Summary
Conclusion
the dossier summarised in one paragraphPREFAHAY is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The company has been active since 2001 and the Belgian State Gazette contains no insolvency or warning signals. No processed annual-account figures are available; this conclusion rests on registry and State Gazette data only.
Based on State Gazette and CBE data.
Filing behaviour
From the deposit records, complete market-wide| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | nothing on record | not filed | - |
| 31-12-2024 | 31-07-2025 | 02-06-2025 | 59 d early | 2025-00119082 |
| 31-12-2023 | 31-07-2024 | 21-06-2024 | 40 d early | 2024-00178356 |
| 31-12-2022 | 31-07-2023 | 25-07-2023 | 6 d early | 2023-00300012 |
| 31-12-2021 | 31-07-2022 | 04-07-2022 | 27 d early | 2022-20153790 |
| 31-12-2020 | 31-07-2021 | 25-05-2021 | 67 d early | 2021-15400159 |
| 31-12-2019 | 31-07-2020 | 19-06-2020 | 42 d early | 2020-19400291 |
| 31-12-2018 | 31-07-2019 | 09-07-2019 | 22 d early | 2019-31200300 |
| 31-12-2017 | 31-07-2018 | 15-05-2018 | 77 d early | 2018-13300051 |
| 31-12-2016 | 31-07-2017 | 13-06-2017 | 48 d early | 2017-17300050 |
| 31-12-2015 | 31-07-2016 | 30-08-2016 | 30 d late | 2016-54200406 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsAdministrative Flags
Bankruptcy probability (12 mo)
Checked model v1 · free for everyoneThis is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.
Financials
Annual accounts & ratios
Source: NBB| Fiscal year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2024 | volledig | 02-06-2025 | 2025-00119082 |
| 31-12-2023 | volledig | 21-06-2024 | 2024-00178356 |
| 31-12-2022 | volledig | 25-07-2023 | 2023-00300012 |
| 31-12-2021 | volledig | 04-07-2022 | 2022-20153790 |
| 31-12-2020 | volledig | 25-05-2021 | 2021-15400159 |
| 31-12-2019 | volledig | 19-06-2020 | 2020-19400291 |
| 31-12-2018 | volledig | 09-07-2019 | 2019-31200300 |
| 31-12-2017 | volledig | 15-05-2018 | 2018-13300051 |
| 31-12-2016 | volledig | 13-06-2017 | 2017-17300050 |
| 31-12-2015 | volledig | 30-08-2016 | 2016-54200406 |
Directors
Directors & mandates
16 directors-
Cyrille SchréderDirectorState Gazette act 24108607 (18-07-2024)Current18-07-2024 → present
-
Delphine GryspeerdtDirectorState Gazette act 23087187 (10-07-2023)Current10-07-2023 → present
-
Agnès Keutgen-SchréderDirectorState Gazette act 22078849 (04-07-2022)Current04-07-2022 → present
-
Coline SimmonsDirectorState Gazette act 23087187 (10-07-2023)Current04-07-2022 → present
3 events
- 10-07-2023 Appointed· Director
- 04-07-2022 Appointed· Director
- 19-08-2021 Resigned· Director
-
Muriel SchréderDirectorState Gazette act 23087187 (10-07-2023)Current28-02-2020 → present
3 events
- 10-07-2023 Appointed· Director
- 04-07-2022 Appointed· Director
- 28-02-2020 Appointed· Director
-
Maximilien SchréderDirectorState Gazette act 23087187 (10-07-2023)Current18-04-2018 → present
3 events
- 10-07-2023 Appointed· Director
- 19-08-2021 Appointed· Director
- 18-04-2018 Appointed· Administrator
-
Agnès KeutgenDirectorState Gazette act 23087187 (10-07-2023)Current29-03-2011 → present
2 events
- 10-07-2023 Appointed· Director
- 29-03-2011 Appointed· Director
Historic, not recently confirmed (2)
-
Julia KeutgenAdministratorState Gazette act 18063803 (18-04-2018)Not recently confirmedlast confirmed in an act from 2018
-
Edith GryspeerdtDirectorState Gazette act 11047147 (29-03-2011)Not recently confirmedlast confirmed in an act from 2011
Former directors (7)
-
Nicolas KeutgenDirectorState Gazette act 21099930 (19-08-2021)Former19-08-2021 → 10-07-2023
2 events
- 10-07-2023 Resigned· Director
- 19-08-2021 Appointed· Director
-
Renaud GryspeerdtDirectorState Gazette act 23087187 (10-07-2023)Former- → 10-07-2023
-
Liliane SchréderDirectorState Gazette act 11047147 (29-03-2011)Former29-03-2011 → 04-07-2022
2 events
- 04-07-2022 Resigned· Director
- 29-03-2011 Appointed· Director
-
Alexandra SchréderDirectorState Gazette act 17063039 (04-05-2017)Former04-05-2017 → 19-08-2021
2 events
- 19-08-2021 Resigned· Director
- 04-05-2017 Appointed· Director
-
Edith SchréderDirectorState Gazette act 21099930 (19-08-2021)Former- → 19-08-2021
-
Francis SchréderDirectorState Gazette act 11047147 (29-03-2011)Former29-03-2011 → 28-02-2020
2 events
- 28-02-2020 Resigned· Director
- 29-03-2011 Appointed· Director
-
Jean SchréderDirectorState Gazette act 11047147 (29-03-2011)Former29-03-2011 → 04-05-2017
2 events
- 04-05-2017 Resigned· Director
- 29-03-2011 Appointed· Director
Statutory auditor
3 auditors| Statutory auditor | IRE/IBR number | Tenure |
|---|---|---|
| Christophe ColsonCurrent Company auditor |
- | 10-07-2023 → present |
| BDO Commissaire succeeded by Christophe Colson in 2023 |
- | 19-08-2021 → 10-07-2023 |
| Félix Fank Commissaire succeeded by BDO in 2021 |
- | 18-04-2018 → 19-08-2021 |
Insolvency mandates
Legal Structure
| NACE primary | Activiteiten van holdings(64210) |
| Legal form | Public limited company(014) |
| Incorporation | 15-10-2001 |
| Status | Active |
| Postal code | 1190 |
Structure & network
Locations & real estate
Registered office
from the Crossroads BankThis address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Lusambostraat 671190 VorstEstablishment units
1 locationReal-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21384D0085/00E003 | Brussels | 7,436 m² | 1 · 3,211 m² | 10.8 m · 3 fl. |
Publications
Lifecycle & Insolvency Signals
Belgisch Staatsblad · acts
12 acts18-07-2024 Cyrille Schréder appointed as director
28-08-2023 Articles of association amended
10-07-2023 6 directors appointed, 2 resigning
- Muriel Schréder, Bestuurder
- Agnès Keutgen, Bestuurder
- Coline Simmons, Bestuurder
- Maximilien Schréder, Bestuurder
- Delphine Gryspeerdt, Bestuurder
- Christophe Colson, Bedrijfsrevisor
- Nicolas Keutgen, Bestuurder
- Renaud Gryspeerdt, Bestuurder
04-07-2022 3 directors appointed, 1 resigning
- Agnès Keutgen-Schréder, Bestuurder
- Muriel Schréder, Bestuurder
- Coline Simmons, Bestuurder
- Liliane Schréder, Bestuurder
31-12-2021 Change in the board of directors
19-08-2021 3 directors appointed, 3 resigning
- Nicolas Keutgen, Bestuurder
- Maximilien Schréder, Bestuurder
- BDO, Commissaire
- Coline Simmons, Bestuurder
- Edith Schréder, Bestuurder
- Alexandra Schréder, Bestuurder
28-02-2020 1 director appointed, 1 resigning
04-07-2018 Change in the board of directors
18-04-2018 3 directors appointed
- Julia Keutgen, Administrator
- Maximilien Schréder, Administrator
- Félix Fank, Commissaire
04-05-2017 1 director appointed, 1 resigning
28-06-2016 Change in the board of directors
29-03-2011 5 directors appointed
- Edith Gryspeerdt, Bestuurder
- Francis Schréder, Bestuurder
- Jean Schréder, Bestuurder
- Liliane Schréder, Bestuurder
- Agnès Keutgen, Bestuurder
Analysis
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Company registry (CBE)
Crossroads Bank| Legal nameFR | PREFAHAY |
| AbbreviationFR | P.R.F. |