Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of Caroline Modave is 1.9% (moderate). The 2025 annual accounts show equity of €93k and a net result of €143k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 44% of 31 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 5 annual accounts.
Signals
1 signal · with evidenceSignals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Trust signals
3 signalsAdministrative Flags
0 eventsBankruptcy probability (12 mo)
Checked model v1 · free for everyoneStatistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Financials
Annual accounts & ratios
Source: NBB · 2025How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 23.2% | 28.4% | |
| Net result | €143k | €33k | |
| Equity | €93k | €57k | |
| Total assets | €402k | €462k |
| Fiscal year | 2025 |
|---|---|
| Revenue | - |
| EBITDA | €192k |
| Net profit | €143k |
| Cash flow | €145k |
| Staff costs | - |
| Income taxes | €46k |
| Dividends | €233k |
| Total assets | €402k |
| Equity | €93k |
| Debt | €309k |
| of which ≤ 1y | €309k |
| of which > 1y | - |
| Working capital | €92k |
| Employees (FTE) | - |
| 2025 | |
|---|---|
| Current ratio | 1.30 |
| Quick ratio | 1.30 |
| Working capital ratio | 22.9% |
| Solvency | 23.2% |
| Debt / equity | 3.31 |
| Long-term debt ratio | - |
| Interest coverage | 825.84 |
| Gross margin | - |
| Net margin | - |
| ROA | 35.6% |
| ROE | 153.3% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €402k |
| Fixed assets | 21/28 | €1k |
| Tangible fixed assets | 22/27 | €1k |
| Current assets | 29/58 | €401k |
| Amounts receivable within one year | 40/41 | €36k |
| Investments | 50/53 | €200k |
| Cash & bank | 54/58 | €165k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €402k |
| Equity | 10/15 | €93k |
| Contributions / capital | 10/11 | €2k |
| Reserves | 13 | €90k |
| Accumulated profits (losses) | 14 | €2k |
| Amounts payable | 17/49 | €309k |
| Amounts payable within one year | 42/48 | €309k |
| Trade debts payable within one year | 44 | €318 |
| Income statement | ||
| Gross operating margin | 9900 | €192k |
| Operating result | 9901 | €190k |
| Financial charges | 65 | €232 |
| Result before taxes | 9903 | €189k |
| Income taxes | 67/77 | €46k |
| Net result for the period | 9904 | €143k |
| Result to be appropriated | 9905 | €143k |
Health barometer
FY 2025 · computedUnlock the full score breakdown, per-year score history and the indicative credit limit with Plus.
See plans →Structure & network
Locations & real estate
Establishment units
1 locationReal-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21332B0494/00B005 | Brussels | 378 m² | 1 · 79 m² | 12.2 m · 3 fl. |
Analysis
Snowflake analysis
financial profile on 5 axesExceptional profile, strong across almost every axis.
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Credit advice
verdict per customer and amountSimilar
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Company registry (CBE)
Crossroads Bank| Legal nameFR | Caroline Modave |