ESMA
ActiveESMA 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 €113k and a net result of €38k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 84% of 7971 sector peers (fiscal year 2025). The company has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €113k
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 03-06-2026, 58 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
58 d early
2024
57 d early
2023
55 d early
2022
46 d early
2021
59 d early
2020
41 d early
2019
53 d early
← 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€113k▲ 51.6%
2024 · €74k
2018: €1k
2019: €9k
2020: €9k
2021: €6k
2022: €6k
2023: €22k
2024: €74k
2018 → 2025
Net result
€38k▼ 26.2%
2024 · €52k
2018: €124
2019: €7k
2020: €-31
2021: €-2k
2022: €-143
2023: €16k
2024: €52k
2018 → 2025
Total assets
€131k▲ 57.0%
2024 · €84k
2018: €50k
2019: €75k
2020: €71k
2021: €68k
2022: €65k
2023: €77k
2024: €84k
2018 → 2025
Solvency
85.9%▼ 3.1pp
2024 · 88.9%
2018: 2.5%
2019: 11.6%
2020: 12.2%
2021: 9.2%
2022: 9.4%
2023: 28.8%
2024: 88.9%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€6k-€6k▼ 2.3%€22k▲ 261%€74k▲ 233%€113k▲ 51.6%
Operating result€44-€3k▲ 7,515%€23k▲ 590%€81k▲ 247%€54k▼ 32.9%
Net result€-2k-€-143▲ 94.0%€16k€52k▲ 222%€38k▼ 26.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 33% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €131k
Equity
€113k▲ 51.6%
Debt
€19k▲ 100%
The debt ratio rises from 11.1% to 14.1%: debt grows faster than equity.
Key figures and ratios
Solvency
85.9%▼
2024 · 88.9%
ROE
34.0%▼
2024 · 70.0%
ROA
29.2%▼
2024 · 62.2%
Debt
€19k▲
2024 · €9k
Debt ≤ 1 year
€19k▲
2024 · €9k
Income taxes
€16k▼
2024 · €29k
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€84k€131k▲
Current assets29/58€84k€131k▲
Amounts receivable within one year40/41€13k€16k▲
Trade receivables40€12k€14k▲
Other amounts receivable41€879€2k▲
Cash at bank and in hand54/58€70k€114k▲
Deferred charges and accrued income490/1€882€2k▲
Equity and liabilities
Total equity and liabilities10/49€84k€131k▲
Equity10/15€74k€113k▲
Contributions10/11€19k€19k=
Reserves13€56k€94k▲
Distributable reserves133€56k€94k▲
Provisions and deferred taxes16€0-
Provisions for liabilities and charges160/5€0-
Pensions and similar obligations160€0-
Amounts payable17/49€9k€19k▲
Amounts payable within one year42/48€9k€19k▲
Current portion of amounts payable after more than one year42€0-
Trade debts44€3k€3k▲
Suppliers440/4€3k€3k▲
Taxes, remuneration and social security45€7k€15k▲
Taxes450/3€7k€15k▲
Other amounts payable47/48€0-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€0-
Provisions for liabilities and charges: additions (uses and reversals)635/8€-46k€0▲
Other operating charges640/8€1k€993▼
Gross operating margin9900€36k€55k▲
Operating profit (loss)9901€81k€54k▼
Financial income75/76B€0€0▼
Recurring financial income75€0€0▼
Financial charges65/66B€68€67▼
Recurring financial charges65€68€67▼
Profit (loss) for the period before taxes9903€81k€54k▼
Income taxes67/77€29k€16k▼
Profit (loss) for the period9904€52k€38k▼
Profit (loss) for the period to be appropriated9905€52k€38k▼
Appropriation of the result
Profit (loss) to be appropriated9906€52k€38k▼
Profit (loss) brought forward from the previous period14P€0-
Transfer from equity791/2€0-
Transfer to equity691/2€52k€38k▼
To other reserves6921€52k€38k▼
The notes to these accounts (5 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
03-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €100kEq €113k ▲51.6%
3 profitable years in a row build equity to €113k.
04-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €52k ▲222%
Operating result €81k, net result €52k, both a record.
06-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €16k
Net result €16k after 3 loss-making years.
15-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
02-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-2k
Net result drops to €-2k, the lowest in the series; recovery starts the following year.
20-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
08-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
24-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
07-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
06-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
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, Essen · 1 establishment unit since 1997
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.
Beukendreef 212910 EssenGround area
798 m²
Building footprint
150 m²
Volume, LiDAR
649 m³
Parcel 11642D0201/00X000, Flanders · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ESMA
since 19972.084.543.064
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11642D0201/00X000 | Flanders | 798 m² | 1 · 150 m² | 8.0 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 24,637 companies in sector 64210 we hold annual accounts for 19,690. 12,565 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-11-1997
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
74151
Sources
Crossroads Bank for EnterprisesNational Bank · 28 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.