Result
From profit to loss in 2025, after a profit of €51,365 in 2024.
From profit to loss in 2025, after a profit of €51,365 in 2024.
Two of the last ten came late. The 2024 accounts came latest: 8 days after the end of the period.
Lower net result than 95% of companies in head offices and management consultancy. Sector median €27,168 · 39,358 companies.
The dashed line is the sector median: 0.4% across 3,699 companies (NACE 47, small).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 47, small). It does better than 95% of them on solvency, 84% on liquidity, 14% on profitability and 32% on growth.
The bankruptcy probability was computed on 07-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 30-09-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
In July 2024, 2,686 companies had the same profile as C0089 has now. Each dot stands for 7 companies, two years later.
Another 0.3% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of C0089 itself: 0.1% within 12 months.
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 2,686 companies, not a prediction for C0089. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Liquidity is ample, with a current ratio of 17.69 (11.05 in 2024), above the usual 1.5. Short-term debt is 3.8% and cash 10.9% of total assets. 21.5% of the assets are financed with debt and provisions.
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
The company filed its last 7 accounts on average 1 day after the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
| Company | ||||
|---|---|---|---|---|
| C0089 Koksijde | €2.5m | €34,067 | 78.5% | - |
| SENS BEHEER Beerse | €2.2m | €35,496 | 92.3% | - |
| MARON INSURANCE GROUP Verviers | €2.2m | €30,904 | 27.5% | - |
| MANAGELAB Geraardsbergen | €2.4m | €29,046 | 96.5% | - |
| PPP Group Lasne | €2.6m | €29,107 | 37.3% | 0 |
| K. DE BONDT Zoutleeuw | €2.5m | €40,956 | 97.8% | - |
| Ruwomat Invest Zulte | €2.8m | €31,253 | 99.0% | - |
These companies have the same main activity as C0089: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €2.2m and €2.8m, founded between 2011 and 2015.
C0089 files the micro format. That format states no turnover. The gross margin fell from €81,961 in 2014 to €34,067 in 2025.
In December 2021, the Official Gazette published the appointment of C & C PRIVATE as managing director.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
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