Ephione 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 €626k and a net result of €90k. Equity is growing by ~26.5% per year across the filed fiscal years. Its solvency ranks better than 37% of 5511 sector peers (fiscal year 2025). The company has been active since 2019 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 · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 14-08-2026, 14 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 · 6 filingsDeviation from the deadline
2025
14 d late
2024
1 d late
2023
28 d early
2022
1 d late
2021
20 d early
2020
9 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€626k▲ 16.7%
2024 · €536k
2020: €113k
2021: €225k
2022: €338k
2023: €436k
2024: €536k
2020 → 2025
Net result
€90k▼ 10.0%
2024 · €100k
2020: €93k
2021: €113k
2022: €113k
2023: €99k
2024: €100k
2020 → 2025
Total assets
€1.68M▼ 2.6%
2024 · €1.73M
2020: €1.64M
2021: €1.68M
2022: €1.71M
2023: €1.71M
2024: €1.73M
2020 → 2025
Solvency
37.1%▲ 6.1pp
2024 · 31.0%
2020: 6.9%
2021: 13.4%
2022: 19.7%
2023: 25.5%
2024: 31.0%
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€225k-€338k▲ 49.9%€436k▲ 29.1%€536k▲ 22.8%€626k▲ 16.7%
Operating result€159k-€166k▲ 4.6%€153k▼ 7.9%€153k▲ 0.4%€152k▼ 0.8%
Net result€113k-€113k▲ 0.3%€99k▼ 12.6%€100k▲ 1.3%€90k▼ 10.0%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 1% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.68M
Fixed assets
€1.62M=
Current assets
€66k▼ 40.4%
Equity and liabilities €1.68M
Equity
€626k▲ 16.7%
Debt
€1.06M▼ 11.2%
The debt ratio falls from 69.0% to 62.9%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
37.1%▲
2024 · 31.0%
ROE
14.4%▼
2024 · 18.7%
ROA
5.4%▼
2024 · 5.8%
Debt
€1.06M▼
2024 · €1.19M
Debt ≤ 1 year
€136k▼
2024 · €138k
Debt > 1 year
€903k▼
2024 · €1.05M
Income taxes
€35k▼
2024 · €40k
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€1.73M€1.68M▼
Fixed assets21/28€1.62M€1.62M=
Financial fixed assets28€1.62M€1.62M=
Current assets29/58€110k€66k▼
Amounts receivable within one year40/41€3k€5k▲
Other amounts receivable41€3k€5k▲
Cash at bank and in hand54/58€107k€61k▼
Deferred charges and accrued income490/1€76-
Equity and liabilities
Total equity and liabilities10/49€1.73M€1.68M▼
Equity10/15€536k€626k▲
Contributions10/11€20k€20k=
Reserves13€516k€606k▲
Distributable reserves133€516k€606k▲
Amounts payable17/49€1.19M€1.06M▼
Amounts payable after more than one year17€1.05M€903k▼
Financial debts170/4€1.05M€903k▼
Amounts payable within one year42/48€138k€136k▼
Current portion of amounts payable after more than one year42€95k€96k▲
Financial debts43€9k-
Credit institutions430/8€9k-
Trade debts44€5k€5k▲
Suppliers440/4€5k€5k▲
Taxes, remuneration and social security45€7k€6k▼
Taxes450/3€7k€6k▼
Other amounts payable47/48€22k€29k▲
Accrued charges and deferred income492/3€6k€20k▲
Income statement
Code20242025
Other operating charges640/8€1k€1k▲
Gross operating margin9900€155k€154k▼
Operating profit (loss)9901€153k€152k▼
Financial charges65/66B€13k€27k▲
Recurring financial charges65€13k€27k▲
Profit (loss) for the period before taxes9903€140k€125k▼
Income taxes67/77€40k€35k▼
Profit (loss) for the period9904€100k€90k▼
Profit (loss) for the period to be appropriated9905€100k€90k▼
Appropriation of the result
Profit (loss) to be appropriated9906€100k€90k▼
Transfer to equity691/2€100k€90k▼
To other reserves6921€100k€90k▼
Profit to be distributed694/7€833€833=
Return on contributions (dividend)694€833€833=
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
14-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 14 days late
2025
31-12
Financial
Weakest financial yearnet €90k ▼10%
Net result drops to €90k, the lowest in the series.
01-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 1 day late
2024
31-12
Financial
Equity above €500kEq €536k ▲22.8%
5 profitable years in a row build equity to €536k.
03-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
01-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 1 day late
2022
31-12
Financial
Highest result since 2020net €113k ▲0.3%
Operating result €166k, net result €113k, both a record.
11-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Equity above €200kEq €225k ▲99.2%
2 profitable years in a row build equity to €225k.
09-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 9 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Blankenberge
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Kerkstraat 838370 BlankenbergeGround area
461 m²
Building footprint
183 m²
Volume, LiDAR
1,495 m³
Parcel 31004A0579/00F000, Flanders · tallest building 14.6 m, ±2 floors. Linked by address, not a title deed.
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31004A0579/00F000 | Flanders | 461 m² | 1 · 183 m² | 14.6 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.
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Of 24,727 companies in sector 64210 we hold annual accounts for 19,759. 13,446 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-12-2019
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.