C'GARDEN
ActiveC'GARDEN has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €132k and a net result of €28k. Equity is growing by ~13.1% per year across the filed fiscal years. Its solvency ranks better than 56% of 18207 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability80▲+70
Solvency67▲+5
Growth52=
Track record100
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity tight (current ratio 1.17 against 0.94 in 2024; short-term debt: 26% and cash: 1.3% of total assets), and 58.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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
41.8%
Return on assets
8.9%
Age of the figures
9 mo
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 7 filingsDeviation from the deadline
2025
27 d late
2024
29 d early
2023
23 d early
2022
28 d early
2021
25 d early
2020
18 d late
2019
13 d late
← before the deadline
after the deadline →
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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€0
2022 · €0
2021: €0
2022: €0
2021 → 2023
Total assets
€315k▲ 9.4%
2024 · €288k
2019: €112k
2020: €327k
2021: €376k
2022: €387k
2023: €354k
2024: €288k
2019 → 2025
Net result
€28k
2024 · €-21k
2019: €46k
2020: €27k
2021: €22k
2022: €32k
2023: €6k
2024: €-21k
2019 → 2025
Working capital
€14k
2024 · €-4k
2019: €34k
2020: €12k
2021: €16k
2022: €14k
2023: €4k
2024: €-4k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€0-€0€0
Equity€92k-€122k▲ 32.8%€128k▲ 5.3%€107k▼ 16.1%€132k▲ 22.7%
Operating result€32k-€42k▲ 30.5%€14k▼ 67.1%€-16k€41k
Net result€22k-€32k▲ 43.1%€6k▼ 80.0%€-21k€28k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €41k after a loss of €16k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €315k
Fixed assets
€219k▼ 4.4%
Current assets
€96k▲ 63.1%
Equity and liabilities €315k
Equity
€132k▲ 22.7%
Debt
€183k▲ 1.5%
The debt ratio falls from 62.7% to 58.2%. Equity and debt are higher.
Key figures and ratios
EBITDA
€54k▲
2024 · €-3k
Cash flow
€41k▲
2024 · €-8k
Solvency
41.8%▲
2024 · 37.3%
Current ratio
1.17▲
2024 · 0.94
Quick ratio
1.09▲
2024 · 0.83
Debt / equity
1.39▼
2024 · 1.68
ROE
21.2%▲
2024 · -19.2%
ROA
8.9%▲
2024 · -7.2%
Interest coverage
13.30▲
2024 · -0.67
Debt
€183k▲
2024 · €180k
Debt ≤ 1 year
€82k▲
2024 · €63k
Debt > 1 year
€101k▼
2024 · €118k
Income taxes
€9k▲
2024 · €85
Staff costs
€151k▲
2024 · €126k
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 · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€288k€315k▲
Fixed assets21/28€229k€219k▼
Intangible fixed assets21€0€0=
Tangible fixed assets22/27€228k€218k▼
Land and buildings22€226k€217k▼
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€0-
Leasing and similar rights25€0-
Financial fixed assets28€596€596=
Current assets29/58€59k€96k▲
Stocks and contracts in progress3€7k€7k=
Stocks30/36€7k€7k=
Amounts receivable within one year40/41€26k€27k▲
Trade receivables40€24k€27k▲
Other amounts receivable41€2k€0▼
Cash at bank and in hand54/58€3k€4k▲
Deferred charges and accrued income490/1€23k€58k▲
Equity and liabilities
Total equity and liabilities10/49€288k€315k▲
Equity10/15€107k€132k▲
Contributions10/11€2k€2k=
Reserves13€49k€49k=
Distributable reserves133€49k€49k=
Profit (loss) carried forward14€56k€81k▲
Amounts payable17/49€180k€183k▲
Amounts payable after more than one year17€118k€101k▼
Financial debts170/4€118k€101k▼
Amounts payable within one year42/48€63k€82k▲
Current portion of amounts payable after more than one year42€16k€25k▲
Financial debts43€8k€4k▼
Credit institutions430/8€8k€4k▼
Trade debts44€7k€9k▲
Suppliers440/4€7k€9k▲
Taxes, remuneration and social security45€31k€41k▲
Taxes450/3€15k€22k▲
Remuneration and social security454/9€16k€19k▲
Other amounts payable47/48€1k€3k▲
Accrued charges and deferred income492/3€0€25▲
Income statement
Code20242025
Non-recurring operating income76A€0€0=
Remuneration, social security and pensions62€126k€151k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€13k▲
Other operating charges640/8€12k€4k▼
Non-recurring operating charges66A€0-
Gross operating margin9900€135k€209k▲
Operating profit (loss)9901€-16k€41k▲
Financial income75/76B-€5
Recurring financial income75-€5
Financial charges65/66B€5k€4k▼
Recurring financial charges65€5k€4k▼
Profit (loss) for the period before taxes9903€-21k€37k▲
Income taxes67/77€85€9k▲
Profit (loss) for the period9904€-21k€28k▲
Profit (loss) for the period to be appropriated9905€-21k€28k▲
Appropriation of the result
Profit (loss) to be appropriated9906€56k€84k▲
Profit (loss) brought forward from the previous period14P€77k€56k▼
Profit to be distributed694/7-€4k
Return on contributions (dividend)694-€4k
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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
31-12
Financial
Back to profitnet €28k
Net result €28k after one loss-making year.
02-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-21k ▼423%
Net result drops to €-21k, the lowest in the series; recovery starts the following year.
08-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €100kEq €122k ▲32.8%
4 profitable years in a row build equity to €122k.
06-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
18-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 18 days late
2020
13-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 13 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Hannut · 2 establishment units since 2018
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.
Rue de la Vallée (THIS) 404280 HannutGround area
1.0 ha
Building footprint
1,826 m²
Volume, LiDAR
7,355 m³
3 parcels, Wallonia · tallest building 7.5 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
AVEVE
since 20182.279.222.559
Aveve Jodoigne
since 20262.385.619.681
3 parcels
Wallonia
3
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25048F0425/02H000 | Wallonia | 4,982 m² | 1 · 1,308 m² | 7.5 m · 2 fl. |
| 64034A0653/00A000 | Wallonia | 4,603 m² | 1 · 394 m² | 4.3 m |
| 64066A0053/00W000 | Wallonia | 481 m² | 1 · 124 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels 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
Natuurbakkerij Schoofs & Herteleer
BE 0464.286.144
Genk · Eq €132k
DARE
BE 0871.375.348
Knokke-Heist · Eq €131k
BRUSSELS KETJEP
BE 0541.318.990
Oudergem · Eq €133k
Chez Dan & Co
BE 0769.409.542
Jemeppe-sur-Sambre · Eq €133k
DE COCK - MESKENS
BE 0459.854.927
Merchtem · Eq €131k
Of 2,477 companies in sector 47279 we hold annual accounts for 950. 748 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-09-2018
Fiscal year end31-12
Activities, NACEBEL
47279Other retail sale of food
47299Retail trade
47761Retail sale of flowers, plants, seeds and fertilisers
47762Retail sale of pets, pet food and pet supplies
47783Retail trade
47784Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.