Balcaen Céline
ActiveSummary
Balcaen Céline has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €24k and a net result of €22k. Its solvency ranks better than 59% of 1272 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
92
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability100
Solvency85
Growth-
Track record67
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 2.01; short-term debt: 40.3% and cash: 75% of total assets), and 40.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 75
Relative position
BE, all sectors
reference
Sector 75
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
59.7%
Return on assets
54.8%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 05-08-2026, 5 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 · 1 filingDeviation from the deadline
2025
5 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2025, micro schema
Equity
€24k
Total assets
€41k
Net result
€22k
Working capital
€17k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €41k
Fixed assets
€8k
Current assets
€33k
Equity and liabilities €41k
Equity
€24k
Debt
€16k
Debt finances 40.3% of the balance-sheet total.
Key figures and ratios
EBITDA
€35k
Cash flow
€26k
Current ratio
2.01
Debt to equity
0.68
ROE
91.8%
ROA
54.8%
Interest coverage
294.29
Debt ≤ 1 year
€16k
Income taxes
€9k
Filed annual accounts As filed with the NBB · 2025 · 32 lines
Balance sheet
Code2025
Assets
Total assets20/58€41k
Fixed assets21/28€8k
Tangible fixed assets22/27€8k
Furniture and vehicles24€8k
Current assets29/58€33k
Cash at bank and in hand54/58€30k
Deferred charges and accrued income490/1€2k
Equity and liabilities
Total equity and liabilities10/49€41k
Equity10/15€24k
Contributions10/11€2k
Reserves13€22k
Distributable reserves133€22k
Amounts payable17/49€16k
Amounts payable within one year42/48€16k
Trade debts44€2k
Suppliers440/4€2k
Taxes, remuneration and social security45€6k
Taxes450/3€5k
Remuneration and social security454/9€1k
Other amounts payable47/48€9k
Income statement
Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k
Gross operating margin9900€35k
Operating profit (loss)9901€31k
Financial charges65/66B€119
Recurring financial charges65€119
Profit (loss) for the period before taxes9903€31k
Income taxes67/77€9k
Profit (loss) for the period9904€22k
Profit (loss) for the period to be appropriated9905€22k
Appropriation of the result
Profit (loss) to be appropriated9906€22k
Transfer to equity691/2€22k
To other reserves6921€22k
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
05-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 5 days late
NBB filing
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, Gent · 1 establishment unit since 2024
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.
Poekstraat 209031 GentGround area
2,325 m²
Building footprint
246 m²
Volume, LiDAR
1,197 m³
Parcel 44017A0391/00E000, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Poekstraat 20, 9031 Gent
since 20242.368.243.815
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44017A0391/00E000 | Flanders | 2,325 m² | 1 · 246 m² | 8.4 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.
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Of 6,078 companies in sector 75000 we hold annual accounts for 1,950. 1,373 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
Founded23-12-2024
Fiscal year end31-12
Activities, NACEBEL 2025
75000Veterinary services
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.