Summary
Jonathan Samyn is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €67k and a net result of €-24k. Equity is shrinking by ~10.7% per year across the filed fiscal years. Its solvency ranks better than 57% of 3323 sector peers (fiscal year 2024). The company has been active since 2004 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 check 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 31-12-2024 was due by 31-07-2025 and was filed on 27-05-2025, 65 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
65 d early
2023
71 d early
2022
61 d early
2021
54 d early
2020
47 d early
2019
67 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€67k▼ 26.0%
2023 · €91k
2018: €140k
2019: €151k
2020: €175k
2021: €163k
2022: €133k
2023: €91k
2018 → 2024
Net result
€-24k▲ 43.0%
2023 · €-42k
2018: €7k
2019: €11k
2020: €24k
2021: €15k
2022: €-30k
2023: €-42k
2018 → 2024
Total assets
€118k▼ 30.5%
2023 · €169k
2018: €230k
2019: €229k
2020: €256k
2021: €241k
2022: €204k
2023: €169k
2018 → 2024
Solvency
57.4%▲ 3.4pp
2023 · 53.9%
2018: 60.9%
2019: 65.8%
2020: 68.5%
2021: 67.6%
2022: 65.1%
2023: 53.9%
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€175k-€163k▼ 7.2%€133k▼ 18.2%€91k▼ 31.3%€67k▼ 26.0%
Operating result€44k-€31k▼ 29.2%€-39k€-35k▲ 11.5%€-19k▲ 44.9%
Net result€24k-€15k▼ 39.6%€-30k€-42k▼ 40.7%€-24k▲ 43.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €19k in 2024 against €35k in 2023; the loss shrinks.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €118k
Fixed assets
€50k ▼ 19.1%
Current assets
€68k ▼ 37.0%
Equity and liabilities €118k
Equity
€67k ▼ 26.0%
Debt
€50k ▼ 35.7%
Debt's share of the balance-sheet total falls from 46.1% to 42.6%. Equity and debt are lower.
Key figures and ratios
ROE
-35.2%▲
2023 · -45.7%
ROA
-20.2%▲
2023 · -24.6%
Debt ≤ 1 year
€50k▼
2023 · €78k
Income taxes
€633▲
2023 · €627
Staff costs
€127k▲
2023 · €125k
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 · 2024 against 2023 · 44 lines
Balance sheet
Code20232024
Assets
Total assets20/58€169k€118k▼
Fixed assets21/28€62k€50k▼
Intangible fixed assets21-€0
Tangible fixed assets22/27€62k€50k▼
Land and buildings22€56k€47k▼
Plant, machinery and equipment23€2k€940▼
Furniture and vehicles24€3k€2k▼
Current assets29/58€107k€68k▼
Amounts receivable within one year40/41€70k€31k▼
Trade receivables40-€2k
Other amounts receivable41€70k€28k▼
Cash at bank and in hand54/58-€3
Deferred charges and accrued income490/1€37k€37k▼
Equity and liabilities
Total equity and liabilities10/49€169k€118k▼
Equity10/15€91k€67k▼
Contributions10/11€6k€6k=
Reserves13€85k€83k▼
Distributable reserves133€85k€83k▼
Profit (loss) carried forward14-€-22k
Amounts payable17/49€78k€50k▼
Amounts payable within one year42/48€78k€50k▼
Current portion of amounts payable after more than one year42€10k-
Financial debts43€10k-
Credit institutions430/8€10k-
Trade debts44€32k€15k▼
Suppliers440/4€32k€15k▼
Taxes, remuneration and social security45€26k€35k▲
Taxes450/3€4k€13k▲
Remuneration and social security454/9€22k€22k▲
Income statement
Code20232024
Remuneration, social security and pensions62€125k€127k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€12k▼
Other operating charges640/8€2k€4k▲
Gross operating margin9900€106k€124k▲
Operating profit (loss)9901€-35k€-19k▲
Financial income75/76B€287-
Recurring financial income75€287-
Financial charges65/66B€7k€4k▼
Recurring financial charges65€7k€4k▼
Profit (loss) for the period before taxes9903€-41k€-23k▲
Income taxes67/77€627€633▲
Profit (loss) for the period9904€-42k€-24k▲
Profit (loss) for the period to be appropriated9905€-42k€-24k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-42k€-24k▲
Transfer from equity791/2€42k€2k▼
The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
27-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
21-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-42k
Net result drops to €-42k, the lowest in the series; recovery starts the following year.
31-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
07-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
14-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €24k ▲121%
Operating result €44k, net result €24k, both a record.
25-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €150kEq €151k ▲7.9%
2 profitable years in a row build equity to €151k.
11-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
14-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
12-05
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
2016
11-05
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Kortrijk · 1 establishment unit since 2004
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.
Conservatoriumplein(Kor) 208500 KortrijkGround area
208 m²
Building footprint
208 m²
Volume, LiDAR
2,905 m³
Parcel 34022E0021/00X002, Flanders · tallest building 19.0 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Conservatoriumplein(Kor) 20, 8500 Kortrijk
since 20042.295.385.630
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 34022E0021/00X002 | Flanders | 208 m² | 1 · 208 m² | 19.0 m · 5 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.
Recognitions · licences · registrations
Legal Entity Identifier
967600WIVD8LRIK53409
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Kantoor Stevens
BE 0421.278.522
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M3W Conseil
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MAXEL FINANCE
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Of 1,681 companies in sector 66191 we hold annual accounts for 1,230. 969 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
Founded06-10-2004
Fiscal year end31-12
Activities, NACEBEL 2025
66191Agents and brokers in banking services
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.