Broject is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2026 annual accounts show equity of €163k and a net result of €63k. Equity is growing by ~35% per year across the filed fiscal years. 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 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 31-03-2026 was due by 31-10-2026 and was filed on 11-09-2026, 50 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2026
50 d early
2025
3 d early
2024
42 d early
2023
1 d early
2022
3 d early
2021
5 d early
2020
40 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2027 and is due by 31-10-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
19-09-2026 today31-03-2027 close31-10-2027 deadline
Financials · fiscal year 2026, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€163k▼ 4.7%
2025 · €171k
2019: €30k
2020: €35k
2021: €51k
2022: €69k
2023: €101k
2024: €145k
2025: €171k
2019 → 2026
Net result
€63k▲ 142%
2025 · €26k
2019: €15k
2020: €6k
2021: €16k
2022: €19k
2023: €34k
2024: €44k
2025: €26k
2019 → 2026
Total assets
€1.03M▼ 3.4%
2025 · €1.07M
2019: €176k
2020: €177k
2021: €179k
2022: €185k
2023: €178k
2024: €746k
2025: €1.07M
2019 → 2026
Solvency
15.8%▼ 0.2pp
2025 · 16.0%
2019: 17.2%
2020: 20.1%
2021: 28.5%
2022: 37.1%
2023: 57.1%
2024: 19.5%
2025: 16.0%
2019 → 2026
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20222023202420252026Trend
Equity€69k-€101k▲ 47.8%€145k▲ 43.3%€171k▲ 17.4%€163k▼ 4.7%
Operating result€31k-€51k▲ 63.3%€69k▲ 35.1%€61k▼ 10.9%€122k▲ 98.1%
Net result€19k-€34k▲ 81.8%€44k▲ 30.8%€26k▼ 40.5%€63k▲ 142%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2026; 2026 is 98% above 2025 and is the highest result in the available series.
Balance-sheet composition
2026 in colour, 2025 as the grey bar beneath
Assets €1.03M
Fixed assets
€859k▼ 2.9%
Current assets
€174k▼ 5.9%
Equity and liabilities €1.03M
Equity
€163k▼ 4.7%
Debt
€870k▼ 3.2%
The debt ratio rises from 84.0% to 84.2%. Equity and debt are lower.
Key figures and ratios
Solvency
15.8%▼
2025 · 16.0%
ROE
38.8%▲
2025 · 15.3%
ROA
6.1%▲
2025 · 2.4%
Debt
€870k▼
2025 · €899k
Debt ≤ 1 year
€262k▲
2025 · €93k
Debt > 1 year
€607k▼
2025 · €806k
Income taxes
€34k▲
2025 · €10k
Staff costs
€44k▲
2025 · €36k
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 · 2026 against 2025
Balance sheet
Code20252026
Assets
Total assets20/58€1.07M€1.03M▼
Fixed assets21/28€884k€859k▼
Tangible fixed assets22/27€670k€645k▼
Land and buildings22€532k€520k▼
Plant, machinery and equipment23€5k€3k▼
Furniture and vehicles24€8k€9k▲
Other tangible fixed assets26€125k€113k▼
Financial fixed assets28€215k€213k▼
Current assets29/58€185k€174k▼
Amounts receivable after more than one year29€129k€153k▲
Other amounts receivable291€129k€153k▲
Amounts receivable within one year40/41€53k€17k▼
Trade receivables40€3k€0▼
Other amounts receivable41€51k€17k▼
Cash at bank and in hand54/58€1k€230▼
Deferred charges and accrued income490/1€2k€4k▲
Equity and liabilities
Total equity and liabilities10/49€1.07M€1.03M▼
Equity10/15€171k€163k▼
Contributions10/11€19k€19k=
Reserves13€142k€134k▼
Distributable reserves133€142k€134k▼
Profit (loss) carried forward14€10k€10k=
Amounts payable17/49€899k€870k▼
Amounts payable after more than one year17€806k€607k▼
Financial debts170/4€508k€452k▼
Other amounts payable178/9€298k€155k▼
Amounts payable within one year42/48€93k€262k▲
Current portion of amounts payable after more than one year42€54k€87k▲
Financial debts43€441€296▼
Credit institutions430/8€441€296▼
Trade debts44€4k€2k▼
Suppliers440/4€4k€2k▼
Taxes, remuneration and social security45€10k€37k▲
Taxes450/3€3k€34k▲
Remuneration and social security454/9€8k€2k▼
Other amounts payable47/48€24k€136k▲
Accrued charges and deferred income492/3-€2k
Income statement
Code20252026
Remuneration, social security and pensions62€36k€44k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€36k€38k▲
Other operating charges640/8€3k€3k▼
Gross operating margin9900€137k€206k▲
Operating profit (loss)9901€61k€122k▲
Financial income75/76B€4k€3k▼
Recurring financial income75€4k€3k▼
Financial charges65/66B€29k€27k▼
Recurring financial charges65€29k€27k▼
Profit (loss) for the period before taxes9903€36k€98k▲
Income taxes67/77€10k€34k▲
Profit (loss) for the period9904€26k€63k▲
Profit (loss) for the period to be appropriated9905€26k€63k▲
Appropriation of the result
Profit (loss) to be appropriated9906€36k€73k▲
Profit (loss) brought forward from the previous period14P€10k€10k=
Transfer from equity791/2-€71k
Transfer to equity691/2€25k€63k▲
To other reserves6921€25k€63k▲
Profit to be distributed694/7€800€71k▲
Return on contributions (dividend)694€800€71k▲
The notes to these accounts (9 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 2027, expected by
2026
11-09
NBB filing
Annual accounts filed
fiscal year 2026 · micro schema
31-03
Financial
Highest result since 2019net €63k ▲142%
Operating result €122k, net result €63k, both a record.
2025
28-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Liquidity triplescurrent ratio 1.99
Current ratio from 0.69 to 1.99; short-term debt falls from €191k to €93k.
31-03
Financial
Equity above €150kEq €171k ▲17.4%
7 profitable years in a row build equity to €171k.
2024
19-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
30-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-03
Financial
Liquidity triplescurrent ratio 2.89
Current ratio from 1.11 to 2.89; short-term debt falls from €48k to €20k.
31-03
Financial
Equity above €100kEq €101k ▲47.8%
5 profitable years in a row build equity to €101k.
2022
28-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
26-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
21-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
31-03
Financial
Weakest financial yearnet €6k ▼60.6%
Net result drops to €6k, the lowest in the series; recovery starts the following year.
2019
13-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
17-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
22-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 8 acts read
About the unread acts
We know of 8 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
8 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, Middelkerke · 2 establishment units since 2012
Ground area
3,683 m²
Building footprint
3,057 m²
Volume, LiDAR
24,322 m³
2 parcels, Flanders · tallest building 18.3 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
Broject
since 20122.205.877.592
Broject
since 20192.357.200.166
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23642D0932/00A000 | Flanders | 3,002 m² | 1 · 2,907 m² | 18.3 m · 3 fl. |
| 35022A0003/00L041 | Flanders | 681 m² | 1 · 150 m² | 5.7 m · 1 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 1,509 companies in sector 66199 we hold annual accounts for 918. 648 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-01-2012
Fiscal year end31-03
Activities, NACEBEL
66199Other activities auxiliary to financial services, excluding insurance and pension funding
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.