Summary
RATIO HOLDINGS has a registered holding activity and consists mainly of financial fixed assets; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €4.57M and a net result of €78k. Equity remains stable across the filed fiscal years (±0.4% per year). Its solvency ranks better than 93% of 2276 sector peers (fiscal year 2025). The company has been active since 1938 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Holding: general score not applicable
The company has a registered holding activity and financial fixed assets account for more than half of its assets. The general operating-company model is unsuitable for this profile, so we show no financial axes either. Filed figures remain available.
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 29-05-2026, 63 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
63 d early
2024
94 d early
2023
64 d early
2022
69 d early
2021
58 d early
2020
74 d early
2019
46 d early
← 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, abbreviated schema
Equity
€4.57M▼ 0.3%
2024 · €4.58M
2018: €4.68M
2019: €4.66M
2020: €4.66M
2021: €4.60M
2022: €4.52M
2023: €4.56M
2024: €4.58M
2018 → 2025
Total assets
€4.80M▼ 3.3%
2024 · €4.96M
2018: €5.26M
2019: €5.25M
2020: €5.24M
2021: €5.08M
2022: €4.96M
2023: €4.94M
2024: €4.96M
2018 → 2025
Net result
€78k▼ 76.1%
2024 · €326k
2018: €187k
2019: €326k
2020: €350k
2021: €293k
2022: €274k
2023: €331k
2024: €326k
2018 → 2025
Working capital
€319k▼ 5.0%
2024 · €336k
2018: €436k
2019: €413k
2020: €413k
2021: €356k
2022: €280k
2023: €311k
2024: €336k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€4.60M-€4.52M▼ 1.7%€4.56M▲ 0.7%€4.58M▲ 0.6%€4.57M▼ 0.3%
Operating result€-20k-€-20k▼ 0.7%€-20k▼ 3.5%€-20k▼ 0.1%€-25k▼ 23.1%
Net result€293k-€274k▼ 6.6%€331k▲ 20.8%€326k▼ 1.6%€78k▼ 76.1%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €25k in 2025 against €20k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.80M
Fixed assets
€4.25M ▲ 0.1%
Current assets
€554k ▼ 23.1%
Equity and liabilities €4.80M
Equity
€4.57M ▼ 0.3%
Debt
€234k ▼ 39.0%
Debt's share of the balance-sheet total falls from 7.7% to 4.9%. Equity and debt are lower.
Key figures and ratios
ROE
1.7%▼
2024 · 7.1%
ROA
1.6%▼
2024 · 6.6%
Debt ≤ 1 year
€234k▼
2024 · €384k
Income taxes
€-532▼
2024 · €201
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 · 41 lines
Balance sheet
Code20242025
Assets
Total assets20/58€4.96M€4.80M▼
Fixed assets21/28€4.24M€4.25M▲
Tangible fixed assets22/27-€5k
Land and buildings22-€5k
Financial fixed assets28€4.24M€4.24M=
Current assets29/58€720k€554k▼
Amounts receivable within one year40/41€478k€492k▲
Trade receivables40€330€532▲
Other amounts receivable41€477k€492k▲
Cash at bank and in hand54/58€242k€61k▼
Deferred charges and accrued income490/1€159€76▼
Equity and liabilities
Total equity and liabilities10/49€4.96M€4.80M▼
Equity10/15€4.58M€4.57M▼
Contributions10/11€248k€248k=
Capital10€248k€248k=
Issued capital100€248k€248k=
Reserves13€3.76M€3.76M=
Non-distributable reserves130/1€25k€25k=
Legal reserve130€25k€25k=
Tax-exempt reserves132€2.99M€2.99M=
Distributable reserves133€744k€744k=
Profit (loss) carried forward14€570k€558k▼
Amounts payable17/49€384k€234k▼
Amounts payable within one year42/48€384k€234k▼
Other amounts payable47/48€384k€234k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€637
Other operating charges640/8€1k€2k▲
Gross operating margin9900€-19k€-23k▼
Operating profit (loss)9901€-20k€-25k▼
Financial income75/76B€349k€105k▼
Recurring financial income75€349k€105k▼
Financial charges65/66B€3k€3k▲
Recurring financial charges65€3k€3k▲
Profit (loss) for the period before taxes9903€326k€77k▼
Income taxes67/77€201€-532▼
Profit (loss) for the period9904€326k€78k▼
Profit (loss) for the period to be appropriated9905€326k€78k▼
Appropriation of the result
Profit (loss) to be appropriated9906€870k€648k▼
Profit (loss) brought forward from the previous period14P€544k€570k▲
Profit to be distributed694/7€300k€90k▼
Return on contributions (dividend)694€300k€90k▼
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
29-05
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €78k ▼76.1%
Net result drops to €78k, the lowest in the series.
28-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
28-05
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
23-05
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
03-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
18-05
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Highest result since 2018net €350k ▲7.2%
Net result €350k, the highest in the series.
15-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
21-05
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
05-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
18-05
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
21 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, Antwerpen · 1 establishment unit since 1938
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.
Louiza-Marialei 82018 AntwerpenGround area
392 m²
Building footprint
391 m²
Volume, LiDAR
5,796 m³
Parcel 11808H1206/00T006, Flanders · tallest building 22.0 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Louiza-Marialei 8, 2018 Antwerpen
since 19382.002.740.390
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11808H1206/00T006 | Flanders | 392 m² | 1 · 391 m² | 22.0 m · 5 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
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Of 24,500 companies in sector 82990 we hold annual accounts for 9,404. 1,958 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 formPublic limited company
Founded01-06-1938
Fiscal year end31-12
Activities, NACEBEL 2025
82990Other business support services
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 48 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
General meetings
1 convocationGeneral meeting
1. Verslag van de raad van bestuur. 2. Goedkeuring van de jaarrekening op 31 december 2009. 3. Kwijting aan de bestuur- ders. 4. Statutaire benoeming. 5. Varia.