C&S Estate
ActiveC&S Estate has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.43M and a net result of €99k. Equity is growing by ~30.8% per year across the filed fiscal years. Its solvency ranks better than 92% of 7740 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very 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
Profitability77▲+8
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €120k at 30 days acceptable
Liquidity ample (current ratio 9.99 against 5.72 in 2024; short-term debt: 2.8% and cash: 16.3% of total assets), and 6.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
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
93.3%
Return on assets
6.5%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
6 d early
2023
20 d late
2022
47 d early
2021
99 d early
2020
35 d early
2019
28 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, micro schema
Equity
€1.43M▲ 7.5%
2024 · €1.33M
2018: €266k
2019: €284k
2020: €382k
2021: €578k
2022: €540k
2023: €1.33M
2024: €1.33M
2018 → 2025
Total assets
€1.53M▲ 8.3%
2024 · €1.41M
2018: €1.13M
2019: €1.14M
2020: €1.27M
2021: €1.46M
2022: €1.40M
2023: €1.54M
2024: €1.41M
2018 → 2025
Net result
€99k▲ 4,832%
2024 · €2k
2018: €122k
2019: €93k
2020: €98k
2021: €231k
2022: €28k
2023: €791k
2024: €2k
2018 → 2025
Working capital
€379k▲ 109%
2024 · €181k
2018: €25k
2019: €7k
2020: €170k
2021: €310k
2022: €180k
2023: €251k
2024: €181k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€578k-€540k▼ 6.6%€1.33M▲ 146%€1.33M▲ 0.2%€1.43M▲ 7.5%
Operating result€280k-€49k▼ 82.4%€1.05M▲ 2,038%€4k▼ 99.6%€135k▲ 3,129%
Net result€231k-€28k▼ 87.8%€791k▲ 2,705%€2k▼ 99.7%€99k▲ 4,832%
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 3,129% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.53M
Fixed assets
€1.11M▼ 7.0%
Current assets
€421k▲ 91.6%
Equity and liabilities €1.53M
Equity
€1.43M▲ 7.5%
Provisions
€34k
Debt
€68k▼ 18.7%
The debt ratio falls from 6.0% to 4.5%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€190k▲
2024 · €50k
Cash flow
€154k▲
2024 · €48k
Solvency
93.3%▼
2024 · 94.0%
Current ratio
9.99▲
2024 · 5.72
Quick ratio
9.99▲
2024 · 5.72
Debt / equity
0.05▼
2024 · 0.06
ROE
6.9%▲
2024 · 0.2%
ROA
6.5%▲
2024 · 0.1%
Interest coverage
44.95▲
2024 · 9.65
Debt
€68k▼
2024 · €84k
Debt ≤ 1 year
€42k▲
2024 · €38k
Debt > 1 year
€26k▼
2024 · €42k
Income taxes
€623▲
2024 · €566
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€1.41M€1.53M▲
Fixed assets21/28€1.19M€1.11M▼
Tangible fixed assets22/27€1.19M€1.11M▼
Land and buildings22€1.09M€960k▼
Furniture and vehicles24€97k€76k▼
Assets under construction and advance payments27-€72k
Current assets29/58€220k€421k▲
Amounts receivable after more than one year29€150k€150k=
Other amounts receivable291€150k€150k=
Amounts receivable within one year40/41€21k€18k▼
Trade receivables40€11k€10k▼
Other amounts receivable41€9k€9k▼
Current investments50/53€0-
Cash at bank and in hand54/58€48k€249k▲
Deferred charges and accrued income490/1€1k€3k▲
Equity and liabilities
Total equity and liabilities10/49€1.41M€1.53M▲
Equity10/15€1.33M€1.43M▲
Contributions10/11€19k€19k=
Reserves13€1.31M€1.41M▲
Tax-exempt reserves132-€102k
Distributable reserves133€1.31M€1.31M▼
Provisions and deferred taxes16-€34k
Deferred taxes168-€34k
Amounts payable17/49€84k€68k▼
Amounts payable after more than one year17€42k€26k▼
Financial debts170/4€42k€26k▼
Amounts payable within one year42/48€38k€42k▲
Current portion of amounts payable after more than one year42€15k€16k▲
Trade debts44€3k€2k▼
Suppliers440/4€3k€2k▼
Taxes, remuneration and social security45€259€400▲
Taxes450/3€259€400▲
Other amounts payable47/48€20k€24k▲
Accrued charges and deferred income492/3€4k€14▼
Income statement
Code20242025
Remuneration, social security and pensions62€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€46k€55k▲
Other operating charges640/8€3k€3k▼
Non-recurring operating charges66A-€4k
Gross operating margin9900€53k€198k▲
Operating profit (loss)9901€4k€135k▲
Financial income75/76B€4k€3k▼
Recurring financial income75€4k€3k▼
Financial charges65/66B€5k€4k▼
Recurring financial charges65€5k€4k▼
Profit (loss) for the period before taxes9903€3k€134k▲
Transfer from deferred taxes780-€3k
Transfer to deferred taxes680-€37k
Income taxes67/77€566€623▲
Profit (loss) for the period9904€2k€99k▲
Transfer from tax-exempt reserves789-€9k
Transfer to tax-exempt reserves689-€111k
Profit (loss) for the period to be appropriated9905€2k€-3k▼
Appropriation of the result
Profit (loss) to be appropriated9906€2k€-3k▼
Transfer from equity791/2-€3k
Transfer to equity691/2€2k€0▼
To other reserves6921€2k€0▼
Social balance
Average headcount (FTE)90870.0-
The notes to these accounts (12 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
25-07
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Weakest financial yearnet €2k ▼99.7%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 5.72
Current ratio from 2.68 to 5.72; short-term debt falls from €150k to €38k.
20-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 20 days late
2023
31-12
Financial
Highest result since 2018net €791k ▲2705%
Operating result €1.05M, net result €791k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 2.68
Current ratio from 1.23 to 2.68; short-term debt falls from €794k to €150k.
31-12
Financial
Equity above €1MEq €1.33M ▲146%
6 profitable years in a row build equity to €1.33M.
14-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
21-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-09
Financial
Equity above €500kEq €578k ▲51.3%
4 profitable years in a row build equity to €578k.
26-03
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
02-04
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
02-04
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
03-04
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
20-12
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Wichelen · 1 establishment unit since 2007
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.
Bremenhulstraat 189260 WichelenGround area
1,541 m²
Building footprint
200 m²
Volume, LiDAR
1,132 m³
Parcel 42020A0003/00L000, Flanders · tallest building 9.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
C&S ESTATE
since 20072.166.248.936
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42020A0003/00L000 | Flanders | 1,541 m² | 1 · 200 m² | 9.1 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.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 6 entries · 4,312,790 EUR awarded · 4,312,790 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | -4,253 EUR | 0 EUR |
| 2023 | 2 | 1,113,914 EUR | 1,117,430 EUR |
| 2022 | 3 | 3,203,129 EUR | 3,195,360 EUR |
Schemes
Dienstencheques
Opleidingsfonds dienstencheques
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 24,503 companies in sector 82990 we hold annual accounts for 9,402. 3,878 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-10-2007
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
68122Development of non-residential building projects
Sources
Crossroads Bank for EnterprisesNational Bank · 17 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.
Contact details
1 entryPhone:09.365.02.32