Bank-en verzekeringsagent NOORD-BRABANT is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2020 annual accounts show equity of €490k and a net result of €628k. Equity is shrinking by ~3.8% per year across the filed fiscal years. Its solvency ranks better than 37% of 1102 sector peers (fiscal year 2020). The company has been active since 1998 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.
Filing: Five or more filing cycles are missing. This points to a standstill, not an imminent failure.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · No filing for years
The last filed financial year closed on 31-12-2020. Since then, 5 financial years are missing. This points to a standstill, not an imminent failure.
NBB · 10 filingsPosition against the passed deadline
31-12-2021 close31-07-2022 deadline16-09-2026 today
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2020 was due by 31-07-2021 and was filed on 07-07-2021, 24 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
not filed
2023
not filed
2022
not filed
2021
not filed
2020
24 d early
2019
35 d early
← before the deadline
after the deadline →
Financials · fiscal year 2020, abbreviated schema
Equity
€490k▼ 13.8%
2019 · €569k
2018: €530k
2019: €569k
2018 → 2020
Net result
€628k▲ 384%
2019 · €130k
2018: €429k
2019: €130k
2018 → 2020
Total assets
€1.75M▲ 59.9%
2019 · €1.10M
2018: €1.66M
2019: €1.10M
2018 → 2020
Solvency
28.0%▼ 23.9pp
2019 · 51.9%
2018: 32.0%
2019: 51.9%
2018 → 2020
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line201820192020Trend
Equity€530k-€569k▲ 7.3%€490k▼ 13.8%
Operating result€660k-€228k▼ 65.4%€872k▲ 282%
Net result€429k-€130k▼ 69.8%€628k▲ 384%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2020; 2020 is 282% above 2019 and is the highest result in the available series.
Balance-sheet composition
2020 in colour, 2019 as the grey bar beneath
Assets €1.75M
Fixed assets
€55k▼ 34.1%
Current assets
€1.70M▲ 67.7%
Equity and liabilities €1.75M
Equity
€490k▼ 13.8%
Debt
€1.26M▲ 139%
The debt ratio rises from 48.1% to 72.0%. Equity is lower and debt is higher.
Key figures and ratios
Solvency
28.0%▼
2019 · 51.9%
ROE
128.1%▲
2019 · 22.8%
ROA
35.8%▲
2019 · 11.8%
Debt
€1.26M▲
2019 · €527k
Debt ≤ 1 year
€1.25M▲
2019 · €470k
Debt > 1 year
€11k▼
2019 · €57k
Income taxes
€242k▲
2019 · €97k
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 · 2020 against 2019
Balance sheet
Code20192020
Assets
Total assets20/58€1.10M€1.75M▲
Fixed assets21/28€84k€55k▼
Tangible fixed assets22/27€84k€55k▼
Current assets29/58€1.01M€1.70M▲
Amounts receivable within one year40/41€642k€1.07M▲
Cash at bank and in hand54/58€315k€613k▲
Equity and liabilities
Total equity and liabilities10/49€1.10M€1.75M▲
Equity10/15€569k€490k▼
Contributions10/11€75k-
Reserves13€494k€413k▼
Amounts payable17/49€527k€1.26M▲
Amounts payable after more than one year17€57k€11k▼
Amounts payable within one year42/48€470k€1.25M▲
Trade debts44€38k€52k▲
Income statement
Code20192020
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€40k€37k▼
Gross operating margin9900€2.20M€3.13M▲
Operating profit (loss)9901€228k€872k▲
Recurring financial income75€3k€151▼
Recurring financial charges65€4k€2k▼
Profit (loss) for the period before taxes9903€227k€871k▲
Income taxes67/77€97k€242k▲
Profit (loss) for the period9904€130k€628k▲
Profit (loss) for the period to be appropriated9905€128k€628k▲
Appropriation of the result
Return on contributions (dividend)694€91k€537k▲
Timeline · acts, filings and financial milestones
2021
07-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-12
Financial
Highest result since 2018net €628k ▲384%
Operating result €872k, net result €628k, both a record.
26-06
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
31-12
Financial
Weakest financial yearnet €130k ▼69.8%
Net result drops to €130k, the lowest in the series; recovery starts the following year.
24-06
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
25-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
19-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2016
15-07
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
2015
11-06
NBB filing
Annual accounts filed
fiscal year 2014 · abbreviated schema
2014
12-06
NBB filing
Annual accounts filed
fiscal year 2013 · abbreviated schema
2013
17-06
NBB filing
Annual accounts filed
fiscal year 2012 · abbreviated schema
2012
14-06
NBB filing
Annual accounts filed
fiscal year 2011 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2024
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
18-11-2024
Graf von Rittberg Jan: Resigned as Manager
31-12-2023
Frank Temmerman: Resigned as Manager
04-10-2022
Dirk CASSIMAN: Resigned as Manager
31-12-2019
Dirk Maes: Resigned as Director
29-09-2019
Arne Vanparijs: Resigned as Director
31-08-2019
Riet Lombaert: Resigned as Director
31-08-2018
Wilfried Stiens: Resigned as Director
31-01-2018
Willy Vandenbak: Resigned as Director
30-06-2017
Marc Van Der Haegen: Resigned as Director
30-09-2016
Laurent Marcelis: Resigned as Director
01-02-2016
Jan Vandervelde: Resigned as Director
31-12-2015
Marc De Saeger: Resigned as Director
31-12-2015
Philippe Platteau: Resigned as Director
31-08-2015
Marc Muylaert: Resigned as Director
31-08-2010
Hugo Steenpunt: Resigned as Director
Location & real-estate footprint
Registered office, Asse · 7 establishment units since 2001
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.
Kattestraat 21730 AsseGround area
7,321 m²
Building footprint
1,863 m²
Volume, LiDAR
15,949 m³
7 parcels, Flanders · tallest building 17.3 m, ±4 floors. Linked by address, not a title deed.
7 establishment units
BELFIUS NOORD-BRABANT
since 20012.100.214.801
BELFIUS NOORD-BRABANT
since 20012.100.214.997
BELFIUS NOORD-BRABANT
since 20012.100.215.294
BELFIUS NOORD-BRABANT
since 20152.239.882.527
BELFIUS NOORD-BRABANT
since 20152.239.882.725
BELFIUS BANK NV
since 20152.239.882.824
Show 1 more locations
BELFIUS NOORD-BRABANT
since 20152.239.882.923
7 parcels
Flanders
7
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 22005A0536/00C002 | Flanders | 4,148 m² | 1 · 612 m² | 17.3 m · 4 fl. |
| 23026B0089/00F011 | Flanders | 1,033 m² | 1 · 88 m² | 12.7 m · 3 fl. |
| 23086E0229/00L000 | Flanders | 582 m² | 1 · 245 m² | 9.9 m · 3 fl. |
| 23095C0111/02A000 | Flanders | 558 m² | 1 · 306 m² | 10.4 m · 2 fl. |
| 23050F0351/00B002 | Flanders | 417 m² | 1 · 160 m² | 11.4 m · 2 fl. |
| 23322L0203/00G000 | Flanders | 380 m² | 1 · 240 m² | 12.7 m · 3 fl. |
| 23084A0258/00L002 | Flanders | 203 m² | 1 · 212 m² | 14.9 m · 4 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 6
7 of 7 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 3 entries · 8,681 EUR awarded · 8,681 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 2,635 EUR | 2,635 EUR |
| 2023 | 1 | 333 EUR | 333 EUR |
| 2022 | 1 | 5,713 EUR | 5,713 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Vlaams opleidingsverlof (VOV)
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Of 1,681 companies in sector 66191 we hold annual accounts for 1,229. 1,016 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formLimited partnership
Founded26-11-1998
Fiscal year end31-12
Activities, NACEBEL
66191Agents and brokers in banking services
Sources
Crossroads Bank for EnterprisesNational Bank · 22 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.