CATPARTNERS
ActiveSummary
CATPARTNERS has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €12k and a net result of €-6k. Equity is shrinking by ~11.7% per year across the filed fiscal years. Its solvency ranks better than 17% of 9982 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 1.5% (low).
Checked score
Score 2024
Axes · tick = 2023
Profitability26▼-19
Solvency34▼-2
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
1.5%
Low
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Liquidity tight (current ratio 1.1 against 1.12 in 2023; short-term debt: 91.2% and cash: 0% of total assets), and 91.2% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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
Construction of residential and non-residential buildings (NACE 41)
about 67% more bankruptcies
← 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 2024Solvency, return and age of the figures
Solvency
8.8%
Return on assets
-4.8%
Age of the figures
21 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 17% of 9982 sector peers (2024).
NBB · sector comparisonPosition among 9982 sector peers
Solvency
better than 17%
← weakest
strongest →
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-09-2025, 60 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 · 9 filingsDeviation from the deadline
2025
not confirmed
2024
60 d late
2023
65 d late
2022
134 d late
2021
74 d late
2020
88 d late
2019
118 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€12k▼ 35.3%
2023 · €18k
2018: €25k
2019: €25k▲ +1.4% vs 2018highest in 7 years
2020: €13k▼ -49.9% vs 2019
2021: €15k▲ +17.0% vs 2020
2022: €13k▼ -12.0% vs 2021
2023: €18k▲ +41.0% vs 2022
2024: €12k▼ -35.3% vs 2023lowest in 7 years
2018 → 2024
Total assets
€134k▼ 20.7%
2023 · €169k
2018: €63k
2019: €129k▲ +105% vs 2018
2020: €18k▼ -85.8% vs 2019lowest in 7 years
2021: €161k▲ +779% vs 2020
2022: €146k▼ -9.5% vs 2021
2023: €169k▲ +15.4% vs 2022highest in 7 years
2024: €134k▼ -20.7% vs 2023
2018 → 2024
Net result
€-6k
2023 · €5k
2018: €-530
2019: €341▲ +164% vs 2018
2020: €-13k▼ -3770% vs 2019lowest in 7 years
2021: €2k▲ +117% vs 2020
2022: €-2k▼ -183% vs 2021
2023: €5k▲ +399% vs 2022highest in 7 years
2024: €-6k▼ -221% vs 2023
2018 → 2024
Working capital
€12k▼ 35.3%
2023 · €18k
2018: €24k
2019: €25k▲ +3.6% vs 2018highest in 7 years
2020: €13k▼ -49.7% vs 2019
2021: €15k▲ +17.0% vs 2020
2022: €13k▼ -12.0% vs 2021
2023: €18k▲ +41.0% vs 2022
2024: €12k▼ -35.3% vs 2023lowest in 7 years
2018 → 2024
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€13k-€15k▲ 17.0%€13k▼ 12.0%€18k▲ 41.0%€12k▼ 35.3%
2020: €13k
2021: €15k▲ +17.0% vs 2020
2022: €13k▼ -12.0% vs 2021
2023: €18k▲ +41.0% vs 2022highest in 5 years
2024: €12k▼ -35.3% vs 2023lowest in 5 years
Operating result€-10k-€2k€-2k€5k€-6k
2020: €-10klowest in 5 years
2021: €2k▲ +123% vs 2020
2022: €-2k▼ -174% vs 2021
2023: €5k▲ +414% vs 2022highest in 5 years
2024: €-6k▼ -216% vs 2023
Net result€-13k-€2k€-2k€5k€-6k
2020: €-13klowest in 5 years
2021: €2k▲ +117% vs 2020
2022: €-2k▼ -183% vs 2021
2023: €5k▲ +399% vs 2022highest in 5 years
2024: €-6k▼ -221% vs 2023
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2024: a loss of €6k after €5k in 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Equity and liabilities €134k
Equity
€12k ▼ 35.3%
Debt
€122k ▼ 18.9%
Debt's share of the balance-sheet total rises from 89.2% to 91.2%. Equity and debt are lower.
Key figures and ratios
Current ratio
1.10▼
2023 · 1.12
Debt to equity
10.35▲
2023 · 8.26
ROE
-54.5%▼
2023 · 29.1%
ROA
-4.8%▼
2023 · 3.1%
Debt ≤ 1 year
€122k▼
2023 · €150k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 29 lines
Balance sheet
Code20232024
Assets
Total assets20/58€169k€134k▼
Current assets29/58€169k€134k▼
Amounts receivable within one year40/41€168k€134k▼
Trade receivables40€152k€121k▼
Other amounts receivable41€17k€12k▼
Cash at bank and in hand54/58€286€31▼
Equity and liabilities
Total equity and liabilities10/49€169k€134k▼
Equity10/15€18k€12k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€-2k€-9k▼
Amounts payable17/49€150k€122k▼
Amounts payable within one year42/48€150k€122k▼
Trade debts44€9k-
Suppliers440/4€9k-
Advances received on contracts in progress46€141k€122k▼
Income statement
Code20232024
Other operating charges640/8€286€1k▲
Non-recurring operating charges66A€50-
Gross operating margin9900€6k€-5k▼
Operating profit (loss)9901€5k€-6k▼
Financial charges65/66B€124€164▲
Recurring financial charges65€124€164▲
Profit (loss) for the period before taxes9903€5k€-6k▼
Profit (loss) for the period9904€5k€-6k▼
Profit (loss) for the period to be appropriated9905€5k€-6k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-2k€-9k▼
Profit (loss) brought forward from the previous period14P€-8k€-2k▲
The notes to these accounts (3 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €97 | - | - | - | - | - |
| Other operating charges640/8 | - | €727 | €96 | €286 | €1k | ▲ 275% |
| Non-recurring operating charges66A | - | - | - | €50 | - | - |
| Gross operating margin9900 | €-10k | €3k | €-2k | €6k | €-5k | ▼ 190% |
| Operating profit (loss)9901 | €-10k | €2k | €-2k | €5k | €-6k | ▼ 216% |
| Financial income75/76B | - | €31 | €209 | - | - | - |
| Recurring financial income75 | - | €31 | €209 | - | - | - |
| Financial charges65/66B | - | €233 | €256 | €124 | €164 | ▲ 32.2% |
| Recurring financial charges65 | €2k | €233 | €256 | €124 | €164 | ▲ 32.2% |
| Profit (loss) for the period before taxes9903 | €-12k | €2k | €-2k | €5k | €-6k | ▼ 221% |
| Income taxes67/77 | €165 | - | - | - | - | - |
| Profit (loss) for the period9904 | €-13k | €2k | €-2k | €5k | €-6k | ▼ 221% |
| Profit (loss) for the period to be appropriated9905 | €-13k | €2k | €-2k | €5k | €-6k | ▼ 221% |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €18k | €161k | €146k | €169k | €134k | ▼ 20.7% |
| Current assets29/58 | €18k | €161k | €146k | €169k | €134k | ▼ 20.7% |
| Amounts receivable within one year40/41 | €14k | €160k | €146k | €168k | €134k | ▼ 20.5% |
| Trade receivables40 | - | €147k | €127k | €152k | €121k | ▼ 20.0% |
| Other amounts receivable41 | - | €13k | €19k | €17k | €12k | ▼ 25.4% |
| Cash at bank and in hand54/58 | €4k | €15 | €89 | €286 | €31 | ▼ 89.2% |
| Deferred charges and accrued income490/1 | - | €2k | - | - | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €18k | €161k | €146k | €169k | €134k | ▼ 20.7% |
| Equity10/15 | €13k | €15k | €13k | €18k | €12k | ▼ 35.3% |
| Contributions10/11 | - | €19k | €19k | €19k | €19k | = |
| Reserves13 | €2k | €2k | €2k | €2k | €2k | = |
| Non-distributable reserves130/1 | - | €2k | €2k | €2k | €2k | = |
| Reserves not available under the articles1311 | - | €2k | €2k | €2k | €2k | = |
| Profit (loss) carried forward14 | €-8k | €-6k | €-8k | €-2k | €-9k | ▼ 285% |
| Amounts payable17/49 | €6k | €147k | €133k | €150k | €122k | ▼ 18.9% |
| Amounts payable within one year42/48 | €6k | €147k | €133k | €150k | €122k | ▼ 18.9% |
| Trade debts44 | €2k | €6k | €11k | €9k | - | - |
| Suppliers440/4 | - | €6k | €11k | €9k | - | - |
| Advances received on contracts in progress46 | - | €140k | €122k | €141k | €122k | ▼ 13.7% |
| Taxes, remuneration and social security45 | - | €469 | - | - | - | - |
| Taxes450/3 | - | €469 | - | - | - | - |
| Other amounts payable47/48 | - | €439 | - | - | - | - |
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-13k | €2k | €-2k | €5k | €-6k | ▼ 221% |
| + Depreciation and write-downs630 | €97 | - | - | - | - | - |
| Operating cash flow (approximation) | €-12k | €2k | €-2k | €5k | €-6k | ▼ 221% |
| Change in cash | - | €-4k | €74 | €197 | €-255 | ▼ 229% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
2025
29-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 60 days late
2024
04-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 65 days late
2023
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
12-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 134 days late
2022
13-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 74 days late
2021
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
27-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 88 days late
2020
31-12
Financial
Weakest financial yearnet €-13k
Net result drops to €-13k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity triplescurrent ratio 3.16
Current ratio from 1.24 to 3.16; short-term debt falls from €104k to €6k.
26-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 118 days late
2019
31-12
Financial
Back to profitnet €341
Net result €341 after one loss-making year.
03-10
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 64 days late
2018
03-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 64 days late
2017
16-11
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 108 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Mouscron · 1 establishment unit since 2015
Ground area
4,442 m²
Building footprint
1,392 m²
Volume, LiDAR
570 m³
2 parcels, Wallonia · tallest building 7.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
CATPARTNERS
since 20152.242.327.521
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 54007B0412/00N000 | Wallonia | 2,422 m² | 1 · 1,224 m² | - |
| 54435D0390/00E003 | Wallonia | 2,020 m² | 1 · 167 m² | 7.5 m · 1 fl. |
Linked by address, not proof of ownership
Good to know
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 29,779 companies in sector 41001 we hold annual accounts for 16,044. 9,891 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company (pre-2019)
Founded14-04-2015
Fiscal year end31-12
Activities, NACEBEL 2025
41001General construction of residential buildings
Contact
E-mail
catrenovation@gmx.fr
Scores and ratios are computed by Checked and are not a credit decision.