C&LO
ActiveC&LO has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €66k and a net result of €47k. Equity is growing by ~7% per year across the filed fiscal years. Its solvency ranks better than 65% of 3468 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
85
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency91▲+14
Growth78=
Track record94
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 2.24 against 2.0 in 2024; short-term debt: 30.8% and cash: 29.9% of total assets), and 33.7% 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
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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 74
Relative position
BE, all sectors
reference
Sector 74
lower
← 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
66.3%
Return on assets
46.5%
Age of the figures
9 mo
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 31-07-2026, 0 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
on the day
2024
45 d early
2023
5 d late
2022
40 d early
2021
26 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€128k
EBIT margin
49.2%
Net result
€47k▲ 5.6%
2024 · €44k
2021: €35k
2022: €30k
2023: €15k
2024: €44k
2021 → 2025
Working capital
€38k▼ 23.0%
2024 · €50k
2021: €34k
2022: €46k
2023: €61k
2024: €50k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€128k
Equity€36k-€65k▲ 79.6%€79k▲ 21.1%€65k▼ 17.7%€66k▲ 2.4%
Operating result€48k-€41k▼ 13.4%€19k▼ 53.0%€56k▲ 188%€63k▲ 12.9%
Net result€35k-€30k▼ 14.2%€15k▼ 50.9%€44k▲ 203%€47k▲ 5.6%
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 13% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €100k
Fixed assets
€31k▲ 20.1%
Current assets
€69k▼ 30.4%
Equity and liabilities €100k
Equity
€66k▲ 2.4%
Debt
€34k▼ 44.1%
The debt ratio falls from 48.2% to 33.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€72k▲
2024 · €65k
Cash flow
€56k▲
2024 · €53k
Solvency
66.3%▲
2024 · 51.8%
Current ratio
2.24▲
2024 · 2.00
Quick ratio
2.24▲
2024 · 2.00
Debt / equity
0.51▼
2024 · 0.93
ROE
70.1%▲
2024 · 67.9%
ROA
46.5%▲
2024 · 35.2%
Interest coverage
108.43▼
2024 · 154.91
Debt
€34k▼
2024 · €60k
Debt ≤ 1 year
€31k▼
2024 · €50k
Debt > 1 year
€3k▼
2024 · €11k
Income taxes
€16k▲
2024 · €12k
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€125k€100k▼
Fixed assets21/28€26k€31k▲
Tangible fixed assets22/27€26k€31k▲
Furniture and vehicles24€0€724▲
Leasing and similar rights25€17k€9k▼
Other tangible fixed assets26€9k€21k▲
Current assets29/58€99k€69k▼
Amounts receivable after more than one year29€26k€23k▼
Other amounts receivable291€26k€23k▼
Amounts receivable within one year40/41€52k€10k▼
Trade receivables40€48k€8k▼
Other amounts receivable41€4k€1k▼
Current investments50/53-€6k
Cash at bank and in hand54/58€20k€30k▲
Deferred charges and accrued income490/1€710€681▼
Equity and liabilities
Total equity and liabilities10/49€125k€100k▼
Equity10/15€65k€66k▲
Contributions10/11€3k€3k=
Reserves13€61k€61k=
Distributable reserves133€61k€61k=
Profit (loss) carried forward14€1k€3k▲
Amounts payable17/49€60k€34k▼
Amounts payable after more than one year17€11k€3k▼
Financial debts170/4€11k€3k▼
Amounts payable within one year42/48€50k€31k▼
Current portion of amounts payable after more than one year42€8k€8k▲
Trade debts44€930€736▼
Suppliers440/4€930€736▼
Taxes, remuneration and social security45€14k€14k▼
Taxes450/3€13k€14k▲
Remuneration and social security454/9€1k€0▼
Other amounts payable47/48€27k€8k▼
Income statement
Code20242025
Turnover70-€128k
Non-recurring operating income76A-€0
Goods, raw materials, services and sundry goods60/61-€60k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€10k▲
Other operating charges640/8€752€2k▲
Non-recurring operating charges66A€698€0▼
Gross operating margin9900€66k€75k▲
Operating profit (loss)9901€56k€63k▲
Financial income75/76B€693€621▼
Recurring financial income75€693€621▼
Financial charges65/66B€418€669▲
Recurring financial charges65€418€669▲
Profit (loss) for the period before taxes9903€56k€63k▲
Income taxes67/77€12k€16k▲
Profit (loss) for the period9904€44k€47k▲
Profit (loss) for the period to be appropriated9905€44k€47k▲
Appropriation of the result
Profit (loss) to be appropriated9906€59k€48k▼
Profit (loss) brought forward from the previous period14P€15k€1k▼
Profit to be distributed694/7€58k€45k▼
Return on contributions (dividend)694€58k€45k▼
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
Next filing, fiscal year 2026, expected by
2026
31-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2021net €47k ▲5.6%
Operating result €63k, net result €47k, both a record.
16-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
05-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 5 days late
2023
31-12
Financial
Weakest financial yearnet €15k ▼50.9%
Net result drops to €15k, the lowest in the series; recovery starts the following year.
21-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
05-07
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, Pont-à-Celles · 1 establishment unit since 2021
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 Albert 1er(VIE) 406230 Pont-à-CellesGround area
174 m²
Building footprint
83 m²
Volume, LiDAR
724 m³
Parcel 52067B0480/00L002, Wallonia · tallest building 10.7 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
C&LO
since 20212.313.265.007
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52067B0480/00L002 | Wallonia | 174 m² | 1 · 83 m² | 10.7 m · 3 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 4,563 companies in sector 74999 we hold annual accounts for 1,938. 1,559 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-01-2021
Fiscal year end31-12
Activities, NACEBEL
74909Other professional, scientific and technical activities
74999Other professional, scientific and technical activities
46190Agents in non-specialised wholesale trade
62010Computer programming, consultancy and related activities
62020IT consultancy
62100Computer programming
62200Computer consultancy and computer facilities management
70200Business and other management consultancy
70220Business consulting
71121Engineering and related technical consultancy, excluding land surveyors
95100Repair and maintenance of computers and communication equipment
95110Repair and maintenance of computers, personal and household goods, and motor vehicles and motorcycles
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.