CAPPELLE
ActiveCAPPELLE has been active since 1988 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3.67M and a net result of €132k. Equity is growing by ~4.9% per year across the filed fiscal years. Its solvency ranks better than 95% of 10345 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability73=
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €290k at 30 days acceptable
Liquidity ample (current ratio 49.7; short-term debt: 1.9% and cash: 0.9% of total assets), and 1.9% 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+raises risk○neutral
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
98.1%
Return on assets
3.5%
Age of the figures
9 mo
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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 12-06-2026, 49 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
49 d early
2024
38 d early
2023
43 d early
2022
52 d early
2021
55 d early
2020
39 d early
2019
37 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, abbreviated schema
Equity
€3.67M▲ 3.7%
2024 · €3.54M
2018: €2.61M
2019: €2.75M
2020: €2.92M
2021: €3.09M
2022: €3.28M
2023: €3.42M
2024: €3.54M
2018 → 2025
Total assets
€3.74M▲ 5.2%
2024 · €3.56M
2018: €2.71M
2019: €2.91M
2020: €3.54M
2021: €3.60M
2022: €3.57M
2023: €3.46M
2024: €3.56M
2018 → 2025
Net result
€132k▲ 6.3%
2024 · €124k
2018: €116k
2019: €137k
2020: €168k
2021: €171k
2022: €193k
2023: €135k
2024: €124k
2018 → 2025
Working capital
€3.47M▲ 3.7%
2024 · €3.34M
2018: €2.56M
2019: €2.70M
2020: €2.83M
2021: €3.01M
2022: €3.21M
2023: €3.28M
2024: €3.34M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€3.09M-€3.28M▲ 6.3%€3.42M▲ 4.1%€3.54M▲ 3.6%€3.67M▲ 3.7%
Operating result€115k-€132k▲ 14.1%€63k▼ 51.8%€21k▼ 66.6%€24k▲ 13.5%
Net result€171k-€193k▲ 12.7%€135k▼ 30.2%€124k▼ 7.9%€132k▲ 6.3%
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 14% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.74M
Fixed assets
€205k▲ 4.2%
Current assets
€3.54M▲ 5.3%
Equity and liabilities €3.74M
Equity
€3.67M▲ 3.7%
Debt
€71k▲ 300%
The debt ratio rises from 0.5% to 1.9%. Equity and debt are higher.
Key figures and ratios
EBITDA
€55k▲
2024 · €47k
Cash flow
€163k▲
2024 · €151k
Solvency
98.1%▼
2024 · 99.5%
Current ratio
49.70
Quick ratio
49.60
Debt / equity
0.02▲
2024 · 0.01
ROE
3.6%▲
2024 · 3.5%
ROA
3.5%▲
2024 · 3.5%
Interest coverage
9.16▲
2024 · 6.85
Debt
€71k▲
2024 · €18k
Debt ≤ 1 year
€71k▲
2024 · €18k
Income taxes
€52k▲
2024 · €50k
Staff costs
€2k▼
2024 · €3k
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€3.56M€3.74M▲
Fixed assets21/28€197k€205k▲
Tangible fixed assets22/27€197k€205k▲
Land and buildings22€155k€157k▲
Plant, machinery and equipment23€271€20k▲
Furniture and vehicles24€42k€29k▼
Current assets29/58€3.36M€3.54M▲
Stocks and contracts in progress3€5k€7k▲
Stocks30/36€5k€7k▲
Amounts receivable within one year40/41€27k€69k▲
Trade receivables40€21k€54k▲
Other amounts receivable41€7k€14k▲
Current investments50/53€3.25M€3.40M▲
Cash at bank and in hand54/58€55k€36k▼
Deferred charges and accrued income490/1€24k€24k▲
Equity and liabilities
Total equity and liabilities10/49€3.56M€3.74M▲
Equity10/15€3.54M€3.67M▲
Contributions10/11€62k€62k=
Reserves13€3.42M€3.55M▲
Tax-exempt reserves132€56k€56k=
Distributable reserves133€3.37M€3.50M▲
Profit (loss) carried forward14€57k€57k=
Amounts payable17/49€18k€71k▲
Amounts payable within one year42/48€18k€71k▲
Trade debts44€13k€67k▲
Suppliers440/4€13k€67k▲
Taxes, remuneration and social security45€5k€4k▼
Remuneration and social security454/9€5k€4k▼
Income statement
Code20242025
Non-recurring operating income76A€182-
Remuneration, social security and pensions62€3k€2k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€26k€31k▲
Other operating charges640/8€6k€6k▲
Gross operating margin9900€56k€64k▲
Operating profit (loss)9901€21k€24k▲
Financial income75/76B€165k€166k▲
Recurring financial income75€165k€166k▲
Financial charges65/66B€11k€6k▼
Recurring financial charges65€7k€6k▼
Non-recurring financial charges66B€5k-
Profit (loss) for the period before taxes9903€175k€184k▲
Income taxes67/77€50k€52k▲
Profit (loss) for the period9904€124k€132k▲
Profit (loss) for the period to be appropriated9905€124k€132k▲
Appropriation of the result
Profit (loss) to be appropriated9906€381k€189k▼
Profit (loss) brought forward from the previous period14P€257k€57k▼
Transfer to equity691/2€324k€132k▼
To other reserves6921€324k€132k▼
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
12-06
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Liquidity doublescurrent ratio 188.71
Current ratio from 80.46 to 188.71; short-term debt falls from €41k to €18k.
18-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Liquidity times 7current ratio 80.46
Current ratio from 12.01 to 80.46; short-term debt falls from €291k to €41k.
09-06
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2018net €193k ▲12.7%
Operating result €132k, net result €193k, both a record.
06-06
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
22-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
24-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
24-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
28-06
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
06-06
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
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, Lichtervelde · 1 establishment unit since 1989
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.
Weststraat 588810 LichterveldeGround area
1,679 m²
Building footprint
213 m²
Volume, LiDAR
1,265 m³
Parcel 36011E0298/00S000, Flanders · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Weststraat 58, 8810 Lichtervelde
since 19892.042.099.527
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36011E0298/00S000 | Flanders | 1,679 m² | 1 · 213 m² | 9.4 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
2025 · 1 entry · 258 EUR awarded · 258 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 258 EUR | 258 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
967600333661214K6465
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Of 3,235 companies in sector 47781 we hold annual accounts for 744. 263 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded23-12-1988
Fiscal year end31-12
Activities, NACEBEL
47781Retail sale of solid, liquid and gaseous fuels, excluding motor fuels
52481
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 37 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.