Summary
PROMISED 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 €1.06M and a net result of €52k. Equity is growing by ~9.7% per year across the filed fiscal years. Its solvency ranks better than 89% of 8023 sector peers (fiscal year 2025). The company has been active since 2006 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 check for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 16-09-2026, 47 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 · 10 filingsDeviation from the deadline
2025
47 d late
2024
26 d late
2023
6 d early
2022
44 d late
2021
39 d late
2020
17 d late
2019
39 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
€1.06M▲ 5.1%
2024 · €1.01M
2018: €557k
2019: €694k
2020: €789k
2021: €881k
2022: €971k
2023: €1.07M
2024: €1.01M
2018 → 2025
Net result
€52k
2024 · €-64k
2018: €69k
2019: €137k
2020: €95k
2021: €92k
2022: €90k
2023: €99k
2024: €-64k
2018 → 2025
Total assets
€1.16M▼ 4.6%
2024 · €1.22M
2018: €1.45M
2019: €1.27M
2020: €1.27M
2021: €1.29M
2022: €1.34M
2023: €1.37M
2024: €1.22M
2018 → 2025
Solvency
91.2%▲ 8.4pp
2024 · 82.7%
2018: 38.5%
2019: 54.7%
2020: 62.1%
2021: 68.4%
2022: 72.4%
2023: 78.0%
2024: 82.7%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€881k-€971k▲ 10.2%€1.07M▲ 10.2%€1.01M▼ 6.0%€1.06M▲ 5.1%
Operating result€149k-€139k▼ 7.2%€151k▲ 9.2%€-56k€65k
Net result€92k-€90k▼ 2.4%€99k▲ 10.8%€-64k€52k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €65k after a loss of €56k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.16M
Fixed assets
€1.09M ▼ 5.1%
Current assets
€74k ▲ 4.2%
Equity and liabilities €1.16M
Equity
€1.06M ▲ 5.1%
Debt
€102k ▼ 51.3%
Debt's share of the balance-sheet total falls from 17.3% to 8.8%. Equity is higher and debt is lower.
Key figures and ratios
ROE
4.9%▲
2024 · -6.4%
ROA
4.5%▲
2024 · -5.3%
Debt ≤ 1 year
€64k▼
2024 · €139k
Debt > 1 year
€38k▼
2024 · €71k
Income taxes
€8k▲
2024 · €260
Staff costs
€1k▼
2024 · €2k
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€1.22M€1.16M▼
Fixed assets21/28€1.14M€1.09M▼
Tangible fixed assets22/27€1.14M€1.09M▼
Land and buildings22€1.11M€1.07M▼
Plant, machinery and equipment23€14k€11k▼
Furniture and vehicles24€11k€4k▼
Leasing and similar rights25€7k-
Current assets29/58€71k€74k▲
Amounts receivable within one year40/41€55k€17k▼
Trade receivables40€35k€9k▼
Other amounts receivable41€20k€8k▼
Cash at bank and in hand54/58€16k€38k▲
Deferred charges and accrued income490/1-€19k
Equity and liabilities
Total equity and liabilities10/49€1.22M€1.16M▼
Equity10/15€1.01M€1.06M▲
Contributions10/11€19k€19k=
Reserves13€1.05M€1.10M▲
Distributable reserves133€1.05M€1.10M▲
Profit (loss) carried forward14€-64k€-64k=
Amounts payable17/49€210k€102k▼
Amounts payable after more than one year17€71k€38k▼
Financial debts170/4€71k€38k▼
Amounts payable within one year42/48€139k€64k▼
Current portion of amounts payable after more than one year42€46k€33k▼
Trade debts44€16k€16k▼
Suppliers440/4€16k€16k▼
Taxes, remuneration and social security45€14k€7k▼
Taxes450/3€14k€7k▼
Other amounts payable47/48€63k€8k▼
Income statement
Code20242025
Remuneration, social security and pensions62€2k€1k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€64k€56k▼
Other operating charges640/8€36k€37k▲
Gross operating margin9900€45k€159k▲
Operating profit (loss)9901€-56k€65k▲
Financial income75/76B€8€831▲
Recurring financial income75€8€831▲
Financial charges65/66B€8k€6k▼
Recurring financial charges65€8k€6k▼
Profit (loss) for the period before taxes9903€-64k€60k▲
Income taxes67/77€260€8k▲
Profit (loss) for the period9904€-64k€52k▲
Profit (loss) for the period to be appropriated9905€-64k€52k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-64k€-13k▲
Profit (loss) brought forward from the previous period14P-€-64k
Transfer to equity691/2-€52k
To other reserves6921-€52k
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
2026
16-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 47 days late
2025
31-12
Financial
Back to profitnet €52k
Net result €52k after one loss-making year.
31-12
Financial
Liquidity doublescurrent ratio 1.15
Current ratio from 0.51 to 1.15; short-term debt falls from €139k to €64k.
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
31-12
Financial
Weakest financial yearnet €-64k ▼165%
Net result drops to €-64k, the lowest in the series; recovery starts the following year.
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Equity above €1MEq €1.07M ▲10.2%
6 profitable years in a row build equity to €1.07M.
13-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 44 days late
2022
08-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 39 days late
2021
17-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 17 days late
2020
08-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 39 days late
2019
31-12
Financial
Highest result since 2018net €137k ▲97.5%
Operating result €233k, net result €137k, both a record.
Show earlier events
31-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 31 days late
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
28-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Sint-Niklaas · 1 establishment unit since 2006
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.
Burmstraat 499111 Sint-NiklaasGround area
7,991 m²
Building footprint
261 m²
Volume, LiDAR
1,115 m³
Parcel 46002A1225/00C000, Flanders · tallest building 9.3 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
PROMISED
since 20062.155.375.137
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46002A1225/00C000 | Flanders | 7,991 m² | 1 · 261 m² | 9.3 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.
Similar companies · same sector, comparable size
PJ INVEST
BE 0842.736.889
Kasterlee · Eq €1,057,437
GROUP VERBEKE
BE 0441.823.419
Ledegem · Eq €1,057,172
PERMEKE INVEST
BE 0476.502.503
Jabbeke · Eq €1,057,102
VDV BEHEER
BE 0464.066.509
Antwerpen · Eq €1,057,664
GIADELCO
BE 0891.796.026
Aywaille · Eq €1,056,557
Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 12,544 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
Founded26-07-2006
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
68110Buying and selling of own real estate
70200Business and other management consultancy
73300Public relations and communication consultancy
82990Other business support services
82300Organisation of conventions and trade shows
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.