CEUNY
ActiveCEUNY 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 €613k and a net result of €30k. Equity is growing by ~17.2% per year across the filed fiscal years. Its solvency ranks better than 45% of 5440 sector peers (fiscal year 2025). The company has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals.
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 30-09-2025 was due by 30-04-2026 and was filed on 18-04-2026, 12 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
12 d early
2024
62 d early
2023
1 d early
2022
33 d early
2021
30 d early
2020
on the day
2019
29 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
07-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€613k▲ 5.1%
2024 · €583k
2019: €242k
2020: €289k
2021: €325k
2022: €338k
2023: €568k
2024: €583k
2019 → 2025
Net result
€30k▲ 99.1%
2024 · €15k
2019: €184k
2020: €219k
2021: €247k
2022: €13k
2023: €229k
2024: €15k
2019 → 2025
Total assets
€1.34M▲ 7.8%
2024 · €1.24M
2019: €1.43M
2020: €1.39M
2021: €1.36M
2022: €1.27M
2023: €1.48M
2024: €1.24M
2019 → 2025
Solvency
45.8%▼ 1.2pp
2024 · 46.9%
2019: 16.9%
2020: 20.7%
2021: 23.9%
2022: 26.5%
2023: 38.4%
2024: 46.9%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€325k-€338k▲ 4.1%€568k▲ 67.9%€583k▲ 2.7%€613k▲ 5.1%
Operating result€66k-€38k▼ 42.4%€336k▲ 790%€52k▼ 84.6%€65k▲ 24.6%
Net result€247k-€13k▼ 94.6%€229k▲ 1,608%€15k▼ 93.4%€30k▲ 99.1%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 25% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.34M
Fixed assets
€1.26M▲ 17.3%
Current assets
€76k▼ 54.0%
Equity and liabilities €1.34M
Equity
€613k▲ 5.1%
Provisions
€9k▼ 10.0%
Debt
€717k▲ 10.5%
The debt ratio rises from 52.3% to 53.6%: debt grows faster than equity.
Key figures and ratios
Solvency
45.8%▼
2024 · 46.9%
ROE
4.9%▲
2024 · 2.6%
ROA
2.2%▲
2024 · 1.2%
Debt
€717k▲
2024 · €649k
Debt ≤ 1 year
€361k▲
2024 · €214k
Debt > 1 year
€355k▼
2024 · €435k
Income taxes
€12k▲
2024 · €5k
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€1.24M€1.34M▲
Fixed assets21/28€1.08M€1.26M▲
Tangible fixed assets22/27€951k€1.14M▲
Land and buildings22€950k€1.14M▲
Plant, machinery and equipment23€466-
Financial fixed assets28€126k€126k=
Current assets29/58€165k€76k▼
Amounts receivable within one year40/41€115k€58k▼
Trade receivables40€110k€58k▼
Other amounts receivable41€5k-
Cash at bank and in hand54/58€48k€14k▼
Deferred charges and accrued income490/1€2k€4k▲
Equity and liabilities
Total equity and liabilities10/49€1.24M€1.34M▲
Equity10/15€583k€613k▲
Contributions10/11€19k€19k=
Reserves13€564k€594k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€49k€46k▼
Distributable reserves133€514k€547k▲
Provisions and deferred taxes16€10k€9k▼
Deferred taxes168€10k€9k▼
Amounts payable17/49€649k€717k▲
Amounts payable after more than one year17€435k€355k▼
Financial debts170/4€388k€308k▼
Other amounts payable178/9€47k€47k=
Amounts payable within one year42/48€214k€361k▲
Current portion of amounts payable after more than one year42€98k€79k▼
Financial debts43€8k€8k=
Credit institutions430/8€8k€8k=
Trade debts44€4k€5k▲
Suppliers440/4€4k€5k▲
Taxes, remuneration and social security45€92k€30k▼
Taxes450/3€61k€8k▼
Remuneration and social security454/9€31k€22k▼
Other amounts payable47/48€13k€239k▲
Accrued charges and deferred income492/3-€48
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€41k€51k▲
Other operating charges640/8€6k€7k▲
Gross operating margin9900€99k€123k▲
Operating profit (loss)9901€52k€65k▲
Financial income75/76B€0-
Recurring financial income75€0-
Financial charges65/66B€32k€24k▼
Recurring financial charges65€32k€24k▼
Profit (loss) for the period before taxes9903€19k€41k▲
Transfer from deferred taxes780€993€993=
Income taxes67/77€5k€12k▲
Profit (loss) for the period9904€15k€30k▲
Transfer from tax-exempt reserves789€3k€3k=
Profit (loss) for the period to be appropriated9905€18k€33k▲
Appropriation of the result
Profit (loss) to be appropriated9906€18k€33k▲
Transfer to equity691/2€18k€33k▲
To other reserves6921€18k€33k▲
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 2026, expected by
2026
18-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
27-02
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
29-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-09
Financial
Liquidity times 10current ratio 1.01
Current ratio from 0.10 to 1.01.
30-09
Financial
Equity above €500kEq €568k ▲67.9%
5 profitable years in a row build equity to €568k.
28-03
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-09
Financial
Weakest financial yearnet €13k ▼94.6%
Net result drops to €13k, the lowest in the series; recovery starts the following year.
31-03
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-09
Financial
Highest result since 2019net €247k ▲12.6%
Net result €247k, the highest in the series.
30-04
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
29-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 29 days late
2019
10-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 10 days late
2018
02-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 2 days late
2017
02-05
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 2 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
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Of 24,645 companies in sector 64210 we hold annual accounts for 19,636. 13,410 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded24-12-2007
Fiscal year end30-09
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 07-09-2026. Scores and ratios are computed by Checked and are not a credit decision.