CATBEL
ActiveThe computed 12-month bankruptcy probability of CATBEL is 4.8% (elevated). The 2025 annual accounts show equity of €18k and a net result of €-2k. Equity is shrinking by ~13% per year across the filed fiscal years. Its solvency ranks better than 54% of 7431 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
51
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability52▲+3
Solvency72▼-12
Growth22=
Track record100
Bankruptcy probability, 12 months
4.8%
Elevated
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Liquidity tight (current ratio 1.47 against 1.51 in 2024; short-term debt: 53% and cash: 22.4% of total assets), and 53% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
47%
Return on assets
-5.6%
Age of the figures
18 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
22232425
2022 to 2025 · latest year €-2k
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 25-09-2025, 36 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
36 d early
2024
31 d early
2023
32 d early
2022
23 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close21-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Turnover
€206k▲ 23.6%
2024 · €166k
2022: €1.27M
2023: €337k
2024: €166k
2022 → 2025
EBIT margin
-0.2%▲ 1.1pp
2024 · -1.3%
2022: 2.4%
2023: -1.4%
2024: -1.3%
2022 → 2025
Net result
€-2k▲ 25.0%
2024 · €-3k
2022: €23k
2023: €-5k
2024: €-3k
2022 → 2025
Working capital
€10k▲ 35.8%
2024 · €7k
2022: €21k
2023: €20k
2024: €7k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Turnover€1.27M-€337k▼ 73.5%€166k▼ 50.6%€206k▲ 23.6%
Equity€28k-€23k▼ 17.7%€21k▼ 12.4%€18k▼ 10.6%
Operating result€31k-€-5k€-2k▲ 56.3%€-375▲ 82.3%
Net result€23k-€-5k€-3k▲ 42.2%€-2k▲ 25.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €375 in 2025 against €2k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €39k
Fixed assets
€9k▼ 35.3%
Current assets
€30k▲ 43.0%
Equity and liabilities €39k
Equity
€18k▼ 10.6%
Debt
€21k▲ 46.7%
The debt ratio rises from 40.7% to 53.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€6k▲
2024 · €5k
Cash flow
€5k▲
2024 · €4k
Solvency
47.0%▼
2024 · 59.3%
Current ratio
1.47▼
2024 · 1.51
Quick ratio
1.47▼
2024 · 1.51
Debt / equity
1.13▲
2024 · 0.69
ROE
-11.9%▲
2024 · -14.2%
ROA
-5.6%▲
2024 · -8.4%
Interest coverage
37.97▲
2024 · 23.31
Debt
€21k▲
2024 · €14k
Debt ≤ 1 year
€21k▲
2024 · €14k
Income taxes
€2k▲
2024 · €601
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€35k€39k▲
Fixed assets21/28€13k€9k▼
Tangible fixed assets22/27€13k€9k▼
Furniture and vehicles24€13k€9k▼
Current assets29/58€21k€30k▲
Amounts receivable within one year40/41€21k€21k▲
Trade receivables40€14k€14k▼
Other amounts receivable41€6k€8k▲
Cash at bank and in hand54/58€447€9k▲
Deferred charges and accrued income490/1€98€213▲
Equity and liabilities
Total equity and liabilities10/49€35k€39k▲
Equity10/15€21k€18k▼
Contributions10/11€5k€5k=
Profit (loss) carried forward14€16k€13k▼
Amounts payable17/49€14k€21k▲
Amounts payable within one year42/48€14k€21k▲
Trade debts44€11k€13k▲
Suppliers440/4€11k€13k▲
Taxes, remuneration and social security45€4k€8k▲
Taxes450/3€4k€2k▼
Remuneration and social security454/9-€6k
Income statement
Code20242025
Turnover70€166k€206k▲
Non-recurring operating income76A€4k€2k▼
Goods, raw materials, services and sundry goods60/61€165k€200k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k▲
Other operating charges640/8€644€899▲
Gross operating margin9900€5k€7k▲
Operating profit (loss)9901€-2k€-375▲
Financial charges65/66B€194€169▼
Recurring financial charges65€194€169▼
Profit (loss) for the period before taxes9903€-2k€-544▲
Income taxes67/77€601€2k▲
Profit (loss) for the period9904€-3k€-2k▲
Profit (loss) for the period to be appropriated9905€-3k€-2k▲
Appropriation of the result
Profit (loss) to be appropriated9906€16k€13k▼
Profit (loss) brought forward from the previous period14P€18k€16k▼
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
2025
25-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
29-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-03
Financial
Weakest financial yearnet €-5k ▼121%
Net result drops to €-5k, the lowest in the series; recovery starts the following year.
2022
08-10
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
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, Koekelberg · 1 establishment unit since 2020
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.
Veiligheidsstraat 451081 KoekelbergGround area
130 m²
Building footprint
77 m²
Volume, LiDAR
887 m³
Parcel 21492B0306/00T002, Brussels · tallest building 14.1 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
CATBEL
since 20202.307.012.267
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21492B0306/00T002 | Brussels | 130 m² | 1 · 77 m² | 14.1 m · 4 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
2549004ZXJ9LH584C425
Similar companies · same sector, comparable size
Bouwwerken Bart Jacobs
BE 0645.743.054
Lier · Eq €18k
GYPROART
BE 1007.317.086
Buggenhout · Eq €18k
JEAN YVES POUPAERT
BE 1016.230.101
Zulte · Eq €18k
ACN CONSTRUCT
BE 0798.349.194
Wezembeek-Oppem · Eq €18k
RED1 VOIRIE
BE 0793.586.890
Sint-Pieters-Leeuw · Eq €18k
Of 29,801 companies in sector 41001 we hold annual accounts for 16,045. 11,317 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded31-07-2020
Fiscal year end31-03
Activities, NACEBEL
41001General construction of residential buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 4 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.