TRUDO MANAGEMENT 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 €921k and a net result of €31k. Equity remains stable across the filed fiscal years (±1.6% per year). Its solvency ranks better than 51% of 8006 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 31-03-2025 was due by 31-10-2025 and was filed on 29-10-2025, 2 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
2 d early
2024
65 d early
2023
57 d early
2022
35 d early
2021
37 d early
2020
39 d early
2019
34 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close19-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€921k▲ 3.5%
2024 · €890k
2019: €828k
2020: €844k
2021: €863k
2022: €872k
2023: €873k
2024: €890k
2019 → 2025
Net result
€31k▲ 84.3%
2024 · €17k
2019: €44k
2020: €17k
2021: €19k
2022: €9k
2023: €900
2024: €17k
2019 → 2025
Total assets
€1.75M▲ 2.9%
2024 · €1.70M
2019: €3.93M
2020: €3.02M
2021: €2.69M
2022: €1.67M
2023: €1.65M
2024: €1.70M
2019 → 2025
Solvency
52.6%▲ 0.3pp
2024 · 52.3%
2019: 21.1%
2020: 27.9%
2021: 32.1%
2022: 52.1%
2023: 52.9%
2024: 52.3%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€863k-€872k▲ 1.0%€873k▲ 0.1%€890k▲ 1.9%€921k▲ 3.5%
Operating result€-74k-€-72k▲ 2.6%€-60k▲ 16.0%€-40k▲ 34.5%€-18k▲ 53.6%
Net result€19k-€9k▼ 51.9%€900▼ 90.0%€17k▲ 1,790%€31k▲ 84.3%
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 stays negative: a loss of €18k in 2025 against €40k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €1.75M
Equity
€921k▲ 3.5%
Debt
€831k▲ 2.2%
The debt ratio falls from 47.7% to 47.4%. Equity and debt are higher.
Key figures and ratios
Solvency
52.6%▲
2024 · 52.3%
ROE
3.4%▲
2024 · 1.9%
ROA
1.8%▲
2024 · 1.0%
Debt
€831k▲
2024 · €813k
Debt ≤ 1 year
€831k▲
2024 · €813k
Income taxes
€16k▲
2024 · €7k
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€1.70M€1.75M▲
Current assets29/58€1.70M€1.75M▲
Amounts receivable within one year40/41€1.57M€1.63M▲
Trade receivables40€6k€6k=
Other amounts receivable41€1.56M€1.62M▲
Current investments50/53€39k€39k▲
Cash at bank and in hand54/58€31k€17k▼
Deferred charges and accrued income490/1€64k€65k▲
Equity and liabilities
Total equity and liabilities10/49€1.70M€1.75M▲
Equity10/15€890k€921k▲
Contributions10/11€150k€150k=
Capital10€150k€150k=
Issued capital100€150k€150k=
Reserves13€740k€771k▲
Non-distributable reserves130/1€100k€100k=
Reserves not available under the articles1311€100k€100k=
Distributable reserves133€641k€672k▲
Amounts payable17/49€813k€831k▲
Amounts payable within one year42/48€813k€831k▲
Trade debts44€645€562▼
Suppliers440/4€645€562▼
Taxes, remuneration and social security45€7k€16k▲
Taxes450/3€7k€16k▲
Other amounts payable47/48€806k€814k▲
Income statement
Code20242025
Other operating charges640/8€1k€1k▼
Gross operating margin9900€-38k€-17k▲
Operating profit (loss)9901€-40k€-18k▲
Financial income75/76B€64k€66k▲
Recurring financial income75€64k€66k▲
Financial charges65/66B€309€210▼
Recurring financial charges65€309€210▼
Profit (loss) for the period before taxes9903€24k€47k▲
Income taxes67/77€7k€16k▲
Profit (loss) for the period9904€17k€31k▲
Profit (loss) for the period to be appropriated9905€17k€31k▲
Appropriation of the result
Profit (loss) to be appropriated9906€17k€31k▲
Transfer to equity691/2€17k€31k▲
To other reserves6921€17k€31k▲
The notes to these accounts (2 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
2025
29-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
04-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-03
Financial
Weakest financial yearnet €900 ▼90%
Net result drops to €900, the lowest in the series; recovery starts the following year.
2022
26-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
24-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
22-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
27-09
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
26-09
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
27-09
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
23-09
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
7 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, Sint-Truiden · 1 establishment unit since 2002
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.
Kleine d'Oyestraat 143800 Sint-TruidenGround area
1,921 m²
Building footprint
238 m²
Volume, LiDAR
1,434 m³
Parcel 71064C0305/02K000, Flanders · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Kleine d'Oyestraat 14, 3800 Sint-Truiden
since 20022.101.867.462
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71064C0305/02K000 | Flanders | 1,921 m² | 1 · 238 m² | 8.8 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.
Recognitions · licences · registrations
Legal Entity Identifier
254900VD9I89KRX4GY23
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Of 24,727 companies in sector 64210 we hold annual accounts for 19,759. 12,882 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded08-05-2002
Fiscal year end31-03
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
74151
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.