KRB's 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 €497k and a net result of €3k. Equity remains stable across the filed fiscal years (±1.6% per year). Its solvency ranks better than 77% of 2381 sector peers (fiscal year 2025). The company has been active since 2006 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 30-06-2025 was due by 31-01-2026 and was filed on 17-12-2025, 45 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
45 d early
2024
10 d early
2023
8 d early
2022
18 d early
2021
42 d early
2020
309 d late
2019
2 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close18-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, full schema
Equity
€497k▲ 0.6%
2024 · €494k
2019: €451k
2020: €461k
2021: €489k
2022: €481k
2023: €483k
2024: €494k
2019 → 2025
Net result
€3k▼ 72.1%
2024 · €11k
2019: €-32k
2020: €10k
2021: €29k
2022: €-8k
2023: €2k
2024: €11k
2019 → 2025
Total assets
€557k▲ 1.6%
2024 · €549k
2019: €518k
2020: €528k
2021: €552k
2022: €549k
2023: €537k
2024: €549k
2019 → 2025
Solvency
89.2%▼ 0.9pp
2024 · 90.1%
2019: 87.1%
2020: 87.2%
2021: 88.6%
2022: 87.6%
2023: 90.0%
2024: 90.1%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€63k
Equity€489k-€481k▼ 1.7%€483k▲ 0.5%€494k▲ 2.2%€497k▲ 0.6%
Operating result€32k-€9k▼ 72.1%€9k=€9k▲ 3.6%€6k▼ 36.6%
Net result€29k-€-8k€2k€11k▲ 339%€3k▼ 72.1%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 37% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €557k
Fixed assets
€256k=
Current assets
€302k▲ 3.0%
Equity and liabilities €557k
Equity
€497k▲ 0.6%
Debt
€60k▲ 10.6%
The debt ratio rises from 9.9% to 10.8%. Equity and debt are higher.
Key figures and ratios
Solvency
89.2%▼
2024 · 90.1%
ROE
0.6%▼
2024 · 2.2%
ROA
0.5%▼
2024 · 2.0%
Debt
€60k▲
2024 · €54k
Debt ≤ 1 year
€60k▲
2024 · €54k
Income taxes
€3k
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€549k€557k▲
Fixed assets21/28€256k€256k=
Financial fixed assets28€256k€256k=
Current assets29/58€293k€302k▲
Amounts receivable after more than one year29€125k€125k=
Other amounts receivable291€125k€125k=
Amounts receivable within one year40/41€11k€16k▲
Trade receivables40€10k€16k▲
Other amounts receivable41€1k-
Current investments50/53€144k€148k▲
Cash at bank and in hand54/58€13k€13k▼
Equity and liabilities
Total equity and liabilities10/49€549k€557k▲
Equity10/15€494k€497k▲
Contributions10/11€1.97M€1.97M=
Capital10€1.97M€1.97M=
Issued capital100€1.97M€1.97M=
Reserves13€24k€24k=
Non-distributable reserves130/1€24k€24k=
Legal reserve130€24k€24k=
Profit (loss) carried forward14€-1.50M€-1.50M▲
Amounts payable17/49€54k€60k▲
Amounts payable within one year42/48€54k€60k▲
Financial debts43€10k€10k▲
Credit institutions430/8€10k€10k▲
Trade debts44-€649
Suppliers440/4-€649
Taxes, remuneration and social security45€3k€2k▼
Taxes450/3€872€2k▲
Remuneration and social security454/9€3k-
Other amounts payable47/48€41k€47k▲
Income statement
Code20242025
Other operating charges640/8€384€499▲
Gross operating margin9900€10k€6k▼
Operating profit (loss)9901€9k€6k▼
Financial income75/76B€4k€5k▲
Recurring financial income75€4k€5k▲
Financial charges65/66B€2k€5k▲
Recurring financial charges65€2k€5k▲
Profit (loss) for the period before taxes9903€11k€6k▼
Income taxes67/77-€3k
Profit (loss) for the period9904€11k€3k▼
Profit (loss) for the period to be appropriated9905€11k€3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-1.50M€-1.50M▲
Profit (loss) brought forward from the previous period14P€-1.51M€-1.50M▲
The notes to these accounts (3 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
17-12
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
21-01
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
23-01
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
30-06
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
13-01
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2021
20-12
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
06-12
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 309 days late
30-06
Financial
Highest result since 2019net €29k ▲201%
Operating result €32k, net result €29k, both a record.
2020
30-06
Financial
Back to profitnet €10k
Net result €10k after one loss-making year.
29-01
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
13-01
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
17-04
State Gazette act
General meeting · Capital increase
Share issue · Capital
10-01
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
13-02
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 13 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Erquelinnes · 1 establishment unit since 2006
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.
Espace Européen d'Entreprises 266560 ErquelinnesGround area
5,578 m²
Building footprint
1,377 m²
Volume, LiDAR
7,705 m³
Parcel 56074B0182/00H002, Wallonia · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
KRB's
since 20062.156.929.216
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56074B0182/00H002 | Wallonia | 5,578 m² | 1 · 1,377 m² | 7.7 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.
Recognitions · licences · registrations
Legal Entity Identifier
967600XX4G5XIL4GE464
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,754. 13,611 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded29-09-2006
Fiscal year end30-06
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
74151
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress 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.