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CenT

Active
Private limited companyfounded 201412 yrs activeLindendreef 50, 2320 Hoogstraten, BelgiumKBO/BCE: BE 0549.810.054
Summary

CenT has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €772,936 and a net result of €148,371. Equity is growing by ~16.9% per year across the filed fiscal years. Its solvency ranks better than 54% of 639 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

Checked score

Score 2025
Axes · tick = 2024
Profitability80▲+3
Solvency71▼-9
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €60,000 at 30 days acceptable
Liquidity ample (current ratio 1.53 against 1.14 in 2024; short-term debt: 18.5% and cash: 15.9% of total assets), but 54% of the assets are financed with debt.
Credit check for your own amount and term

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

Signals

Four signals. The signal on the left, the evidence on the right.
−lowers 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
Other professional, scientific and technical activities (NACE 74)
about 48% fewer bankruptcies
← 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 2025
Solvency, return and age of the figures
Solvency
46%
Return on assets
8.8%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation date
Age against the risk zone
highest failure risk from 2 to 8 years 12 years 0 20 y
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 27-07-2026, 4 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2025
4 d early
2024
1 d early
2023
1 d early
2023
19 d early
2022
3 d early
2021
4 d early
2020
30 d early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 9 days before the deadline; the sector median for financial year 2024 is 3 days before the deadline, and 38% 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. Usually files around 30 July (3 of the last 3 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
28-09-2026 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

On 27 March 2014, CenT was incorporated.1 Total assets went from EUR 599,889 in 2019 to EUR 1.7 million in 2025 and headcount from 2.4 full-time equivalents in 2019 to 8.4 in 2024.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2019, 2024 and 2025

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Investigating this company? Keep it with today's facts in a case file.

Financials · fiscal year 2025, abbreviated schema

Equity
€772,936▲ 23.8%
2024 · €624,565
Total assets
€1.7m▲ 46.8%
2024 · €1.1m
Net result
€148,371▲ 88.0%
2024 · €78,901
Working capital
€166,368▲ 246%
2024 · €48,043
Trend over the years

Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 74, Other professional, scientific and technical 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
Line20222023202320242025
Operating result€192,436▲ 50.2%€33,750▼ 82.5%€45,069-€123,685▲ 174%€213,025▲ 72.2%
Net result€144,018above the sector's middle half▲ 8.4%€30,223within the sector's middle half▼ 79.0%€33,701within the sector's middle half-€78,901within the sector's middle half▲ 134%€148,371above the sector's middle half▲ 88.0%
Equity€571,741above the sector's middle half▲ 33.7%€601,964above the sector's middle half▲ 5.3%€615,664above the sector's middle half-€624,565above the sector's middle half▲ 1.4%€772,936above the sector's middle half▲ 23.8%
Total assets€970,963above the sector's middle half▲ 27.8%€1.0mwithin the sector's middle half▲ 7.1%€986,477within the sector's middle half-€1.1mwithin the sector's middle half▲ 16.0%€1.7mabove the sector's middle half▲ 46.8%
Debt€399,223▲ 20.3%€437,735▲ 9.6%€370,812-€520,009▲ 40.2%€907,397▲ 74.5%
Working capital€55,253within the sector's middle half▼ 58.2%€66,741within the sector's middle half▲ 20.8%€33,995within the sector's middle half-€48,043within the sector's middle half▲ 41.3%€166,368within the sector's middle half▲ 246%
Solvency58.9%within the sector's middle half▲ 2.6pp57.9%within the sector's middle half▼ 1.0pp62.4%within the sector's middle half-54.6%within the sector's middle half▼ 7.8pp46.0%within the sector's middle half▼ 8.6pp
Current ratio1.16within the sector's middle half▼ 0.651.23within the sector's middle half▲ 0.071.14within the sector's middle half-1.14within the sector's middle half=1.53within the sector's middle half▲ 0.39
Return on assets (ROA)14.8%within the sector's middle half▼ 2.7pp2.9%within the sector's middle half▼ 11.9pp3.4%within the sector's middle half-6.9%within the sector's middle half▲ 3.5pp8.8%within the sector's middle half▲ 1.9pp
Staff (FTE)7.8▲ 69.6%7within the sector's middle half▼ 10.3%7.8within the sector's middle half-8.4above the sector's middle half▲ 7.7%0below the sector's middle half▼ 100%
above within below the middle half (P25 to P75) of NACE 74, Other professional, scientific and technical activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Why a figure moved sharply
  • 2023 Net result -79% on 2022. The accounts now follow the abbreviated schema, last year the micro schema.
Result per fiscal year
Operating resultNet result
€0€100,000€200,000Operating result 2022: €192,436€192,436Net result 2022: €144,018€144,018Operating result 2023: €33,750€33,750Net result 2023: €30,223€30,223Operating result 2023: €45,069€45,069Net result 2023: €33,701€33,701Operating result 2024: €123,685€123,685Net result 2024: €78,901€78,901Operating result 2025: €213,025€213,025Net result 2025: €148,371€148,37120222023202320242025€0€100,000€200,000Operating result 2023: €45,069€45,100Net result 2023: €33,701€33,700Operating result 2024: €123,685€124,000Net result 2024: €78,901€78,900Operating result 2025: €213,025€213,000Net result 2025: €148,371€148,000202320242025
Multiple fiscal year ends fall in the same calendar year; an annual trend is not displayed.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.7m
Fixed assets €1.2m ▲ 59.5%
Current assets €477,862 ▲ 22.3%
Equity and liabilities €1.7m
Equity €772,936 ▲ 23.8%
Debt €907,397 ▲ 74.5%
Debt's share of the balance-sheet total rises from 45.4% to 54.0%. Equity and debt are higher.
Key figures and ratios
2025 value · change against 2024
EBITDA
€380,342▲
2024 · €306,860
Cash flow
€315,688▲
2024 · €262,076
Debt to equity
1.17▲
2024 · 0.83
ROE
19.2%▲
2024 · 12.6%
Interest coverage
24.69▼
2024 · 52.31
Debt ≤ 1 year
€311,494▼
2024 · €342,572
Debt > 1 year
€595,903▲
2024 · €177,437
Income taxes
€49,448▲
2024 · €41,819
Staff costs
€536,755▲
2024 · €488,294
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Peer companies

Historical observation

Of the 17,810 companies that looked in July 2024 the way this one looks now, 0.2% went bankrupt within 24 months and 97% are still going.

  • Small
  • 10 to 20 years old
  • solvency 30% or more
  • a profit of 5% of the balance sheet or more
0.2% went bankrupt
3.1% stopped otherwise
97% still going

For this company itself Checked computes a bankruptcy probability of 0.2% 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 497,662 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% 1.7%
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 75% 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 17,810 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 · 56 lines
Balance sheet Code20242025
Assets
Total assets20/58€1.1m€1.7m▲
Fixed assets21/28€753,959€1.2m▲
Intangible fixed assets21€12,690€21,534▲
Tangible fixed assets22/27€737,569€1.2m▲
Land and buildings22-€551,579
Plant, machinery and equipment23€43,476€45,931▲
Furniture and vehicles24€620,949€504,178▼
Other tangible fixed assets26€73,145€66,950▼
Financial fixed assets28€3,700€12,300▲
Current assets29/58€390,615€477,862▲
Amounts receivable within one year40/41€179,450€210,737▲
Trade receivables40€159,269€185,004▲
Other amounts receivable41€20,181€25,733▲
Cash at bank and in hand54/58€196,053€267,126▲
Deferred charges and accrued income490/1€15,112€0▼
Equity and liabilities
Total equity and liabilities10/49€1.1m€1.7m▲
Equity10/15€624,565€772,936▲
Contributions10/11€18,600€18,600=
Reserves13€281,860€281,860=
Non-distributable reserves130/1€1,860€1,860=
Reserves not available under the articles1311€1,860€1,860=
Distributable reserves133€280,000€280,000=
Profit (loss) carried forward14€324,105€472,476▲
Amounts payable17/49€520,009€907,397▲
Amounts payable after more than one year17€177,437€595,903▲
Financial debts170/4€177,437€595,903▲
Amounts payable within one year42/48€342,572€311,494▼
Current portion of amounts payable after more than one year42€89,180€43,411▼
Trade debts44€62,461€90,004▲
Suppliers440/4€62,461€90,004▲
Taxes, remuneration and social security45€123,205€176,202▲
Taxes450/3€38,767€37,933▼
Remuneration and social security454/9€84,439€138,269▲
Other amounts payable47/48€67,725€1,877▼
Income statement Code20242025
Non-recurring operating income76A€407€12,926▲
Remuneration, social security and pensions62€488,294€536,755▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€183,175€167,317▼
Other operating charges640/8€12,515€7,113▼
Gross operating margin9900€807,669€924,210▲
Operating profit (loss)9901€123,685€213,025▲
Financial income75/76B€2,903€196▼
Recurring financial income75€2,903€196▼
Financial charges65/66B€5,867€15,402▲
Recurring financial charges65€5,867€15,402▲
Profit (loss) for the period before taxes9903€120,721€197,819▲
Income taxes67/77€41,819€49,448▲
Profit (loss) for the period9904€78,901€148,371▲
Profit (loss) for the period to be appropriated9905€78,901€148,371▲
Appropriation of the result
Profit (loss) to be appropriated9906€394,105€472,476▲
Profit (loss) brought forward from the previous period14P€315,204€324,105▲
Transfer from equity791/2€70,000€0▼
Transfer to equity691/2€70,000€0▼
To contributions691€70,000€0▼
Profit to be distributed694/7€70,000€0▼
Return on contributions (dividend)694€70,000€0▼
Social balance
Average headcount (FTE)90878.40.0▼

The notes to these accounts (21 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20222023202320242025Change
Non-recurring operating income76A€2,683€0-€407€12,926▲ 3,075%
Remuneration, social security and pensions62€268,711€373,075€276,807€488,294€536,755▲ 9.9%
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€129,081€103,050€114,901€183,175€167,317▼ 8.7%
Other operating charges640/8€7,128€5,600€4,624€12,515€7,113▼ 43.2%
Non-recurring operating charges66A€0-----
Gross operating margin9900€597,355€515,476€441,401€807,669€924,210▲ 14.4%
Operating profit (loss)9901€192,436€33,750€45,069€123,685€213,025▲ 72.2%
Financial income75/76B€35€100€259€2,903€196▼ 93.2%
Recurring financial income75€35€100€259€2,903€196▼ 93.2%
Financial charges65/66B€1,622€5,122€4,614€5,867€15,402▲ 163%
Recurring financial charges65€1,622€5,122€4,614€5,867€15,402▲ 163%
Profit (loss) for the period before taxes9903€190,848€28,729€40,715€120,721€197,819▲ 63.9%
Income taxes67/77€46,830-€1,494€7,014€41,819€49,448▲ 18.2%
Profit (loss) for the period9904€144,018€30,223€33,701€78,901€148,371▲ 88.0%
Profit (loss) for the period to be appropriated9905€144,018€30,223€33,701€78,901€148,371▲ 88.0%
Line20222023202320242025Change
Assets
Total assets20/58€970,963€1.0m€986,477€1.1m€1.7m▲ 46.8%
Fixed assets21/28€570,049€682,699€711,301€753,959€1.2m▲ 59.5%
Intangible fixed assets21€12,000€22,657€18,374€12,690€21,534▲ 69.7%
Tangible fixed assets22/27€557,549€656,342€689,226€737,569€1.2m▲ 58.4%
Land and buildings22----€551,579-
Plant, machinery and equipment23€11,839€20,620€34,528€43,476€45,931▲ 5.6%
Furniture and vehicles24€489,334€551,715€575,359€620,949€504,178▼ 18.8%
Other tangible fixed assets26€56,375€84,007€79,340€73,145€66,950▼ 8.5%
Financial fixed assets28€500€3,700€3,700€3,700€12,300▲ 232%
Current assets29/58€400,915€356,999€275,176€390,615€477,862▲ 22.3%
Amounts receivable within one year40/41€112,163€140,032€131,032€179,450€210,737▲ 17.4%
Trade receivables40€100,063€100,050€91,273€159,269€185,004▲ 16.2%
Other amounts receivable41€12,100€39,982€39,759€20,181€25,733▲ 27.5%
Cash at bank and in hand54/58€278,519€192,020€117,116€196,053€267,126▲ 36.3%
Deferred charges and accrued income490/1€10,233€24,948€27,028€15,112€0▼ 100%
Equity and liabilities
Total equity and liabilities10/49€970,963€1.0m€986,477€1.1m€1.7m▲ 46.8%
Equity10/15€571,741€601,964€615,664€624,565€772,936▲ 23.8%
Contributions10/11€18,600€18,600€18,600€18,600€18,600=
Reserves13€241,860€271,860€281,860€281,860€281,860=
Non-distributable reserves130/1€1,860€1,860€1,860€1,860€1,860=
Reserves not available under the articles1311€1,860€1,860€1,860€1,860€1,860=
Distributable reserves133€240,000€270,000€280,000€280,000€280,000=
Profit (loss) carried forward14€311,281€311,504€315,204€324,105€472,476▲ 45.8%
Amounts payable17/49€399,223€437,735€370,812€520,009€907,397▲ 74.5%
Amounts payable after more than one year17€53,561€147,477€129,632€177,437€595,903▲ 236%
Financial debts170/4€53,561€147,477€129,632€177,437€595,903▲ 236%
Amounts payable within one year42/48€345,662€290,258€241,181€342,572€311,494▼ 9.1%
Current portion of amounts payable after more than one year42€126,591€75,826€81,386€89,180€43,411▼ 51.3%
Trade debts44€149,373€120,822€68,383€62,461€90,004▲ 44.1%
Suppliers440/4€149,373€120,822€68,383€62,461€90,004▲ 44.1%
Taxes, remuneration and social security45€68,007€93,576€70,117€123,205€176,202▲ 43.0%
Taxes450/3€14,046€33,711€26,842€38,767€37,933▼ 2.2%
Remuneration and social security454/9€53,961€59,865€43,275€84,439€138,269▲ 63.8%
Other amounts payable47/48€1,691€35€21,294€67,725€1,877▼ 97.2%
Accrued charges and deferred income492/3€0-----
Line20222023202320242025Change
Profit (loss) for the period9904€144,018€30,223€33,701€78,901€148,371▲ 88.0%
+ Depreciation and write-downs630€129,081€103,050€114,901€183,175€167,317▼ 8.7%
Operating cash flow (approximation)€273,098€133,273€148,602€262,076€315,688▲ 20.5%
Investment in fixed assets (approximation)--€215,700--€225,834-€615,829▼ 173%
Change in cash--€86,499-€78,937€71,072▼ 10.0%

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

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
27-07
NBB filing Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial Highest result since 2019net €148,371 ▲88%
Operating result €213,025, net result €148,371, both a record.
30-07
NBB filing Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-07
NBB filing Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
12-10
NBB filing Annual accounts filed
fiscal year 2023 · abbreviated schema
2022
28-10
NBB filing Annual accounts filed
fiscal year 2022 · micro schema
31-03
Financial Equity above €500,000Eq €571,741 ▲33.7%
4 profitable years in a row build equity to €571,741.
2021
27-10
NBB filing Annual accounts filed
fiscal year 2021 · micro schema
2020
01-10
NBB filing Annual accounts filed
fiscal year 2020 · abbreviated schema
31-03
Financial Equity above €200,000Eq €288,670 ▲57.3%
2 profitable years in a row build equity to €288,670.
2019
29-10
NBB filing Annual accounts filed
fiscal year 2019 · abbreviated schema
2018
02-10
NBB filing Annual accounts filed
fiscal year 2018 · abbreviated schema
2017
09-10
NBB filing Annual accounts filed
fiscal year 2017 · abbreviated 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.

Have them read with priority Sign in to place this company at the front of the reading queue.

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, Hoogstraten · 1 establishment unit since 2014
seat establishment The establishment unit on the map
Ground area
935 m²
Building footprint
133 m²
Volume, LiDAR
792 m³
Parcel 13014D0077/00D003, Flanders · tallest building 11.0 m, ±2 floors. Linked by address, not a title deed.
2 companies at this address See who is registered here
1 establishment unit
CenT
Lindendreef 50, 2320 HoogstratenFinancial service activities, except insurance and pension funding
since 20142.229.648.829
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
13014D0077/00D003 Flanders 935 m² 1 · 133 m² 11.0 m · 2 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.

Public money · subsidies and aid

Flemish government

2022 to 2025 · 8 entries · 50,679 EUR awarded · 44,133 EUR paid
Year Entries awardedpaid
2025 2 19,638 EUR15,076 EUR
2024 2 13,682 EUR13,498 EUR
2023 2 -3,972 EUR13,334 EUR
2022 2 21,331 EUR2,225 EUR
Schemes
4 entries · 43,950 EUR · 37,888 EUR paid · Departement Mobiliteit en Openbare Werken
4 entries · 6,729 EUR · 6,245 EUR paid · Fonds voor Innoveren en Ondernemen

Recognitions · licences · registrations

Quality registration as a provider

1 live approval
Quality registration as a provider
Toegekend · valid until 2029-03-21

Similar companies · same sector, comparable size

Of 4,561 companies in sector 74999 we hold annual accounts for 1,936. 988 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
Founded27-03-2014
Fiscal year end31-12
Activities, NACEBEL 2025
74999Other professional, scientific and technical activities
85531Driving schools for cars and motorcycles
71209Other technical testing and analysis
Contact
E-mail thomas@uva.be
Phone 0497/898603
E-invoicing
Reachable via Peppol
Peppol ID 0208:0549810054
Also 9925:BE0549810054
Registered 24-11-2023

If you follow this company, Checked tells you the day it leaves the Peppol register.

Register as of 28 September 2026 · Peppol Directory

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