Caroline Kustermans
ActiveSummary
Caroline Kustermans has been active since 2025 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €23k and a net result of €18k. Its solvency ranks better than 54% of 7750 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
84
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability100
Solvency81
Growth-
Track record67
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 2.29; short-term debt: 43.7% and cash: 85.4% of total assets), and 43.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
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 82
Relative position
BE, all sectors
reference
Sector 82
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
56.3%
Return on assets
44.1%
Age of the figures
9 mo
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 17-06-2026, 44 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2025
44 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2025, micro schema
Equity
€23k
Total assets
€41k
Net result
€18k
Working capital
€23k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Equity and liabilities €41k
Equity
€23k
Debt
€18k
Debt finances 43.7% of the balance-sheet total.
Key figures and ratios
Current ratio
2.29
Debt to equity
0.77
ROE
78.2%
ROA
44.1%
Debt ≤ 1 year
€18k
Income taxes
€5k
Filed annual accounts As filed with the NBB · 2025 · 35 lines
Balance sheet
Code2025
Assets
Total assets20/58€41k
Current assets29/58€41k
Amounts receivable within one year40/41€4k
Trade receivables40€4k
Other amounts receivable41€46
Cash at bank and in hand54/58€35k
Deferred charges and accrued income490/1€2k
Equity and liabilities
Total equity and liabilities10/49€41k
Equity10/15€23k
Contributions10/11€5k
Reserves13€18k
Distributable reserves133€18k
Amounts payable17/49€18k
Amounts payable within one year42/48€18k
Financial debts43€7
Credit institutions430/8€7
Trade debts44€2
Suppliers440/4€2
Taxes, remuneration and social security45€13k
Taxes450/3€13k
Other amounts payable47/48€5k
Income statement
Code2025
Other operating charges640/8€9k
Gross operating margin9900€33k
Operating profit (loss)9901€24k
Financial income75/76B€24
Recurring financial income75€24
Financial charges65/66B€527
Recurring financial charges65€527
Profit (loss) for the period before taxes9903€23k
Income taxes67/77€5k
Profit (loss) for the period9904€18k
Profit (loss) for the period to be appropriated9905€18k
Appropriation of the result
Profit (loss) to be appropriated9906€18k
Transfer to equity691/2€18k
To the legal reserve6920€18k
The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
17-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
04-08
State Gazette act
Shareholder decision · Director appointment
Permanent representative
04-08
State Gazette act
General meeting · Director appointment
Permanent representative
State Gazette actNBB filing
Directors · office · real estate
Directors
1 act for this company is 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, Antwerpen · 1 establishment unit since 2025
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.
Oranjestraat 492060 AntwerpenGround area
586 m²
Building footprint
243 m²
Volume, LiDAR
1,341 m³
Parcel 11807G0193/00C011, Flanders · tallest building 13.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Caroline Kustermans
since 20252.374.640.568
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11807G0193/00C011 | Flanders | 586 m² | 1 · 243 m² | 12.9 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.
Structure & network
Ownership & control
1 board mandateBoard mandates of this companythis company sits on their board1
5 locations
Similar companies · same sector, comparable size
Subay
BE 1000.363.176
Zele · Eq €22,984
Notariële Bestuursvennootschap Jan Michiels
BE 1016.707.379
Aarschot · Eq €22,968
BRUGDIS
BE 0597.958.478
Sint-Lambrechts-Woluwe · Eq €23,019
PManagement
BE 1007.583.144
Profondeville · Eq €23,020
RW Solutions
BE 1004.399.663
Deinze · Eq €23,031
Of 24,500 companies in sector 82990 we hold annual accounts for 9,404. 6,024 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded12-06-2025
Fiscal year end31-12
Activities, NACEBEL 2025
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.