Summary
G & C KREGLINGER 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 €75.41M and a net result of €13.32M. Equity is growing by ~15.5% per year across the filed fiscal years. Its solvency ranks better than 67% of 2394 sector peers (fiscal year 2025). The company has been active since 1998 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
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 07-08-2026, 7 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 · 5 filingsDeviation from the deadline
2025
7 d late
2024
29 d late
2023
29 d late
2022
29 d late
2021
19 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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema, statutory accounts
Equity
€75.41M▲ 18.6%
2024 · €63.59M
2018: €33.27M
2020: €33.45M
2021: €41.26M
2022: €44.49M
2023: €63.40M
2024: €63.59M
2018 → 2025
Net result
€13.32M▲ 689%
2024 · €1.69M
2018: €-82k
2020: €-85k
2021: €7.82M
2022: €3.23M
2023: €18.91M
2024: €1.69M
2018 → 2025
Total assets
€94.83M▲ 2.7%
2024 · €92.32M
2018: €41.80M
2020: €42.16M
2021: €51.21M
2022: €107.88M
2023: €91.48M
2024: €92.32M
2018 → 2025
Solvency
79.5%▲ 10.6pp
2024 · 68.9%
2018: 79.6%
2020: 79.3%
2021: 80.6%
2022: 41.2%
2023: 69.3%
2024: 68.9%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€41.26M-€44.49M▲ 7.8%€63.40M▲ 42.5%€63.59M▲ 0.3%€75.41M▲ 18.6%
Operating result€-114k-€-113k▲ 0.5%€-112k▲ 1.2%€-20k▲ 81.9%€56k
Net result€7.82M-€3.23M▼ 58.7%€18.91M▲ 485%€1.69M▼ 91.1%€13.32M▲ 689%
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €56k after a loss of €20k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €94.83M
Fixed assets
€83.90M =
Current assets
€10.93M ▲ 29.7%
Equity and liabilities €94.83M
Equity
€75.41M ▲ 18.6%
Debt
€19.42M ▼ 32.4%
Debt's share of the balance-sheet total falls from 31.1% to 20.5%. Equity is higher and debt is lower.
Key figures and ratios
ROE
17.7%▲
2024 · 2.7%
ROA
14.0%▲
2024 · 1.8%
Debt ≤ 1 year
€19.41M▼
2024 · €28.72M
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 · 57 lines
Balance sheet
Code20242025
Assets
Total assets20/58€92.32M€94.83M▲
Fixed assets21/28€83.90M€83.90M=
Tangible fixed assets22/27€5.90M€5.90M=
Land and buildings22€5.90M€5.90M=
Financial fixed assets28€78.00M€78.00M=
Affiliated companies280/1€77.96M€77.96M=
Participating interests280€77.96M€77.96M=
Other financial fixed assets284/8€35k€35k=
Shares284€35k€35k=
Current assets29/58€8.42M€10.93M▲
Amounts receivable within one year40/41€8.41M€10.89M▲
Trade receivables40-€441
Other amounts receivable41€8.41M€10.89M▲
Cash at bank and in hand54/58€11k€37k▲
Equity and liabilities
Total equity and liabilities10/49€92.32M€94.83M▲
Equity10/15€63.59M€75.41M▲
Contributions10/11€13.92M€13.92M=
Capital10€5.56M€5.56M=
Issued capital100€5.56M€5.56M=
Outside capital11€8.36M€8.36M=
Share premium1100/10€8.36M€8.36M=
Revaluation surpluses12€16.31M€16.31M=
Reserves13€33.36M€45.18M▲
Non-distributable reserves130/1€560k€560k=
Legal reserve130€556k€556k=
Reserves not available under the articles1311€4k€4k=
Tax-exempt reserves132€1.97M€1.97M=
Distributable reserves133€30.83M€42.65M▲
Amounts payable17/49€28.73M€19.42M▼
Amounts payable within one year42/48€28.72M€19.41M▼
Trade debts44€7k€10k▲
Suppliers440/4€7k€10k▲
Other amounts payable47/48€28.71M€19.40M▼
Accrued charges and deferred income492/3€9k€7k▼
Income statement
Code20242025
Operating income70/76A€113k€154k▲
Other operating income74€113k€154k▲
Operating charges60/66A€133k€98k▼
Services and other goods61€131k€96k▼
Other operating charges640/8€1k€1k▲
Operating profit (loss)9901€-20k€56k▲
Financial income75/76B€2.34M€13.74M▲
Recurring financial income75€2.12M€13.74M▲
Income from financial fixed assets750€1.83M€13.51M▲
Income from current assets751€296k€228k▼
Non-recurring financial income76B€217k-
Financial charges65/66B€634k€477k▼
Recurring financial charges65€634k€477k▼
Debt charges650€632k€476k▼
Other financial charges652/9€1k€1k▲
Profit (loss) for the period before taxes9903€1.69M€13.32M▲
Profit (loss) for the period9904€1.69M€13.32M▲
Profit (loss) for the period to be appropriated9905€1.69M€13.32M▲
Appropriation of the result
Profit (loss) to be appropriated9906€1.69M€13.32M▲
Transfer to equity691/2€188k€11.82M▲
To other reserves6921€188k€11.82M▲
Profit to be distributed694/7€1.50M€1.50M=
Return on contributions (dividend)694€1.50M€1.50M=
The notes to these accounts (21 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
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · consolidated · 7 days late
07-08
NBB filing
Annual accounts filed
fiscal year 2025 · full schema · 7 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 29 days late
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · consolidated · 29 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · consolidated · 29 days late
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 29 days late
2023
31-12
Financial
Highest result since 2018net €18.91M ▲485%
Net result €18.91M, the highest in the series.
31-12
Financial
Equity above €50MEq €63.40M ▲42.5%
3 profitable years in a row build equity to €63.40M.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · consolidated · 29 days late
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 29 days late
2022
19-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 19 days late
19-08
NBB filing
Annual accounts filed
fiscal year 2021 · consolidated · 19 days late
2021
31-12
Financial
Back to profitnet €7.82M
Net result €7.82M after 2 loss-making years.
2020
31-12
Financial
Weakest financial yearnet €-85k
Net result drops to €-85k, the lowest in the series; recovery starts the following year.
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
15 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, Antwerpen · 1 establishment unit since 1998
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.
Grote Markt 72000 AntwerpenGround area
256 m²
Building footprint
247 m²
Volume, LiDAR
6,252 m³
Parcel 11002A1368/00C000, Flanders · tallest building 30.3 m, ±8 floors. Linked by address, not a title deed.
1 establishment unit
G & C KREGLINGER
since 19982.113.835.876
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11002A1368/00C000 | Flanders | 256 m² | 1 · 247 m² | 30.3 m · 8 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Similar companies · same sector, comparable size
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 2,149 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
Founded05-11-1998
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 56 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.