CATHECT
ActiveCATHECT is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €98k and a net result of €42k. Equity is growing by ~30.3% per year across the filed fiscal years. Its solvency ranks better than 82% of 7971 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 17-07-2026, 14 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
14 d early
2024
1 d early
2023
34 d early
2022
41 d early
2021
25 d early
2020
31 d late
2019
82 d late
← 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€98k▲ 32.3%
2024 · €74k
2019: €24k
2020: €26k
2021: €13k
2022: €32k
2023: €50k
2024: €74k
2019 → 2025
Net result
€42k▲ 76.7%
2024 · €24k
2019: €18k
2020: €2k
2021: €4k
2022: €13k
2023: €18k
2024: €24k
2019 → 2025
Total assets
€115k▲ 16.4%
2024 · €99k
2019: €42k
2020: €36k
2021: €60k
2022: €78k
2023: €80k
2024: €99k
2019 → 2025
Solvency
84.8%▲ 10.1pp
2024 · 74.6%
2019: 56.9%
2020: 72.6%
2021: 22.2%
2022: 41.3%
2023: 62.6%
2024: 74.6%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€13k-€32k▲ 141%€50k▲ 55.1%€74k▲ 48.1%€98k▲ 32.3%
Operating result€7k-€20k▲ 181%€26k▲ 28.8%€34k▲ 32.7%€60k▲ 77.3%
Net result€4k-€13k▲ 246%€18k▲ 40.2%€24k▲ 35.3%€42k▲ 76.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 77% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €115k
Fixed assets
€33k▲ 16.8%
Current assets
€82k▲ 16.3%
Equity and liabilities €115k
Equity
€98k▲ 32.3%
Debt
€18k▼ 30.1%
The debt ratio falls from 25.4% to 15.2%: equity grows while debt is paid down.
Key figures and ratios
Solvency
84.8%▲
2024 · 74.6%
ROE
43.4%▲
2024 · 32.5%
ROA
36.8%▲
2024 · 24.2%
Debt
€18k▼
2024 · €25k
Debt ≤ 1 year
€18k▼
2024 · €25k
Income taxes
€18k▲
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€99k€115k▲
Fixed assets21/28€28k€33k▲
Intangible fixed assets21€957€677▼
Tangible fixed assets22/27€27k€32k▲
Plant, machinery and equipment23€5k€4k▼
Furniture and vehicles24€8k€11k▲
Other tangible fixed assets26€14k€17k▲
Current assets29/58€71k€82k▲
Amounts receivable within one year40/41€62k€21k▼
Trade receivables40€62k€19k▼
Other amounts receivable41€6€3k▲
Cash at bank and in hand54/58€4k€58k▲
Deferred charges and accrued income490/1€5k€3k▼
Equity and liabilities
Total equity and liabilities10/49€99k€115k▲
Equity10/15€74k€98k▲
Contributions10/11€19k€1k▼
Reserves13€55k€97k▲
Distributable reserves133€55k€97k▲
Profit (loss) carried forward14-€0
Amounts payable17/49€25k€18k▼
Amounts payable within one year42/48€25k€18k▼
Financial debts43€852€1k▲
Credit institutions430/8€852€1k▲
Trade debts44€8k€5k▼
Suppliers440/4€8k€5k▼
Taxes, remuneration and social security45€11k€11k▲
Taxes450/3€11k€11k▲
Other amounts payable47/48€6k€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€4k▲
Other operating charges640/8€400€404▲
Gross operating margin9900€37k€64k▲
Operating profit (loss)9901€34k€60k▲
Financial income75/76B€157€6▼
Recurring financial income75€157€6▼
Financial charges65/66B€117€134▲
Recurring financial charges65€117€134▲
Profit (loss) for the period before taxes9903€34k€60k▲
Income taxes67/77€10k€18k▲
Profit (loss) for the period9904€24k€42k▲
Profit (loss) for the period to be appropriated9905€24k€42k▲
Appropriation of the result
Profit (loss) to be appropriated9906€24k€42k▲
Transfer from equity791/2-€899
Transfer to equity691/2€24k€42k▲
To other reserves6921€24k€42k▲
Profit to be distributed694/7-€899
Return on contributions (dividend)694-€899
The notes to these accounts (12 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
17-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2019net €42k ▲76.7%
Operating result €60k, net result €42k, both a record.
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
20-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
06-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Weakest financial yearnet €2k ▼89.9%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
21-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 82 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
5 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, Kampenhout · 1 establishment unit since 2018
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.
Kampenhoutsevoetweg 91910 KampenhoutGround area
2,349 m²
Building footprint
291 m²
Volume, LiDAR
1,093 m³
2 parcels, Flanders · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CATHECT
since 20182.275.906.644
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23008B0325/00B000 | Flanders | 1,555 m² | 1 · 176 m² | 8.8 m · 1 fl. |
| 23065B0133/00V004 | Flanders | 793 m² | 1 · 115 m² | 8.3 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 24,640 companies in sector 64210 we hold annual accounts for 19,693. 12,233 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded19-04-2018
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
70200Business and other management consultancy
70210Activities of head offices; management consultancy activities
70220Business consulting
73300Public relations and communication consultancy
82990Other business support services
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.