HOLDAST 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 €729k and a net result of €-47k. Equity is growing by ~4.6% per year across the filed fiscal years. Its solvency ranks better than 47% of 5498 sector peers (fiscal year 2025). The company has been active since 2002 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 · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-07-2026, 28 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
28 d early
2024
31 d early
2023
21 d early
2022
34 d early
2021
33 d early
2020
30 d early
2019
31 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€729k▼ 6.0%
2024 · €775k
2018: €568k
2019: €585k
2020: €549k
2021: €532k
2022: €760k
2023: €711k
2024: €775k
2018 → 2025
Net result
€-47k
2024 · €64k
2018: €70k
2019: €17k
2020: €-36k
2021: €-17k
2022: €228k
2023: €-50k
2024: €64k
2018 → 2025
Total assets
€1.51M▼ 18.0%
2024 · €1.84M
2018: €1.33M
2019: €1.33M
2020: €1.65M
2021: €1.81M
2022: €1.77M
2023: €1.84M
2024: €1.84M
2018 → 2025
Solvency
48.2%▲ 6.1pp
2024 · 42.1%
2018: 42.8%
2019: 44.1%
2020: 33.2%
2021: 29.4%
2022: 43.0%
2023: 38.6%
2024: 42.1%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€532k-€760k▲ 42.9%€711k▼ 6.5%€775k▲ 9.0%€729k▼ 6.0%
Operating result€22k-€-11k€-14k▼ 24.2%€134k€9k▼ 93.0%
Net result€-17k-€228k€-50k€64k€-47k
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 93% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.51M
Fixed assets
€1.35M▼ 21.8%
Current assets
€158k▲ 40.3%
Equity and liabilities €1.51M
Equity
€729k▼ 6.0%
Debt
€783k▼ 26.6%
The debt ratio falls from 57.9% to 51.8%. Equity and debt are lower.
Key figures and ratios
Solvency
48.2%▲
2024 · 42.1%
ROE
-6.4%▼
2024 · 8.3%
ROA
-3.1%▼
2024 · 3.5%
Debt
€783k▼
2024 · €1.07M
Debt ≤ 1 year
€149k▼
2024 · €249k
Debt > 1 year
€626k▼
2024 · €812k
Income taxes
€730▼
2024 · €8k
Staff costs
€43k▲
2024 · €33k
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€1.84M€1.51M▼
Fixed assets21/28€1.73M€1.35M▼
Tangible fixed assets22/27€565k€188k▼
Land and buildings22€325k€0▼
Furniture and vehicles24€240k€188k▼
Financial fixed assets28€1.17M€1.17M=
Current assets29/58€113k€158k▲
Amounts receivable within one year40/41€0-
Other amounts receivable41€0-
Cash at bank and in hand54/58€109k€157k▲
Deferred charges and accrued income490/1€3k€789▼
Equity and liabilities
Total equity and liabilities10/49€1.84M€1.51M▼
Equity10/15€775k€729k▼
Contributions10/11€675k€675k=
Reserves13€293k€293k=
Distributable reserves133€293k€293k=
Profit (loss) carried forward14€-193k€-239k▼
Amounts payable17/49€1.07M€783k▼
Amounts payable after more than one year17€812k€626k▼
Financial debts170/4€225k€67k▼
Other amounts payable178/9€587k€560k▼
Amounts payable within one year42/48€249k€149k▼
Current portion of amounts payable after more than one year42€60k€29k▼
Trade debts44€1k€16k▲
Suppliers440/4€1k€16k▲
Taxes, remuneration and social security45€46k€24k▼
Taxes450/3€31k€19k▼
Remuneration and social security454/9€15k€5k▼
Other amounts payable47/48€141k€79k▼
Accrued charges and deferred income492/3€6k€8k▲
Income statement
Code20242025
Non-recurring operating income76A€171k€5k▼
Remuneration, social security and pensions62€33k€43k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€20k€51k▲
Other operating charges640/8€34k€5k▼
Gross operating margin9900€221k€108k▼
Operating profit (loss)9901€134k€9k▼
Financial income75/76B€4€0▼
Recurring financial income75€4€0▼
Financial charges65/66B€61k€55k▼
Recurring financial charges65€61k€55k▼
Profit (loss) for the period before taxes9903€73k€-46k▼
Income taxes67/77€8k€730▼
Profit (loss) for the period9904€64k€-47k▼
Profit (loss) for the period to be appropriated9905€64k€-47k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-128k€-239k▼
Profit (loss) brought forward from the previous period14P€-193k€-193k=
Transfer to equity691/2€64k€0▼
To other reserves6921€64k€0▼
Social balance
Average headcount (FTE)90870.50.8▲
The notes to these accounts (15 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
03-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Liquidity doublescurrent ratio 1.06
Current ratio from 0.45 to 1.06; short-term debt falls from €249k to €149k.
30-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Back to profitnet €64k
Net result €64k after one loss-making year.
10-07
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €-50k ▼122%
Net result drops to €-50k, the lowest in the series; recovery starts the following year.
27-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Back to profitnet €228k
Net result €228k after 2 loss-making years.
28-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
01-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
02-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
20-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
26-07
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Zwevegem · 1 establishment unit since 2002
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.
Helkijnstraat(S) 308554 ZwevegemGround area
2,154 m²
Building footprint
221 m²
Volume, LiDAR
1,876 m³
Parcel 34034C0241/00N000, Flanders · tallest building 16.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Helkijnstraat(S) 30, 8554 Zwevegem
since 20022.096.272.245
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34034C0241/00N000 | Flanders | 2,154 m² | 1 · 221 m² | 16.3 m · 3 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.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 234 EUR awarded · 234 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 234 EUR | 234 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 24,726 companies in sector 64210 we hold annual accounts for 19,748. 13,277 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-07-2002
Fiscal year end31-12
Activities, NACEBEL
46833Wholesale trade
64200Holdings
64210Activities of holding companies
74151
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.