Summary
VANSTEELAND INVEST 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 €172k and a net result of €36k. Equity remains stable across the filed fiscal years (±1.6% per year). Its solvency ranks better than 58% of 8023 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
Two signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year €172k
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 28-04-2026, 2 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
2 d early
2024
23 d early
2023
27 d early
2022
9 d early
2021
33 d early
2020
25 d early
2019
3 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€172k▲ 26.5%
2024 · €136k
2019: €135k
2020: €145k
2021: €169k
2022: €171k
2023: €152k
2024: €136k
2019 → 2025
Net result
€36k▲ 6.3%
2024 · €34k
2019: €32k
2020: €11k
2021: €25k
2022: €2k
2023: €-19k
2024: €34k
2019 → 2025
Total assets
€279k▲ 9.7%
2024 · €255k
2019: €206k
2020: €214k
2021: €284k
2022: €272k
2023: €235k
2024: €255k
2019 → 2025
Solvency
61.5%▲ 8.2pp
2024 · 53.4%
2019: 65.6%
2020: 67.7%
2021: 59.5%
2022: 62.7%
2023: 64.7%
2024: 53.4%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€169k-€171k▲ 1.0%€152k▼ 11.0%€136k▼ 10.6%€172k▲ 26.5%
Operating result€27k-€7k▼ 74.8%€-19k€44k€51k▲ 15.9%
Net result€25k-€2k▼ 90.0%€-19k€34k€36k▲ 6.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 16% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €279k
Fixed assets
€17k ▼ 43.8%
Current assets
€262k ▲ 16.9%
Equity and liabilities €279k
Equity
€172k ▲ 26.5%
Provisions
€54 ▼ 80.0%
Debt
€107k ▼ 9.4%
Debt's share of the balance-sheet total falls from 46.5% to 38.4%. Equity is higher and debt is lower.
Key figures and ratios
ROE
21.0%▼
2024 · 24.9%
ROA
12.9%▼
2024 · 13.3%
Debt ≤ 1 year
€107k▼
2024 · €118k
Income taxes
€15k▲
2024 · €6k
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 · 51 lines
Balance sheet
Code20242025
Assets
Total assets20/58€255k€279k▲
Fixed assets21/28€30k€17k▼
Tangible fixed assets22/27€30k€17k▼
Furniture and vehicles24€17k€5k▼
Other tangible fixed assets26€14k€12k▼
Current assets29/58€225k€262k▲
Amounts receivable within one year40/41€18k€350▼
Trade receivables40€18k€350▼
Current investments50/53€150k€100k▼
Cash at bank and in hand54/58€56k€161k▲
Deferred charges and accrued income490/1€401€922▲
Equity and liabilities
Total equity and liabilities10/49€255k€279k▲
Equity10/15€136k€172k▲
Contributions10/11€25k€25k=
Reserves13€110k€147k▲
Tax-exempt reserves132€1k€216▼
Distributable reserves133€109k€147k▲
Profit (loss) carried forward14€792€0▼
Provisions and deferred taxes16€270€54▼
Deferred taxes168€270€54▼
Amounts payable17/49€118k€107k▼
Amounts payable within one year42/48€118k€107k▼
Trade debts44€756€1k▲
Suppliers440/4€756€1k▲
Taxes, remuneration and social security45€7k€12k▲
Taxes450/3€6k€12k▲
Remuneration and social security454/9€1k€0▼
Other amounts payable47/48€111k€94k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€13k▼
Other operating charges640/8€614€785▲
Non-recurring operating charges66A-€1k
Gross operating margin9900€57k€66k▲
Operating profit (loss)9901€44k€51k▲
Financial income75/76B-€6k
Recurring financial income75-€6k
Financial charges65/66B€4k€5k▲
Recurring financial charges65€4k€5k▲
Profit (loss) for the period before taxes9903€40k€51k▲
Transfer from deferred taxes780€217€217=
Income taxes67/77€6k€15k▲
Profit (loss) for the period9904€34k€36k▲
Transfer from tax-exempt reserves789€866€866=
Profit (loss) for the period to be appropriated9905€35k€37k▲
Appropriation of the result
Profit (loss) to be appropriated9906€22k€38k▲
Profit (loss) brought forward from the previous period14P€-12k€792▲
Transfer from equity791/2€50k€0▼
Transfer to equity691/2€22k€38k▲
To contributions691-€0
To other reserves6921€22k€38k▲
Profit to be distributed694/7€50k€0▼
Return on contributions (dividend)694€50k€0▼
The notes to these accounts (6 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
28-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Highest result since 2019net €36k ▲6.3%
Operating result €51k, net result €36k, both a record.
30-09
Financial
Equity above €150kEq €172k ▲26.5%
2 profitable years in a row build equity to €172k.
07-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Back to profitnet €34k
Net result €34k after one loss-making year.
03-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-09
Financial
Weakest financial yearnet €-19k ▼858%
Net result drops to €-19k, the lowest in the series; recovery starts the following year.
2022
22-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
28-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-03
Financial
Equity above €150kEq €169k ▲16.6%
3 profitable years in a row build equity to €169k.
2020
06-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
28-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
31-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
12-10
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
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, Izegem · 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.
Vuurkruiserslaan 268870 IzegemGround area
944 m²
Building footprint
165 m²
Volume, LiDAR
1,189 m³
Parcel 36494D0230/00H000, Flanders · tallest building 10.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
VANSTEELAND INVEST
since 20152.246.148.628
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36494D0230/00H000 | Flanders | 944 m² | 1 · 165 m² | 10.3 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.
Similar companies · same sector, comparable size
SPADA Management
BE 0793.448.716
Brasschaat · Eq €171,898
LAVALINA
BE 0693.702.329
Anzegem · Eq €171,872
LUNAFIN
BE 0651.896.814
Brugge · Eq €171,871
ELPEBA
BE 0655.969.032
Haacht · Eq €171,940
ABC BON BINI
BE 0892.824.325
Anzegem · Eq €171,866
Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 13,423 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 formPrivate limited company
Founded28-09-2015
Fiscal year end30-09
Activities, NACEBEL 2025
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.