CELORE
ActiveSummary
CELORE has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €59k and a net result of €8k. Equity is growing by ~34.4% per year across the filed fiscal years. Its solvency ranks better than 69% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
92
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability63▼-37
Solvency99▼-1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 17.95; short-term debt: 5.6% and cash: 82.6% of total assets), and 26.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four 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 70
Relative position
BE, all sectors
reference
Sector 70
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
73.9%
Return on assets
10.4%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 27 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 · 9 filingsDeviation from the deadline
2025
27 d late
2024
26 d late
2023
29 d late
2022
31 d late
2021
24 d late
2020
31 d late
2019
28 d late
← before the deadline
after the deadline →
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 monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€59k▲ 16.4%
2024 · €51k
2018: €8k
2019: €8k
2020: €8k
2021: €15k
2022: €18k
2023: €7k
2024: €51k
2018 → 2025
Total assets
€80k▲ 18.0%
2024 · €68k
2018: €248k
2019: €238k
2020: €227k
2021: €218k
2022: €228k
2023: €239k
2024: €68k
2018 → 2025
Net result
€8k▼ 80.9%
2024 · €44k
2018: €-4k
2019: €-269
2020: €471
2021: €7k
2022: €3k
2023: €-10k
2024: €44k
2018 → 2025
Working capital
€76k▲ 12.4%
2024 · €68k
2018: €-34k
2019: €-39k
2020: €-37k
2021: €-37k
2022: €-41k
2023: €-51k
2024: €68k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€15k-€18k▲ 19.8%€7k▼ 58.6%€51k▲ 592%€59k▲ 16.4%
Operating result€9k-€7k▼ 25.9%€-3k€64k€8k▼ 86.7%
Net result€7k-€3k▼ 54.9%€-10k€44k€8k▼ 80.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 87% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €80k
Equity
€59k ▲ 16.4%
Provisions
€16k =
Debt
€4k ▲ 690%
Debt's share of the balance-sheet total rises from 0.8% to 5.6%. Equity and debt are higher.
Key figures and ratios
Current ratio
17.95
Debt to equity
0.08▲
2024 · 0.01
ROE
14.1%▼
2024 · 85.6%
ROA
10.4%▼
2024 · 64.2%
Debt ≤ 1 year
€4k▲
2024 · €567
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 34 lines
Balance sheet
Code20242025
Assets
Total assets20/58€68k€80k▲
Current assets29/58€68k€80k▲
Amounts receivable within one year40/41€50k€14k▼
Trade receivables40€40k€14k▼
Other amounts receivable41€10k-
Cash at bank and in hand54/58€6k€66k▲
Deferred charges and accrued income490/1€12k-
Equity and liabilities
Total equity and liabilities10/49€68k€80k▲
Equity10/15€51k€59k▲
Contributions10/11€19k€19k=
Reserves13€49k€49k=
Tax-exempt reserves132€49k€49k=
Profit (loss) carried forward14€-17k€-9k▲
Provisions and deferred taxes16€16k€16k=
Deferred taxes168€16k€16k=
Amounts payable17/49€567€4k▲
Amounts payable within one year42/48€567€4k▲
Trade debts44-€143
Suppliers440/4-€143
Taxes, remuneration and social security45-€4k
Taxes450/3-€4k
Other amounts payable47/48€567€248▼
Income statement
Code20242025
Other operating charges640/8€3k€638▼
Gross operating margin9900€66k€9k▼
Operating profit (loss)9901€64k€8k▼
Financial charges65/66B€4k€108▼
Recurring financial charges65€4k€108▼
Profit (loss) for the period before taxes9903€60k€8k▼
Transfer to deferred taxes680€16k-
Profit (loss) for the period9904€44k€8k▼
Transfer to tax-exempt reserves689€49k-
Profit (loss) for the period to be appropriated9905€-6k€8k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-17k€-9k▲
Profit (loss) brought forward from the previous period14P€-11k€-17k▼
The notes to these accounts (1 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 27 days late
2025
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
31-12
Financial
Back to profitnet €44k
Net result €44k after one loss-making year.
31-12
Financial
Liquidity times 258current ratio 120.20
Current ratio from 0.47 to 120.20; short-term debt falls from €96k to €567.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Weakest financial yearnet €-10k ▼454%
Net result drops to €-10k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
24-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 24 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Back to profitnet €471
Net result €471 after 2 loss-making years.
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
2019
07-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 7 days late
2018
30-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
4 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, Namur · 1 establishment unit since 2015
Ground area
276 m²
Building footprint
67 m²
Volume, LiDAR
796 m³
Parcel 92302G0314/00M007, Wallonia · tallest building 14.8 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
CELORE
since 20152.246.686.086
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 92302G0314/00M007 | Wallonia | 276 m² | 1 · 67 m² | 14.8 m · 4 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.
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 38,968 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-10-2015
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:[email protected]