EL TIPO
ActiveEL TIPO 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 €42k and a net result of €8k. Equity is growing by ~41.7% per year across the filed fiscal years. Its solvency ranks better than 50% of 7865 sector peers (fiscal year 2025). The company has been active since 1995 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 31-12-2025 was due by 31-07-2026 and was filed on 25-05-2026, 67 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
67 d early
2024
52 d early
2023
34 d early
2022
75 d early
2021
5 d early
2020
36 d early
2019
24 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
06-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€42k▲ 21.1%
2024 · €34k
2020: €-1k
2021: €9k
2022: €14k
2023: €27k
2024: €34k
2020 → 2025
Net result
€8k▲ 1.4%
2024 · €8k
2020: €-21k
2021: €10k
2022: €5k
2023: €14k
2024: €8k
2020 → 2025
Total assets
€82k▲ 6.8%
2024 · €77k
2020: €58k
2021: €54k
2022: €48k
2023: €73k
2024: €77k
2020 → 2025
Solvency
50.8%▲ 6.0pp
2024 · 44.8%
2020: -2.1%
2021: 16.7%
2022: 28.8%
2023: 37.3%
2024: 44.8%
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€9k-€14k▲ 54.3%€27k▲ 95.8%€34k▲ 26.2%€42k▲ 21.1%
Operating result€14k-€7k▼ 48.0%€21k▲ 204%€16k▼ 24.6%€16k▲ 1.7%
Net result€10k-€5k▼ 52.2%€14k▲ 197%€8k▼ 42.6%€8k▲ 1.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 2% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €82k
Fixed assets
€22k▼ 25.0%
Current assets
€60k▲ 26.2%
Equity and liabilities €82k
Equity
€42k▲ 21.1%
Debt
€40k▼ 4.8%
The debt ratio falls from 55.2% to 49.2%: equity grows while debt is paid down.
Key figures and ratios
Solvency
50.8%▲
2024 · 44.8%
ROE
20.3%▼
2024 · 24.2%
ROA
10.3%▼
2024 · 10.9%
Debt
€40k▼
2024 · €42k
Debt ≤ 1 year
€40k▲
2024 · €40k
Income taxes
€6k▲
2024 · €6k
Staff costs
€35k▲
2024 · €34k
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
Total assets
20/58€77k€82k▲
Fixed assets
21/28€29k€22k▼
Tangible fixed assets
22/27€29k€22k▼
Current assets
29/58€48k€60k▲
Stocks & contracts in progress
3€2k€2k=
Amounts receivable within one year
40/41€4k€2k▼
Cash & bank
54/58€40k€54k▲
Total equity & liabilities
10/49€77k€82k▲
Equity
10/15€34k€42k▲
Contributions / capital
10/11€19k€19k=
Reserves
13€16k€23k▲
Amounts payable
17/49€42k€40k▼
Amounts payable within one year
42/48€40k€40k▲
Trade debts payable within one year
44€4k€7k▲
Income statement
Code20242025
Gross operating margin
9900€58k€60k▲
Operating result
9901€16k€16k▲
Financial income
75€4-
Financial charges
65€2k€2k▼
Result before taxes
9903€14k€15k▲
Income taxes
67/77€6k€6k▲
Net result for the period
9904€8k€8k▲
Result to be appropriated
9905€8k€8k▲
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
25-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
09-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2020net €14k ▲197%
Operating result €21k, net result €14k, both a record.
17-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
26-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
25-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
24-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 24 days late
2019
19-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
23-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
23-06
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
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Of 24,645 companies in sector 64210 we hold annual accounts for 19,555. 9,696 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-07-1995
Fiscal year end31-12
Activities, NACEBEL
51410
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70220Business consulting
46412Wholesale of household textiles and bedding
47512Retail sale of household textiles and bedding
47792Retail sale of second-hand clothing
52410
52502
93127Equestrian clubs
Sources
Crossroads Bank for EnterprisesNational Bank · 30 filingsAddress and cadastre registers
Data from official sources, last processed on 23-08-2026. Scores and ratios are computed by Checked and are not a credit decision.