RANSON-HAERYNCK 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 €898k and a net result of €257k. Equity remains stable across the filed fiscal years (±1.8% per year). Its solvency ranks better than 52% of 2430 sector peers (fiscal year 2025). The company has been active since 1999 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
Three signals. 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 31-08-2026, 31 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
31 d late
2024
57 d late
2023
58 d late
2022
13 d early
2021
29 d late
2020
60 d late
2019
6 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€898k▼ 34.8%
2024 · €1.38M
2019: €1.03M
2020: €899k
2021: €891k
2022: €971k
2023: €1.10M
2024: €1.38M
2019 → 2025
Net result
€257k▼ 31.5%
2024 · €375k
2019: €102k
2020: €329k
2021: €161k
2022: €181k
2023: €209k
2024: €375k
2019 → 2025
Total assets
€1.69M▲ 8.5%
2024 · €1.56M
2019: €1.15M
2020: €1.05M
2021: €1.11M
2022: €1.20M
2023: €1.33M
2024: €1.56M
2019 → 2025
Solvency
53.1%▼ 35.3pp
2024 · 88.4%
2019: 89.7%
2020: 85.5%
2021: 80.5%
2022: 80.6%
2023: 82.7%
2024: 88.4%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€891k-€971k▲ 9.1%€1.10M▲ 13.6%€1.38M▲ 24.9%€898k▼ 34.8%
Operating result€252k-€263k▲ 4.3%€292k▲ 11.3%€538k▲ 84.0%€354k▼ 34.2%
Net result€161k-€181k▲ 11.9%€209k▲ 15.5%€375k▲ 79.5%€257k▼ 31.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 34% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.69M
Fixed assets
€534k▲ 74.8%
Current assets
€1.16M▼ 7.6%
Equity and liabilities €1.69M
Equity
€898k▼ 34.8%
Debt
€793k▲ 337%
The debt ratio rises from 11.6% to 46.9%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
53.1%▼
2024 · 88.4%
ROE
28.6%▲
2024 · 27.2%
ROA
15.2%▼
2024 · 24.0%
Debt
€793k▲
2024 · €182k
Debt ≤ 1 year
€793k▲
2024 · €173k
Income taxes
€115k▼
2024 · €171k
Staff costs
€55k▲
2024 · €46k
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
Assets
Total assets20/58€1.56M€1.69M▲
Fixed assets21/28€305k€534k▲
Intangible fixed assets21€52k€36k▼
Tangible fixed assets22/27€252k€497k▲
Land and buildings22€184k€443k▲
Furniture and vehicles24€69k€54k▼
Financial fixed assets28€1k€1k=
Current assets29/58€1.25M€1.16M▼
Amounts receivable within one year40/41€33k€11k▼
Trade receivables40€12k€11k▼
Other amounts receivable41€20k-
Current investments50/53€999k€99k▼
Cash at bank and in hand54/58€220k€1.05M▲
Deferred charges and accrued income490/1€2k€956▼
Equity and liabilities
Total equity and liabilities10/49€1.56M€1.69M▲
Equity10/15€1.38M€898k▼
Contributions10/11€20k€20k=
Reserves13€1.34M€862k▼
Distributable reserves133€1.34M€862k▼
Profit (loss) carried forward14€16k€16k=
Amounts payable17/49€182k€793k▲
Amounts payable within one year42/48€173k€793k▲
Financial debts43€14k-
Credit institutions430/8€14k-
Trade debts44€9k€10k▲
Suppliers440/4€9k€10k▲
Taxes, remuneration and social security45€50k€47k▼
Taxes450/3€41k€32k▼
Remuneration and social security454/9€9k€14k▲
Other amounts payable47/48€101k€737k▲
Accrued charges and deferred income492/3€8k-
Income statement
Code20242025
Remuneration, social security and pensions62€46k€55k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€43k€80k▲
Other operating charges640/8€8k€7k▼
Gross operating margin9900€634k€496k▼
Operating profit (loss)9901€538k€354k▼
Financial income75/76B€20k€21k▲
Recurring financial income75€20k€21k▲
Financial charges65/66B€13k€3k▼
Recurring financial charges65€13k€3k▼
Profit (loss) for the period before taxes9903€545k€372k▼
Income taxes67/77€171k€115k▼
Profit (loss) for the period9904€375k€257k▼
Profit (loss) for the period to be appropriated9905€375k€257k▼
Appropriation of the result
Profit (loss) to be appropriated9906€390k€273k▼
Profit (loss) brought forward from the previous period14P€15k€16k▲
Transfer from equity791/2€100k€736k▲
Transfer to equity691/2€374k€257k▼
To other reserves6921€374k€257k▼
Profit to be distributed694/7€100k€736k▲
Return on contributions (dividend)694€100k€736k▲
The notes to these accounts (9 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
26-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 57 days late
2024
31-12
Financial
Highest result since 2019net €375k ▲79.5%
Operating result €538k, net result €375k, both a record.
27-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 58 days late
2023
31-12
Financial
Equity above €1MEq €1.10M ▲13.6%
5 profitable years in a row build equity to €1.10M.
18-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
29-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 60 days late
2019
06-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 6 days late
2018
07-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 7 days late
2017
28-11
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 28 days late
2016
28-09
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated 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, Dentergem · 2 establishment units since 2000
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.
Kerkstraat(Den) 178720 DentergemGround area
969 m²
Building footprint
445 m²
Volume, LiDAR
4,181 m³
2 parcels, Flanders · tallest building 12.7 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
RANSON-HAERYNCK BVBA
since 20002.115.768.156
RANSON-HAERYNCK BVBA
since 20002.115.768.255
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 37002A0492/00P000 | Flanders | 581 m² | 1 · 289 m² | 12.7 m · 3 fl. |
| 37016B0442/00F000 | Flanders | 388 m² | 1 · 157 m² | 11.9 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
Public money · subsidies and aid
Flemish government
2023 to 2025 · 3 entries · 603 EUR awarded · 603 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 158 EUR | 158 EUR |
| 2024 | 1 | 153 EUR | 153 EUR |
| 2023 | 1 | 292 EUR | 292 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
8755004401AO5EXOR881
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Of 1,680 companies in sector 66191 we hold annual accounts for 1,229. 896 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-12-1999
Fiscal year end31-12
Activities, NACEBEL
66191Agents and brokers in banking services
Sources
Crossroads Bank for EnterprisesNational Bank · 25 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:geert.ranson@telenet.be
Phone:0475/818082