Summary
LIONA 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 €164k and a net result of €88k. Equity is growing by ~101.7% per year across the filed fiscal years. Its solvency ranks better than 62% of 8023 sector peers (fiscal year 2025). The company has been active since 2023 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 31-12-2025 was due by 31-07-2026 and was filed on 04-06-2026, 57 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
57 d early
2024
7 d early
2023
5 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€164k▲ 115%
2024 · €76k
2023: €9k
2024: €76k
2023 → 2025
Net result
€88k▲ 30.2%
2024 · €67k
2023: €8k
2024: €67k
2023 → 2025
Total assets
€249k▲ 62.2%
2024 · €153k
2023: €14k
2024: €153k
2023 → 2025
Solvency
65.9%▲ 16.2pp
2024 · 49.7%
2023: 64.5%
2024: 49.7%
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€9k-€76k▲ 759%€164k▲ 115%
Operating result€11k-€87k▲ 660%€113k▲ 29.7%
Net result€8k-€67k▲ 756%€88k▲ 30.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 30% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €249k
Fixed assets
€63k ▲ 55.3%
Current assets
€186k ▲ 64.7%
Equity and liabilities €249k
Equity
€164k ▲ 115%
Debt
€85k ▲ 10.0%
Debt's share of the balance-sheet total falls from 50.3% to 34.1%. Equity and debt are higher.
Key figures and ratios
ROE
53.5%▼
2024 · 88.4%
ROA
35.2%▼
2024 · 43.9%
Debt ≤ 1 year
€52k▲
2024 · €35k
Debt > 1 year
€20k▼
2024 · €30k
Income taxes
€25k▲
2024 · €19k
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 · 46 lines
Balance sheet
Code20242025
Assets
Total assets20/58€153k€249k▲
Fixed assets21/28€40k€63k▲
Tangible fixed assets22/27€40k€63k▲
Land and buildings22€33k€38k▲
Furniture and vehicles24€3k€15k▲
Other tangible fixed assets26€5k€10k▲
Financial fixed assets28€100€100=
Current assets29/58€113k€186k▲
Amounts receivable within one year40/41€40k€149k▲
Trade receivables40€35k€139k▲
Other amounts receivable41€5k€10k▲
Current investments50/53€60k€0▼
Cash at bank and in hand54/58€11k€36k▲
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€153k€249k▲
Equity10/15€76k€164k▲
Contributions10/11€1k€1k=
Reserves13€75k€163k▲
Distributable reserves133€75k€163k▲
Amounts payable17/49€77k€85k▲
Amounts payable after more than one year17€30k€20k▼
Financial debts170/4€30k€20k▼
Amounts payable within one year42/48€35k€52k▲
Current portion of amounts payable after more than one year42€9k€10k▲
Trade debts44€2k€2k▼
Suppliers440/4€2k€2k▼
Taxes, remuneration and social security45€23k€40k▲
Taxes450/3€23k€40k▲
Remuneration and social security454/9€0€652▲
Other amounts payable47/48€0-
Accrued charges and deferred income492/3€13k€13k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k▲
Other operating charges640/8€418€248▼
Gross operating margin9900€91k€117k▲
Operating profit (loss)9901€87k€113k▲
Financial income75/76B€607€2k▲
Recurring financial income75€607€2k▲
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€86k€113k▲
Income taxes67/77€19k€25k▲
Profit (loss) for the period9904€67k€88k▲
Profit (loss) for the period to be appropriated9905€67k€88k▲
Appropriation of the result
Profit (loss) to be appropriated9906€67k€88k▲
Transfer to equity691/2€67k€88k▲
To other reserves6921€67k€88k▲
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
2026
04-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2023net €88k ▲30.2%
Operating result €113k, net result €88k, both a record.
31-12
Financial
Equity above €150kEq €164k ▲115%
3 profitable years in a row build equity to €164k.
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Wingene · 1 establishment unit since 2023
Ground area
684 m²
Building footprint
84 m²
Volume, LiDAR
564 m³
Parcel 37019B0401/00B002, Flanders · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
LIONA
since 20232.346.581.735
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 37019B0401/00B002 | Flanders | 684 m² | 1 · 84 m² | 9.2 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
6488O4P46INQ52W2K504
Similar companies · same sector, comparable size
GERU Consultancy
BE 0791.306.501
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MIALET
BE 0428.050.409
Ternat · Eq €164,597
Ventureleap
BE 0787.262.292
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Bart Lieben Invest
BE 0507.849.438
Knokke-Heist · Eq €161,888
Lombard Street
BE 0779.783.592
Etterbeek · Eq €166,457
Of 807 companies in sector 64999 we hold annual accounts for 484. 326 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
Founded20-06-2023
Fiscal year end31-12
Activities, NACEBEL 2025
64999Other financial services
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.