Summary
NIBISA 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 €188k and a net result of €105k. Equity is growing by ~8.1% per year across the filed fiscal years. Its solvency ranks better than 54% of 8023 sector peers (fiscal year 2025). The company has been active since 2016 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 16-04-2026, 106 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
106 d early
2024
7 d early
2023
92 d early
2022
27 d early
2021
54 d early
2020
36 d early
2019
17 d late
← 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
€188k▼ 31.4%
2024 · €274k
2018: €110k
2019: €172k
2020: €174k
2021: €228k
2022: €246k
2023: €184k
2024: €274k
2018 → 2025
Net result
€105k▲ 16.8%
2024 · €90k
2018: €62k
2019: €62k
2020: €54k
2021: €56k
2022: €59k
2023: €83k
2024: €90k
2018 → 2025
Total assets
€333k▲ 15.6%
2024 · €288k
2018: €179k
2019: €236k
2020: €209k
2021: €248k
2022: €304k
2023: €344k
2024: €288k
2018 → 2025
Solvency
56.4%▼ 38.6pp
2024 · 95.0%
2018: 61.3%
2019: 72.9%
2020: 83.2%
2021: 92.1%
2022: 80.9%
2023: 53.5%
2024: 95.0%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€228k-€246k▲ 7.7%€184k▼ 25.3%€274k▲ 48.9%€188k▼ 31.4%
Operating result€78k-€79k▲ 1.6%€106k▲ 34.0%€120k▲ 13.5%€134k▲ 10.9%
Net result€56k-€59k▲ 5.5%€83k▲ 40.0%€90k▲ 8.9%€105k▲ 16.8%
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 four years in a row; 2025 is 11% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €333k
Fixed assets
€10k ▲ 42.5%
Current assets
€323k ▲ 14.9%
Equity and liabilities €333k
Equity
€188k ▼ 31.4%
Debt
€145k ▲ 916%
Debt's share of the balance-sheet total rises from 5.0% to 43.6%. Equity is lower and debt is higher.
Key figures and ratios
ROE
55.9%▲
2024 · 32.8%
ROA
31.5%▲
2024 · 31.2%
Debt ≤ 1 year
€145k▲
2024 · €14k
Income taxes
€30k▲
2024 · €27k
Staff costs
€5
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 · 47 lines
Balance sheet
Code20242025
Assets
Total assets20/58€288k€333k▲
Fixed assets21/28€7k€10k▲
Tangible fixed assets22/27€7k€10k▲
Plant, machinery and equipment23-€5k
Furniture and vehicles24€7k€5k▼
Current assets29/58€281k€323k▲
Amounts receivable within one year40/41€21k€34k▲
Trade receivables40€21k€28k▲
Other amounts receivable41€0€6k▲
Current investments50/53€192k€77k▼
Cash at bank and in hand54/58€69k€203k▲
Deferred charges and accrued income490/1€0€9k▲
Equity and liabilities
Total equity and liabilities10/49€288k€333k▲
Equity10/15€274k€188k▼
Contributions10/11€19k€19k=
Reserves13€255k€169k▼
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€255k€169k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€14k€145k▲
Amounts payable within one year42/48€14k€145k▲
Trade debts44€2k€29k▲
Suppliers440/4€2k€29k▲
Taxes, remuneration and social security45€8k€14k▲
Taxes450/3€8k€12k▲
Remuneration and social security454/9-€2k
Other amounts payable47/48€4k€102k▲
Income statement
Code20242025
Remuneration, social security and pensions62-€5
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€5k▲
Other operating charges640/8€2k€2k▼
Gross operating margin9900€126k€140k▲
Operating profit (loss)9901€120k€134k▲
Financial income75/76B€1k€2k▲
Recurring financial income75€1k€2k▲
Financial charges65/66B€5k€304▼
Recurring financial charges65€5k€304▼
Profit (loss) for the period before taxes9903€117k€135k▲
Income taxes67/77€27k€30k▲
Profit (loss) for the period9904€90k€105k▲
Profit (loss) for the period to be appropriated9905€90k€105k▲
Appropriation of the result
Profit (loss) to be appropriated9906€90k€105k▲
Transfer from equity791/2€0€91k▲
Transfer to equity691/2€90k€5k▼
To other reserves6921€90k€5k▼
Profit to be distributed694/7€0€191k▲
Return on contributions (dividend)694€0€191k▲
The notes to these accounts (5 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
16-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €105k ▲16.8%
Operating result €134k, net result €105k, both a record.
24-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity times 9current ratio 19.69
Current ratio from 2.09 to 19.69; short-term debt falls from €160k to €14k.
31-12
Financial
Equity above €200kEq €274k ▲48.9%
7 profitable years in a row build equity to €274k.
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
04-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
07-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Liquidity doublescurrent ratio 12.17
Current ratio from 5.59 to 12.17; short-term debt falls from €35k to €20k.
31-12
Financial
Equity above €200kEq €228k ▲31.1%
4 profitable years in a row build equity to €228k.
25-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €54k ▼13.8%
Net result drops to €54k, the lowest in the series; recovery starts the following year.
Show earlier events
17-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 17 days late
2019
31-12
Financial
Equity above €150kEq €172k ▲56.9%
2 profitable years in a row build equity to €172k.
15-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
13-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Deinze · 1 establishment unit since 2016
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.
Leernsesteenweg 3319800 DeinzeGround area
1,057 m²
Building footprint
218 m²
Volume, LiDAR
999 m³
Parcel 44065A0506/00H000, Flanders · tallest building 6.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
NIBISA
since 20162.252.341.087
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44065A0506/00H000 | Flanders | 1,057 m² | 1 · 218 m² | 6.0 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.
Similar companies · same sector, comparable size
KENKAT
BE 0893.483.529
Grimbergen · Eq €187,938
LUPUS
BE 0835.938.575
Brugge · Eq €187,844
GOCON
BE 0847.085.063
Opwijk · Eq €187,834
DELCOR
BE 0544.908.584
Evergem · Eq €187,809
PIETER DHAESE
BE 0650.599.883
Brugge · Eq €188,048
Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 13,481 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
Founded15-04-2016
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
70200Business and other management consultancy
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.