CAPMA
ActiveCAPMA has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €20k and a net result of €16k. Equity is shrinking by ~15.7% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2028. Its solvency ranks better than 10% of 3161 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100▲+88
Solvency2▼-52
Growth32▼-20
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity short (current ratio 0.44 against 0.86 in 2024), and 97.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
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
2.6%
Return on assets
2.1%
Age of the figures
14 mo
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
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 3161 sector peers (2025).
NBB · sector comparisonPosition among 3161 sector peers
Solvency
better than 10%
← weakest
strongest →
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 27-01-2026, 4 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
4 d early
2024
33 d early
2023
58 d early
2022
42 d early
2021
28 d early
2019
44 d early
2018
23 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 close12-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€16k▲ 127%
2024 · €7k
2018: €90k
2019: €694k
2021: €700k
2022: €431k
2023: €11k
2024: €7k
2018 → 2025
Working capital
€-354k▼ 552%
2024 · €-54k
2018: €90k
2019: €699k
2021: €1.07M
2022: €306k
2023: €305k
2024: €-54k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.50M-€633k▼ 57.7%€645k▲ 1.8%€299k▼ 53.6%€20k▼ 93.4%
Operating result€265k-€-348€17k€9k▼ 46.1%€15k▲ 61.1%
Net result€700k-€431k▼ 38.4%€11k▼ 97.4%€7k▼ 38.8%€16k▲ 127%
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 61% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €762k
Fixed assets
€484k▼ 0.7%
Current assets
€278k▼ 16.9%
Equity and liabilities €762k
Equity
€20k▼ 93.4%
Debt
€742k▲ 41.8%
The debt ratio rises from 63.7% to 97.4%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€28k▲
2024 · €22k
Cash flow
€29k▲
2024 · €20k
Solvency
2.6%▼
2024 · 36.3%
Current ratio
0.44▼
2024 · 0.86
Quick ratio
0.44▼
2024 · 0.86
Debt / equity
37.50▲
2024 · 1.75
ROE
80.0%▲
2024 · 2.3%
ROA
2.1%▲
2024 · 0.8%
Interest coverage
14.67▲
2024 · 9.33
Debt
€742k▲
2024 · €524k
Debt ≤ 1 year
€632k▲
2024 · €389k
Debt > 1 year
€108k▼
2024 · €133k
Income taxes
€4k▲
2024 · €2k
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€823k€762k▼
Fixed assets21/28€488k€484k▼
Tangible fixed assets22/27€484k€481k▼
Land and buildings22€483k€471k▼
Furniture and vehicles24€1k€10k▲
Financial fixed assets28€4k€4k=
Current assets29/58€335k€278k▼
Amounts receivable within one year40/41€13k€24k▲
Trade receivables40€13k€24k▲
Current investments50/53€200k€0▼
Cash at bank and in hand54/58€116k€250k▲
Deferred charges and accrued income490/1€6k€4k▼
Equity and liabilities
Total equity and liabilities10/49€823k€762k▼
Equity10/15€299k€20k▼
Contributions10/11€19k€19k=
Reserves13€280k€0▼
Distributable reserves133€280k€0▼
Profit (loss) carried forward14€94€1k▲
Amounts payable17/49€524k€742k▲
Amounts payable after more than one year17€133k€108k▼
Financial debts170/4€133k€108k▼
Amounts payable within one year42/48€389k€632k▲
Current portion of amounts payable after more than one year42€25k€25k▲
Trade debts44€2k€2k▼
Suppliers440/4€2k€2k▼
Taxes, remuneration and social security45€7k€9k▲
Taxes450/3€7k€6k▼
Remuneration and social security454/9€0€2k▲
Other amounts payable47/48€355k€597k▲
Accrued charges and deferred income492/3€1k€2k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€13k▲
Other operating charges640/8€6k€6k▼
Gross operating margin9900€27k€34k▲
Operating profit (loss)9901€9k€15k▲
Financial income75/76B€2k€7k▲
Recurring financial income75€2k€7k▲
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€9k€20k▲
Income taxes67/77€2k€4k▲
Profit (loss) for the period9904€7k€16k▲
Profit (loss) for the period to be appropriated9905€7k€16k▲
Appropriation of the result
Profit (loss) to be appropriated9906€7k€16k▲
Profit (loss) brought forward from the previous period14P€9€94▲
Transfer from equity791/2€353k€280k▼
Transfer to equity691/2€7k€0▼
To other reserves6921€7k€0▼
Profit to be distributed694/7€353k€295k▼
Return on contributions (dividend)694€353k€295k▼
The notes to these accounts (15 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
27-01
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2024
29-12
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
30-06
Financial
Weakest financial yearnet €7k ▼38.8%
Net result drops to €7k, the lowest in the series; recovery starts the following year.
2023
04-12
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2022
20-12
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
03-01
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
30-06
Financial
Highest result since 2018net €700k ▲1%
Operating result €265k, net result €700k, both a record.
30-06
Financial
Equity above €1MEq €1.50M ▲88%
3 profitable years in a row build equity to €1.50M.
2020
17-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Equity above €500kEq €796k ▲678%
2 profitable years in a row build equity to €796k.
08-07
NBB filing
Annual accounts filed
fiscal year 2018 · 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, Ciney · 1 establishment unit since 2018
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 Somlette(Leignon) 645590 CineyGround area
1,285 m²
Building footprint
184 m²
Parcel 91079B0146/00W000, Wallonia. Linked by address, not a title deed.
1 establishment unit
CAPMA
since 20182.273.045.342
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91079B0146/00W000 | Wallonia | 1,285 m² | 1 · 184 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.
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Of 82,201 companies in sector 70200 we hold annual accounts for 52,400. 30,421 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-02-2018
Fiscal year end30-06
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
64200Holdings
64210Activities of holding companies
70210Activities of head offices; management consultancy activities
71121Engineering and related technical consultancy, excluding land surveyors
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.