C.T.R.S.
ActiveC.T.R.S. has been active since 2002 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €93k and a net result of €10k. Equity is growing by ~2.8% per year across the filed fiscal years. Its solvency ranks better than 49% of 27711 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
63
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75▲+2
Solvency71▲+12
Growth72=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 1.84 against 1.49 in 2024; short-term debt: 53.9% and cash: 0.6% of total assets), but 53.9% 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
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
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
46.1%
Return on assets
5.1%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 15-12-2025, 47 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
47 d early
2024
56 d early
2023
6 d early
2022
41 d late
2021
49 d early
2020
73 d early
2019
42 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close21-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€483k▲ 52.7%
2020 · €316k
2019: €327k
2020: €316k
2019 → 2021
EBIT margin
1.6%▼ 2.5pp
2020 · 4.2%
2019: 3.9%
2020: 4.2%
2019 → 2021
Net result
€10k▲ 25.5%
2024 · €8k
2019: €726
2020: €2k
2021: €2k
2022: €4k
2023: €5k
2024: €8k
2019 → 2025
Working capital
€92k▲ 14.4%
2024 · €81k
2019: €212k
2020: €214k
2021: €60k
2022: €65k
2023: €71k
2024: €81k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€483k-
Equity€66k-€70k▲ 5.9%€75k▲ 6.5%€83k▲ 11.0%€93k▲ 12.4%
Operating result€8k-€8k▼ 0.3%€7k▼ 10.4%€11k▲ 62.6%€13k▲ 16.6%
Net result€2k-€4k▲ 89.8%€5k▲ 16.5%€8k▲ 79.4%€10k▲ 25.5%
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 17% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €203k
Fixed assets
€1k▼ 53.1%
Current assets
€202k▼ 17.4%
Equity and liabilities €203k
Equity
€93k▲ 12.4%
Debt
€109k▼ 33.0%
The debt ratio falls from 66.3% to 53.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€15k▲
2024 · €13k
Cash flow
€12k▲
2024 · €10k
Solvency
46.1%▲
2024 · 33.7%
Current ratio
1.84▲
2024 · 1.49
Quick ratio
1.78▲
2024 · 1.38
Debt / equity
1.17▼
2024 · 1.97
ROE
11.0%▲
2024 · 9.9%
ROA
5.1%▲
2024 · 3.3%
Interest coverage
33.63▼
2024 · 35.23
Debt
€109k▼
2024 · €163k
Debt ≤ 1 year
€109k▼
2024 · €163k
Income taxes
€5k▲
2024 · €3k
Staff costs
€54k▲
2024 · €53k
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€246k€203k▼
Fixed assets21/28€2k€1k▼
Tangible fixed assets22/27€2k€1k▼
Furniture and vehicles24€2k€1k▼
Current assets29/58€244k€202k▼
Stocks and contracts in progress3€18k€7k▼
Stocks30/36€18k€7k▼
Amounts receivable within one year40/41€197k€194k▼
Trade receivables40€168k€136k▼
Other amounts receivable41€29k€58k▲
Cash at bank and in hand54/58€29k€1k▼
Equity and liabilities
Total equity and liabilities10/49€246k€203k▼
Equity10/15€83k€93k▲
Contributions10/11€19k€19k=
Reserves13€1k€1k=
Distributable reserves133€1k€1k=
Profit (loss) carried forward14€63k€74k▲
Amounts payable17/49€163k€109k▼
Amounts payable within one year42/48€163k€109k▼
Trade debts44€155k€50k▼
Suppliers440/4€155k€50k▼
Taxes, remuneration and social security45€9k€17k▲
Taxes450/3-€6k
Remuneration and social security454/9€9k€12k▲
Other amounts payable47/48-€42k
Income statement
Code20242025
Remuneration, social security and pensions62€53k€54k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€1k▼
Other operating charges640/8€752€1k▲
Gross operating margin9900€67k€70k▲
Operating profit (loss)9901€11k€13k▲
Financial income75/76B€524€2k▲
Recurring financial income75€524€2k▲
Financial charges65/66B€366€434▲
Recurring financial charges65€366€434▲
Profit (loss) for the period before taxes9903€12k€15k▲
Income taxes67/77€3k€5k▲
Profit (loss) for the period9904€8k€10k▲
Profit (loss) for the period to be appropriated9905€8k€10k▲
Appropriation of the result
Profit (loss) to be appropriated9906€63k€74k▲
Profit (loss) brought forward from the previous period14P€55k€63k▲
The notes to these accounts (4 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
2025
15-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-06
Financial
Highest result since 2019net €10k ▲25.5%
Operating result €13k, net result €10k, both a record.
2024
06-12
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
25-01
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
13-03
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 41 days late
2021
13-12
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
19-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
20-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
22-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
27-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 55 days late
2017
30-01
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Namur · 1 establishment unit since 2002
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.
Route de Saussin(TX) 645020 NamurGround area
9,359 m²
Building footprint
738 m²
Parcel 92123A0176/00K000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Route de Saussin(TX) 64, 5020 Namur
since 20022.094.621.958
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92123A0176/00K000 | Wallonia | 9,359 m² | 1 · 738 m² | - |
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
Terrassement M.H.
BE 0838.987.840
Thuin · Eq €93k
STIJN EN MARC COPPENS
BE 0888.277.894
Geraardsbergen · Eq €94k
RENO
BE 0764.468.876
Beringen · Eq €93k
ALEXTERIEUR-TERRASSEMENT
BE 0805.336.956
Sint-Genesius-Rode · Eq €93k
NYKORENOV
BE 0795.245.689
Koekelberg · Eq €94k
Of 8,456 companies in sector 43120 we hold annual accounts for 3,233. 2,639 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-03-2002
Fiscal year end30-06
Activities, NACEBEL
43120Site preparation
43331Floor and wall tiling
45112
43230Insulation installation
43291Specialised construction activities
43990Other specialised construction activities
43999Specialised construction activities
45250
71320
77320Rental and leasing activities
Sources
Crossroads Bank for EnterprisesNational Bank · 23 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.