CARACTER INTERNATIONAL
ActiveCARACTER INTERNATIONAL has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €286k and a net result of €15k. Equity is growing by ~25.1% per year across the filed fiscal years. Its solvency ranks better than 95% of 8002 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
93
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability75=
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 29.55 against 8.64 in 2024; short-term debt: 3.4% and cash: 82.2% of total assets), and 3.4% 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 · 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
96.6%
Return on assets
5.2%
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 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 10 filingsDeviation from the deadline
2025
28 d late
2024
1 d early
2023
31 d late
2022
70 d late
2021
31 d late
2020
34 d late
2019
2 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€286k▲ 5.7%
2024 · €271k
2018: €19k
2019: €36k
2020: €48k
2021: €131k
2022: €220k
2023: €256k
2024: €271k
2018 → 2025
Total assets
€296k▼ 3.1%
2024 · €305k
2018: €73k
2019: €87k
2020: €89k
2021: €180k
2022: €241k
2023: €288k
2024: €305k
2018 → 2025
Net result
€15k▲ 5.3%
2024 · €15k
2018: €26k
2019: €17k
2020: €12k
2021: €83k
2022: €89k
2023: €36k
2024: €15k
2018 → 2025
Working capital
€284k▲ 6.5%
2024 · €266k
2018: €-13k
2019: €16k
2020: €36k
2021: €119k
2022: €210k
2023: €249k
2024: €266k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€131k-€220k▲ 67.5%€256k▲ 16.4%€271k▲ 5.7%€286k▲ 5.7%
Operating result€124k-€133k▲ 7.1%€52k▼ 60.6%€21k▼ 59.3%€20k▼ 7.4%
Net result€83k-€89k▲ 6.9%€36k▼ 59.3%€15k▼ 59.4%€15k▲ 5.3%
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 has fallen three years in a row; 2025 is 7% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €296k
Fixed assets
€2k▼ 46.1%
Current assets
€294k▼ 2.5%
Equity and liabilities €296k
Equity
€286k▲ 5.7%
Debt
€10k▼ 71.5%
The debt ratio falls from 11.4% to 3.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€22k▼
2024 · €24k
Cash flow
€17k▲
2024 · €17k
Solvency
96.6%▲
2024 · 88.6%
Current ratio
29.55▲
2024 · 8.64
Quick ratio
29.55▲
2024 · 8.64
Debt / equity
0.03▼
2024 · 0.13
ROE
5.4%▼
2024 · 5.4%
ROA
5.2%▲
2024 · 4.8%
Interest coverage
62.79▲
2024 · 33.30
Debt
€10k▼
2024 · €35k
Debt ≤ 1 year
€10k▼
2024 · €35k
Income taxes
€7k▼
2024 · €8k
Staff costs
€8k▼
2024 · €11k
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€305k€296k▼
Fixed assets21/28€4k€2k▼
Tangible fixed assets22/27€4k€2k▼
Plant, machinery and equipment23€4k€2k▼
Current assets29/58€301k€294k▼
Amounts receivable within one year40/41€70k€50k▼
Trade receivables40€36k€0▼
Other amounts receivable41€34k€50k▲
Current investments50/53€0-
Cash at bank and in hand54/58€180k€243k▲
Deferred charges and accrued income490/1€51k€544▼
Equity and liabilities
Total equity and liabilities10/49€305k€296k▼
Equity10/15€271k€286k▲
Contributions10/11€19k€19k=
Outside capital11€19k€19k=
Other1109/19€19k€19k=
Reserves13€252k€267k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€5k€5k=
Distributable reserves133€245k€260k▲
Amounts payable17/49€35k€10k▼
Amounts payable within one year42/48€35k€10k▼
Trade debts44€3k€3k▼
Suppliers440/4€3k€3k▼
Taxes, remuneration and social security45€32k€7k▼
Taxes450/3€29k€2k▼
Remuneration and social security454/9€3k€5k▲
Other amounts payable47/48€0-
Income statement
Code20242025
Remuneration, social security and pensions62€11k€8k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€2k▼
Other operating charges640/8€1k€852▼
Gross operating margin9900€36k€31k▼
Operating profit (loss)9901€21k€20k▼
Financial income75/76B€2k€3k▲
Recurring financial income75€2k€3k▲
Financial charges65/66B€725€347▼
Recurring financial charges65€725€347▼
Profit (loss) for the period before taxes9903€22k€23k▲
Income taxes67/77€8k€7k▼
Profit (loss) for the period9904€15k€15k▲
Profit (loss) for the period to be appropriated9905€15k€15k▲
Appropriation of the result
Profit (loss) to be appropriated9906€15k€15k▲
Transfer to equity691/2€15k€15k▲
To other reserves6921€15k€15k▲
The notes to these accounts (14 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
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 28 days late
2025
31-12
Financial
Liquidity triplescurrent ratio 29.55
Current ratio from 8.64 to 29.55; short-term debt falls from €35k to €10k.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
09-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 70 days late
2022
31-12
Financial
Highest result since 2018net €89k ▲6.9%
Operating result €133k, net result €89k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 11.14
Current ratio from 3.44 to 11.14; short-term debt falls from €49k to €21k.
31-12
Financial
Equity above €200kEq €220k ▲67.5%
5 profitable years in a row build equity to €220k.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Equity above €100kEq €131k ▲171%
4 profitable years in a row build equity to €131k.
03-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 34 days late
2020
31-12
Financial
Weakest financial yearnet €12k ▼30.8%
Net result drops to €12k, the lowest in the series; recovery starts the following year.
29-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
05-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 5 days late
2018
29-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 29 days late
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2016 · 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, Schilde · 1 establishment unit since 2014
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.
Turnhoutsebaan 102970 SchildeGround area
1,323 m²
Building footprint
222 m²
Volume, LiDAR
1,738 m³
Parcel 11922C0613/00D005, Flanders · tallest building 10.4 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Turnhoutsebaan 10, 2970 Schilde
since 20142.242.136.786
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11922C0613/00D005 | Flanders | 1,323 m² | 1 · 221 m² | 10.4 m · 3 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.
Recognitions · licences · registrations
Legal Entity Identifier
984500C7D9075B398510
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Of 2,124 companies in sector 46500 we hold annual accounts for 1,404. 1,070 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formCoöperatieve vennootschap met beperkte aansprakelijkheid
Founded27-04-2004
Fiscal year end31-12
Activities, NACEBEL
46500Wholesale of information and communication equipment
46510Wholesale trade
70200Business and other management consultancy
62020IT consultancy
62200Computer consultancy and computer facilities management
68110Buying and selling of own real estate
70120
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 23-09-2026. Scores and ratios are computed by Checked and are not a credit decision.