Summary
CONVENTUM 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 €299k and a net result of €-2k. Equity is shrinking by ~5.9% per year across the filed fiscal years. Its solvency ranks better than 29% of 5527 sector peers (fiscal year 2025). The company has been active since 1990 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 31-12-2025 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
27 d late
2023
29 d late
2022
31 d late
2021
31 d late
2020
31 d late
2019
31 d late
← 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€299k▼ 0.5%
2024 · €301k
2018: €418k
2019: €378k
2020: €368k
2021: €339k
2022: €320k
2023: €301k
2024: €301k
2018 → 2025
Net result
€-2k
2024 · €457
2018: €-43k
2019: €-40k
2020: €-10k
2021: €-29k
2022: €-19k
2023: €-19k
2024: €457
2018 → 2025
Total assets
€1.05M▼ 1.0%
2024 · €1.06M
2018: €960k
2019: €907k
2020: €1.06M
2021: €1.14M
2022: €1.12M
2023: €1.07M
2024: €1.06M
2018 → 2025
Solvency
28.6%▲ 0.1pp
2024 · 28.5%
2018: 43.5%
2019: 41.7%
2020: 34.9%
2021: 29.7%
2022: 28.6%
2023: 28.0%
2024: 28.5%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€339k-€320k▼ 5.7%€301k▼ 6.1%€301k▲ 0.2%€299k▼ 0.5%
Operating result€-5k-€6k€6k▲ 0.4%€25k▲ 349%€24k▼ 5.9%
Net result€-29k-€-19k▲ 32.9%€-19k▼ 0.2%€457€-2k
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 falls in 2025; 2025 is 6% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.05M
Fixed assets
€1.02M ▼ 1.7%
Current assets
€30k ▲ 33.8%
Equity and liabilities €1.05M
Equity
€299k ▼ 0.5%
Debt
€746k ▼ 1.2%
Debt's share of the balance-sheet total falls from 71.5% to 71.4%. Equity and debt are lower.
Key figures and ratios
ROE
-0.5%▼
2024 · 0.2%
ROA
-0.2%▼
2024 · 0.0%
Debt ≤ 1 year
€612k▲
2024 · €589k
Debt > 1 year
€126k▼
2024 · €153k
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 · 42 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.06M€1.05M▼
Fixed assets21/28€1.03M€1.02M▼
Tangible fixed assets22/27€1.03M€1.02M▼
Land and buildings22€1.03M€1.02M▼
Current assets29/58€22k€30k▲
Amounts receivable within one year40/41€3k€32▼
Trade receivables40€3k€0▼
Other amounts receivable41€23€32▲
Cash at bank and in hand54/58€17k€28k▲
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€1.06M€1.05M▼
Equity10/15€301k€299k▼
Contributions10/11€505k€505k=
Capital10€505k€505k=
Issued capital100€505k€505k=
Revaluation surpluses12€438k€438k=
Profit (loss) carried forward14€-642k€-643k▼
Amounts payable17/49€755k€746k▼
Amounts payable after more than one year17€153k€126k▼
Financial debts170/4€153k€126k▼
Amounts payable within one year42/48€589k€612k▲
Current portion of amounts payable after more than one year42€26k€27k▲
Trade debts44€2k€199▼
Suppliers440/4€2k€199▼
Taxes, remuneration and social security45€788€114▼
Taxes450/3€788€114▼
Other amounts payable47/48€560k€585k▲
Accrued charges and deferred income492/3€13k€8k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€40k€39k▼
Other operating charges640/8€9k€9k▲
Gross operating margin9900€74k€72k▼
Operating profit (loss)9901€25k€24k▼
Financial income75/76B€186€29▼
Recurring financial income75€186€29▼
Financial charges65/66B€25k€25k▲
Recurring financial charges65€25k€25k▲
Profit (loss) for the period before taxes9903€457€-2k▼
Income taxes67/77€0-
Profit (loss) for the period9904€457€-2k▼
Profit (loss) for the period to be appropriated9905€457€-2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-642k€-643k▼
Profit (loss) brought forward from the previous period14P€-642k€-642k▲
The notes to these accounts (11 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 · abbreviated schema · 31 days late
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
31-12
Financial
Back to profitnet €457
Net result €457 after 6 loss-making years.
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
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 31 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 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
6 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, Koksijde · 1 establishment unit since 1990
Ground area
104 m²
Building footprint
104 m²
Volume, LiDAR
451 m³
Parcel 38014F0145/00B000, Flanders · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Zeeconvent
since 19902.049.049.774
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38014F0145/00B000 | Flanders | 103 m² | 1 · 103 m² | 7.8 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
875500O31AD5HRZX5U13
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Of 24,727 companies in sector 64210 we hold annual accounts for 19,768. 13,773 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
Founded09-07-1990
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 35 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.