Summary
BG 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 €143k and a net result of €10k. Equity is growing by ~4% per year across the filed fiscal years. Its solvency ranks better than 76% of 2444 sector peers (fiscal year 2025). The company has been active since 2012 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 11-06-2026, 50 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
50 d early
2024
44 d early
2023
40 d early
2022
18 d early
2021
6 d early
2020
51 d early
2019
30 d early
← 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€143k▼ 7.8%
2024 · €155k
2018: €126k
2019: €121k
2020: €111k
2021: €117k
2022: €125k
2023: €128k
2024: €155k
2018 → 2025
Net result
€10k▼ 64.2%
2024 · €28k
2018: €5k
2019: €-6k
2020: €-9k
2021: €6k
2022: €8k
2023: €3k
2024: €28k
2018 → 2025
Total assets
€185k▲ 2.4%
2024 · €180k
2018: €129k
2019: €126k
2020: €167k
2021: €166k
2022: €162k
2023: €156k
2024: €180k
2018 → 2025
Solvency
77.3%▼ 8.5pp
2024 · 85.8%
2018: 97.8%
2019: 95.5%
2020: 66.6%
2021: 70.7%
2022: 77.2%
2023: 82.0%
2024: 85.8%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€117k-€125k▲ 6.5%€128k▲ 2.3%€155k▲ 21.0%€143k▼ 7.8%
Operating result€-465-€9k€3k▼ 69.5%€32k▲ 1,032%€13k▼ 57.8%
Net result€6k-€8k▲ 26.6%€3k▼ 61.7%€28k▲ 849%€10k▼ 64.2%
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 58% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €185k
Fixed assets
€57k ▼ 26.4%
Current assets
€128k ▲ 24.1%
Equity and liabilities €185k
Equity
€143k ▼ 7.8%
Provisions
€2k ▼ 26.0%
Debt
€40k ▲ 75.5%
Debt's share of the balance-sheet total rises from 12.6% to 21.6%. Equity is lower and debt is higher.
Key figures and ratios
ROE
6.9%▼
2024 · 17.8%
ROA
5.4%▼
2024 · 15.3%
Debt ≤ 1 year
€39k▲
2024 · €22k
Income taxes
€5k▲
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 · 54 lines
Balance sheet
Code20242025
Assets
Total assets20/58€180k€185k▲
Fixed assets21/28€77k€57k▼
Tangible fixed assets22/27€77k€57k▼
Furniture and vehicles24€77k€57k▼
Current assets29/58€103k€128k▲
Amounts receivable within one year40/41€69k€37k▼
Trade receivables40€11k€2k▼
Other amounts receivable41€59k€36k▼
Current investments50/53€11k€11k=
Cash at bank and in hand54/58€19k€76k▲
Deferred charges and accrued income490/1€4k€3k▼
Equity and liabilities
Total equity and liabilities10/49€180k€185k▲
Equity10/15€155k€143k▼
Contributions10/11€6k€6k=
Reserves13€148k€136k▼
Tax-exempt reserves132€12k€9k▼
Distributable reserves133€137k€128k▼
Profit (loss) carried forward14€0€0=
Provisions and deferred taxes16€3k€2k▼
Deferred taxes168€3k€2k▼
Amounts payable17/49€23k€40k▲
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€22k€39k▲
Current portion of amounts payable after more than one year42€969€0▼
Trade debts44€1€178▲
Suppliers440/4€1€178▲
Taxes, remuneration and social security45€4k€13k▲
Taxes450/3€4k€13k▲
Other amounts payable47/48€17k€26k▲
Accrued charges and deferred income492/3€619€629▲
Income statement
Code20242025
Non-recurring operating income76A€15k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€20k▲
Other operating charges640/8€1k€1k▲
Gross operating margin9900€49k€35k▼
Operating profit (loss)9901€32k€13k▼
Financial income75/76B€2k€1k▼
Recurring financial income75€2k€1k▼
Financial charges65/66B€356€270▼
Recurring financial charges65€356€270▼
Profit (loss) for the period before taxes9903€33k€15k▼
Transfer from deferred taxes780€115€750▲
Transfer to deferred taxes680€3k€0▼
Income taxes67/77€3k€5k▲
Profit (loss) for the period9904€28k€10k▼
Transfer from tax-exempt reserves789€459€3k▲
Transfer to tax-exempt reserves689€12k€0▼
Profit (loss) for the period to be appropriated9905€16k€13k▼
Appropriation of the result
Profit (loss) to be appropriated9906€16k€13k▼
Transfer from equity791/2€800€22k▲
Transfer to equity691/2€16k€13k▼
To other reserves6921€16k€13k▼
Profit to be distributed694/7€800€22k▲
Return on contributions (dividend)694€800€22k▲
The notes to these accounts (7 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
11-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
17-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €28k ▲849%
Operating result €32k, net result €28k, both a record.
31-12
Financial
Equity above €150kEq €155k ▲21%
4 profitable years in a row build equity to €155k.
21-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
13-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
25-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €6k
Net result €6k after 2 loss-making years.
10-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €-9k
Net result drops to €-9k, the lowest in the series; recovery starts the following year.
01-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
24-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
20-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 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
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, Mortsel · 1 establishment unit since 2012
Ground area
380 m²
Building footprint
124 m²
Volume, LiDAR
787 m³
Parcel 11513C0460/00T000, Flanders · tallest building 11.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
BG bvba
since 20122.207.926.767
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11513C0460/00T000 | Flanders | 380 m² | 1 · 124 m² | 11.4 m · 3 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 853 companies in sector 66210 we hold annual accounts for 511. 442 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
Founded19-03-2012
Fiscal year end31-12
Activities, NACEBEL 2025
66210Risk and damage evaluation
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.