C3L
ActiveC3L has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €139k and a net result of €-9k. Equity is growing by ~31.1% per year across the filed fiscal years. Its solvency ranks better than 71% of 13905 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0=
Solvency98=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €8k at 30 days acceptable
Liquidity ample (current ratio 2.36 against 2.46 in 2024), and 42.2% 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 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
2021232425
2020 to 2025 · latest year -€9k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 25-08-2026, 25 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 5 filingsDeviation from the deadline
2025
25 d late
2024
83 d late
2023
153 d late
2021
104 d late
2020
132 d late
← 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€139k▼ 6.0%
2024 · €148k
2020: €-52k
2021: €-54k
2023: €161k
2024: €148k
2020 → 2025
Total assets
€241k▼ 3.2%
2024 · €249k
2020: €131k
2021: €163k
2023: €335k
2024: €249k
2020 → 2025
Net result
€-9k▲ 28.9%
2024 · €-12k
2020: €-53k
2021: €-2k
2023: €-13k
2024: €-12k
2020 → 2025
Working capital
€138k▼ 6.1%
2024 · €147k
2020: €-54k
2021: €-55k
2023: €155k
2024: €147k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202320242025Trend
Equity€-52k-€-54k▼ 4.3%€161k€148k▼ 7.7%€139k▼ 6.0%
Operating result€-53k-€-2k▲ 96.0%€-12k▼ 461%€-12k▼ 3.5%€-9k▲ 27.5%
Net result€-53k-€-2k▲ 95.7%€-13k▼ 488%€-12k▲ 6.2%€-9k▲ 28.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €9k in 2025 against €12k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €241k
Fixed assets
€1k▲ 12.2%
Current assets
€240k▼ 3.2%
Equity and liabilities €241k
Equity
€139k▼ 6.0%
Debt
€102k▲ 0.9%
The debt ratio rises from 40.5% to 42.2%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€-8k▼
2024 · €-7k
Cash flow
€-8k▼
2024 · €-8k
Solvency
57.8%▼
2024 · 59.5%
Current ratio
2.36▼
2024 · 2.46
Quick ratio
2.36▼
2024 · 2.46
Debt / equity
0.73▲
2024 · 0.68
ROE
-6.4%▲
2024 · -8.4%
ROA
-3.7%▲
2024 · -5.0%
Interest coverage
-41.66▲
2024 · -746844.00
Debt
€102k▲
2024 · €101k
Debt ≤ 1 year
€102k▲
2024 · €101k
Income taxes
€25▼
2024 · €280
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€249k€241k▼
Fixed assets21/28€1k€1k▲
Tangible fixed assets22/27€1k€1k▲
Plant, machinery and equipment23€160€64▼
Furniture and vehicles24€1k€1k▲
Current assets29/58€248k€240k▼
Amounts receivable within one year40/41€81k€186k▲
Trade receivables40€13k€13k=
Other amounts receivable41€67k€173k▲
Cash at bank and in hand54/58€167k€54k▼
Deferred charges and accrued income490/1€195€206▲
Equity and liabilities
Total equity and liabilities10/49€249k€241k▼
Equity10/15€148k€139k▼
Contributions10/11€1k€1k=
Reserves13€147k€138k▼
Distributable reserves133€147k€138k▼
Amounts payable17/49€101k€102k▲
Amounts payable within one year42/48€101k€102k▲
Trade debts44€48k€49k▲
Suppliers440/4€48k€49k▲
Other amounts payable47/48€53k€53k=
Income statement
Code20242025
Remuneration, social security and pensions62€335-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€953▼
Other operating charges640/8€808€596▼
Gross operating margin9900€-6k€-7k▼
Operating profit (loss)9901€-12k€-9k▲
Financial income75/76B€228€347▲
Recurring financial income75€228€347▲
Financial charges65/66B€0€193▲
Recurring financial charges65€0€193▲
Profit (loss) for the period before taxes9903€-12k€-9k▲
Income taxes67/77€280€25▼
Profit (loss) for the period9904€-12k€-9k▲
Profit (loss) for the period to be appropriated9905€-12k€-9k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-12k€-9k▲
Transfer from equity791/2€12k€9k▼
The notes to these accounts (5 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
25-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 25 days late
2025
22-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 83 days late
2024
31-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 153 days late
2023
31-12
Financial
Liquidity triplescurrent ratio 1.88
Current ratio from 0.75 to 1.88; short-term debt falls from €218k to €175k.
31-12
Financial
Equity above €150kEq €161k
Equity rises from €-54k to €161k.
2022
12-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 104 days late
2021
10-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 132 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Tournai · 1 establishment unit since 2019
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.
Avenue des Alliés(K) 407540 TournaiGround area
4,116 m²
Building footprint
279 m²
Volume, LiDAR
1,770 m³
Parcel 57042A0276/00E000, Wallonia · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
C3L
since 20192.303.167.505
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57042A0276/00E000 | Wallonia | 4,116 m² | 1 · 279 m² | 9.3 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.
Similar companies · same sector, comparable size
MAKID-Development
BE 0755.969.401
Mechelen · Eq €139k
FICTILIUS
BE 0738.820.393
Torhout · Eq €139k
ALL HOUSE BOUWWERKEN
BE 0702.988.296
Maasmechelen · Eq €139k
PROMACON
BE 0823.730.433
Bilzen-Hoeselt · Eq €139k
RKS RELOCATION
BE 0872.310.112
Walhain · Eq €140k
Of 9,633 companies in sector 68121 we hold annual accounts for 7,327. 5,313 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-11-2019
Fiscal year end31-12
Activities, NACEBEL
68121Development of residential building projects
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.