SPARIAN 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 €633k and a net result of €-9k. Equity remains stable across the filed fiscal years (±0.1% per year). Its solvency ranks better than 35% of 2430 sector peers (fiscal year 2025). The company has been active since 2002 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 · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 22-07-2026, 9 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
9 d early
2024
1 d early
2023
7 d early
2022
20 d early
2021
17 d early
2020
61 d late
2019
22 d early
← 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
Equity
€633k▼ 1.4%
2024 · €642k
2018: €542k
2019: €662k
2020: €792k
2021: €767k
2022: €765k
2023: €791k
2024: €642k
2018 → 2025
Net result
€-9k
2024 · €38k
2018: €66k
2019: €124k
2020: €133k
2021: €18k
2022: €-2k
2023: €26k
2024: €38k
2018 → 2025
Total assets
€1.97M▲ 1.9%
2024 · €1.93M
2018: €1.78M
2019: €1.80M
2020: €1.85M
2021: €1.94M
2022: €1.99M
2023: €1.88M
2024: €1.93M
2018 → 2025
Solvency
32.2%▼ 1.1pp
2024 · 33.3%
2018: 30.5%
2019: 36.9%
2020: 42.8%
2021: 39.6%
2022: 38.4%
2023: 42.0%
2024: 33.3%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€767k-€765k▼ 0.2%€791k▲ 3.4%€642k▼ 18.8%€633k▼ 1.4%
Operating result€54k-€55k▲ 2.1%€52k▼ 5.4%€59k▲ 13.3%€-5k
Net result€18k-€-2k€26k€38k▲ 44.4%€-9k
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 turns negative in 2025: a loss of €5k after €59k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.97M
Fixed assets
€1.91M=
Current assets
€58k▲ 187%
Equity and liabilities €1.97M
Equity
€633k▼ 1.4%
Debt
€1.34M▲ 3.6%
The debt ratio rises from 66.7% to 67.8%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
32.2%▼
2024 · 33.3%
ROE
-1.4%▼
2024 · 5.9%
ROA
-0.5%▼
2024 · 2.0%
Debt
€1.34M▲
2024 · €1.29M
Debt ≤ 1 year
€554k▼
2024 · €629k
Debt > 1 year
€781k▲
2024 · €660k
Income taxes
€874▼
2024 · €21k
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€1.93M€1.97M▲
Fixed assets21/28€1.91M€1.91M=
Intangible fixed assets21-€424
Tangible fixed assets22/27€189k€188k▼
Land and buildings22€185k€185k=
Plant, machinery and equipment23€2k€2k▼
Furniture and vehicles24€2k€2k▼
Financial fixed assets28€1.72M€1.72M=
Current assets29/58€20k€58k▲
Amounts receivable within one year40/41-€1k
Trade receivables40-€1k
Other amounts receivable41-€11
Cash at bank and in hand54/58€19k€20k▲
Deferred charges and accrued income490/1€1k€36k▲
Equity and liabilities
Total equity and liabilities10/49€1.93M€1.97M▲
Equity10/15€642k€633k▼
Contributions10/11€350k€350k=
Reserves13€291k€291k=
Non-distributable reserves130/1€35k€0▼
Reserves not available under the articles1311€35k€0▼
Distributable reserves133€256k€291k▲
Profit (loss) carried forward14€1k€-8k▼
Amounts payable17/49€1.29M€1.34M▲
Amounts payable after more than one year17€660k€781k▲
Financial debts170/4€660k€781k▲
Amounts payable within one year42/48€629k€554k▼
Current portion of amounts payable after more than one year42€101k€26k▼
Financial debts43€0€1k▲
Credit institutions430/8€0€1k▲
Trade debts44€18k€20k▲
Suppliers440/4€18k€20k▲
Advances received on contracts in progress46€0€21k▲
Taxes, remuneration and social security45€99k€63k▼
Taxes450/3€99k€51k▼
Remuneration and social security454/9-€12k
Other amounts payable47/48€411k€424k▲
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€620€2k▲
Other operating charges640/8€957€1k▲
Non-recurring operating charges66A€0€33k▲
Gross operating margin9900€61k€31k▼
Operating profit (loss)9901€59k€-5k▼
Financial income75/76B€691€2k▲
Recurring financial income75€691€2k▲
Financial charges65/66B€2k€6k▲
Recurring financial charges65€2k€6k▲
Profit (loss) for the period before taxes9903€58k€-8k▼
Income taxes67/77€21k€874▼
Profit (loss) for the period9904€38k€-9k▼
Profit (loss) for the period to be appropriated9905€38k€-9k▼
Appropriation of the result
Profit (loss) to be appropriated9906€39k€-8k▼
Profit (loss) brought forward from the previous period14P€1k€1k▲
Transfer to equity691/2€38k€0▼
To contributions691€38k€0▼
To the legal reserve6920€0-
The notes to these accounts (13 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
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-9k ▼124%
Net result drops to €-9k, the lowest in the series.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
24-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €26k
Net result €26k after one loss-making year.
11-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
14-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-09
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 61 days late
2020
31-12
Financial
Highest result since 2018net €133k ▲7.6%
Net result €133k, the highest in the series.
09-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
11-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 31 days late
2017
20-01
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
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, Herentals · 2 establishment units since 2003
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.
Diamantstraat (HRT) 42200 HerentalsGround area
1.0 ha
Building footprint
6,053 m²
Volume, LiDAR
42,374 m³
2 parcels, Flanders · tallest building 14.5 m, ±4 floors. Linked by address, not a title deed.
2 establishment units
Jan Van Rijswijcklaan 10, 2018 Antwerpen
since 20032.114.771.234
Sparian
since 20082.237.281.640
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13027A0067/00G000 | Flanders | 9,585 m² | 1 · 5,857 m² | 13.3 m · 2 fl. |
| 11810K1553/00H003 | Flanders | 441 m² | 1 · 196 m² | 14.5 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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 4,200 EUR awarded · 4,200 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 4,200 EUR | 4,200 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 63 companies in sector 66110 we hold annual accounts for 37. 25 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-01-2002
Fiscal year end31-12
Activities, NACEBEL
66110Activities auxiliary to financial services and insurance activities
67110
64200Holdings
64210Activities of holding companies
74151
Sources
Crossroads Bank for EnterprisesNational Bank · 23 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.