CELOPS
ActiveCELOPS has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €87k and a net result of €-7k. Equity is growing by ~38.1% per year across the filed fiscal years. Its solvency ranks better than 83% of 628 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability11▼-87
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 3.2 against 3.39 in 2024; short-term debt: 20.2% and cash: 29.5% of total assets), and 20.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six 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 74
Relative position
BE, all sectors
reference
Sector 74
lower
← fewer bankruptcies
more bankruptcies →
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
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 13-08-2026, 13 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 · 3 filingsDeviation from the deadline
2025
13 d late
2024
32 d late
2023
30 d early
← 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
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-7k
2024 · €27k
2023: €-15k
2024: €27k
2023 → 2025
Working capital
€48k▼ 3.0%
2024 · €50k
2023: €415k
2024: €50k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€21k-€94k▲ 355%€87k▼ 7.9%
Operating result€-13k-€34k€-6k
Net result€-15k-€27k€-7k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €6k after €34k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €109k
Fixed assets
€38k▼ 13.4%
Current assets
€70k▼ 0.6%
Equity and liabilities €109k
Equity
€87k▼ 7.9%
Debt
€22k▲ 5.3%
The debt ratio rises from 18.2% to 20.2%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€206▼
2024 · €37k
Cash flow
€-2k▼
2024 · €31k
Solvency
79.8%▼
2024 · 81.8%
Current ratio
3.20▼
2024 · 3.39
Quick ratio
2.46▼
2024 · 2.55
Debt / equity
0.25▲
2024 · 0.22
ROE
-8.6%▼
2024 · 28.7%
ROA
-6.8%▼
2024 · 23.5%
Interest coverage
0.12▼
2024 · 13.83
Debt
€22k▲
2024 · €21k
Debt ≤ 1 year
€22k▲
2024 · €21k
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€115k€109k▼
Fixed assets21/28€44k€38k▼
Tangible fixed assets22/27€21k€15k▼
Furniture and vehicles24€21k€15k▼
Financial fixed assets28€23k€23k=
Current assets29/58€71k€70k▼
Stocks and contracts in progress3€18k€16k▼
Stocks30/36€18k€16k▼
Amounts receivable within one year40/41€36k€22k▼
Trade receivables40€26k€16k▼
Other amounts receivable41€10k€6k▼
Cash at bank and in hand54/58€17k€32k▲
Equity and liabilities
Total equity and liabilities10/49€115k€109k▼
Equity10/15€94k€87k▼
Contributions10/11€77k€77k=
Profit (loss) carried forward14€17k€9k▼
Amounts payable17/49€21k€22k▲
Amounts payable within one year42/48€21k€22k▲
Trade debts44€5k€6k▲
Suppliers440/4€5k€6k▲
Taxes, remuneration and social security45€2k€3k▲
Taxes450/3€2k€3k▲
Other amounts payable47/48€13k€13k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€6k▲
Other operating charges640/8€769€1k▲
Gross operating margin9900€38k€1k▼
Operating profit (loss)9901€34k€-6k▼
Financial income75/76B€28€1▼
Recurring financial income75€28€1▼
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€31k€-7k▼
Income taxes67/77€4k-
Profit (loss) for the period9904€27k€-7k▼
Profit (loss) for the period to be appropriated9905€27k€-7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€45k€9k▼
Profit (loss) brought forward from the previous period14P€18k€17k▼
Profit to be distributed694/7€29k-
Return on contributions (dividend)694€29k-
The notes to these accounts (7 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
13-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 13 days late
06-07
State Gazette act
General meeting · Purpose change
Statutes amendment · Power of attorney
2025
01-09
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 32 days late
2024
31-12
Financial
Back to profitnet €27k
Net result €27k after one loss-making year.
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2024
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
15-04-2024
Resigned as Director
Location & real-estate footprint
Registered office, Assesse · 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.
Rue des Tiges 75330 AssesseGround area
3,299 m²
Building footprint
930 m²
Parcel 92006B0220/00R003, Wallonia. Linked by address, not a title deed.
1 establishment unit
SENTINEL
since 20182.279.975.201
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92006B0220/00R003 | Wallonia | 3,299 m² | 1 · 930 m² | - |
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
BLIKSEM SCHRIJFBUREAU
BE 0781.817.228
Zwevegem · Eq €87k
TRADRL
BE 0779.404.106
Schaarbeek · Eq €86k
J.BUSCHMANN
BE 0891.888.472
Boechout · Eq €88k
APSIS
BE 0442.739.177
La Hulpe · Eq €86k
VALERIE BAUDUIN
BE 0430.937.148
Tournai · Eq €85k
Of 4,530 companies in sector 74301 we hold annual accounts for 719. 614 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-09-2018
Fiscal year end31-12
Activities, NACEBEL
74300Other professional, scientific and technical activities
74301Translation services
74909Other professional, scientific and technical activities
74999Other professional, scientific and technical activities
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:contact@celops.org