CAPTO CONSULTING
ActiveCAPTO CONSULTING has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €15k and a net result of €13k. Equity is growing by ~15.9% per year across the filed fiscal years. Its solvency ranks better than 16% of 16941 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
65
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability82▼-12
Solvency37▼-56
Growth32▼-20
Track record94
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity short (current ratio 0.97 against 3.65 in 2024; short-term debt: 84.1% and cash: 65.9% of total assets), and 88.1% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
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 · 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
11.9%
Return on assets
10.3%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 16% of 16941 sector peers (2025).
NBB · sector comparisonPosition among 16941 sector peers
Solvency
better than 16%
← weakest
strongest →
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 22-04-2026, 100 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
100 d early
2024
37 d early
2023
104 d early
2022
26 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€15k▼ 85.8%
2024 · €104k
2022: €45k
2023: €73k
2024: €104k
2022 → 2025
Total assets
€124k▼ 18.8%
2024 · €153k
2022: €120k
2023: €136k
2024: €153k
2022 → 2025
Net result
€13k▼ 58.4%
2024 · €31k
2022: €43k
2023: €29k
2024: €31k
2022 → 2025
Working capital
€-4k
2024 · €84k
2022: €32k
2023: €52k
2024: €84k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€45k-€73k▲ 64.4%€104k▲ 41.8%€15k▼ 85.8%
Operating result€55k-€38k▼ 30.3%€42k▲ 8.9%€21k▼ 49.6%
Net result€43k-€29k▼ 32.5%€31k▲ 6.7%€13k▼ 58.4%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 50% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €124k
Fixed assets
€23k▼ 37.8%
Current assets
€101k▼ 12.6%
Equity and liabilities €124k
Equity
€15k▼ 85.8%
Debt
€109k▲ 124%
The debt ratio rises from 31.9% to 88.1%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€38k▼
2024 · €63k
Cash flow
€30k▼
2024 · €52k
Solvency
11.9%▼
2024 · 68.1%
Current ratio
0.97▼
2024 · 3.65
Quick ratio
0.97▼
2024 · 3.65
Debt / equity
7.42▲
2024 · 0.47
ROE
86.4%▲
2024 · 29.5%
ROA
10.3%▼
2024 · 20.1%
Interest coverage
12.64▼
2024 · 143.70
Debt
€109k▲
2024 · €49k
Debt ≤ 1 year
€104k▲
2024 · €32k
Debt > 1 year
€5k▼
2024 · €17k
Income taxes
€5k▼
2024 · €10k
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€153k€124k▼
Fixed assets21/28€38k€23k▼
Tangible fixed assets22/27€38k€23k▼
Furniture and vehicles24€30k€20k▼
Other tangible fixed assets26€7k€4k▼
Current assets29/58€115k€101k▼
Amounts receivable within one year40/41€13k€17k▲
Trade receivables40€13k€16k▲
Other amounts receivable41€250€2k▲
Cash at bank and in hand54/58€100k€82k▼
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€153k€124k▼
Equity10/15€104k€15k▼
Contributions10/11€2k€2k=
Reserves13€102k€13k▼
Distributable reserves133€102k€13k▼
Profit (loss) carried forward14-€0
Amounts payable17/49€49k€109k▲
Amounts payable after more than one year17€17k€5k▼
Financial debts170/4€17k€5k▼
Amounts payable within one year42/48€32k€104k▲
Current portion of amounts payable after more than one year42€13k€12k▼
Financial debts43€0-
Credit institutions430/8€0-
Trade debts44€789€3k▲
Suppliers440/4€789€3k▲
Taxes, remuneration and social security45€18k€10k▼
Taxes450/3€18k€10k▼
Other amounts payable47/48-€79k
Accrued charges and deferred income492/3€353€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€17k▼
Other operating charges640/8€976€1k▲
Gross operating margin9900€64k€39k▼
Operating profit (loss)9901€42k€21k▼
Financial income75/76B€0€0▼
Recurring financial income75€0€0▼
Financial charges65/66B€435€3k▲
Recurring financial charges65€435€3k▲
Profit (loss) for the period before taxes9903€41k€18k▼
Income taxes67/77€10k€5k▼
Profit (loss) for the period9904€31k€13k▼
Profit (loss) for the period to be appropriated9905€31k€13k▼
Appropriation of the result
Profit (loss) to be appropriated9906€31k€13k▼
Transfer from equity791/2-€102k
Transfer to equity691/2€31k€13k▼
To other reserves6921€31k€13k▼
Profit to be distributed694/7-€102k
Return on contributions (dividend)694-€102k
The notes to these accounts (6 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
22-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €13k ▼58.4%
Net result drops to €13k, the lowest in the series.
24-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €100kEq €104k ▲41.8%
3 profitable years in a row build equity to €104k.
18-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro 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, Sint-Katelijne-Waver · 1 establishment unit since 2022
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.
Gerststraat 42861 Sint-Katelijne-WaverGround area
684 m²
Building footprint
144 m²
Volume, LiDAR
681 m³
Parcel 12027C0123/00C003, Flanders · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Capto Consulting
since 20222.330.526.057
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 12027C0123/00C003 | Flanders | 684 m² | 1 · 144 m² | 8.0 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.
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Of 29,992 companies in sector 62200 we hold annual accounts for 18,386. 11,605 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-04-2022
Fiscal year end31-12
Activities, NACEBEL
62020IT consultancy
62200Computer consultancy and computer facilities management
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.