Summary
WHEB 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 €954k and a net result of €122k. Equity is growing by ~13.8% per year across the filed fiscal years. Its solvency ranks better than 57% of 8023 sector peers (fiscal year 2025). The company has been active since 2016 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 check for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 20-08-2026, 20 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 8 filingsDeviation from the deadline
2025
20 d late
2024
1 d early
2023
on the day
2022
16 d late
2021
24 d early
2020
32 d early
2019
24 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2025, micro schema
Equity
€954k▲ 14.7%
2024 · €832k
2019: €416k
2020: €500k
2021: €1.10M
2022: €996k
2023: €912k
2024: €832k
2019 → 2025
Net result
€122k
2024 · €-81k
2019: €14k
2020: €84k
2021: €596k
2022: €-100k
2023: €-83k
2024: €-81k
2019 → 2025
Total assets
€1.59M▼ 3.3%
2024 · €1.64M
2019: €1.02M
2020: €986k
2021: €1.34M
2022: €1.65M
2023: €1.40M
2024: €1.64M
2019 → 2025
Solvency
60.0%▲ 9.4pp
2024 · 50.6%
2019: 41.0%
2020: 50.7%
2021: 82.1%
2022: 60.5%
2023: 65.4%
2024: 50.6%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.10M-€996k▼ 9.2%€912k▼ 8.4%€832k▼ 8.8%€954k▲ 14.7%
Operating result€23k-€-94k€-77k▲ 18.0%€-80k▼ 3.5%€150k
Net result€596k-€-100k€-83k▲ 17.0%€-81k▲ 3.3%€122k
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 returns to profit in 2025: €150k after a loss of €80k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.59M
Fixed assets
€1.52M ▼ 3.3%
Current assets
€69k ▼ 2.0%
Equity and liabilities €1.59M
Equity
€954k ▲ 14.7%
Debt
€637k ▼ 21.7%
Debt's share of the balance-sheet total falls from 49.4% to 40.0%. Equity is higher and debt is lower.
Key figures and ratios
ROE
12.8%▲
2024 · -9.7%
ROA
7.7%▲
2024 · -4.9%
Debt ≤ 1 year
€191k▲
2024 · €136k
Debt > 1 year
€446k▼
2024 · €677k
Income taxes
€2k▲
2024 · €943
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 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€1.64M€1.59M▼
Fixed assets21/28€1.57M€1.52M▼
Tangible fixed assets22/27€524k€547k▲
Land and buildings22€470k€517k▲
Plant, machinery and equipment23-€1k
Furniture and vehicles24€53k€29k▼
Financial fixed assets28€1.05M€975k▼
Current assets29/58€70k€69k▼
Amounts receivable within one year40/41€9k€97▼
Trade receivables40€8k€0▼
Other amounts receivable41€97€97=
Current investments50/53€0-
Cash at bank and in hand54/58€62k€69k▲
Deferred charges and accrued income490/1€0-
Equity and liabilities
Total equity and liabilities10/49€1.64M€1.59M▼
Equity10/15€832k€954k▲
Contributions10/11€300k€300k=
Reserves13€30k€30k=
Non-distributable reserves130/1€30k€30k=
Reserves not available under the articles1311€30k€30k=
Profit (loss) carried forward14€502k€624k▲
Amounts payable17/49€812k€637k▼
Amounts payable after more than one year17€677k€446k▼
Financial debts170/4€677k€446k▼
Amounts payable within one year42/48€136k€191k▲
Current portion of amounts payable after more than one year42€42k€96k▲
Financial debts43€16k€0▼
Credit institutions430/8€16k€0▼
Trade debts44€4k€10k▲
Suppliers440/4€4k€10k▲
Advances received on contracts in progress46-€6k
Taxes, remuneration and social security45€5k€17k▲
Taxes450/3€5k€17k▲
Other amounts payable47/48€70k€62k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€30k€55k▲
Other operating charges640/8€3k€5k▲
Gross operating margin9900€-46k€210k▲
Operating profit (loss)9901€-80k€150k▲
Financial income75/76B€6k€0▼
Recurring financial income75€6k€0▼
Financial charges65/66B€6k€26k▲
Recurring financial charges65€6k€26k▲
Profit (loss) for the period before taxes9903€-80k€124k▲
Income taxes67/77€943€2k▲
Profit (loss) for the period9904€-81k€122k▲
Profit (loss) for the period to be appropriated9905€-81k€122k▲
Appropriation of the result
Profit (loss) to be appropriated9906€502k€624k▲
Profit (loss) brought forward from the previous period14P€582k€502k▼
The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
20-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 20 days late
2025
31-12
Financial
Back to profitnet €122k
Net result €122k after 3 loss-making years.
2024
30-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
31-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
16-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 16 days late
31-03
Financial
Weakest financial yearnet €-100k
Net result drops to €-100k, the lowest in the series; recovery starts the following year.
2021
07-10
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
31-03
Financial
Highest result since 2019net €596k ▲610%
Net result €596k, the highest in the series.
31-03
Financial
Liquidity times 142current ratio 14.82
Current ratio from 0.10 to 14.82; short-term debt falls from €268k to €90k.
31-03
Financial
Equity above €1MEq €1.10M ▲119%
3 profitable years in a row build equity to €1.10M.
2020
29-09
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
31-03
Financial
Equity above €500kEq €500k ▲20.1%
2 profitable years in a row build equity to €500k.
2019
07-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Aalst · 1 establishment unit since 2016
Ground area
140 m²
Building footprint
76 m²
Volume, LiDAR
619 m³
Parcel 41002B0536/00F003, Flanders · tallest building 12.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
WHEB
since 20162.256.115.080
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41002B0536/00F003 | Flanders | 140 m² | 1 · 76 m² | 12.1 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
Beljas
BE 0884.505.683
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HILAL HORECA GROOTHANDEL
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FAFAN
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DARK INVEST
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Maldegem · Eq €954,455
BeDi
BE 0548.908.746
Schilde · Eq €953,417
Of 24,727 companies in sector 64210 we hold annual accounts for 19,768. 12,776 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
Founded04-08-2016
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
62200Computer consultancy and computer facilities management
73300Public relations and communication consultancy
82100Office administrative and support services
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 8 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.