Gemoedelijk 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 €108k and a net result of €105k. Its solvency ranks better than 68% of 7994 sector peers (fiscal year 2025). The company has been active since 2024 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.
+raises risk○neutral
raises risk · Young company
Founded in 2024, under 3 years, statistically higher risk.
KBO · incorporation dateAge against the risk zone
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 09-07-2026, 22 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
22 d early
← before the deadline
after the deadline →
Financials · fiscal year 2025, micro schema
Equity
€108k
Net result
€105k
Total assets
€150k
Solvency
72.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €150k
Fixed assets
€19k
Current assets
€131k
Equity and liabilities €150k
Equity
€108k
Debt
€42k
Debt finances 27.9% of the balance-sheet total.
Key figures and ratios
Solvency
72.1%
ROE
96.9%
ROA
69.9%
Debt
€42k
Debt ≤ 1 year
€42k
Income taxes
€32k
Staff costs
€30
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€150k
Fixed assets21/28€19k
Tangible fixed assets22/27€19k
Furniture and vehicles24€19k
Current assets29/58€131k
Amounts receivable within one year40/41€49k
Trade receivables40€15k
Other amounts receivable41€34k
Cash at bank and in hand54/58€80k
Deferred charges and accrued income490/1€3k
Equity and liabilities
Total equity and liabilities10/49€150k
Equity10/15€108k
Contributions10/11€5k
Profit (loss) carried forward14€103k
Amounts payable17/49€42k
Amounts payable within one year42/48€42k
Trade debts44€3k
Suppliers440/4€3k
Taxes, remuneration and social security45€37k
Taxes450/3€37k
Other amounts payable47/48€2k
Accrued charges and deferred income492/3€195
Income statement
Code2025
Remuneration, social security and pensions62€30
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k
Other operating charges640/8€262
Gross operating margin9900€142k
Operating profit (loss)9901€136k
Financial income75/76B€1k
Recurring financial income75€1k
Financial charges65/66B€151
Recurring financial charges65€151
Profit (loss) for the period before taxes9903€137k
Income taxes67/77€32k
Profit (loss) for the period9904€105k
Profit (loss) for the period to be appropriated9905€105k
Appropriation of the result
Profit (loss) to be appropriated9906€105k
Profit to be distributed694/7€2k
Return on contributions (dividend)694€2k
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
2026
09-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
NBB filing
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, Bilzen-Hoeselt · 1 establishment unit since 2024
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.
Rooierweg 333740 Bilzen-HoeseltGround area
1,050 m²
Building footprint
127 m²
Volume, LiDAR
790 m³
Parcel 73006F0764/00H000, Flanders · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Gemoedelijk
since 20242.357.912.622
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 73006F0764/00H000 | Flanders | 1,050 m² | 1 · 127 m² | 8.8 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 24,725 companies in sector 64210 we hold annual accounts for 19,754. 12,499 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded27-03-2024
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
64999Other financial services
81100Combined facilities support activities
82300Organisation of conventions and trade shows
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.