
2022: €-14k
2023: €11k
2024: €2k
2018 → 2025
Working capital
€38k▲ 16.2%
2024 · €32k
2018: €16k
2019: €42k
2020: €28k
2021: €23k
2022: €18k
2023: €22k
2024: €32k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€63k-€49k▼ 22.3%€60k▲ 22.7%€62k▲ 3.2%€60k▼ 4.2%
Operating result€22k-€-14k€13k€4k▼ 69.9%€-2k
Net result€21k-€-14k€11k€2k▼ 82.8%€-3k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €2k after €4k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €70k
Fixed assets
€22k ▼ 26.5%
Current assets
€48k ▲ 18.3%
Equity and liabilities €70k
Equity
€60k ▼ 4.2%
Debt
€10k ▲ 24.5%
Debt's share of the balance-sheet total rises from 11.8% to 14.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€6k▼
2024 · €12k
Cash flow
€5k▼
2024 · €10k
Current ratio
4.62▼
2024 · 4.94
Debt to equity
0.17▲
2024 · 0.13
ROE
-4.3%▼
2024 · 3.1%
ROA
-3.7%▼
2024 · 2.7%
Interest coverage
9.86▼
2024 · 24.75
Debt ≤ 1 year
€10k▲
2024 · €8k
Income taxes
€1k▼
2024 · €3k
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 · 39 lines
Balance sheet
Code20242025
Assets
Total assets20/58€71k€70k▼
Fixed assets21/28€30k€22k▼
Tangible fixed assets22/27€30k€22k▼
Furniture and vehicles24€30k€22k▼
Current assets29/58€41k€48k▲
Amounts receivable within one year40/41€40k€48k▲
Trade receivables40€10k€10k=
Other amounts receivable41€30k€38k▲
Cash at bank and in hand54/58€44€56▲
Equity and liabilities
Total equity and liabilities10/49€71k€70k▼
Equity10/15€62k€60k▼
Contributions10/11€45k€45k=
Reserves13€80k€80k=
Distributable reserves133€80k€80k=
Profit (loss) carried forward14€-62k€-65k▼
Amounts payable17/49€8k€10k▲
Amounts payable within one year42/48€8k€10k▲
Trade debts44€1k€2k▲
Suppliers440/4€1k€2k▲
Taxes, remuneration and social security45€7k€6k▼
Taxes450/3€7k€6k▼
Other amounts payable47/48-€3k
Accrued charges and deferred income492/3€117€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€8k=
Other operating charges640/8€769€663▼
Non-recurring operating charges66A€0-
Gross operating margin9900€13k€6k▼
Operating profit (loss)9901€4k€-2k▼
Financial income75/76B€2k€2k▲
Recurring financial income75€2k€2k▲
Financial charges65/66B€481€558▲
Recurring financial charges65€481€558▲
Profit (loss) for the period before taxes9903€5k€-1k▼
Income taxes67/77€3k€1k▼
Profit (loss) for the period9904€2k€-3k▼
Profit (loss) for the period to be appropriated9905€2k€-3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-62k€-65k▼
Profit (loss) brought forward from the previous period14P€-64k€-62k▲
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (6 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
13-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
23-09
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 54 days late
2023
31-12
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
23-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Weakest financial yearnet €-14k ▼166%
Net result drops to €-14k, the lowest in the series; recovery starts the following year.
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Back to profitnet €21k
Net result €21k after one loss-making year.
13-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
12-08
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 12 days late
2019
31-12
Financial
Liquidity triplescurrent ratio 3.67
Current ratio from 1.39 to 3.67; short-term debt falls from €40k to €16k.
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 29 days late
2018
07-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
29-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 29 days late
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, Lanaken · 1 establishment unit since 1998
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.
Ganzepoel 103620 LanakenGround area
1,165 m²
Building footprint
214 m²
Volume, LiDAR
1,470 m³
Parcel 73042B0381/00N000, Flanders · tallest building 10.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Ganzepoel 10, 3620 Lanaken
since 19982.087.516.115
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73042B0381/00N000 | Flanders | 1,165 m² | 1 · 214 m² | 10.0 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
FIDUCIAIRE GENERALE
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JMF
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Oupeye · Eq €59,394
LIONEL WIELEMANS
BE 1010.725.647
Sint-Pieters-Woluwe · Eq €60,067
TIM ANTIERENS
BE 1013.127.584
Middelkerke · Eq €58,998
DAVOS & CM CONSULT
BE 0885.660.676
Sint-Pieters-Woluwe · Eq €58,933
Of 2,267 companies in sector 69209 we hold annual accounts for 1,098. 812 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
Founded03-06-1998
Fiscal year end31-12
Activities, NACEBEL 2025
69209Other tax advisory services
Sources
Crossroads Bank for EnterprisesNational Bank · 27 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.