Cecilia Roos
ActiveThe annual accounts of Cecilia Roos for fiscal year 2025 show a net loss of 62% of total assets. The 2025 annual accounts show equity of €17k and a net result of €-11k. Equity is shrinking by ~13.4% per year across the filed fiscal years. Its solvency ranks better than 95% of 7740 sector peers (fiscal year 2025). The company has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
59
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. A net loss of at least half of total assets or of the equity at the start of the financial year caps the score. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-1
Solvency100=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity ample (current ratio 29.82 against 26.35 in 2024; short-term debt: 3.4% and cash: 94.5% of total assets), and 3.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← 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 2025Solvency, return and age of the figures
Solvency
96.6%
Return on assets
-62%
Age of the figures
9 mo
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 dateAge against the risk zone
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 2025Net result per financial year
19202122232425
2019 to 2025 · latest year €-11k
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 07-07-2026, 24 days ahead of the deadline.
NBB · 7 filingsDeviation from the deadline
2025
24 d early
2024
24 d early
2023
22 d early
2022
33 d early
2021
24 d early
2020
30 d late
2019
25 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€17k▼ 39.1%
2024 · €27k
2019: €32k
2020: €44k
2021: €45k
2022: €44k
2023: €31k
2024: €27k
2019 → 2025
Total assets
€17k▼ 39.3%
2024 · €28k
2019: €58k
2020: €76k
2021: €70k
2022: €46k
2023: €33k
2024: €28k
2019 → 2025
Net result
€-11k▼ 158%
2024 · €-4k
2019: €19k
2020: €13k
2021: €992
2022: €-8k
2023: €-12k
2024: €-4k
2019 → 2025
Working capital
€17k▼ 39.1%
2024 · €27k
2019: €26k
2020: €38k
2021: €40k
2022: €43k
2023: €31k
2024: €27k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€45k-€44k▼ 3.7%€31k▼ 28.0%€27k▼ 13.2%€17k▼ 39.1%
Operating result€2k-€-7k€-12k▼ 70.6%€-4k▲ 67.8%€-10k▼ 161%
Net result€992-€-8k€-12k▼ 56.3%€-4k▲ 66.2%€-11k▼ 158%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €10k in 2025 against €4k in 2024; the loss grows.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €17k
Equity
€17k▼ 39.1%
Debt
€577▼ 46.4%
The debt ratio falls from 3.8% to 3.4%. Equity and debt are lower.
Key figures and ratios
Solvency
96.6%▲
2024 · 96.2%
Current ratio
29.82▲
2024 · 26.35
Quick ratio
29.82▲
2024 · 26.35
Debt / equity
0.03▼
2024 · 0.04
ROE
-64.1%▼
2024 · -15.1%
ROA
-62.0%▼
2024 · -14.6%
Debt
€577▼
2024 · €1k
Debt ≤ 1 year
€577▼
2024 · €1k
Income taxes
€577▲
2024 · €204
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€28k€17k▼
Fixed assets21/28€0-
Tangible fixed assets22/27€0-
Furniture and vehicles24€0-
Current assets29/58€28k€17k▼
Amounts receivable within one year40/41€4k€808▼
Other amounts receivable41€4k€808▼
Cash at bank and in hand54/58€22k€16k▼
Deferred charges and accrued income490/1€2k€137▼
Equity and liabilities
Total equity and liabilities10/49€28k€17k▼
Equity10/15€27k€17k▼
Contributions10/11€19k€19k=
Reserves13€33k-
Distributable reserves133€33k-
Profit (loss) carried forward14€-24k€-2k▲
Amounts payable17/49€1k€577▼
Amounts payable within one year42/48€1k€577▼
Taxes, remuneration and social security45€155€577▲
Taxes450/3€155€577▲
Other amounts payable47/48€921-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€172-
Other operating charges640/8€387-
Gross operating margin9900€-3k€-10k▼
Operating profit (loss)9901€-4k€-10k▼
Financial income75/76B€3-
Recurring financial income75€3-
Financial charges65/66B€71-
Recurring financial charges65€71-
Profit (loss) for the period before taxes9903€-4k€-10k▼
Income taxes67/77€204€577▲
Profit (loss) for the period9904€-4k€-11k▼
Profit (loss) for the period to be appropriated9905€-4k€-11k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-24k€-35k▼
Profit (loss) brought forward from the previous period14P€-20k€-24k▼
Transfer from equity791/2-€33k
The notes to these accounts (3 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
07-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
09-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Weakest financial yearnet €-12k
Net result drops to €-12k, the lowest in the series; recovery starts the following year.
28-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity times 8current ratio 20.32
Current ratio from 2.65 to 20.32; short-term debt falls from €24k to €2k.
07-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
2020
25-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 25 days late
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, Wingene · 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.
Galgenstraat 98750 WingeneGround area
465 m²
Building footprint
75 m²
Volume, LiDAR
485 m³
Parcel 37018F1019/00R002, Flanders · tallest building 10.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Galgenstraat 9, 8750 Wingene
since 20182.277.727.670
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 37018F1019/00R002 | Flanders | 465 m² | 1 · 75 m² | 10.4 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
2023 · 1 entry · 81 EUR awarded · 81 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 81 EUR | 81 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 24,503 companies in sector 82990 we hold annual accounts for 9,402. 5,480 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded03-07-2018
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.