C-HOLD
ActiveC-HOLD has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €409k and a net result of €277k. Equity is growing by ~19.3% per year across the filed fiscal years. Its solvency ranks better than 19% of 8657 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
54
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability37=
Solvency40▼-1
Growth78▲+26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €22k at 30 days acceptable
Liquidity short (current ratio 0.22 against 0.61 in 2024; short-term debt: 19.7% and cash: 2.5% of total assets), and 85% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven 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 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies
more bankruptcies →
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
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
15%
Return on assets
10.2%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 8657 sector peers (2025).
NBB · sector comparisonPosition among 8657 sector peers
Solvency
better than 19%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 6 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
2023
1 d early
2022
4 d early
2021
31 d late
2020
1 d early
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€409k▼ 2.7%
2024 · €420k
2020: €192k
2021: €192k
2022: €250k
2023: €313k
2024: €420k
2020 → 2025
Total assets
€2.73M▲ 5.3%
2024 · €2.59M
2020: €1.09M
2021: €1.07M
2022: €1.12M
2023: €1.11M
2024: €2.59M
2020 → 2025
Net result
€277k▲ 157%
2024 · €108k
2020: €196k
2021: €-309
2022: €58k
2023: €63k
2024: €108k
2020 → 2025
Working capital
€-419k▼ 244%
2024 · €-122k
2020: €62k
2021: €32k
2022: €54k
2023: €44k
2024: €-122k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€192k-€250k▲ 30.3%€313k▲ 25.1%€420k▲ 34.5%€409k▼ 2.7%
Operating result€5k-€85k▲ 1,715%€93k▲ 10.4%€35k▼ 62.9%€50k▲ 45.2%
Net result€-309-€58k€63k▲ 8.1%€108k▲ 72.0%€277k▲ 157%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 45% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.73M
Fixed assets
€2.61M▲ 8.8%
Current assets
€118k▼ 38.4%
Equity and liabilities €2.73M
Equity
€409k▼ 2.7%
Debt
€2.32M▲ 6.8%
The debt ratio rises from 83.8% to 85.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€51k▲
2024 · €35k
Cash flow
€278k▲
2024 · €108k
Solvency
15.0%▼
2024 · 16.2%
Current ratio
0.22▼
2024 · 0.61
Quick ratio
0.22▼
2024 · 0.61
Debt / equity
5.67▲
2024 · 5.17
ROE
67.7%▲
2024 · 25.7%
ROA
10.2%▲
2024 · 4.2%
Interest coverage
0.62▼
2024 · 1.51
Debt
€2.32M▲
2024 · €2.17M
Debt ≤ 1 year
€537k▲
2024 · €314k
Debt > 1 year
€1.76M▼
2024 · €1.85M
Income taxes
€217▼
2024 · €3k
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€2.59M€2.73M▲
Fixed assets21/28€2.40M€2.61M▲
Tangible fixed assets22/27€309€11k▲
Land and buildings22-€11k
Furniture and vehicles24€309€0▼
Financial fixed assets28€2.40M€2.60M▲
Current assets29/58€192k€118k▼
Amounts receivable within one year40/41€82k€49k▼
Trade receivables40€42k€42k=
Other amounts receivable41€40k€7k▼
Cash at bank and in hand54/58€109k€69k▼
Deferred charges and accrued income490/1€869€411▼
Equity and liabilities
Total equity and liabilities10/49€2.59M€2.73M▲
Equity10/15€420k€409k▼
Contributions10/11€2k€2k=
Reserves13€418k€407k▼
Distributable reserves133€418k€407k▼
Amounts payable17/49€2.17M€2.32M▲
Amounts payable after more than one year17€1.85M€1.76M▼
Financial debts170/4€1.85M€1.76M▼
Amounts payable within one year42/48€314k€537k▲
Current portion of amounts payable after more than one year42€262k€271k▲
Trade debts44€9k€6k▼
Suppliers440/4€9k€6k▼
Taxes, remuneration and social security45€25k€12k▼
Taxes450/3€25k€12k▼
Other amounts payable47/48€18k€247k▲
Accrued charges and deferred income492/3€11k€22k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€537€884▲
Other operating charges640/8€2k€2k▼
Gross operating margin9900€37k€53k▲
Operating profit (loss)9901€35k€50k▲
Financial income75/76B€100k€310k▲
Recurring financial income75€100k€310k▲
Financial charges65/66B€23k€83k▲
Recurring financial charges65€23k€83k▲
Profit (loss) for the period before taxes9903€111k€277k▲
Income taxes67/77€3k€217▼
Profit (loss) for the period9904€108k€277k▲
Profit (loss) for the period to be appropriated9905€108k€277k▲
Appropriation of the result
Profit (loss) to be appropriated9906€108k€277k▲
Transfer from equity791/2-€228k
Transfer to equity691/2€108k€217k▲
To other reserves6921€108k€217k▲
Profit to be distributed694/7-€288k
Return on contributions (dividend)694-€288k
The notes to these accounts (11 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 31 days late
2025
31-12
Financial
Highest result since 2020net €277k ▲157%
Net result €277k, the highest in the series.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 29 days late
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €58k
Net result €58k after one loss-making year.
31-12
Financial
Equity above €200kEq €250k ▲30.3%
Equity rises from €192k to €250k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Weakest financial yearnet €-309 ▼100%
Net result drops to €-309, the lowest in the series; recovery starts the following year.
30-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Dendermonde · 1 establishment unit since 2019
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.
Wolvestraat (STG) 149200 DendermondeGround area
673 m²
Building footprint
149 m²
Volume, LiDAR
1 m³
Parcel 42021A0965/00D000, Flanders · tallest building 0.1 m. Linked by address, not a title deed.
1 establishment unit
C-HOLD
since 20192.294.534.703
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42021A0965/00D000 | Flanders | 673 m² | 1 · 149 m² | 0.1 m |
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
Krist & Carol
BE 0809.164.102
Kluisbergen · Eq €409k
Ann Verbeeck
BE 0848.199.771
Begijnendijk · Eq €408k
C. LEMAIRE
BE 0789.690.955
Amel · Eq €410k
ARIKO
BE 0788.586.838
Oostende · Eq €408k
GNC INVEST
BE 0865.786.663
Turnhout · Eq €408k
Of 5,700 companies in sector 70100 we hold annual accounts for 3,494. 2,261 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-09-2019
Fiscal year end31-12
Activities, NACEBEL
70100Activities of head offices
82100Office administrative and support services
82110Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.