CCT-FIT

Active

Private limited companyfounded 20188 yrs activeTer Vennen(HEU) 49, 9070 Destelbergen, BelgiumKBO/BCE: BE 0687.461.269

CCT-FIT has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €22k and a net result of €23k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 35% of 37960 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.2% (very low).

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Checked score

Score 2024

85 / 100

Excellent

The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability100=

Solvency65▲+21

Growth78=

Track record100

Bankruptcy probability, 12 months

0.2% Very low

0%0.5%1.5%4%10%≥ 25%

Credit up to €1.5k at 30 days acceptable

Liquidity ample (current ratio 1.59 against 1.18 in 2023; short-term debt: 59.7% and cash: 80.5% of total assets), but 59.7% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 70

Relative position

BE, all sectors

reference

Sector 70

lower

← fewer bankruptcies more bankruptcies →

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 2024

Solvency, return and age of the figures

Solvency

40.3%

Return on assets

41.4%

Age of the figures

21 mo

Growing equity

Reported equity is higher than in 2022 and did not fall compared with 2023. These amounts do not establish the cause of the change.

NBB · annual accounts 2024

Equity per financial year

18192021222324

2018 to 2024 · latest year €22k

Latest accounts filed on time

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 22-07-2025, 9 days ahead of the deadline.

NBB · 7 filings

Deviation from the deadline

2025

not confirmed

2024

9 d early

2023

13 d early

2022

49 d early

2021

25 d late

2020

53 d early

2019

56 d early

← before the deadline after the deadline →

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2024, micro schema

Turnover

€72k

EBIT margin

85.1%

Net result

€23k▼ 72.7%

2023 · €83k

2018: €-22k 2019: €46k 2020: €86k 2021: €129k 2022: €100k 2023: €83k

2018 → 2024

Working capital

€19k▲ 9.4%

2023 · €18k

2018: €-5k 2019: €42k 2020: €128k 2021: €107k 2022: €14k 2023: €18k

2018 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20202021202220232024Trend

Equity€129k-€107k▼ 16.6%€19k▼ 82.5%€22k▲ 18.6%€22k=

Operating result€118k-€168k▲ 42.2%€137k▼ 18.1%€115k▼ 16.4%€34k▼ 70.8%

Net result€86k-€129k▲ 49.5%€100k▼ 22.0%€83k▼ 16.7%€23k▼ 72.7%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result has fallen three years in a row; 2024 is 71% below 2023 and is the lowest result in the available series.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €55k

94.7%

Fixed assets €3k▼ 36.4%

Current assets €52k▼ 54.6%

Equity and liabilities €55k

40.3%

59.7%

Equity €22k=

Debt €33k▼ 66.2%

The debt ratio falls from 81.4% to 59.7%. Debt is lower.

Key figures and ratios

2024 value · change against 2023

EBITDA

€35k▼

2023 · €116k

Cash flow

€24k▼

2023 · €85k

Solvency

40.3%▲

2023 · 18.6%

Current ratio

1.59▲

2023 · 1.18

Quick ratio

1.59▲

2023 · 1.18

Debt / equity

1.48▼

2023 · 4.37

ROE

102.6%▼

2023 · 375.9%

ROA

41.4%▼

2023 · 69.9%

Interest coverage

14.09▼

2023 · 39.74

Debt

€33k▼

2023 · €97k

Debt ≤ 1 year

€33k▼

2023 · €97k

Income taxes

€8k▼

2023 · €28k

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 · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€119k€55k▼

Fixed assets21/28€5k€3k▼

Tangible fixed assets22/27€5k€3k▼

Plant, machinery and equipment23€5k€3k▼

Current assets29/58€115k€52k▼

Amounts receivable within one year40/41€8k€7k▼

Trade receivables40€8k€3k▼

Other amounts receivable41€753€4k▲

Cash at bank and in hand54/58€106k€44k▼

Deferred charges and accrued income490/1€969€821▼

Equity and liabilities

Total equity and liabilities10/49€119k€55k▼

Equity10/15€22k€22k=

Contributions10/11€19k€19k=

Profit (loss) carried forward14€4k€4k=

Amounts payable17/49€97k€33k▼

Amounts payable within one year42/48€97k€33k▼

Trade debts44€543€1k▲

Suppliers440/4€543€1k▲

Taxes, remuneration and social security45€17k€9k▼

Taxes450/3€17k€9k▼

Other amounts payable47/48€80k€23k▼

Accrued charges and deferred income492/3€0-

Income statement Code20232024

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€2k€2k▲

Other operating charges640/8€2k€1k▼

Non-recurring operating charges66A€0-

Gross operating margin9900€118k€36k▼

Operating profit (loss)9901€115k€34k▼

Financial income75/76B€0€139▲

Recurring financial income75€0€139▲

Financial charges65/66B€3k€2k▼

Recurring financial charges65€3k€2k▼

Profit (loss) for the period before taxes9903€112k€31k▼

Income taxes67/77€28k€8k▼

Profit (loss) for the period9904€83k€23k▼

Profit (loss) for the period to be appropriated9905€83k€23k▼

Appropriation of the result

Profit (loss) to be appropriated9906€84k€26k▼

Profit (loss) brought forward from the previous period14P€133€4k▲

Profit to be distributed694/7€80k€23k▼

Return on contributions (dividend)694€80k€23k▼

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 12Financial 5Filings 7

2025

22-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

18-07

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

2023

12-06

NBB filing Annual accounts filed

fiscal year 2022 · micro schema

2022

25-08

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 25 days late

2021

31-12

Financial Highest result since 2018net €129k ▲49.5%

Operating result €168k, net result €129k, both a record.

08-06

NBB filing Annual accounts filed

fiscal year 2020 · micro schema

2020

31-12

Financial Liquidity triplescurrent ratio 10.96

Current ratio from 3.16 to 10.96; short-term debt falls from €19k to €13k.

31-12

Financial Equity above €100kEq €129k ▲201%

2 profitable years in a row build equity to €129k.

05-06

NBB filing Annual accounts filed

fiscal year 2019 · micro schema

2019

31-12

Financial Back to profitnet €46k

Net result €46k after one loss-making year.

31-12

Financial Liquidity times 7current ratio 3.16

Current ratio from 0.44 to 3.16.

03-06

NBB filing Annual accounts filed

fiscal year 2018 · 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, Destelbergen · 1 establishment unit since 2018

establishment The establishment unit on the map

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.

Ter Vennen(HEU) 499070 Destelbergen

Ground area

815 m²

Building footprint

159 m²

Volume, LiDAR

872 m³

Parcel 44028A0611/00E003, Flanders · tallest building 18.5 m, ±1 floor. Linked by address, not a title deed.

1 establishment unit

CCT-FIT

Ter Vennen(HEU) 49, 9070 DestelbergenRetail trade

since 20182.271.773.058

1 parcel

Flanders 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
44028A0611/00E003	Flanders	815 m²	1 · 159 m²	18.5 m · 1 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.

Similar companies · same sector, comparable size

EASY EMI

BE 0730.865.405

Sint-Niklaas · Eq €22k

Sint-Gillis (bij-Brussel) · Eq €22k

Of 82,554 companies in sector 70200 we hold annual accounts for 52,573. 31,697 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded03-01-2018

Fiscal year end31-12

Activities, NACEBEL

70200Business and other management consultancy

70220Business consulting

Sources

Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers

Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.

Contact details

1 entry

E-mail:christ.de.baere@cct-fit.com

Enterprise