Profadvies
ActiveProfadvies is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show negative equity (€-4k) and a net result of €-26k. Equity is growing by ~34.3% per year across the filed fiscal years. Its solvency ranks better than 5% of 2351 sector peers (fiscal year 2025). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 5% of 2351 sector peers (2025).
NBB · sector comparisonPosition among 2351 sector peers
Solvency
better than 5%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-08-2026, 21 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 8 filingsDeviation from the deadline
2025
21 d late
2024
28 d late
2023
50 d late
2022
17 d late
2021
16 d late
2020
26 d late
2019
31 d late
← before the deadline
after the deadline →
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
05-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-4k
2024 · €21k
2021: €-10k
2022: €-19k
2023: €-13k
2024: €21k
2021 → 2025
Net result
€-26k
2024 · €34k
2021: €-2k
2022: €-9k
2023: €5k
2024: €34k
2021 → 2025
Total assets
€8k▼ 75.9%
2024 · €32k
2021: €26k
2022: €16k
2023: €18k
2024: €32k
2021 → 2025
Solvency
-57.0%▼ 122.3pp
2024 · 65.3%
2021: -38.4%
2022: -117.3%
2023: -73.9%
2024: 65.3%
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-10k-€-19k▼ 87.7%€-13k▲ 28.6%€21k€-4k
Operating result€-959-€-7k▼ 656%€6k€49k▲ 775%€-25k
Net result€-2k-€-9k▼ 336%€5k€34k▲ 547%€-26k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €25k after €49k in 2024, the lowest year so far.
Balance-sheet composition
Assets €8k
Fixed assets
€1k
Current assets
€7k
Key figures and ratios
Solvency
-57.0%▼
2024 · 65.3%
ROE
574.4%▲
2024 · 162.6%
ROA
-327.4%▼
2024 · 106.2%
Debt
€12k▲
2024 · €11k
Debt ≤ 1 year
€12k▲
2024 · €11k
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€32k€8k▼
Fixed assets
21/28-€1k
Tangible fixed assets
22/27-€1k
Current assets
29/58€32k€7k▼
Amounts receivable within one year
40/41€1k-
Cash & bank
54/58€31k€7k▼
Total equity & liabilities
10/49€32k€8k▼
Equity
10/15€21k€-4k▼
Contributions / capital
10/11€1k€1k=
Reserves
13€20k€20k=
Accumulated profits (losses)
14-€-26k
Amounts payable
17/49€11k€12k▲
Amounts payable within one year
42/48€11k€12k▲
Trade debts payable within one year
44€189€127▼
Income statement
Code20242025
Gross operating margin
9900€50k€-24k▼
Operating result
9901€49k€-25k▼
Financial charges
65€323€153▼
Result before taxes
9903€49k€-26k▼
Income taxes
67/77€15k-
Net result for the period
9904€34k€-26k▼
Result to be appropriated
9905€34k€-26k▼
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
21-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 21 days late
2025
31-12
Financial
Weakest financial yearnet €-26k ▼174%
Net result drops to €-26k, the lowest in the series.
28-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 28 days late
2024
31-12
Financial
Highest result since 2021net €34k ▲547%
Operating result €49k, net result €34k, both a record.
31-12
Financial
Liquidity times 5current ratio 2.88
Current ratio from 0.58 to 2.88; short-term debt falls from €31k to €11k.
19-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 50 days late
08-01
State Gazette act
Minor change
Statutes change · BART VAN THIELEN
2023
31-12
Financial
Back to profitnet €5k
Net result €5k after 2 loss-making years.
17-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 17 days late
2022
16-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 16 days late
2021
26-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 26 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
29-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 1 act read
Directors · office · real estate
Comparable companies · same sector, comparable size
Similar companies · same sector, comparable size
HEUSER & SCHRÖDER VERSICHERUNGEN
BE 0544.646.486
Eupen · Eq €21k
IdeeoTopies
BE 1010.448.406
Charleroi · Eq €22k
FOMM Investments
BE 0803.548.988
Kontich · Eq €20k
Denacx
BE 0791.803.773
Geraardsbergen · Eq €22k
AEC CONSULTING
BE 0777.481.724
Brussel · Eq €23k
Of 237 companies in sector 66290 we hold annual accounts for 144. 74 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-06-2017
Fiscal year end31-12
Activities, NACEBEL
66290Activities auxiliary to financial services and insurance activities
Sources
Crossroads Bank for EnterprisesBelgian Official Gazette · 1 actNational Bank · 8 filingsAddress and cadastre registers
Data from official sources, last processed on 14-07-2026. Scores and ratios are computed by Checked and are not a credit decision.