Biebra 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 €115k and a net result of €7k. Equity is growing by ~8.7% per year across the filed fiscal years. Its solvency ranks better than 71% 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
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 31-12-2025 was due by 31-07-2026 and was filed on 16-03-2026, 137 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
137 d early
2024
112 d early
2023
27 d late
2022
28 d late
2021
76 d early
2020
39 d early
2019
88 d early
← before the deadline
after the deadline →
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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€115k▲ 6.7%
2024 · €108k
2018: €41k
2019: €63k
2020: €83k
2021: €139k
2022: €136k
2023: €117k
2024: €108k
2018 → 2025
Net result
€7k▲ 730%
2024 · €866
2018: €11k
2019: €22k
2020: €19k
2021: €57k
2022: €-4k
2023: €-2k
2024: €866
2018 → 2025
Total assets
€155k▼ 3.0%
2024 · €160k
2018: €109k
2019: €119k
2020: €144k
2021: €195k
2022: €239k
2023: €179k
2024: €160k
2018 → 2025
Solvency
74.3%▲ 6.8pp
2024 · 67.5%
2018: 37.9%
2019: 52.9%
2020: 57.5%
2021: 71.5%
2022: 56.8%
2023: 65.8%
2024: 67.5%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€139k-€136k▼ 2.7%€117k▼ 13.4%€108k▼ 8.2%€115k▲ 6.7%
Operating result€86k-€4k▼ 95.5%€2k▼ 60.0%€5k▲ 206%€16k▲ 234%
Net result€57k-€-4k€-2k▲ 57.1%€866€7k▲ 730%
Turnover and EBIT margin not published: the 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 234% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €155k
Fixed assets
€8k▼ 38.5%
Current assets
€147k=
Equity and liabilities €155k
Equity
€115k▲ 6.7%
Debt
€40k▼ 23.2%
The debt ratio falls from 32.5% to 25.7%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
74.3%▲
2024 · 67.5%
ROE
6.2%▲
2024 · 0.8%
ROA
4.6%▲
2024 · 0.5%
Debt
€40k▼
2024 · €52k
Debt ≤ 1 year
€37k▲
2024 · €34k
Debt > 1 year
€3k▼
2024 · €18k
Income taxes
€5k▲
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€160k€155k▼
Fixed assets21/28€13k€8k▼
Tangible fixed assets22/27€13k€8k▼
Furniture and vehicles24€13k€8k▼
Current assets29/58€147k€147k=
Amounts receivable within one year40/41€99k€106k▲
Other amounts receivable41€99k€106k▲
Current investments50/53€10k€18k▲
Cash at bank and in hand54/58€32k€20k▼
Deferred charges and accrued income490/1€6k€3k▼
Equity and liabilities
Total equity and liabilities10/49€160k€155k▼
Equity10/15€108k€115k▲
Contributions10/11€7k€7k=
Reserves13€101k€109k▲
Distributable reserves133€101k€109k▲
Amounts payable17/49€52k€40k▼
Amounts payable after more than one year17€18k€3k▼
Financial debts170/4€18k€3k▼
Amounts payable within one year42/48€34k€37k▲
Current portion of amounts payable after more than one year42€14k€15k▲
Trade debts44€4k€6k▲
Suppliers440/4€4k€6k▲
Taxes, remuneration and social security45€15k€16k▲
Taxes450/3€15k€16k▲
Accrued charges and deferred income492/3€27-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k▲
Other operating charges640/8€1k€2k▲
Non-recurring operating charges66A€101€483▲
Gross operating margin9900€10k€22k▲
Operating profit (loss)9901€5k€16k▲
Financial income75/76B€17€2k▲
Recurring financial income75€17€2k▲
Financial charges65/66B€1k€5k▲
Recurring financial charges65€1k€2k▲
Non-recurring financial charges66B-€3k
Profit (loss) for the period before taxes9903€4k€13k▲
Income taxes67/77€3k€5k▲
Profit (loss) for the period9904€866€7k▲
Profit (loss) for the period to be appropriated9905€866€7k▲
Appropriation of the result
Profit (loss) to be appropriated9906€866€7k▲
Transfer from equity791/2€11k-
Transfer to equity691/2€866€7k▲
To other reserves6921€866€7k▲
Profit to be distributed694/7€11k-
Return on contributions (dividend)694€11k-
The notes to these accounts (8 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
16-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
10-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €866
Net result €866 after 2 loss-making years.
27-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 27 days late
2023
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
31-12
Financial
Weakest financial yearnet €-4k ▼107%
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
16-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €57k ▲194%
Operating result €86k, net result €57k, both a record.
31-12
Financial
Equity above €100kEq €139k ▲68.8%
4 profitable years in a row build equity to €139k.
22-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
04-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
22-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 22 days late
2018
12-06
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.
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, Ieper · 1 establishment unit since 2010
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.
Arsenaalstraat 298900 IeperGround area
217 m²
Building footprint
114 m²
Volume, LiDAR
685 m³
Parcel 33011I0305/00C002, Flanders · tallest building 10.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Biebra
since 20102.191.113.204
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 33011I0305/00C002 | Flanders | 217 m² | 1 · 114 m² | 10.6 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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Of 24,728 companies in sector 64210 we hold annual accounts for 19,762. 12,663 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-08-2010
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
68110Buying and selling of own real estate
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.