Doq Management 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 €218k and a net result of €-4k. Equity remains stable across the filed fiscal years (±0.3% per year). Its solvency ranks better than 14% of 5498 sector peers (fiscal year 2025). The company has been active since 2020 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 31-12-2025 was due by 31-07-2026 and was filed on 15-07-2026, 16 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
16 d early
2024
21 d early
2023
13 d late
2022
30 d late
2021
19 d late
← before the deadline
after the deadline →
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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€218k▼ 1.9%
2024 · €222k
2021: €11k
2022: €256k
2023: €259k
2024: €222k
2021 → 2025
Net result
€-4k▲ 88.4%
2024 · €-37k
2021: €9k
2022: €-3k
2023: €3k
2024: €-37k
2021 → 2025
Total assets
€1.81M▲ 6.2%
2024 · €1.70M
2021: €56k
2022: €1.72M
2023: €1.79M
2024: €1.70M
2021 → 2025
Solvency
12.0%▼ 1.0pp
2024 · 13.0%
2021: 19.6%
2022: 14.9%
2023: 14.5%
2024: 13.0%
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€11k-€256k▲ 2,232%€259k▲ 1.4%€222k▼ 14.3%€218k▼ 1.9%
Operating result€14k-€4k▼ 70.5%€110k▲ 2,611%€38k▼ 65.4%€60k▲ 59.0%
Net result€9k-€-3k€3k€-37k€-4k▲ 88.4%
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 59% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.81M
Fixed assets
€1.65M=
Current assets
€159k▲ 196%
Equity and liabilities €1.81M
Equity
€218k▼ 1.9%
Debt
€1.59M▲ 7.4%
The debt ratio rises from 87.0% to 88.0%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
12.0%▼
2024 · 13.0%
ROE
-2.0%▲
2024 · -16.7%
ROA
-0.2%▲
2024 · -2.2%
Debt
€1.59M▲
2024 · €1.48M
Debt ≤ 1 year
€627k▲
2024 · €331k
Debt > 1 year
€903k▼
2024 · €1.08M
Income taxes
€0▼
2024 · €90
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€1.70M€1.81M▲
Fixed assets21/28€1.65M€1.65M=
Tangible fixed assets22/27€434€78▼
Furniture and vehicles24€434€78▼
Financial fixed assets28€1.65M€1.65M=
Current assets29/58€54k€159k▲
Amounts receivable within one year40/41€52k€151k▲
Trade receivables40€42k€51k▲
Other amounts receivable41€10k€100k▲
Cash at bank and in hand54/58€1k€7k▲
Deferred charges and accrued income490/1€0€750▲
Equity and liabilities
Total equity and liabilities10/49€1.70M€1.81M▲
Equity10/15€222k€218k▼
Contributions10/11€250k€250k=
Profit (loss) carried forward14€-28k€-32k▼
Amounts payable17/49€1.48M€1.59M▲
Amounts payable after more than one year17€1.08M€903k▼
Other amounts payable178/9€1.08M€903k▼
Amounts payable within one year42/48€331k€627k▲
Current portion of amounts payable after more than one year42€320k€465k▲
Trade debts44€522€17k▲
Suppliers440/4€522€17k▲
Taxes, remuneration and social security45€10k€28k▲
Taxes450/3€10k€28k▲
Other amounts payable47/48-€118k
Accrued charges and deferred income492/3€72k€62k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€520€356▼
Other operating charges640/8€1k€2k▲
Gross operating margin9900€40k€63k▲
Operating profit (loss)9901€38k€60k▲
Financial income75/76B€607€750▲
Recurring financial income75€607€750▲
Financial charges65/66B€76k€65k▼
Recurring financial charges65€76k€65k▼
Profit (loss) for the period before taxes9903€-37k€-4k▲
Income taxes67/77€90€0▼
Profit (loss) for the period9904€-37k€-4k▲
Profit (loss) for the period to be appropriated9905€-37k€-4k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-28k€-32k▼
Profit (loss) brought forward from the previous period14P€9k€-28k▼
Social balance
Average headcount (FTE)9087-0.0
The notes to these accounts (16 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
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-37k ▼1167%
Net result drops to €-37k, the lowest in the series; recovery starts the following year.
13-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 13 days late
2023
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
31-12
Financial
Equity above €200kEq €256k ▲2232%
Equity rises from €11k to €256k.
19-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 19 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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Of 24,726 companies in sector 64210 we hold annual accounts for 19,747. 13,540 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-05-2020
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filings
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.