Summary
Mijn Huis 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 €9.55M and a net result of €-125k. Equity remains stable across the filed fiscal years (±1.5% per year). Its solvency ranks better than 80% of 5527 sector peers (fiscal year 2025). The company has been active since 1949 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
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 23-03-2026, 130 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
130 d early
2024
125 d early
2023
124 d early
2022
122 d early
2021
30 d early
2020
127 d early
2019
115 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, abbreviated schema
Equity
€9.55M▼ 1.3%
2024 · €9.67M
2018: €10.64M
2019: €10.47M
2020: €10.16M
2021: €10.13M
2022: €9.99M
2023: €9.80M
2024: €9.67M
2018 → 2025
Net result
€-125k▲ 1.4%
2024 · €-127k
2018: €-267k
2019: €-178k
2020: €-307k
2021: €-32k
2022: €-138k
2023: €-190k
2024: €-127k
2018 → 2025
Total assets
€11.17M▼ 5.2%
2024 · €11.79M
2018: €17.23M
2019: €16.32M
2020: €15.37M
2021: €14.65M
2022: €13.70M
2023: €12.71M
2024: €11.79M
2018 → 2025
Solvency
85.5%▲ 3.4pp
2024 · 82.1%
2018: 61.8%
2019: 64.1%
2020: 66.1%
2021: 69.1%
2022: 72.9%
2023: 77.1%
2024: 82.1%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€10.13M-€9.99M▼ 1.4%€9.80M▼ 1.9%€9.67M▼ 1.3%€9.55M▼ 1.3%
Operating result€-80k-€-100k▼ 26.0%€-220k▼ 119%€-159k▲ 27.7%€-175k▼ 10.5%
Net result€-32k-€-138k▼ 334%€-190k▼ 37.4%€-127k▲ 33.2%€-125k▲ 1.4%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €175k in 2025 against €159k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €11.17M
Fixed assets
€228k ▼ 7.1%
Current assets
€10.94M ▼ 5.2%
Equity and liabilities €11.17M
Equity
€9.55M ▼ 1.3%
Provisions
€110k ▼ 5.8%
Debt
€1.51M ▼ 24.3%
Debt's share of the balance-sheet total falls from 16.9% to 13.5%. Equity and debt are lower.
Key figures and ratios
ROE
-1.3%▲
2024 · -1.3%
ROA
-1.1%▼
2024 · -1.1%
Debt ≤ 1 year
€330k▼
2024 · €542k
Debt > 1 year
€1.18M▼
2024 · €1.45M
Staff costs
€203k▲
2024 · €194k
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 · 58 lines
Balance sheet
Code20242025
Assets
Total assets20/58€11.79M€11.17M▼
Fixed assets21/28€245k€228k▼
Tangible fixed assets22/27€245k€228k▼
Land and buildings22€0-
Plant, machinery and equipment23€3k€3k▼
Furniture and vehicles24€0-
Leasing and similar rights25€242k€225k▼
Financial fixed assets28€0€0=
Current assets29/58€11.54M€10.94M▼
Amounts receivable after more than one year29€7.62M€6.49M▼
Trade receivables290€7.62M€6.49M▼
Amounts receivable within one year40/41€891k€868k▼
Trade receivables40€886k€863k▼
Other amounts receivable41€6k€5k▼
Current investments50/53€1.04M€2.49M▲
Cash at bank and in hand54/58€1.97M€1.08M▼
Deferred charges and accrued income490/1€20k€17k▼
Equity and liabilities
Total equity and liabilities10/49€11.79M€11.17M▼
Equity10/15€9.67M€9.55M▼
Contributions10/11€402k€402k=
Capital10€402k€402k=
Issued capital100€409k€409k=
Uncalled capital101€7k€7k=
Reserves13€9.27M€9.15M▼
Non-distributable reserves130/1€41k€41k=
Legal reserve130€41k€41k=
Distributable reserves133€9.23M€9.11M▼
Provisions and deferred taxes16€117k€110k▼
Provisions for liabilities and charges160/5€117k€110k▼
Other liabilities and charges164/5€117k€110k▼
Amounts payable17/49€2.00M€1.51M▼
Amounts payable after more than one year17€1.45M€1.18M▼
Financial debts170/4€1.45M€1.18M▼
Amounts payable within one year42/48€542k€330k▼
Current portion of amounts payable after more than one year42€477k€271k▼
Trade debts44€41k€34k▼
Suppliers440/4€41k€34k▼
Taxes, remuneration and social security45€24k€25k▲
Remuneration and social security454/9€24k€25k▲
Accrued charges and deferred income492/3€1k€250▼
Income statement
Code20242025
Remuneration, social security and pensions62€194k€203k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€17k=
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€-26k€-7k▲
Other operating charges640/8€20k€1k▼
Gross operating margin9900€46k€39k▼
Operating profit (loss)9901€-159k€-175k▼
Financial income75/76B€64k€54k▼
Recurring financial income75€62k€47k▼
Non-recurring financial income76B€2k€8k▲
Financial charges65/66B€32k€4k▼
Recurring financial charges65€32k€4k▼
Non-recurring financial charges66B€0€0=
Profit (loss) for the period before taxes9903€-127k€-125k▲
Profit (loss) for the period9904€-127k€-125k▲
Profit (loss) for the period to be appropriated9905€-127k€-125k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-127k€-125k▲
Transfer from equity791/2€127k€125k▼
Social balance
Average headcount (FTE)90871.01.0=
The notes to these accounts (14 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
04-08
State Gazette act
Appointment: VAN HAVERMAET BEDRIJFREVISOREN BV (statutory auditor)Permanent representative: Ira NICOLAIJ3 facts ▸
State Gazette act
Appointment: VAN HAVERMAET BEDRIJFREVISOREN BV (statutory auditor)
Permanent representative: Ira NICOLAIJ3 facts ▸
- General meeting, 22 maart 2026
- Auditor appointment, VAN HAVERMAET BEDRIJFREVISOREN BV (statutory auditor)
- Permanent representative, Ira NICOLAIJ
23-03
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
28-03
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
29-03
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-03
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
01-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
26-03
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Weakest financial yearnet €-307k
Net result drops to €-307k, the lowest in the series; recovery starts the following year.
07-04
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
02-04
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
06-04
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
06-04
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Sint-Truiden · 1 establishment unit since 1949
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.
Beekstraat 283800 Sint-TruidenGround area
182 m²
Building footprint
212 m²
Volume, LiDAR
1,323 m³
Parcel 71053H1294/00A000, Flanders · tallest building 14.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Beekstraat 28, 3800 Sint-Truiden
since 19492.003.395.438
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71053H1294/00A000 | Flanders | 181 m² | 1 · 212 m² | 14.4 m · 1 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Statutory auditor
1 auditor| VAN HAVERMAET BEDRIJFREVISOREN BVCurrent Statutory auditor · represented by Ira NICOLAIJ | 04-08-2026 → present |
Recognitions · licences · registrations
Legal Entity Identifier
875500RHXI020Y52GA32
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PROXIPRET
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Of 93 companies in sector 64922 we hold annual accounts for 75. 39 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 formPublic limited company
Founded01-01-1949
Fiscal year end31-12
Activities, NACEBEL 2025
64922Financial service activities, except insurance and pension funding
Sources
Crossroads Bank for EnterprisesNational Bank · 48 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
General meetings
12 convocationsOrdinary general meeting
Agenda
1. Tekenen aanwezigheidslijst, nazicht volmachten 2. Benoeming voorzitter en secretaris van de Algemene Vergadering (bureau) 3. Jaarverslag raad van bestuur en verslag commissaris 4. Kennisname en goedkeuring van de jaarrekening 5. De toebedeling van de winst/verlies van het boekjaar 6. Kwijting van bestuurders en commissaris 7. Herbenoeming commissaris 8. Volmacht 9. Varia
Extraordinary general meeting
Agenda
van deze buitengewone algemene vergadering is identiek aan de agenda van de buitengewone algemene vergadering van 27 maart 2025, en luidt als volgt : 1. Tekenen aanwezigheidslijst, nazicht volmachten. 2. Benoeming voorzitter en secretaris van de algemene vergadering (bureau). 3. Wijziging statuten (aanpassing aan het « nieuwe » Wetboek van Vennootschappen en Verenigingen - zonder wijziging doel). 4. Varia.
Extraordinary general meeting
Agenda
als de eerste, op 17 april 2025, om 11 uur. Deze vergadering zal geldig kunnen beraadslagen en besluiten ongeacht het aantal aanwezige of vertegen- woordigde aandelen. De agenda van deze buitengewone algemene vergadering zal bestaan uit : 1. Tekenen aanwezigheidslijst, nazicht volmachten. 2. Benoeming voorzitter en secretaris van de algemene vergadering (bureau). 3. Wijziging statuten (aanpassing aan het « nieuwe » Wetboek van Vennootschappen en Verenigingen - zonder wijziging doel). 4. Varia.
Ordinary general meeting
Agenda
1. Tekenen aanwezigheidslijst, nazicht volmachten. 2. Benoeming voorzitter en secretaris van de algemene vergadering (bureau). 3. Jaarverslag raad van bestuur en verslag commissaris. 4. Kennisname en goedkeuring van de jaarrekening. 5. De toebedeling van de winst/verlies van het boekjaar. 6. Kwijting van bestuurders en commissaris. 7. Ontslag voltallige raad van bestuur. 8. Benoeming nieuwe leden raad van bestuur. 9. Volmacht. 10. Varia.
Ordinary general meeting
Agenda
1. Tekenen aanwezigheidslijst, nazicht volmachten. 2. Benoeming voorzitter en secretaris van de algemene vergadering (bureau). 3. Jaarverslag raad van bestuur en verslag commissaris. 4. Kennisname en goedkeuring van de jaarrekening. 5. De toebedeling van de winst/verlies van het boekjaar. 6. Kwijting van bestuurders en commissaris. 7. Ontslag voltallige raad van bestuur. 8. Benoeming nieuwe leden raad van bestuur. 9. Volmacht. 10. Varia.
Show 7 more convocations
Ordinary general meeting
Agenda
Ontlasting en benoeming commissaris. Verslag van bestuurders en commissaris. Goedkeuring van jaarrekening. Resultaatverdeling. Ontlasting van de bestuurders en commissaris. Statutaire verkiezingen. Varia.
Ordinary general meeting
Agenda
Verslag van bestuurders en bedrijfsrevisor. Goedkeuring van Balans en Resultaatrekening. Resultaatverdeling. Ontlasting van de bestuurders. Statutaire verkiezingen. Varia.
Ordinary general meeting
Agenda
Verslag van bestuurders en bedrijfsrevisor. Goedkeuring van Balans en Resultaatrekening. Resultaatverdeling. Ontlasting van de bestuurders. Statutaire verkiezingen. Varia.
Ordinary general meeting
Agenda
Verslag van bestuurders en bedrijfsrevisor. Goedkeuring van Balans en Resultaatrekening. Resultaatverdeling. Ontlasting van de bestuurders. Statutaire verkiezingen. Varia.
General meeting
Ordinary general meeting
Agenda
Verslag van bestuurders en bedrijfsrevisor. Goedkeuring van balans en resultaatrekening. Resultaatverdeling. Ontlasting van de bestuurders. Statutaire verkiezingen. Varia.
Ordinary general meeting
Agenda
Verslag van bestuurders en bedrijfsrevisor. Goedkeuring van Balans en Resultaatrekening. Resultaatverdeling. Ontlasting van de bestuurders. Statutaire verkiezingen. Varia.