VAN VLASSELAER 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 €1.44M and a net result of €147k. Equity is growing by ~6.4% per year across the filed fiscal years. Its solvency ranks better than 85% of 1475 sector peers (fiscal year 2025). The company has been active since 2015 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 23-07-2026, 8 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
8 d early
2024
6 d early
2023
1 d late
2022
30 d late
2021
8 d early
2020
2 d late
2019
33 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€1.44M▲ 0.5%
2024 · €1.43M
2018: €823k
2019: €963k
2020: €1.11M
2021: €1.34M
2022: €1.36M
2023: €1.37M
2024: €1.43M
2018 → 2025
Net result
€147k▼ 0.9%
2024 · €148k
2018: €80k
2019: €139k
2020: €152k
2021: €230k
2022: €143k
2023: €104k
2024: €148k
2018 → 2025
Total assets
€1.76M▲ 3.7%
2024 · €1.70M
2018: €1.30M
2019: €1.42M
2020: €1.45M
2021: €1.46M
2022: €1.69M
2023: €1.66M
2024: €1.70M
2018 → 2025
Solvency
81.8%▼ 2.6pp
2024 · 84.4%
2018: 63.3%
2019: 67.7%
2020: 76.9%
2021: 91.9%
2022: 80.6%
2023: 82.1%
2024: 84.4%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€647k-
Equity€1.34M-€1.36M▲ 1.3%€1.37M▲ 0.3%€1.43M▲ 4.9%€1.44M▲ 0.5%
Operating result€325k-€193k▼ 40.6%€155k▼ 19.9%€219k▲ 41.4%€213k▼ 2.5%
Net result€230k-€143k▼ 37.9%€104k▼ 27.2%€148k▲ 42.4%€147k▼ 0.9%
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 falls in 2025; 2025 is 2% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.76M
Fixed assets
€1.35M▼ 4.5%
Current assets
€408k▲ 44.9%
Equity and liabilities €1.76M
Equity
€1.44M▲ 0.5%
Debt
€321k▲ 20.7%
The debt ratio rises from 15.6% to 18.2%. Equity and debt are higher.
Key figures and ratios
Solvency
81.8%▼
2024 · 84.4%
ROE
10.2%▼
2024 · 10.3%
ROA
8.3%▼
2024 · 8.7%
Debt
€321k▲
2024 · €266k
Debt ≤ 1 year
€106k▲
2024 · €88k
Debt > 1 year
€215k▲
2024 · €178k
Income taxes
€66k▼
2024 · €67k
Staff costs
€153k▲
2024 · €127k
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€1.76M▲
Fixed assets21/28€1.42M€1.35M▼
Intangible fixed assets21€2€2=
Tangible fixed assets22/27€1.42M€1.35M▼
Land and buildings22€1.30M€1.23M▼
Plant, machinery and equipment23€1k€1k▼
Furniture and vehicles24€114k€72k▼
Assets under construction and advance payments27-€50k
Current assets29/58€281k€408k▲
Amounts receivable within one year40/41€45k€45k=
Trade receivables40€41k€45k▲
Other amounts receivable41€4k-
Current investments50/53€98k€98k=
Cash at bank and in hand54/58€138k€265k▲
Equity and liabilities
Total equity and liabilities10/49€1.70M€1.76M▲
Equity10/15€1.43M€1.44M▲
Contributions10/11€13k€13k=
Reserves13€1.21M€1.21M▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€35k€35k=
Distributable reserves133€1.17M€1.18M▲
Profit (loss) carried forward14€214k€214k=
Amounts payable17/49€266k€321k▲
Amounts payable after more than one year17€178k€215k▲
Financial debts170/4€178k€215k▲
Amounts payable within one year42/48€88k€106k▲
Financial debts43€40k€32k▼
Credit institutions430/8€40k€32k▼
Trade debts44€77€9k▲
Suppliers440/4€77€9k▲
Taxes, remuneration and social security45€47k€57k▲
Taxes450/3€18k€20k▲
Remuneration and social security454/9€29k€37k▲
Other amounts payable47/48€1k€7k▲
Income statement
Code20242025
Remuneration, social security and pensions62€127k€153k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€116k€99k▼
Other operating charges640/8€6k€5k▼
Non-recurring operating charges66A€4k€5k▲
Gross operating margin9900€472k€475k▲
Operating profit (loss)9901€219k€213k▼
Financial income75/76B€318€405▲
Recurring financial income75€318€405▲
Financial charges65/66B€4k€1k▼
Recurring financial charges65€4k€1k▼
Profit (loss) for the period before taxes9903€215k€212k▼
Income taxes67/77€67k€66k▼
Profit (loss) for the period9904€148k€147k▼
Profit (loss) for the period to be appropriated9905€148k€147k▼
Appropriation of the result
Profit (loss) to be appropriated9906€362k€361k▼
Profit (loss) brought forward from the previous period14P€214k€214k=
Transfer from equity791/2€80k€139k▲
Transfer to equity691/2€148k€147k▼
To the legal reserve6920€148k€147k▼
Profit to be distributed694/7€80k€139k▲
Return on contributions (dividend)694€80k€139k▲
Social balance
Average headcount (FTE)9087-2.5
The notes to these accounts (11 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
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
01-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 1 day late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
23-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Highest result since 2018net €230k ▲51.3%
Operating result €325k, net result €230k, both a record.
02-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 2 days late
2020
31-12
Financial
Equity above €1MEq €1.11M ▲15.8%
3 profitable years in a row build equity to €1.11M.
28-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
09-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
15-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 15 days late
2017
08-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 8 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Halen · 1 establishment unit since 2015
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.
Markt 73545 HalenGround area
715 m²
Building footprint
286 m²
Volume, LiDAR
1,541 m³
Parcel 71020B0870/00A000, Flanders · tallest building 11.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Markt 7, 3545 Halen
since 20152.244.433.906
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71020B0870/00A000 | Flanders | 715 m² | 1 · 286 m² | 11.1 m · 1 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
8755004KMVB60CD20076
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Of 1,681 companies in sector 66191 we hold annual accounts for 1,230. 773 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-04-2015
Fiscal year end31-12
Activities, NACEBEL
66191Agents and brokers in banking services
Sources
Crossroads Bank for EnterprisesNational Bank · 11 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.