Summary
RUCRA 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 €2.71M and a net result of €37k. Equity is growing by ~6.4% per year across the filed fiscal years. Its solvency ranks better than 73% of 5527 sector peers (fiscal year 2025). The company has been active since 1995 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
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
30 d late
2023
30 d late
2022
30 d late
2021
25 d early
2020
82 d late
2019
17 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, abbreviated schema
Equity
€2.71M▲ 1.4%
2024 · €2.67M
2018: €1.61M
2019: €1.96M
2020: €2.14M
2021: €2.27M
2022: €2.42M
2023: €2.61M
2024: €2.67M
2018 → 2025
Net result
€37k▼ 36.4%
2024 · €58k
2018: €323k
2019: €336k
2020: €169k
2021: €136k
2022: €147k
2023: €128k
2024: €58k
2018 → 2025
Total assets
€3.51M▲ 0.9%
2024 · €3.48M
2018: €3.46M
2019: €3.43M
2020: €3.46M
2021: €3.40M
2022: €3.43M
2023: €3.55M
2024: €3.48M
2018 → 2025
Solvency
77.2%▲ 0.4pp
2024 · 76.9%
2018: 46.6%
2019: 57.1%
2020: 61.8%
2021: 66.9%
2022: 70.4%
2023: 73.6%
2024: 76.9%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2.27M-€2.42M▲ 6.5%€2.61M▲ 8.1%€2.67M▲ 2.2%€2.71M▲ 1.4%
Operating result€182k-€217k▲ 19.4%€218k▲ 0.3%€148k▼ 31.8%€124k▼ 16.5%
Net result€136k-€147k▲ 8.3%€128k▼ 13.1%€58k▼ 54.5%€37k▼ 36.4%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 16% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.51M
Fixed assets
€2.81M ▲ 2.0%
Current assets
€703k ▼ 3.4%
Equity and liabilities €3.51M
Equity
€2.71M ▲ 1.4%
Provisions
€43k ▼ 6.6%
Debt
€755k ▼ 0.4%
Debt's share of the balance-sheet total falls from 21.8% to 21.5%. Equity is higher and debt is lower.
Key figures and ratios
ROE
1.4%▼
2024 · 2.2%
ROA
1.1%▼
2024 · 1.7%
Debt ≤ 1 year
€716k▲
2024 · €657k
Debt > 1 year
€38k▼
2024 · €40k
Income taxes
€26k▼
2024 · €38k
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 · 57 lines
Balance sheet
Code20242025
Assets
Total assets20/58€3.48M€3.51M▲
Fixed assets21/28€2.75M€2.81M▲
Tangible fixed assets22/27€2.75M€2.80M▲
Land and buildings22€2.68M€2.76M▲
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€63k€46k▼
Financial fixed assets28€461€461=
Current assets29/58€727k€703k▼
Amounts receivable after more than one year29€170k€170k=
Other amounts receivable291€170k€170k=
Amounts receivable within one year40/41€42k€69k▲
Trade receivables40-€12k
Other amounts receivable41€42k€57k▲
Cash at bank and in hand54/58€499k€453k▼
Deferred charges and accrued income490/1€17k€10k▼
Equity and liabilities
Total equity and liabilities10/49€3.48M€3.51M▲
Equity10/15€2.67M€2.71M▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Revaluation surpluses12€67k€67k=
Reserves13€850k€887k▲
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Tax-exempt reserves132€140k€130k▼
Distributable reserves133€704k€750k▲
Profit (loss) carried forward14€1.69M€1.69M=
Provisions and deferred taxes16€46k€43k▼
Deferred taxes168€46k€43k▼
Amounts payable17/49€758k€755k▼
Amounts payable after more than one year17€40k€38k▼
Other amounts payable178/9€40k€38k▼
Amounts payable within one year42/48€657k€716k▲
Trade debts44€4k€5k▲
Suppliers440/4€4k€5k▲
Taxes, remuneration and social security45€678€22k▲
Taxes450/3€678€22k▲
Other amounts payable47/48€653k€689k▲
Accrued charges and deferred income492/3€61k€1k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€161k€171k▲
Other operating charges640/8€33k€33k▲
Gross operating margin9900€342k€328k▼
Operating profit (loss)9901€148k€124k▼
Financial income75/76B€3k€6k▲
Recurring financial income75€3k€6k▲
Financial charges65/66B€59k€70k▲
Recurring financial charges65€59k€70k▲
Profit (loss) for the period before taxes9903€93k€60k▼
Transfer from deferred taxes780€3k€3k=
Income taxes67/77€38k€26k▼
Profit (loss) for the period9904€58k€37k▼
Transfer from tax-exempt reserves789€9k€9k=
Profit (loss) for the period to be appropriated9905€67k€46k▼
Appropriation of the result
Profit (loss) to be appropriated9906€1.76M€1.74M▼
Profit (loss) brought forward from the previous period14P€1.69M€1.69M=
Transfer to equity691/2€67k€46k▼
To other reserves6921€67k€46k▼
The notes to these accounts (6 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
09-09
State Gazette act
Appointment: Marylene Mommaerts (director)Resignation: Rudi Craeymeersch (managing director)5 facts ▸
State Gazette act
Appointment: Marylene Mommaerts (director)
Resignation: Rudi Craeymeersch (managing director)5 facts ▸
- General meeting, 23-06-2026
- Director appointment, Marylene Mommaerts (director)
- Director resignation, Rudi Craeymeersch (managing director)
- Director resignation, Rudi Craeymeersch (director)
- Director resignation, Rudi Craeymeersch (chair of the board)
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €37k ▼36.4%
Net result drops to €37k, the lowest in the series.
30-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 30 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
06-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
21-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 82 days late
2020
31-12
Financial
Equity above €2MEq €2.14M ▲9.2%
3 profitable years in a row build equity to €2.14M.
17-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 17 days late
2019
31-12
Financial
Highest result since 2018net €336k ▲4%
Net result €336k, the highest in the series.
17-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 27 days late
2017
07-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
1 of 5 acts read
About the unread acts
Of the 5 Belgian State Gazette acts we know for this company, 1 has been read. The other 4 have not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 director, last change in 2026
Marylene Mommaerts
CurrentDirector · since 23-06-2026
23-06-2026
Marylene Mommaerts: Appointed as Director
23-06-2026
Rudi Craeymeersch: Resigned as Managing director
23-06-2026
Rudi Craeymeersch: Resigned as Director
23-06-2026
Rudi Craeymeersch: Resigned as Chair of the board
Not every act has been read: a resignation may be missing here
4 of this company's 5 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing above: a director who resigned there may therefore still show here as sitting. The acts are in the Timeline.
Location & real-estate footprint
Registered office, Gent · 1 establishment unit since 1997
Ground area
1,879 m²
Building footprint
193 m²
Volume, LiDAR
849 m³
Parcel 44038A0458/00E005, Flanders · tallest building 6.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
RUCRA
since 19972.073.709.352
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44038A0458/00E005 | Flanders | 1,879 m² | 1 · 193 m² | 6.0 m · 2 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.
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 9,981 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
Founded11-10-1995
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesBelgian Official Gazette · 1 actNational Bank · 30 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.