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CCT2020

Active
Private limited companyfounded 20206 yrs activeEikenlaan 57, 3600 Genk, BelgiumKBO/BCE: BE 0743.383.254
Summary

The computed 12-month bankruptcy probability of CCT2020 is 3.2% (moderate). The annual accounts of CCT2020 for fiscal year 2025 show a net loss of 925% of total assets and of 95% of the equity at the start of that year. The 2025 annual accounts show equity of €2,196 and a net result of -€41,652. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 52% of 28184 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
Axes · tick = 2024
Profitability0▼-12
Solvency74▼-26
Growth32▼-46
Track record100
Bankruptcy probability, 12 months
3.2% Moderate
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
balance sheet total too small for a liquidity verdict.
Credit check for your own amount and term

Show the recommended maximum : and see how the verdict changes with amount, term and advance.

Signals

Five 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 date
Age against the risk zone
highest failure risk from 2 to 8 years 6 years 0 10 y
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Specialised construction activities (NACE 43)
about 85% 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 2025
Age of the figures
Age of the figures
9 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 2025
Net result per financial year
202122232425
2020 to 2025 · latest year -€41,652
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 31-07-2026, 0 days ahead of the deadline.
NBB · 6 filings
Deviation from the deadline
2025
on the day
2024
31 d early
2023
33 d early
2022
32 d early
2021
26 d early
2020
17 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 18 days before the deadline; the sector median for financial year 2024 is 1 day before the deadline, and 42% of the sector filed late.

Checked, nothing found (2)
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 months
Position in the running window
27-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · 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

History

CCT2020 was incorporated on 6 February 2020 as a Private limited company.1 Total assets fell from EUR 455,879 in 2020 to EUR 4,501 in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2020 and 2025

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Financials · fiscal year 2025, micro schema

Equity
€2,196▼ 95.0%
2024 · €43,848
Total assets
€4,501▼ 89.8%
2024 · €44,022
Net result
-€41,652▼ 842%
2024 · -€4,420
Working capital
€2,196▼ 95.0%
2024 · €43,848
Trend over the years

Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings. Dashed line: the median.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20212022202320242025
Operating result€20,723€52,138▲ 152%€2,112▼ 95.9%-€4,420-€39,910▼ 803%
Net result€12,981within the sector's middle half€27,785within the sector's middle half▲ 114%-€609below the sector's middle half-€4,420below the sector's middle half▼ 625%-€41,652below the sector's middle half▼ 842%
Equity€21,092within the sector's middle half▲ 160%€48,876within the sector's middle half▲ 132%€48,267within the sector's middle half▼ 1.2%€43,848within the sector's middle half▼ 9.2%€2,196below the sector's middle half▼ 95.0%
Total assets€376,864above the sector's middle half▼ 17.3%€176,212within the sector's middle half▼ 53.2%€73,826within the sector's middle half▼ 58.1%€44,022below the sector's middle half▼ 40.4%€4,501below the sector's middle half▼ 89.8%
Debt€355,773▼ 20.5%€127,336▼ 64.2%€25,559▼ 79.9%€174▼ 99.3%€2,306▲ 1,222%
Working capital€161,092▼ 63.8%€138,376▼ 14.1%€73,267▼ 47.1%€43,848▼ 40.2%€2,196▼ 95.0%
Solvency5.6%below the sector's middle half▲ 3.8pp27.7%within the sector's middle half▲ 22.1pp65.4%within the sector's middle half▲ 37.6pp99.6%above the sector's middle half▲ 34.2pp
above within below the middle half (P25 to P75) of NACE 43, Specialised construction activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
-€50,000-€25,000€0€25,000€50,000Operating result 2021: €20,723€20,723Net result 2021: €12,981€12,981Operating result 2022: €52,138€52,138Net result 2022: €27,785€27,785Operating result 2023: €2,112€2,112Net result 2023: -€609-€609Operating result 2024: -€4,420-€4,420Net result 2024: -€4,420-€4,420Operating result 2025: -€39,910-€39,910Net result 2025: -€41,652-€41,65220212022202320242025-€60,000-€40,000-€20,000€0Operating result 2023: €2,112€2,110Net result 2023: -€609-€609Operating result 2024: -€4,420-€4,420Net result 2024: -€4,420-€4,420Operating result 2025: -€39,910-€39,900Net result 2025: -€41,652-€41,700202320242025
The operating result stays negative: a loss of €39,910 in 2025 against €4,420 in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €4,501
Equity €2,196 ▼ 95.0%
Debt €2,306 ▲ 1,222%
Debt's share of the balance-sheet total rises from 0.4% to 51.2%. Equity is lower and debt is higher.
Key figures and ratios
2025 value · change against 2024
Debt ≤ 1 year
€2,306▲
2024 · €174
Income taxes
€1,742
Ratios withheld: a balance sheet total of €4,501 is too small for a meaningful ratio.
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 3,595 companies that looked in July 2024 the way this one looks now, 2.8% went bankrupt within 24 months and 87% are still going.

  • Micro
  • 5 to 10 years old
  • solvency 30% or more
  • a loss of 10% of the balance sheet or more
2.8% went bankrupt
9.3% stopped otherwise
87% still going

A further 0.8% stopped, but we cannot tell whether within those 24 months.

For this company itself Checked computes a bankruptcy probability of 3.2% over twelve months; the group does not contradict it.

How reliable is this rule?

Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,058 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.

The companies in ten equal groups, from lowest to highest expected share.
Group Expected Actual
1 0.2% 0.2%
2 0.3% 0.4%
3 0.5% 0.5%
4 0.6% 0.7%
5 0.8% 0.9%
6 1.2% 1.3%
7 1.5% 1.6%
8 1.7% 1.7%
9 2.7% 2.8%
10 5.3% 5.7%

The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.

An observation about 3,595 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.

Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 28 lines
Balance sheet Code20242025
Assets
Total assets20/58€44,022€4,501▼
Current assets29/58€44,022€4,501▼
Amounts receivable within one year40/41€5,174€4,449▼
Trade receivables40€0€0=
Other amounts receivable41€5,174€4,449▼
Cash at bank and in hand54/58€38,848€52▼
Equity and liabilities
Total equity and liabilities10/49€44,022€4,501▼
Equity10/15€43,848€2,196▼
Contributions10/11€18,600€18,600=
Profit (loss) carried forward14€25,248-€16,404▼
Amounts payable17/49€174€2,306▲
Amounts payable within one year42/48€174€2,306▲
Trade debts44-€814
Suppliers440/4-€814
Taxes, remuneration and social security45€27€1,492▲
Taxes450/3€27€1,492▲
Other amounts payable47/48€148-
Income statement Code20242025
Other operating charges640/8€62€187▲
Gross operating margin9900-€4,358-€39,723▼
Operating profit (loss)9901-€4,420-€39,910▼
Financial income75/76B€0-
Recurring financial income75€0-
Profit (loss) for the period before taxes9903-€4,420-€39,910▼
Income taxes67/77-€1,742
Profit (loss) for the period9904-€4,420-€41,652▼
Profit (loss) for the period to be appropriated9905-€4,420-€41,652▼
Appropriation of the result
Profit (loss) to be appropriated9906€25,248-€16,404▼
Profit (loss) brought forward from the previous period14P€29,667€25,248▼

The notes to these accounts (1 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20212022202320242025Change
Other operating charges640/8€583€193€518€62€187▲ 202%
Gross operating margin9900€21,306€52,331€2,630-€4,358-€39,723▼ 812%
Operating profit (loss)9901€20,723€52,138€2,112-€4,420-€39,910▼ 803%
Financial income75/76B-€1,081€0€0--
Recurring financial income75-€1,081€0€0--
Financial charges65/66B€6,769€18,466€2,721---
Recurring financial charges65€6,769€18,466€2,721---
Profit (loss) for the period before taxes9903€13,953€34,753-€609-€4,420-€39,910▼ 803%
Income taxes67/77€973€6,968--€1,742-
Profit (loss) for the period9904€12,981€27,785-€609-€4,420-€41,652▼ 842%
Profit (loss) for the period to be appropriated9905€12,981€27,785-€609-€4,420-€41,652▼ 842%
Line20212022202320242025Change
Assets
Total assets20/58€376,864€176,212€73,826€44,022€4,501▼ 89.8%
Current assets29/58€376,864€176,212€73,826€44,022€4,501▼ 89.8%
Stocks and contracts in progress3€371,564€155,369----
Stocks30/36€371,564€155,369----
Amounts receivable within one year40/41€3,256€11,390€15,988€5,174€4,449▼ 14.0%
Trade receivables40€894-€2,625€0€0=
Other amounts receivable41€2,362€11,390€13,363€5,174€4,449▼ 14.0%
Cash at bank and in hand54/58€2,044€9,453€57,838€38,848€52▼ 99.9%
Equity and liabilities
Total equity and liabilities10/49€376,864€176,212€73,826€44,022€4,501▼ 89.8%
Equity10/15€21,092€48,876€48,267€43,848€2,196▼ 95.0%
Contributions10/11€18,600€18,600€18,600€18,600€18,600=
Profit (loss) carried forward14€2,492€30,276€29,667€25,248-€16,404▼ 165%
Amounts payable17/49€355,773€127,336€25,559€174€2,306▲ 1,222%
Amounts payable after more than one year17€140,000€59,500€25,000---
Financial debts170/4€140,000€59,500€25,000---
Amounts payable within one year42/48€215,773€37,836€559€174€2,306▲ 1,222%
Current portion of amounts payable after more than one year42€186,800-----
Trade debts44€25,000€29,895€384-€814-
Suppliers440/4€25,000€29,895€384-€814-
Taxes, remuneration and social security45€973€7,941€27€27€1,492▲ 5,471%
Taxes450/3€973€7,941€27€27€1,492▲ 5,471%
Other amounts payable47/48€3,000-€148€148--
Accrued charges and deferred income492/3-€30,000----
Line20212022202320242025Change
Profit (loss) for the period9904€12,981€27,785-€609-€4,420-€41,652▼ 842%
Operating cash flow (approximation)€12,981€27,785-€609-€4,420-€41,652▼ 842%
Change in cash-€7,409€48,384-€18,990-€38,796▼ 104%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
31-07
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial Weakest financial yearnet -€41,652
Net result drops to -€41,652, the lowest in the series.
30-06
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
28-06
NBB filing Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial Liquidity times 28current ratio 132.12
Current ratio from 4.66 to 132.12; short-term debt falls from €37,836 to €559.
29-06
NBB filing Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial Highest result since 2020net €27,785 ▲114%
Operating result €52,138, net result €27,785, both a record.
31-12
Financial Liquidity triplescurrent ratio 4.66
Current ratio from 1.75 to 4.66; short-term debt falls from €215,773 to €37,836.
05-07
NBB filing Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial Back to profitnet €12,981
Net result €12,981 after one loss-making year.
17-08
NBB filing Annual accounts filed
fiscal year 2020 · micro schema · 17 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts

We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.

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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, Genk · 1 establishment unit since 2020
seat establishment The establishment unit on the map
Ground area
484 m²
Building footprint
169 m²
Volume, LiDAR
905 m³
Parcel 71307H0002/00P088, Flanders · tallest building 11.7 m, ±1 floor. Linked by address, not a title deed.
3 companies at this address See who is registered here
1 establishment unit
CCT2020
Eikenlaan 57, 3600 GenkSpecialised construction activities
since 20202.304.344.569
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
71307H0002/00P088 Flanders 484 m² 1 · 169 m² 11.7 m · 1 fl.
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Structure & network

Owners and holdings

2 owners

Owners 2

Holdings 0

No holding stated in the accounts, acts or LEI register we read.

According to the annual accounts of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.

Connections & network

No current directors or connected companies found in the register.

Similar companies · same sector, comparable size

Of 15,521 companies in sector 43990 we hold annual accounts for 7,423. 1,431 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
Founded06-02-2020
Fiscal year end31-12
Activities, NACEBEL 2025
43990Other specialised construction activities
E-invoicing
Not found in the Peppol register

No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.

What can you do?

Try sending from your invoicing software; if that fails, ask the customer whether they already receive via Peppol.

If the customer is not ready yet, you may send the invoice another way, for example as a PDF; if electronically, with their agreement on a secure alternative. That invoice is valid; the customer risks a penalty. FPS Finance

Register as of 27 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.