Summary
HET CIJFERHUIS 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 €1.65M and a net result of €545k. Equity is growing by ~24% per year across the filed fiscal years. Its solvency ranks better than 56% of 5527 sector peers (fiscal year 2025). The company has been active since 2017 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 · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 30-10-2025, 1 day ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
1 d early
2024
on the day
2023
on the day
2022
3 d late
2021
85 d late
2020
1 d early
2019
on the day
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close24-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, abbreviated schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€1.65M▲ 49.5%
2024 · €1.10M
2019: €454k
2020: €506k
2021: €510k
2022: €628k
2023: €853k
2024: €1.10M
2019 → 2025
Net result
€545k▲ 119%
2024 · €249k
2019: €4k
2020: €4k
2021: €4k
2022: €118k
2023: €274k
2024: €249k
2019 → 2025
Total assets
€2.85M▲ 0.6%
2024 · €2.83M
2019: €2.86M
2020: €2.90M
2021: €2.90M
2022: €2.88M
2023: €2.86M
2024: €2.83M
2019 → 2025
Solvency
57.8%▲ 18.9pp
2024 · 38.9%
2019: 15.9%
2020: 17.4%
2021: 17.6%
2022: 21.8%
2023: 29.8%
2024: 38.9%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€510k-€628k▲ 23.2%€853k▲ 35.7%€1.10M▲ 29.2%€1.65M▲ 49.5%
Operating result€-4k-€-2k▲ 44.6%€-1k▲ 34.5%€-2k▼ 7.4%€-1k▲ 14.1%
Net result€4k-€118k▲ 2,912%€274k▲ 132%€249k▼ 9.1%€545k▲ 119%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €1k in 2025 against €2k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.85M
Fixed assets
€2.83M =
Current assets
€18k ▲ 766%
Equity and liabilities €2.85M
Equity
€1.65M ▲ 49.5%
Debt
€1.20M ▼ 30.6%
Debt's share of the balance-sheet total falls from 61.1% to 42.2%. Equity is higher and debt is lower.
Key figures and ratios
ROE
33.1%▲
2024 · 22.6%
ROA
19.1%▲
2024 · 8.8%
Debt ≤ 1 year
€752k▼
2024 · €1.03M
Debt > 1 year
€450k▼
2024 · €703k
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 · 32 lines
Balance sheet
Code20242025
Assets
Total assets20/58€2.83M€2.85M▲
Fixed assets21/28€2.83M€2.83M=
Financial fixed assets28€2.83M€2.83M=
Current assets29/58€2k€18k▲
Amounts receivable within one year40/41-€17k
Other amounts receivable41-€17k
Cash at bank and in hand54/58€2k€892▼
Equity and liabilities
Total equity and liabilities10/49€2.83M€2.85M▲
Equity10/15€1.10M€1.65M▲
Contributions10/11€450k€450k=
Reserves13€192€192=
Non-distributable reserves130/1€192€192=
Reserves not available under the articles1311€192€192=
Profit (loss) carried forward14€652k€1.20M▲
Amounts payable17/49€1.73M€1.20M▼
Amounts payable after more than one year17€703k€450k▼
Financial debts170/4€703k€450k▼
Amounts payable within one year42/48€1.03M€752k▼
Current portion of amounts payable after more than one year42€250k€253k▲
Other amounts payable47/48€778k€499k▼
Income statement
Code20242025
Other operating charges640/8€1k€1k▲
Gross operating margin9900€-327€-85▲
Operating profit (loss)9901€-2k€-1k▲
Financial income75/76B€264k€557k▲
Recurring financial income75€264k€557k▲
Financial charges65/66B€13k€10k▼
Recurring financial charges65€13k€10k▼
Profit (loss) for the period before taxes9903€249k€545k▲
Profit (loss) for the period9904€249k€545k▲
Profit (loss) for the period to be appropriated9905€249k€545k▲
Appropriation of the result
Profit (loss) to be appropriated9906€652k€1.20M▲
Profit (loss) brought forward from the previous period14P€402k€652k▲
The notes to these accounts (9 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
2025
30-10
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
31-03
Financial
Highest result since 2019net €545k ▲119%
Operating result €-1k, net result €545k, both a record.
2024
31-10
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
31-03
Financial
Equity above €1MEq €1.10M ▲29.2%
6 profitable years in a row build equity to €1.10M.
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2022
03-11
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 3 days late
24-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 85 days late
2020
30-10
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
31-03
Financial
Equity above €500kEq €506k ▲11.5%
2 profitable years in a row build equity to €506k.
2019
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Hamme (Vl.) · 1 establishment unit since 2017
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.
Zwaarveld 419220 Hamme (Vl.)Ground area
4,734 m²
Building footprint
1,532 m²
Volume, LiDAR
8,254 m³
Parcel 42452C0148/00F000, Flanders · tallest building 9.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
HET CIJFERHUIS
since 20172.304.518.674
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42452C0148/00F000 | Flanders | 4,734 m² | 1 · 1,532 m² | 9.5 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.
Similar companies · same sector, comparable size
FETIKO
BE 0890.862.747
Tielt · Eq €1,647,199
MIK
BE 0825.842.360
Sint-Pieters-Woluwe · Eq €1,646,561
ADMORE
BE 0887.127.158
Oosterzele · Eq €1,648,172
Versmissen
BE 0893.720.881
Turnhout · Eq €1,648,338
Stucan
BE 0899.037.570
Sint-Niklaas · Eq €1,645,819
Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 11,487 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 formPrivate limited company
Founded21-12-2017
Fiscal year end31-03
Activities, NACEBEL 2025
64210Activities of holding companies
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.