Summary
Torka 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 €108k and a net result of €105k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 76% of 8023 sector peers (fiscal year 2025). The company has been active since 2019 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
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
202122232425
2020 to 2025 · latest year €108k
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 08-07-2026, 23 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
23 d early
2024
4 d late
2023
on the day
2022
41 d early
2021
23 d late
2020
13 d late
← 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, micro schema
Equity
€108k▲ 2,720%
2024 · €4k
2020: €91k
2021: €180k
2022: €268k
2023: €36k
2024: €4k
2020 → 2025
Net result
€105k▲ 54.6%
2024 · €68k
2020: €90k
2021: €89k
2022: €88k
2023: €68k
2024: €68k
2020 → 2025
Total assets
€137k▼ 13.3%
2024 · €158k
2020: €135k
2021: €221k
2022: €338k
2023: €300k
2024: €158k
2020 → 2025
Solvency
79.2%▲ 76.7pp
2024 · 2.4%
2020: 67.3%
2021: 81.7%
2022: 79.3%
2023: 12.1%
2024: 2.4%
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€180k-€268k▲ 48.6%€36k▼ 86.5%€4k▼ 89.4%€108k▲ 2,720%
Operating result€113k-€125k▲ 10.7%€89k▼ 29.1%€90k▲ 1.0%€136k▲ 51.6%
Net result€89k-€88k▼ 2.0%€68k▼ 22.3%€68k▼ 0.7%€105k▲ 54.6%
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 52% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €137k
Fixed assets
€226 ▼ 88.0%
Current assets
€137k ▼ 12.4%
Equity and liabilities €137k
Equity
€108k ▲ 2,720%
Debt
€29k ▼ 81.5%
Debt's share of the balance-sheet total falls from 97.6% to 20.8%. Equity is higher and debt is lower.
Key figures and ratios
ROE
96.5%
ROA
76.3%▲
2024 · 42.8%
Debt ≤ 1 year
€29k▼
2024 · €151k
Income taxes
€32k▲
2024 · €21k
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 · 39 lines
Balance sheet
Code20242025
Assets
Total assets20/58€158k€137k▼
Fixed assets21/28€2k€226▼
Tangible fixed assets22/27€2k€226▼
Furniture and vehicles24€2k€226▼
Current assets29/58€156k€137k▼
Amounts receivable within one year40/41€46k€49k▲
Trade receivables40€1k€0▼
Other amounts receivable41€44k€49k▲
Cash at bank and in hand54/58€105k€84k▼
Deferred charges and accrued income490/1€5k€3k▼
Equity and liabilities
Total equity and liabilities10/49€158k€137k▼
Equity10/15€4k€108k▲
Contributions10/11€1k€1k=
Profit (loss) carried forward14€3k€107k▲
Amounts payable17/49€154k€29k▼
Amounts payable within one year42/48€151k€29k▼
Trade debts44€5k€2k▼
Suppliers440/4€5k€2k▼
Taxes, remuneration and social security45€16k€16k▲
Taxes450/3€16k€14k▼
Remuneration and social security454/9-€2k
Other amounts payable47/48€130k€10k▼
Accrued charges and deferred income492/3€3k€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€2k▼
Other operating charges640/8€1k€1k▼
Gross operating margin9900€103k€139k▲
Operating profit (loss)9901€90k€136k▲
Financial income75/76B€2k€1k▼
Recurring financial income75€2k€1k▼
Financial charges65/66B€3k€172▼
Recurring financial charges65€3k€172▼
Profit (loss) for the period before taxes9903€89k€137k▲
Income taxes67/77€21k€32k▲
Profit (loss) for the period9904€68k€105k▲
Profit (loss) for the period to be appropriated9905€68k€105k▲
Appropriation of the result
Profit (loss) to be appropriated9906€103k€107k▲
Profit (loss) brought forward from the previous period14P€35k€3k▼
Profit to be distributed694/7€100k€0▼
Return on contributions (dividend)694€100k€0▼
The notes to these accounts (4 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
15-07
State Gazette act
General meeting · Director resignation
Director appointment · Permanent representative
08-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2020net €105k ▲54.6%
Operating result €136k, net result €105k, both a record.
31-12
Financial
Liquidity times 5current ratio 4.79
Current ratio from 1.03 to 4.79; short-term debt falls from €151k to €29k.
31-12
Financial
Equity above €100kEq €108k ▲2,720%
6 profitable years in a row build equity to €108k.
04-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 4 days late
2024
31-12
Financial
Weakest financial yearnet €68k ▼0.7%
Net result drops to €68k, the lowest in the series; recovery starts the following year.
10-12
State Gazette act
General meeting · Director appointment
Permanent representative
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
20-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €200kEq €268k ▲48.6%
3 profitable years in a row build equity to €268k.
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 23 days late
2021
31-12
Financial
Equity above €150kEq €180k ▲98.4%
2 profitable years in a row build equity to €180k.
13-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 13 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
1 act for this company is 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, Hasselt · 1 establishment unit since 2019
Ground area
609 m²
Building footprint
195 m²
Volume, LiDAR
1,215 m³
Parcel 71327G0050/00E004, Flanders · tallest building 12.0 m, ±2 floors. Linked by address, not a title deed.
3
companies at this address
See who is registered here
1 establishment unit
Torka
since 20192.296.065.125
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71327G0050/00E004 | Flanders | 609 m² | 1 · 195 m² | 12.0 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.
Structure & network
Connections & network
6 connected companiesLinked via shared directors
Shared director
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Shared director
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Shared director
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Shared director
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Show 2 more companies with a shared director
Shared director
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Shared director
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Ownership & control
1 board mandateBoard mandates of this companythis company sits on their board1
1 location
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 12,505 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
Founded27-11-2019
Fiscal year end31-12
Activities, NACEBEL 2025
64210Activities of holding companies
70200Business and other management consultancy
71111Activities of building architects
82100Office administrative and support services
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:sven@torka.be
Phone:0476/48.01.84