Summary
BUY - AID 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 €597k and a net result of €-43k. Equity is shrinking by ~2.6% per year across the filed fiscal years. Its solvency ranks better than 40% of 2394 sector peers (fiscal year 2025). The company has been active since 2001 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 · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
31 d late
2024
201 d late
2023
142 d late
2022
95 d late
2021
44 d late
2020
31 d late
2019
8 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, full schema
Equity
€597k▼ 6.6%
2024 · €640k
2018: €702k
2019: €724k
2020: €721k
2021: €720k
2022: €624k
2023: €665k
2024: €640k
2018 → 2025
Net result
€-43k▼ 74.0%
2024 · €-24k
2018: €28k
2019: €22k
2020: €-3k
2021: €-1k
2022: €-96k
2023: €41k
2024: €-24k
2018 → 2025
Total assets
€1.21M▲ 1.4%
2024 · €1.19M
2018: €1.32M
2019: €1.34M
2020: €1.31M
2021: €1.34M
2022: €1.29M
2023: €1.18M
2024: €1.19M
2018 → 2025
Solvency
49.4%▼ 4.2pp
2024 · 53.6%
2018: 53.2%
2019: 54.2%
2020: 55.0%
2021: 53.9%
2022: 48.3%
2023: 56.4%
2024: 53.6%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€720k-€624k▼ 13.3%€665k▲ 6.5%€640k▼ 3.7%€597k▼ 6.6%
Operating result€-66-€-94k▼ 142,355%€43k€-8k€-19k▼ 128%
Net result€-1k-€-96k▼ 7,459%€41k€-24k€-43k▼ 74.0%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €19k in 2025 against €8k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.21M
Fixed assets
€6k ▼ 60.6%
Current assets
€1.20M ▲ 2.1%
Equity and liabilities €1.21M
Equity
€597k ▼ 6.6%
Debt
€612k ▲ 10.7%
Debt's share of the balance-sheet total rises from 46.4% to 50.6%. Equity is lower and debt is higher.
Key figures and ratios
ROE
-7.1%▼
2024 · -3.8%
ROA
-3.5%▼
2024 · -2.0%
Debt ≤ 1 year
€612k▲
2024 · €553k
Staff costs
€410k▲
2024 · €381k
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 · 49 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.19M€1.21M▲
Fixed assets21/28€15k€6k▼
Tangible fixed assets22/27€9k€200▼
Furniture and vehicles24€9k€200▼
Financial fixed assets28€6k€6k=
Current assets29/58€1.18M€1.20M▲
Stocks and contracts in progress3€90k€119k▲
Stocks30/36€90k€119k▲
Amounts receivable within one year40/41€1.05M€1.04M▼
Trade receivables40€99k€100k▲
Other amounts receivable41€951k€940k▼
Cash at bank and in hand54/58€7k€32k▲
Deferred charges and accrued income490/1€32k€12k▼
Equity and liabilities
Total equity and liabilities10/49€1.19M€1.21M▲
Equity10/15€640k€597k▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€6k€6k=
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Profit (loss) carried forward14€572k€529k▼
Amounts payable17/49€553k€612k▲
Amounts payable within one year42/48€553k€612k▲
Financial debts43€279k€311k▲
Credit institutions430/8€279k€311k▲
Trade debts44€139k€222k▲
Suppliers440/4€139k€222k▲
Taxes, remuneration and social security45€33k€78k▲
Taxes450/3€2k€6k▲
Remuneration and social security454/9€31k€71k▲
Other amounts payable47/48€101k€1k▼
Income statement
Code20242025
Remuneration, social security and pensions62€381k€410k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€6k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€1k-
Other operating charges640/8€5k€1k▼
Non-recurring operating charges66A-€620
Gross operating margin9900€382k€398k▲
Operating profit (loss)9901€-8k€-19k▼
Financial income75/76B€9k€72▼
Recurring financial income75€9k€72▼
Financial charges65/66B€25k€23k▼
Recurring financial charges65€25k€23k▼
Profit (loss) for the period before taxes9903€-24k€-43k▼
Profit (loss) for the period9904€-24k€-43k▼
Profit (loss) for the period to be appropriated9905€-24k€-43k▼
Appropriation of the result
Profit (loss) to be appropriated9906€572k€529k▼
Profit (loss) brought forward from the previous period14P€596k€572k▼
Social balance
Average headcount (FTE)908711.812.3▲
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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 31 days late
17-02
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 201 days late
2024
20-12
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 142 days late
2023
31-12
Financial
Back to profitnet €41k
Net result €41k after 3 loss-making years.
03-11
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 95 days late
2022
31-12
Financial
Weakest financial yearnet €-96k
Net result drops to €-96k, the lowest in the series; recovery starts the following year.
13-09
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 44 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
23-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
25-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
19-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
11-07
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
4 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, Gent · 1 establishment unit since 2001
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.
Kerkstraat 1069050 GentGround area
3,980 m²
Building footprint
2,501 m²
Volume, LiDAR
22,745 m³
Parcel 44362B0014/00Y002, Flanders · tallest building 14.9 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Kerkstraat 106, 9050 Gent
since 20012.101.413.740
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44362B0014/00Y002 | Flanders | 3,980 m² | 1 · 2,501 m² | 14.9 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.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 2,663 EUR awarded · 2,663 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 2,663 EUR | 2,663 EUR |
Schemes
Vlaams opleidingsverlof (VOV)
Recognitions · licences · registrations
Food safety, FASFC
1 siteGent2.101.413.740
Similar companies · same sector, comparable size
JOURQUIN Pauline
BE 0691.895.159
Ath · Eq €596k
PI CAPITAL FUND
BE 0630.730.523
Schilde · Eq €592k
MICAMA
BE 0691.887.538
Lochristi · Eq €604k
Crédior
BE 0402.268.304
Theux · Eq €591k
CD Farma
BE 0646.871.620
Zandhoven · Eq €606k
Of 807 companies in sector 64999 we hold annual accounts for 484. 282 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 formPublic limited company
Founded22-08-2001
Fiscal year end31-12
Activities, NACEBEL 2025
64999Other financial services
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.