Summary
SB3 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 €143k and a net result of €579. Equity is growing by ~4.2% per year across the filed fiscal years. Its solvency ranks better than 46% of 2394 sector peers (fiscal year 2025). The company has been active since 2007 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 · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-07-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
21 d early
2023
19 d late
2022
30 d late
2021
24 d late
2020
61 d late
2019
26 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, full schema
Equity
€143k▲ 0.4%
2024 · €143k
2018: €104k
2019: €116k
2020: €131k
2021: €145k
2022: €122k
2023: €128k
2024: €143k
2018 → 2025
Net result
€579▼ 96.0%
2024 · €14k
2018: €10k
2019: €12k
2020: €15k
2021: €13k
2022: €-23k
2023: €6k
2024: €14k
2018 → 2025
Total assets
€256k▼ 1.9%
2024 · €261k
2018: €251k
2019: €255k
2020: €259k
2021: €256k
2022: €249k
2023: €232k
2024: €261k
2018 → 2025
Solvency
56.0%▲ 1.3pp
2024 · 54.7%
2018: 41.4%
2019: 45.5%
2020: 50.7%
2021: 56.6%
2022: 49.1%
2023: 55.2%
2024: 54.7%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€145k-€122k▼ 15.6%€128k▲ 4.7%€143k▲ 11.3%€143k▲ 0.4%
Operating result€9k-€-38k€-9k▲ 76.7%€15k€3k▼ 81.3%
Net result€13k-€-23k€6k€14k▲ 152%€579▼ 96.0%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 81% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €256k
Fixed assets
€202k =
Current assets
€53k ▼ 8.6%
Equity and liabilities €256k
Equity
€143k ▲ 0.4%
Debt
€113k ▼ 4.7%
Debt's share of the balance-sheet total falls from 45.3% to 44.0%. Equity is higher and debt is lower.
Key figures and ratios
ROE
0.4%▼
2024 · 10.1%
ROA
0.2%▼
2024 · 5.5%
Debt ≤ 1 year
€32k▼
2024 · €38k
Debt > 1 year
€80k=
2024 · €80k
Income taxes
€551▲
2024 · €297
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 · 43 lines
Balance sheet
Code20242025
Assets
Total assets20/58€261k€256k▼
Fixed assets21/28€202k€202k=
Tangible fixed assets22/27€2k€2k=
Land and buildings22€2k€2k=
Financial fixed assets28€200k€200k=
Current assets29/58€58k€53k▼
Amounts receivable within one year40/41€57k€45k▼
Trade receivables40€14k€8k▼
Other amounts receivable41€44k€37k▼
Cash at bank and in hand54/58€1k€9k▲
Equity and liabilities
Total equity and liabilities10/49€261k€256k▼
Equity10/15€143k€143k▲
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€6k€6k=
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Profit (loss) carried forward14€75k€75k▲
Amounts payable17/49€118k€113k▼
Amounts payable after more than one year17€80k€80k=
Other amounts payable178/9€80k€80k=
Amounts payable within one year42/48€38k€32k▼
Trade debts44€21k€5k▼
Suppliers440/4€21k€5k▼
Taxes, remuneration and social security45€379€4k▲
Taxes450/3€379€4k▲
Other amounts payable47/48€17k€23k▲
Accrued charges and deferred income492/3-€411
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k-
Other operating charges640/8€2k€1k▼
Gross operating margin9900€18k€4k▼
Operating profit (loss)9901€15k€3k▼
Financial income75/76B€106€80▼
Recurring financial income75€106€80▼
Financial charges65/66B€156€2k▲
Recurring financial charges65€156€2k▲
Profit (loss) for the period before taxes9903€15k€1k▼
Income taxes67/77€297€551▲
Profit (loss) for the period9904€14k€579▼
Profit (loss) for the period to be appropriated9905€14k€579▼
Appropriation of the result
Profit (loss) to be appropriated9906€75k€75k▲
Profit (loss) brought forward from the previous period14P€60k€75k▲
The notes to these accounts (4 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
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
19-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 19 days late
2023
31-12
Financial
Back to profitnet €6k
Net result €6k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 30 days late
2022
31-12
Financial
Weakest financial yearnet €-23k ▼267%
Net result drops to €-23k, the lowest in the series; recovery starts the following year.
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 24 days late
2021
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 61 days late
2020
31-12
Financial
Highest result since 2018net €15k ▲23.3%
Operating result €15k, net result €15k, both a record.
26-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 26 days late
2019
26-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 118 days late
2018
02-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
25-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 25 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Heusden-Zolder · 1 establishment unit since 2007
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.
Sint-Willibrordusplein 133550 Heusden-ZolderGround area
217 m²
Building footprint
217 m²
Volume, LiDAR
1,938 m³
Parcel 71502B0468/00P000, Flanders · tallest building 12.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
SB3
since 20072.167.016.820
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71502B0468/00P000 | Flanders | 217 m² | 1 · 217 m² | 12.1 m · 3 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
Groupe Bons-Frères
BE 0682.700.153
Sint-Genesius-Rode · Eq €143,085
Vedeva
BE 0771.844.341
Antwerpen · Eq €143,085
HILVEN GRAPHICS
BE 0466.936.422
Hechtel-Eksel · Eq €143,081
LISELOTTE DE KOCK
BE 0553.742.217
Koksijde · Eq €143,119
GWENN SCHOOVAERTS
BE 0846.313.023
Bonheiden · Eq €142,962
Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 13,134 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
Founded28-11-2007
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
68110Buying and selling of own real estate
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.