Summary
BONACO Holding 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 €1.08M and a net result of €260k. Equity is growing by ~30.6% per year across the filed fiscal years. Its solvency ranks better than 25% of 8023 sector peers (fiscal year 2025). The company has been active since 2020 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
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 07-04-2026, 115 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
115 d early
2024
on the day
2023
35 d early
2022
27 d early
2021
3 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.08M▼ 11.8%
2024 · €1.23M
2021: €10k
2022: €505k
2023: €1.03M
2024: €1.23M
2021 → 2025
Net result
€260k▲ 29.5%
2024 · €201k
2021: €-70k
2022: €495k
2023: €520k
2024: €201k
2021 → 2025
Total assets
€5.21M▼ 3.9%
2024 · €5.42M
2021: €5.37M
2022: €5.49M
2023: €5.60M
2024: €5.42M
2021 → 2025
Solvency
20.7%▼ 1.9pp
2024 · 22.6%
2021: 0.2%
2022: 9.2%
2023: 18.3%
2024: 22.6%
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€10k-€505k▲ 4,791%€1.03M▲ 103%€1.23M▲ 19.6%€1.08M▼ 11.8%
Operating result€41k-€33k▼ 18.9%€97k▲ 191%€-32k€53k
Net result€-70k-€495k€520k▲ 5.1%€201k▼ 61.4%€260k▲ 29.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €53k after a loss of €32k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €5.21M
Fixed assets
€4.94M =
Current assets
€272k ▼ 43.6%
Equity and liabilities €5.21M
Equity
€1.08M ▼ 11.8%
Debt
€4.13M ▼ 1.6%
Debt's share of the balance-sheet total rises from 77.4% to 79.3%. Equity and debt are lower.
Key figures and ratios
ROE
24.0%▲
2024 · 16.4%
ROA
5.0%▲
2024 · 3.7%
Debt ≤ 1 year
€4.13M▼
2024 · €4.20M
Income taxes
€354▲
2024 · €169
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 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€5.42M€5.21M▼
Fixed assets21/28€4.94M€4.94M=
Tangible fixed assets22/27€0-
Furniture and vehicles24€0-
Financial fixed assets28€4.94M€4.94M=
Current assets29/58€483k€272k▼
Amounts receivable after more than one year29€30k€0▼
Trade receivables290€30k€0▼
Amounts receivable within one year40/41€15k€154k▲
Other amounts receivable41€15k€154k▲
Cash at bank and in hand54/58€156k€117k▼
Deferred charges and accrued income490/1€282k€1k▼
Equity and liabilities
Total equity and liabilities10/49€5.42M€5.21M▼
Equity10/15€1.23M€1.08M▼
Contributions10/11€80k€80k=
Reserves13€1.15M€1.00M▼
Distributable reserves133€1.15M€1.00M▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€4.20M€4.13M▼
Amounts payable after more than one year17€0-
Financial debts170/4€0-
Amounts payable within one year42/48€4.20M€4.13M▼
Current portion of amounts payable after more than one year42€41k€0▼
Trade debts44€509€0▼
Suppliers440/4€509€0▼
Taxes, remuneration and social security45€15k€14k▼
Taxes450/3€15k€14k▼
Other amounts payable47/48€4.14M€4.12M▼
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€0-
Other operating charges640/8€8k€2k▼
Gross operating margin9900€-24k€55k▲
Operating profit (loss)9901€-32k€53k▲
Financial income75/76B€282k€250k▼
Recurring financial income75€282k€250k▼
Financial charges65/66B€49k€43k▼
Recurring financial charges65€49k€43k▼
Profit (loss) for the period before taxes9903€201k€260k▲
Income taxes67/77€169€354▲
Profit (loss) for the period9904€201k€260k▲
Profit (loss) for the period to be appropriated9905€201k€260k▲
Appropriation of the result
Profit (loss) to be appropriated9906€201k€260k▲
Profit (loss) brought forward from the previous period14P€0-
Transfer from equity791/2-€300k
Transfer to equity691/2€201k€155k▼
To other reserves6921€201k€155k▼
Profit to be distributed694/7-€405k
Return on contributions (dividend)694-€405k
The notes to these accounts (5 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
07-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2021net €520k ▲5.1%
Operating result €97k, net result €520k, both a record.
31-12
Financial
Equity above €1MEq €1.03M ▲103%
2 profitable years in a row build equity to €1.03M.
04-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €495k
Net result €495k after one loss-making year.
31-12
Financial
Equity above €500kEq €505k ▲4791%
Equity rises from €10k to €505k.
28-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Wijnegem · 1 establishment unit since 2020
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.
Ertbruggestraat 212110 WijnegemGround area
119 m²
Building footprint
90 m²
Volume, LiDAR
627 m³
Parcel 11050A0303/00A002, Flanders · tallest building 10.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
BONACO Holding
since 20202.299.235.045
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11050A0303/00A002 | Flanders | 119 m² | 1 · 90 m² | 10.3 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 24,725 companies in sector 64210 we hold annual accounts for 19,762. 12,499 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
Founded28-01-2020
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
70100Activities of head offices
70200Business and other management consultancy
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.