Catriona
ActiveCatriona has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €87k and a net result of €31k. Equity is growing by ~8.5% per year across the filed fiscal years. Its solvency ranks better than 64% of 2027 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
90
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability96▲+19
Solvency86▼-5
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 2.48 against 2.8 in 2024; short-term debt: 38.7% and cash: 58.5% of total assets), and 38.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 85
Relative position
BE, all sectors
reference
Sector 85
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
61.3%
Return on assets
21.5%
Age of the figures
12 mo
neutral · Filed after the deadline
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 05-06-2026, 36 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 · 7 filingsDeviation from the deadline
2025
36 d late
2024
16 d late
2023
4 d early
2022
13 d early
2021
51 d late
2020
17 d late
2019
29 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
16-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€87k▼ 15.9%
2024 · €104k
2019: €67k
2020: €50k
2021: €67k
2022: €89k
2023: €93k
2024: €104k
2019 → 2025
Total assets
€142k▼ 9.9%
2024 · €158k
2019: €136k
2020: €102k
2021: €117k
2022: €132k
2023: €135k
2024: €158k
2019 → 2025
Net result
€31k▲ 200%
2024 · €10k
2019: €54k
2020: €-17k
2021: €17k
2022: €23k
2023: €4k
2024: €10k
2019 → 2025
Working capital
€81k▼ 16.9%
2024 · €98k
2019: €35k
2020: €43k
2021: €68k
2022: €81k
2023: €87k
2024: €98k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€67k-€89k▲ 33.9%€93k▲ 4.5%€104k▲ 10.9%€87k▼ 15.9%
Operating result€18k-€31k▲ 75.5%€16k▼ 46.7%€22k▲ 36.1%€51k▲ 130%
Net result€17k-€23k▲ 33.9%€4k▼ 82.1%€10k▲ 151%€31k▲ 200%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 130% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €142k
Fixed assets
€6k▼ 0.2%
Current assets
€136k▼ 10.3%
Equity and liabilities €142k
Equity
€87k▼ 15.9%
Debt
€55k▲ 1.6%
The debt ratio rises from 34.3% to 38.7%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€53k▲
2024 · €24k
Cash flow
€32k▲
2024 · €12k
Solvency
61.3%▼
2024 · 65.7%
Current ratio
2.48▼
2024 · 2.80
Quick ratio
2.48▼
2024 · 2.80
Debt / equity
0.63▲
2024 · 0.52
ROE
35.0%▲
2024 · 9.8%
ROA
21.5%▲
2024 · 6.5%
Interest coverage
55.31▲
2024 · 37.12
Debt
€55k▲
2024 · €54k
Debt ≤ 1 year
€55k▲
2024 · €54k
Income taxes
€21k▲
2024 · €12k
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€158k€142k▼
Fixed assets21/28€6k€6k▼
Tangible fixed assets22/27€6k€6k▼
Plant, machinery and equipment23€2k€1k▼
Other tangible fixed assets26€4k€4k▲
Current assets29/58€152k€136k▼
Amounts receivable within one year40/41€27k€23k▼
Trade receivables40€17k€22k▲
Other amounts receivable41€10k€1k▼
Current investments50/53€30k€30k▼
Cash at bank and in hand54/58€95k€83k▼
Deferred charges and accrued income490/1€0-
Equity and liabilities
Total equity and liabilities10/49€158k€142k▼
Equity10/15€104k€87k▼
Contributions10/11€12k€12k=
Reserves13€91k€75k▼
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Tax-exempt reserves132€12k€12k=
Distributable reserves133€78k€61k▼
Profit (loss) carried forward14-€0
Amounts payable17/49€54k€55k▲
Amounts payable within one year42/48€54k€55k▲
Financial debts43€8k€8k=
Credit institutions430/8€8k€8k=
Trade debts44€13k€3k▼
Suppliers440/4€13k€3k▼
Taxes, remuneration and social security45-€3k
Taxes450/3-€3k
Other amounts payable47/48€33k€42k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▼
Other operating charges640/8€695€2k▲
Gross operating margin9900€25k€55k▲
Operating profit (loss)9901€22k€51k▲
Financial income75/76B€183€704▲
Recurring financial income75€183€704▲
Financial charges65/66B€650€960▲
Recurring financial charges65€650€960▲
Profit (loss) for the period before taxes9903€22k€51k▲
Income taxes67/77€12k€21k▲
Profit (loss) for the period9904€10k€31k▲
Profit (loss) for the period to be appropriated9905€10k€31k▲
Appropriation of the result
Profit (loss) to be appropriated9906€10k€31k▲
Transfer from equity791/2-€47k
Transfer to equity691/2€10k€31k▲
To other reserves6921€10k€31k▲
Profit to be distributed694/7-€47k
Return on contributions (dividend)694-€47k
The notes to these accounts (13 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
05-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 36 days late
2025
16-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 16 days late
2024
30-09
Financial
Equity above €100kEq €104k ▲10.9%
4 profitable years in a row build equity to €104k.
26-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
17-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
20-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 51 days late
2021
30-09
Financial
Back to profitnet €17k
Net result €17k after one loss-making year.
17-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 17 days late
2020
30-09
Financial
Weakest financial yearnet €-17k ▼131%
Net result drops to €-17k, the lowest in the series; recovery starts the following year.
29-05
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 29 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Tervuren · 1 establishment unit since 2017
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.
Rootstraat 823080 TervurenGround area
2,438 m²
Building footprint
183 m²
Volume, LiDAR
1,003 m³
Parcel 24114D0069/00B000, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Catriona
since 20172.270.279.555
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24114D0069/00B000 | Flanders | 2,438 m² | 1 · 183 m² | 8.4 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 3 entries · 2,017 EUR awarded · 2,017 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 285 EUR | 285 EUR |
| 2023 | 1 | 218 EUR | 218 EUR |
| 2022 | 1 | 1,514 EUR | 1,514 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 11,668 companies in sector 85599 we hold annual accounts for 1,329. 1,030 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded22-11-2017
Fiscal year end30-09
Activities, NACEBEL
85599Other education
86909Human health activities
86995Nutrition and dietetics services
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.