C.K CONSULT 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 €76k and a net result of €172k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 18% of 8024 sector peers (fiscal year 2025). The company has been active since 2020 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 advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 18% of 8024 sector peers (2025).
NBB · sector comparisonPosition among 8024 sector peers
Solvency
better than 18%
← weakest
strongest →
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 02-06-2026, 59 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
59 d early
2024
43 d early
2023
40 d early
2022
60 d early
2021
37 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€76k▲ 2,071%
2024 · €3k
2021: €57k
2022: €255k
2023: €491k
2024: €3k
2021 → 2025
Net result
€172k▼ 28.0%
2024 · €239k
2021: €54k
2022: €198k
2023: €237k
2024: €239k
2021 → 2025
Total assets
€599k▲ 6.1%
2024 · €565k
2021: €58k
2022: €424k
2023: €663k
2024: €565k
2021 → 2025
Solvency
12.6%▲ 12.0pp
2024 · 0.6%
2021: 97.0%
2022: 60.1%
2023: 74.1%
2024: 0.6%
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€57k-€255k▲ 351%€491k▲ 93.0%€3k▼ 99.3%€76k▲ 2,071%
Operating result€69k-€263k▲ 281%€313k▲ 18.8%€297k▼ 5.1%€185k▼ 37.8%
Net result€54k-€198k▲ 270%€237k▲ 19.5%€239k▲ 0.9%€172k▼ 28.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 38% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €599k
Fixed assets
€520k▲ 5.2%
Current assets
€80k▲ 12.8%
Equity and liabilities €599k
Equity
€76k▲ 2,071%
Debt
€524k▼ 6.7%
The debt ratio falls from 99.4% to 87.4%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
12.6%▲
2024 · 0.6%
ROE
227.8%
ROA
28.7%▼
2024 · 42.3%
Debt
€524k▼
2024 · €561k
Debt ≤ 1 year
€275k▼
2024 · €310k
Debt > 1 year
€249k▼
2024 · €251k
Income taxes
€42k▼
2024 · €72k
Staff costs
€70▼
2024 · €298
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€565k€599k▲
Fixed assets21/28€494k€520k▲
Tangible fixed assets22/27€489k€515k▲
Land and buildings22€436k€451k▲
Plant, machinery and equipment23€7k€6k▼
Furniture and vehicles24€32k€24k▼
Other tangible fixed assets26€15k€34k▲
Financial fixed assets28€5k€5k=
Current assets29/58€71k€80k▲
Amounts receivable within one year40/41€7€9k▲
Other amounts receivable41€7€9k▲
Current investments50/53€54k€17k▼
Cash at bank and in hand54/58€5k€44k▲
Deferred charges and accrued income490/1€12k€10k▼
Equity and liabilities
Total equity and liabilities10/49€565k€599k▲
Equity10/15€3k€76k▲
Contributions10/11€3k€3k=
Reserves13€479€479=
Distributable reserves133€479€479=
Profit (loss) carried forward14-€72k
Amounts payable17/49€561k€524k▼
Amounts payable after more than one year17€251k€249k▼
Financial debts170/4€251k€249k▼
Amounts payable within one year42/48€310k€275k▼
Current portion of amounts payable after more than one year42€33k€41k▲
Financial debts43€1k€725▼
Credit institutions430/8€1k€725▼
Trade debts44€3k€21k▲
Suppliers440/4€3k€21k▲
Taxes, remuneration and social security45€15k€0▼
Taxes450/3€15k€0▼
Other amounts payable47/48€258k€212k▼
Income statement
Code20242025
Remuneration, social security and pensions62€298€70▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€42k€22k▼
Other operating charges640/8€4k€5k▲
Gross operating margin9900€343k€212k▼
Operating profit (loss)9901€297k€185k▼
Financial income75/76B€23k€40k▲
Recurring financial income75€23k€40k▲
Financial charges65/66B€9k€11k▲
Recurring financial charges65€9k€11k▲
Profit (loss) for the period before taxes9903€311k€214k▼
Income taxes67/77€72k€42k▼
Profit (loss) for the period9904€239k€172k▼
Profit (loss) for the period to be appropriated9905€239k€172k▼
Appropriation of the result
Profit (loss) to be appropriated9906€239k€172k▼
Transfer from equity791/2€488k€0▼
Profit to be distributed694/7€727k€100k▼
Return on contributions (dividend)694€727k€100k▼
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
02-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
18-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2021net €239k ▲0.9%
Net result €239k, the highest in the series.
21-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Liquidity doublescurrent ratio 7.62
Current ratio from 3.78 to 7.62.
01-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €200kEq €255k ▲351%
2 profitable years in a row build equity to €255k.
24-06
NBB filing
Annual accounts filed
fiscal year 2021 · 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, Zottegem · 1 establishment unit since 2020
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.
Pijperzele 529620 ZottegemGround area
746 m²
Building footprint
180 m²
Volume, LiDAR
931 m³
Parcel 41017D0655/00S000, Flanders · tallest building 9.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
C.K CONSULT
since 20202.311.614.126
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41017D0655/00S000 | Flanders | 746 m² | 1 · 180 m² | 9.2 m · 1 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 24,728 companies in sector 64210 we hold annual accounts for 19,764. 11,607 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-12-2020
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.