STEPHANE FLAMENT 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 €488k and a net result of €194k. Equity is growing by ~19% per year across the filed fiscal years. Its solvency ranks better than 64% of 486 sector peers (fiscal year 2025). The company has been active since 2013 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 09-01-2026, 203 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
203 d early
2024
92 d early
2023
141 d early
2022
154 d early
2021
69 d early
2020
38 d early
2019
156 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Equity
€488k▼ 20.2%
2024 · €612k
2018: €146k
2019: €205k
2020: €258k
2021: €340k
2022: €440k
2023: €514k
2024: €612k
2018 → 2025
Net result
€194k▼ 22.1%
2024 · €249k
2018: €106k
2019: €134k
2020: €138k
2021: €173k
2022: €198k
2023: €202k
2024: €249k
2018 → 2025
Total assets
€824k▲ 6.0%
2024 · €777k
2018: €338k
2019: €558k
2020: €497k
2021: €624k
2022: €722k
2023: €652k
2024: €777k
2018 → 2025
Solvency
59.2%▼ 19.5pp
2024 · 78.7%
2018: 43.3%
2019: 36.7%
2020: 51.9%
2021: 54.6%
2022: 60.9%
2023: 78.9%
2024: 78.7%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€340k-€440k▲ 29.1%€514k▲ 17.0%€612k▲ 19.0%€488k▼ 20.2%
Operating result€51k-€25k▼ 49.8%€24k▼ 6.7%€21k▼ 10.1%€65k▲ 207%
Net result€173k-€198k▲ 14.7%€202k▲ 2.0%€249k▲ 23.2%€194k▼ 22.1%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 207% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €824k
Fixed assets
€485k▼ 2.5%
Current assets
€339k▲ 21.1%
Equity and liabilities €824k
Equity
€488k▼ 20.2%
Debt
€336k▲ 103%
The debt ratio rises from 21.3% to 40.8%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
59.2%▼
2024 · 78.7%
ROE
39.7%▼
2024 · 40.7%
ROA
23.5%▼
2024 · 32.0%
Debt
€336k▲
2024 · €165k
Debt ≤ 1 year
€336k▲
2024 · €165k
Income taxes
€37k▲
2024 · €22k
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€777k€824k▲
Fixed assets21/28€497k€485k▼
Tangible fixed assets22/27€17k€4k▼
Furniture and vehicles24€17k€4k▼
Financial fixed assets28€481k€481k=
Current assets29/58€280k€339k▲
Amounts receivable within one year40/41-€50k
Other amounts receivable41-€50k
Current investments50/53-€21k
Cash at bank and in hand54/58€280k€267k▼
Deferred charges and accrued income490/1-€345
Equity and liabilities
Total equity and liabilities10/49€777k€824k▲
Equity10/15€612k€488k▼
Contributions10/11€14k€14k=
Reserves13€594k€470k▼
Distributable reserves133€594k€470k▼
Profit (loss) carried forward14€4k€4k▲
Amounts payable17/49€165k€336k▲
Amounts payable within one year42/48€165k€336k▲
Trade debts44€1k€2k▲
Suppliers440/4€1k€2k▲
Taxes, remuneration and social security45€13k€17k▲
Taxes450/3€13k€17k▲
Other amounts payable47/48€151k€318k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€12k=
Other operating charges640/8€673€695▲
Gross operating margin9900€34k€78k▲
Operating profit (loss)9901€21k€65k▲
Financial income75/76B€250k€166k▼
Recurring financial income75€250k€166k▼
Financial charges65/66B€296€602▲
Recurring financial charges65€296€602▲
Profit (loss) for the period before taxes9903€271k€231k▼
Income taxes67/77€22k€37k▲
Profit (loss) for the period9904€249k€194k▼
Profit (loss) for the period to be appropriated9905€249k€194k▼
Appropriation of the result
Profit (loss) to be appropriated9906€253k€198k▼
Profit (loss) brought forward from the previous period14P€4k€4k▲
Transfer from equity791/2€59k€318k▲
Transfer to equity691/2€156k€194k▲
To other reserves6921€156k€194k▲
Profit to be distributed694/7€151k€318k▲
Return on contributions (dividend)694€151k€318k▲
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
09-01
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
30-04
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Highest result since 2018net €249k ▲23.2%
Net result €249k, the highest in the series.
12-03
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
31-12
Financial
Equity above €500kEq €514k ▲17%
6 profitable years in a row build equity to €514k.
27-02
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
23-05
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
23-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
26-02
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Equity above €200kEq €205k ▲40%
2 profitable years in a row build equity to €205k.
18-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
22-02
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
23-06
NBB filing
Annual accounts filed
fiscal year 2016 · full 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, Herve · 1 establishment unit since 2013
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.
Rue des Martyrs 114650 HerveGround area
660 m²
Building footprint
95 m²
Volume, LiDAR
790 m³
Parcel 63035A0035/00N005, Wallonia · tallest building 11.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Stephane Flament
since 20132.215.621.342
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 63035A0035/00N005 | Wallonia | 660 m² | 1 · 95 m² | 11.3 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
BOVERBA
BE 0465.728.474
Heist-op-den-Berg · Eq €488k
Bank- en verzekeringsagent Regio Dender-Schelde
BE 0463.700.184
Dendermonde · Eq €486k
Gert Van Driessche
BE 0822.413.015
Aalst · Eq €490k
N3 GROUP
BE 0764.873.110
Fléron · Eq €486k
Agent de banque et d'assurances WATERLOO
BE 0465.137.368
Waterloo · Eq €490k
Of 1,681 companies in sector 66191 we hold annual accounts for 1,229. 1,017 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-01-2013
Fiscal year end31-12
Activities, NACEBEL
66191Agents and brokers in banking services
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 13 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.