Summary
C&MORE is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €101k and a net result of €14k. Equity is growing by ~18.1% per year across the filed fiscal years. Its solvency ranks better than 64% of 9863 sector peers (fiscal year 2024). The company has been active since 2016 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 · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 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 · 8 filingsDeviation from the deadline
2025
not confirmed
2024
29 d late
2023
29 d late
2022
31 d late
2021
30 d late
2020
31 d late
2019
34 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€101k▲ 16.4%
2023 · €87k
2018: €38k
2019: €42k
2020: €48k
2021: €23k
2022: €68k
2023: €87k
2018 → 2024
Net result
€14k▼ 24.9%
2023 · €19k
2018: €12k
2019: €5k
2020: €6k
2021: €-25k
2022: €45k
2023: €19k
2018 → 2024
Total assets
€147k▲ 10.7%
2023 · €133k
2018: €61k
2019: €80k
2020: €87k
2021: €60k
2022: €97k
2023: €133k
2018 → 2024
Solvency
68.5%▲ 3.3pp
2023 · 65.2%
2018: 61.8%
2019: 53.1%
2020: 55.5%
2021: 38.1%
2022: 69.8%
2023: 65.2%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€48k-€23k▼ 52.5%€68k▲ 196%€87k▲ 27.9%€101k▲ 16.4%
Operating result€11k-€-24k€54k€29k▼ 47.2%€22k▼ 21.8%
Net result€6k-€-25k€45k€19k▼ 57.9%€14k▼ 24.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2024 is 22% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €147k
Fixed assets
€3k ▲ 822%
Current assets
€144k ▲ 9.0%
Equity and liabilities €147k
Equity
€101k ▲ 16.4%
Debt
€46k ▲ 0.1%
Debt's share of the balance-sheet total falls from 34.8% to 31.5%. Equity and debt are higher.
Key figures and ratios
ROE
14.1%▼
2023 · 21.8%
ROA
9.6%▼
2023 · 14.2%
Debt ≤ 1 year
€46k▼
2023 · €46k
Income taxes
€7k▼
2023 · €8k
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 · 2024 against 2023 · 42 lines
Balance sheet
Code20232024
Assets
Total assets20/58€133k€147k▲
Fixed assets21/28€282€3k▲
Tangible fixed assets22/27€282€3k▲
Plant, machinery and equipment23€282€3k▲
Current assets29/58€133k€144k▲
Amounts receivable within one year40/41€15k€16k▲
Trade receivables40€11k€11k▼
Other amounts receivable41€3k€6k▲
Current investments50/53-€62k
Cash at bank and in hand54/58€118k€66k▼
Deferred charges and accrued income490/1€295€300▲
Equity and liabilities
Total equity and liabilities10/49€133k€147k▲
Equity10/15€87k€101k▲
Contributions10/11€12k€12k=
Reserves13€74k€88k▲
Non-distributable reserves130/1€2k-
Reserves not available under the articles1311€2k-
Distributable reserves133€72k€88k▲
Amounts payable17/49€46k€46k▲
Amounts payable within one year42/48€46k€46k▼
Trade debts44€4k€2k▼
Suppliers440/4€4k€2k▼
Taxes, remuneration and social security45€7k€22k▲
Taxes450/3€4k€4k▲
Remuneration and social security454/9€3k€18k▲
Other amounts payable47/48€35k€22k▼
Accrued charges and deferred income492/3€530€655▲
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€358€536▲
Other operating charges640/8€790€814▲
Gross operating margin9900€30k€24k▼
Operating profit (loss)9901€29k€22k▼
Financial income75/76B€115€1k▲
Recurring financial income75€115€1k▲
Financial charges65/66B€1k€3k▲
Recurring financial charges65€1k€3k▲
Profit (loss) for the period before taxes9903€27k€21k▼
Income taxes67/77€8k€7k▼
Profit (loss) for the period9904€19k€14k▼
Profit (loss) for the period to be appropriated9905€19k€14k▼
Appropriation of the result
Profit (loss) to be appropriated9906€19k€14k▼
Transfer to equity691/2€19k€14k▼
To other reserves6921€19k€14k▼
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
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Equity above €100kEq €101k ▲16.4%
3 profitable years in a row build equity to €101k.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
31-12
Financial
Back to profitnet €45k
Net result €45k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 3.30
Current ratio from 1.58 to 3.30; short-term debt falls from €37k to €29k.
30-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 30 days late
2021
31-12
Financial
Weakest financial yearnet €-25k ▼532%
Net result drops to €-25k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
03-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 34 days late
2019
23-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 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
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, Antwerpen · 1 establishment unit since 2017
Ground area
315 m²
Building footprint
80 m²
Volume, LiDAR
513 m³
Parcel 11363E0132/00G000, Flanders · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
C&MORE
since 20172.259.487.514
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11363E0132/00G000 | Flanders | 315 m² | 1 · 80 m² | 9.2 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.
Recognitions · licences · registrations
Legal Entity Identifier
6994007GL75PYJ140B17
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 12,334 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
Founded20-12-2016
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
70200Business and other management consultancy
73110Advertising agencies
73300Public relations and communication consultancy
74201Photography, excluding press photography
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.