Summary
ZwartOpWit Groep 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 €11.92M and a net result of €667k. Equity is growing by ~8.1% per year across the filed fiscal years. Its solvency ranks better than 62% of 5527 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
1 signal. 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 04-06-2026, 57 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
57 d early
2024
55 d early
2023
56 d early
2022
46 d early
2021
59 d early
2020
54 d early
2019
15 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 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€11.92M▲ 5.9%
2024 · €11.25M
2018: €6.99M
2019: €8.09M
2020: €7.88M
2021: €8.00M
2022: €9.12M
2023: €11.12M
2024: €11.25M
2018 → 2025
Net result
€667k▲ 380%
2024 · €139k
2018: €1.30M
2019: €1.10M
2020: €-211k
2021: €122k
2022: €1.12M
2023: €2.00M
2024: €139k
2018 → 2025
Total assets
€18.56M▼ 0.5%
2024 · €18.66M
2018: €18.69M
2019: €18.62M
2020: €18.81M
2021: €18.56M
2022: €18.55M
2023: €18.63M
2024: €18.66M
2018 → 2025
Solvency
64.2%▲ 3.9pp
2024 · 60.3%
2018: 37.4%
2019: 43.5%
2020: 41.9%
2021: 43.1%
2022: 49.2%
2023: 59.7%
2024: 60.3%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€578k-
Equity€8.00M-€9.12M▲ 13.9%€11.12M▲ 21.9%€11.25M▲ 1.3%€11.92M▲ 5.9%
Operating result€189k-€192k▲ 1.6%€194k▲ 0.9%€195k▲ 0.5%€188k▼ 3.4%
Net result€122k-€1.12M▲ 815%€2.00M▲ 79.1%€139k▼ 93.0%€667k▲ 380%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 3% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €18.56M
Fixed assets
€18.45M =
Current assets
€113k ▼ 47.0%
Equity and liabilities €18.56M
Equity
€11.92M ▲ 5.9%
Debt
€6.64M ▼ 10.4%
Debt's share of the balance-sheet total falls from 39.7% to 35.8%. Equity is higher and debt is lower.
Key figures and ratios
ROE
5.6%▲
2024 · 1.2%
ROA
3.6%▲
2024 · 0.7%
Debt ≤ 1 year
€1.35M▼
2024 · €1.64M
Debt > 1 year
€5.09M▼
2024 · €5.67M
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 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€18.66M€18.56M▼
Fixed assets21/28€18.45M€18.45M=
Financial fixed assets28€18.45M€18.45M=
Current assets29/58€213k€113k▼
Amounts receivable within one year40/41€102k€62k▼
Trade receivables40€102k€62k▼
Cash at bank and in hand54/58€111k€50k▼
Deferred charges and accrued income490/1€554€554=
Equity and liabilities
Total equity and liabilities10/49€18.66M€18.56M▼
Equity10/15€11.25M€11.92M▲
Contributions10/11€5.00M€5.00M=
Capital10€5.00M€5.00M=
Issued capital100€5.00M€5.00M=
Reserves13€6.12M€6.29M▲
Non-distributable reserves130/1€324k€358k▲
Legal reserve130€324k€358k▲
Distributable reserves133€5.80M€5.93M▲
Profit (loss) carried forward14€132k€633k▲
Amounts payable17/49€7.40M€6.64M▼
Amounts payable after more than one year17€5.67M€5.09M▼
Financial debts170/4€5.67M€5.09M▼
Amounts payable within one year42/48€1.64M€1.35M▼
Current portion of amounts payable after more than one year42€1.54M€1.31M▼
Trade debts44€78k€23k▼
Suppliers440/4€78k€23k▼
Taxes, remuneration and social security45€23k€21k▼
Taxes450/3€23k€21k▼
Accrued charges and deferred income492/3€100k€196k▲
Income statement
Code20242025
Other operating charges640/8€1k€1k▲
Gross operating margin9900€196k€190k▼
Operating profit (loss)9901€195k€188k▼
Financial income75/76B€300k€800k▲
Recurring financial income75€300k€800k▲
Financial charges65/66B€356k€321k▼
Recurring financial charges65€356k€321k▼
Profit (loss) for the period before taxes9903€139k€667k▲
Income taxes67/77€0-
Profit (loss) for the period9904€139k€667k▲
Profit (loss) for the period to be appropriated9905€139k€667k▲
Appropriation of the result
Profit (loss) to be appropriated9906€2.04M€799k▼
Profit (loss) brought forward from the previous period14P€1.90M€132k▼
Transfer to equity691/2€1.90M€166k▼
To the legal reserve6920€7k€34k▲
To other reserves6921€1.90M€132k▼
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
Next filing, fiscal year 2026, expected by
2026
04-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
06-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
05-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Highest result since 2018net €2.00M ▲79.1%
Net result €2.00M, the highest in the series.
31-12
Financial
Equity above €10MEq €11.12M ▲21.9%
3 profitable years in a row build equity to €11.12M.
15-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
02-06
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
31-12
Financial
Back to profitnet €122k
Net result €122k after one loss-making year.
07-06
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
31-12
Financial
Weakest financial yearnet €-211k ▼119%
Net result drops to €-211k, the lowest in the series; recovery starts the following year.
16-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
06-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
11-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
20-06
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
10 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, Herenthout · 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.
Grensstraat 92270 HerenthoutGround area
4,866 m²
Building footprint
3,636 m²
Volume, LiDAR
21,939 m³
Parcel 13012A0392/00S002, Flanders · tallest building 9.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
ZwartOpWit Groep
since 20152.249.279.550
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13012A0392/00S002 | Flanders | 4,865 m² | 1 · 3,636 m² | 9.9 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
Business Consulting Group
BE 0451.708.511
Knokke-Heist · Eq €11,909,227
IMMO STEYLAERTS
BE 0456.831.990
Lier · Eq €11,890,022
IFC Services
BE 0843.336.905
Sint-Martens-Latem · Eq €11,954,340
MARINEL INVEST
BE 0653.736.448
Waregem · Eq €11,958,886
WEMA
BE 0776.865.773
Lommel · Eq €11,959,953
Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 5,526 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 formPublic limited company
Founded03-12-2015
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.