BEMACO 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 €325k and a net result of €184k. Equity is growing by ~15.6% per year across the filed fiscal years. Its solvency ranks better than 28% of 5498 sector peers (fiscal year 2025). The company has been active since 2014 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
Three signals. 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 07-01-2026, 24 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
24 d early
2024
24 d early
2023
27 d early
2022
131 d early
2021
27 d early
2020
24 d early
2019
25 d early
← before the deadline
after the deadline →
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 close16-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€325k▼ 61.4%
2024 · €841k
2019: €291k
2020: €319k
2021: €388k
2022: €372k
2023: €539k
2024: €841k
2019 → 2025
Net result
€184k▼ 52.0%
2024 · €382k
2019: €155k
2020: €52k
2021: €89k
2022: €43k
2023: €225k
2024: €382k
2019 → 2025
Total assets
€1.19M▲ 29.1%
2024 · €923k
2019: €614k
2020: €575k
2021: €604k
2022: €559k
2023: €854k
2024: €923k
2019 → 2025
Solvency
27.2%▼ 63.9pp
2024 · 91.1%
2019: 47.3%
2020: 55.5%
2021: 64.3%
2022: 66.7%
2023: 63.1%
2024: 91.1%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€388k-€372k▼ 4.0%€539k▲ 44.7%€841k▲ 56.1%€325k▼ 61.4%
Operating result€116k-€113k▼ 2.8%€296k▲ 163%€354k▲ 19.6%€113k▼ 68.2%
Net result€89k-€43k▼ 51.2%€225k▲ 421%€382k▲ 69.7%€184k▼ 52.0%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 68% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.19M
Fixed assets
€784k▲ 204%
Current assets
€409k▼ 38.5%
Equity and liabilities €1.19M
Equity
€325k▼ 61.4%
Provisions
€21k▼ 5.7%
Debt
€847k▲ 1,313%
The debt ratio rises from 6.5% to 71.0%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
27.2%▼
2024 · 91.1%
ROE
56.5%▲
2024 · 45.5%
ROA
15.4%▼
2024 · 41.4%
Debt
€847k▲
2024 · €60k
Debt ≤ 1 year
€648k▲
2024 · €45k
Debt > 1 year
€199k▲
2024 · €15k
Income taxes
€30k▼
2024 · €66k
Staff costs
€43k▲
2024 · €42k
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€923k€1.19M▲
Fixed assets21/28€258k€784k▲
Tangible fixed assets22/27€148k€673k▲
Land and buildings22€140k€660k▲
Plant, machinery and equipment23€1k€2k▲
Furniture and vehicles24€2k€7k▲
Other tangible fixed assets26€4k€4k=
Financial fixed assets28€111k€111k=
Current assets29/58€665k€409k▼
Amounts receivable within one year40/41€245k€880▼
Trade receivables40€240k€0▼
Other amounts receivable41€5k€880▼
Current investments50/53€149k€149k=
Cash at bank and in hand54/58€272k€259k▼
Deferred charges and accrued income490/1-€174
Equity and liabilities
Total equity and liabilities10/49€923k€1.19M▲
Equity10/15€841k€325k▼
Contributions10/11€19k€19k=
Reserves13€106k€102k▼
Tax-exempt reserves132€104k€100k▼
Distributable reserves133€2k€2k=
Profit (loss) carried forward14€717k€204k▼
Provisions and deferred taxes16€22k€21k▼
Deferred taxes168€22k€21k▼
Amounts payable17/49€60k€847k▲
Amounts payable after more than one year17€15k€199k▲
Financial debts170/4€14k€199k▲
Other amounts payable178/9€130€0▼
Amounts payable within one year42/48€45k€648k▲
Current portion of amounts payable after more than one year42€30k€62k▲
Trade debts44€8k€6k▼
Suppliers440/4€8k€6k▼
Taxes, remuneration and social security45€7k€9k▲
Taxes450/3€0€1k▲
Remuneration and social security454/9€7k€8k▲
Other amounts payable47/48-€572k
Income statement
Code20242025
Non-recurring operating income76A€89k€0▼
Remuneration, social security and pensions62€42k€43k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€82k▲
Other operating charges640/8€2k€3k▲
Gross operating margin9900€408k€241k▼
Operating profit (loss)9901€354k€113k▼
Financial income75/76B€80k€107k▲
Recurring financial income75€80k€107k▲
Financial charges65/66B€-37k€8k▲
Recurring financial charges65€-37k€8k▲
Profit (loss) for the period before taxes9903€471k€212k▼
Transfer from deferred taxes780€24€1k▲
Transfer to deferred taxes680€22k€0▼
Income taxes67/77€66k€30k▼
Profit (loss) for the period9904€382k€184k▼
Transfer from tax-exempt reserves789€71€4k▲
Transfer to tax-exempt reserves689€66k€0▼
Profit (loss) for the period to be appropriated9905€316k€187k▼
Appropriation of the result
Profit (loss) to be appropriated9906€797k€904k▲
Profit (loss) brought forward from the previous period14P€481k€717k▲
Profit to be distributed694/7€80k€700k▲
Return on contributions (dividend)694€80k€700k▲
Social balance
Average headcount (FTE)90870.40.4=
The notes to these accounts (15 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
07-01
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
07-01
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-06
Financial
Highest result since 2019net €382k ▲69.7%
Operating result €354k, net result €382k, both a record.
30-06
Financial
Liquidity times 9current ratio 14.66
Current ratio from 1.62 to 14.66; short-term debt falls from €271k to €45k.
04-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-06
Financial
Equity above €500kEq €539k ▲44.7%
5 profitable years in a row build equity to €539k.
2022
22-09
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
30-06
Financial
Weakest financial yearnet €43k ▼51.2%
Net result drops to €43k, the lowest in the series; recovery starts the following year.
04-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
07-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
06-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
08-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
26-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
23-01
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, Schoten · 1 establishment unit since 2014
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.
Dennenlei 412900 SchotenGround area
3,571 m²
Building footprint
328 m²
Volume, LiDAR
1,664 m³
Parcel 11040D0188/00A003, Flanders · tallest building 13.3 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
BEMACO
since 20142.229.052.476
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11040D0188/00A003 | Flanders | 3,571 m² | 1 · 328 m² | 13.3 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
8755007CE65Q6AJJ4396
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Of 24,726 companies in sector 64210 we hold annual accounts for 19,747. 13,760 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-03-2014
Fiscal year end30-06
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.