Summary
N2D2 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 €763k and a net result of €8k. Equity is shrinking by ~19.9% per year across the filed fiscal years. Its solvency ranks better than 69% of 2394 sector peers (fiscal year 2025). The company has been active since 2001 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 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
21 d early
2023
12 d late
2022
56 d early
2021
63 d early
2020
10 d early
2019
53 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 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 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, full schema
Equity
€763k=
2024 · €763k
2019: €2.32M
2020: €2.32M
2021: €2.32M
2022: €702k
2023: €744k
2024: €763k
2019 → 2025
Net result
€8k▼ 75.7%
2024 · €32k
2019: €55k
2020: €59k
2021: €60k
2022: €-1.56M
2023: €42k
2024: €32k
2019 → 2025
Total assets
€945k▼ 0.1%
2024 · €946k
2019: €2.90M
2020: €2.93M
2021: €2.84M
2022: €1.13M
2023: €969k
2024: €946k
2019 → 2025
Solvency
80.7%▲ 0.1pp
2024 · 80.7%
2019: 79.7%
2020: 79.0%
2021: 81.6%
2022: 62.4%
2023: 76.8%
2024: 80.7%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2.32M-€702k▼ 69.7%€744k▲ 6.0%€763k▲ 2.5%€763k=
Operating result€91k-€98k▲ 7.4%€39k▼ 59.8%€43k▲ 8.6%€11k▼ 75.2%
Net result€60k-€-1.56M€42k€32k▼ 24.0%€8k▼ 75.7%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 75% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €945k
Fixed assets
€628k ▲ 0.2%
Current assets
€317k ▼ 0.7%
Equity and liabilities €945k
Equity
€763k =
Debt
€182k ▼ 0.4%
Debt's share of the balance-sheet total falls from 19.3% to 19.3%. Debt is lower.
Key figures and ratios
ROE
1.0%▼
2024 · 4.2%
ROA
0.8%▼
2024 · 3.4%
Debt ≤ 1 year
€75k▼
2024 · €76k
Debt > 1 year
€107k=
2024 · €107k
Income taxes
€5k▼
2024 · €14k
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€946k€945k▼
Fixed assets21/28€627k€628k▲
Tangible fixed assets22/27-€1k
Furniture and vehicles24-€1k
Financial fixed assets28€627k€627k=
Current assets29/58€319k€317k▼
Amounts receivable within one year40/41€286k€290k▲
Trade receivables40€23k€16k▼
Other amounts receivable41€263k€274k▲
Cash at bank and in hand54/58€33k€25k▼
Deferred charges and accrued income490/1-€2k
Equity and liabilities
Total equity and liabilities10/49€946k€945k▼
Equity10/15€763k€763k=
Contributions10/11€1.34M€1.34M=
Capital10€1.34M€1.34M=
Issued capital100€1.34M€1.34M=
Reserves13€134k€134k=
Non-distributable reserves130/1€134k€134k=
Legal reserve130€134k€134k=
Profit (loss) carried forward14€-711k€-711k=
Amounts payable17/49€183k€182k▼
Amounts payable after more than one year17€107k€107k=
Financial debts170/4€107k€107k=
Amounts payable within one year42/48€76k€75k▼
Trade debts44€3k€8k▲
Suppliers440/4€3k€8k▲
Taxes, remuneration and social security45€21k€6k▼
Taxes450/3€21k€6k▼
Remuneration and social security454/9-€45
Other amounts payable47/48€52k€61k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€439€1▼
Other operating charges640/8€4k€2k▼
Gross operating margin9900€48k€12k▼
Operating profit (loss)9901€43k€11k▼
Financial income75/76B€7k€7k▲
Recurring financial income75€7k€7k▲
Financial charges65/66B€4k€4k▲
Recurring financial charges65€4k€4k▲
Profit (loss) for the period before taxes9903€46k€13k▼
Income taxes67/77€14k€5k▼
Profit (loss) for the period9904€32k€8k▼
Profit (loss) for the period to be appropriated9905€32k€8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-711k€-703k▲
Profit (loss) brought forward from the previous period14P€-743k€-711k▲
Profit to be distributed694/7-€8k
Return on contributions (dividend)694-€8k
The notes to these accounts (10 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
10-01
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
12-02
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 12 days late
2023
30-06
Financial
Back to profitnet €42k
Net result €42k after one loss-making year.
30-06
Financial
Liquidity triplescurrent ratio 2.90
Current ratio from 1.10 to 2.90; short-term debt falls from €316k to €118k.
2022
06-12
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
30-06
Financial
Weakest financial yearnet €-1.56M ▼2674%
Net result drops to €-1.56M, the lowest in the series; recovery starts the following year.
2021
29-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
30-06
Financial
Highest result since 2019net €60k ▲2.8%
Net result €60k, the highest in the series.
21-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
09-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
24-01
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
22-12
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2016
13-12
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB 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, Esneux · 1 establishment unit since 2001
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.
Rue Hachelette 244130 EsneuxGround area
1,997 m²
Building footprint
20 m²
Volume, LiDAR
12 m³
Parcel 62101B0190/00C011, Wallonia · tallest building 2.4 m. Linked by address, not a title deed.
1 establishment unit
Rue Hachelette 24, 4130 Esneux
since 20012.103.194.877
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62101B0190/00C011 | Wallonia | 1,997 m² | 1 · 20 m² | 2.4 m |
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.
Similar companies · same sector, comparable size
West
BE 0506.702.264
Antwerpen · Eq €762,659
PROMOTIEMANAGEMENT
BE 0466.968.292
Nijlen · Eq €762,627
BRUYCARE
BE 0632.800.878
Genk · Eq €763,077
LITOMA
BE 0478.838.025
Bocholt · Eq €763,095
VITAPO
BE 0638.890.597
Vorselaar · Eq €763,219
Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 13,220 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
Founded11-05-2001
Fiscal year end30-06
Activities, NACEBEL 2025
64210Activities of holding companies
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 24 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.