Marcel Caenen
ActiveMarcel Caenen 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 €1.35M and a net result of €30k. Equity remains stable across the filed fiscal years (±1.5% per year). Its solvency ranks better than 52% of 7837 sector peers (fiscal year 2025). The company has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals.
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 10-11-2025, 82 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
82 d early
2024
15 d early
2023
29 d early
2022
8 d early
2021
4 d early
2020
4 d early
2019
16 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 close05-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.35M▼ 3.4%
2024 · €1.40M
2022: €1.43M
2023: €1.37M
2024: €1.40M
2022 → 2025
Net result
€30k▲ 8.8%
2024 · €27k
2022: €27k
2023: €98k
2024: €27k
2022 → 2025
Total assets
€2.51M▼ 2.7%
2024 · €2.58M
2022: €2.67M
2023: €2.65M
2024: €2.58M
2022 → 2025
Solvency
54.0%▼ 0.4pp
2024 · 54.4%
2022: 53.8%
2023: 51.8%
2024: 54.4%
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€1.43M-€1.37M▼ 4.2%€1.40M▲ 2.0%€1.35M▼ 3.4%
Operating result€43k-€122k▲ 182%€46k▼ 62.2%€49k▲ 7.0%
Net result€27k-€98k▲ 256%€27k▼ 72.1%€30k▲ 8.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 7% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.51M
Fixed assets
€1.92M▼ 3.1%
Current assets
€583k▼ 1.7%
Equity and liabilities €2.51M
Equity
€1.35M▼ 3.4%
Provisions
€23k▼ 3.5%
Debt
€1.13M▼ 1.9%
The debt ratio rises from 44.7% to 45.1%: equity shrinks faster than debt is paid down.
Key figures and ratios
Solvency
54.0%▼
2024 · 54.4%
ROE
2.2%▲
2024 · 1.9%
ROA
1.2%▲
2024 · 1.1%
Debt
€1.13M▼
2024 · €1.15M
Debt ≤ 1 year
€161k▲
2024 · €126k
Debt > 1 year
€958k▼
2024 · €1.02M
Income taxes
€3k▲
2024 · €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
Total assets
20/58€2.58M€2.51M▼
Fixed assets
21/28€1.99M€1.92M▼
Tangible fixed assets
22/27€1.99M€1.92M▼
Current assets
29/58€593k€583k▼
Amounts receivable within one year
40/41€564k€398k▼
Cash & bank
54/58€26k€181k▲
Total equity & liabilities
10/49€2.58M€2.51M▼
Equity
10/15€1.40M€1.35M▼
Contributions / capital
10/11€6k€6k=
Reserves
13€1.40M€1.35M▼
Accumulated profits (losses)
14€0€0=
Provisions & deferred taxes
16€24k€23k▼
Amounts payable
17/49€1.15M€1.13M▼
Amounts payable after one year
17€1.02M€958k▼
Amounts payable within one year
42/48€126k€161k▲
Trade debts payable within one year
44€2k€20▼
Income statement
Code20242025
Gross operating margin
9900€125k€129k▲
Operating result
9901€46k€49k▲
Financial income
75€170€377▲
Financial charges
65€17k€18k▲
Result before taxes
9903€29k€32k▲
Income taxes
67/77€3k€3k▲
Net result for the period
9904€27k€30k▲
Result to be appropriated
9905€30k€32k▲
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2025
10-11
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
16-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Weakest financial yearnet €27k ▼72.1%
Net result drops to €27k, the lowest in the series; recovery starts the following year.
10-01
State Gazette act
Director changes
Véronique Delille
02-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
Financial
Highest result since 2022net €98k ▲256%
Operating result €122k, net result €98k, both a record.
23-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
27-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
15-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
21-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
21-12
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
21-02
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 21 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Structure & network
Ownership & control
1 partyMarcel CaenenBE 0465.185.472
controls
Where this company holds controlthis company sits on their board1
1 location
Comparable companies · same sector, comparable size
Similar companies · same sector, comparable size
RIXON
BE 0777.444.013
Mechelen · Eq €1.35M
DULCO BEHEER
BE 0459.808.704
Ravels · Eq €1.35M
223 CAPITAL
BE 0812.710.342
Brussel · Eq €1.35M
E-BINI
BE 0689.894.583
Antwerpen · Eq €1.35M
V.S. HOLDING
BE 0811.367.782
Lo-Reninge · Eq €1.35M
Of 24,686 companies in sector 64210 we hold annual accounts for 19,489. 11,915 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-01-1999
Fiscal year end30-06
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 26 filingsAddress and cadastre registers
Data from official sources, last processed on 21-08-2026. Scores and ratios are computed by Checked and are not a credit decision.