CENTERED
ActiveCENTERED has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €31k and a net result of €533k. Equity is growing by ~2.5% per year across the filed fiscal years. Its solvency ranks better than 12% of 31487 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability100=
Solvency13▼-18
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity short (current ratio 0.96 against 1.06 in 2024), and 95.4% 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 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
4.6%
Return on assets
79.7%
Age of the figures
11 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 12% of 31487 sector peers (2025).
NBB · sector comparisonPosition among 31487 sector peers
Solvency
better than 12%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 16-12-2025, 135 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
135 d early
2024
16 d early
2023
141 d early
2022
24 d early
2021
5 d early
2020
6 d late
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
12-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€31k▼ 69.3%
2024 · €101k
2018: €28k
2019: €28k
2020: €8k
2021: €31k
2022: €31k
2023: €31k
2024: €101k
2018 → 2025
Total assets
€669k▲ 45.1%
2024 · €461k
2018: €58k
2019: €52k
2020: €37k
2021: €54k
2022: €145k
2023: €255k
2024: €461k
2018 → 2025
Net result
€533k▲ 31.7%
2024 · €405k
2018: €7k
2019: €3k
2020: €-23k
2021: €24k
2022: €74k
2023: €201k
2024: €405k
2018 → 2025
Working capital
€-24k
2024 · €22k
2018: €19k
2019: €20k
2020: €7k
2021: €12k
2022: €21k
2023: €-64k
2024: €22k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€31k-€31k▼ 0.8%€31k=€101k▲ 226%€31k▼ 69.3%
Operating result€24k-€100k▲ 313%€264k▲ 163%€536k▲ 103%€707k▲ 32.0%
Net result€24k-€74k▲ 209%€201k▲ 173%€405k▲ 101%€533k▲ 31.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 32% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €669k
Fixed assets
€55k▼ 30.4%
Current assets
€614k▲ 60.8%
Equity and liabilities €669k
Equity
€31k▼ 69.3%
Debt
€638k▲ 77.1%
The debt ratio rises from 78.1% to 95.4%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€731k▲
2024 · €559k
Cash flow
€557k▲
2024 · €428k
Solvency
4.6%▼
2024 · 21.9%
Current ratio
0.96▼
2024 · 1.06
Quick ratio
0.96▼
2024 · 1.06
Debt / equity
20.60▲
2024 · 3.57
ROA
79.7%▼
2024 · 87.8%
Interest coverage
1444.50▼
2024 · 1735.03
Debt
€638k▲
2024 · €360k
Debt ≤ 1 year
€637k▲
2024 · €359k
Income taxes
€173k▲
2024 · €130k
A ratio outside any meaningful range has been withheld (balance sheet total €669k, equity €31k).
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€461k€669k▲
Fixed assets21/28€80k€55k▼
Tangible fixed assets22/27€80k€55k▼
Land and buildings22€2k€1k▼
Plant, machinery and equipment23€1k€166▼
Furniture and vehicles24€77k€54k▼
Current assets29/58€382k€614k▲
Amounts receivable within one year40/41€13k€71k▲
Trade receivables40€7k€64k▲
Other amounts receivable41€6k€7k▲
Cash at bank and in hand54/58€363k€535k▲
Deferred charges and accrued income490/1€6k€8k▲
Equity and liabilities
Total equity and liabilities10/49€461k€669k▲
Equity10/15€101k€31k▼
Contributions10/11€19k€19k=
Reserves13€82k€12k▼
Distributable reserves133€82k€12k▼
Amounts payable17/49€360k€638k▲
Amounts payable within one year42/48€359k€637k▲
Financial debts43€223€411▲
Credit institutions430/8€223€411▲
Trade debts44€5k€778▼
Suppliers440/4€5k€778▼
Taxes, remuneration and social security45€17k€30k▲
Taxes450/3€17k€30k▲
Other amounts payable47/48€337k€606k▲
Accrued charges and deferred income492/3€900€708▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€23k€24k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€3k-
Other operating charges640/8€645€1k▲
Gross operating margin9900€562k€732k▲
Operating profit (loss)9901€536k€707k▲
Financial income75/76B€12€0▼
Recurring financial income75€12€0▼
Financial charges65/66B€322€506▲
Recurring financial charges65€322€506▲
Profit (loss) for the period before taxes9903€535k€706k▲
Income taxes67/77€130k€173k▲
Profit (loss) for the period9904€405k€533k▲
Profit (loss) for the period to be appropriated9905€405k€533k▲
Appropriation of the result
Profit (loss) to be appropriated9906€405k€533k▲
Transfer from equity791/2-€70k
Transfer to equity691/2€70k-
To other reserves6921€70k-
Profit to be distributed694/7€335k€603k▲
Return on contributions (dividend)694€335k€603k▲
The notes to these accounts (4 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
2025
16-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-09
Financial
Highest result since 2018net €533k ▲31.7%
Operating result €707k, net result €533k, both a record.
14-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-09
Financial
Equity above €100kEq €101k ▲226%
4 profitable years in a row build equity to €101k.
2023
11-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
06-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
25-04
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-09
Financial
Back to profitnet €24k
Net result €24k after one loss-making year.
06-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 6 days late
2020
30-09
Financial
Weakest financial yearnet €-23k ▼838%
Net result drops to €-23k, the lowest in the series; recovery starts the following year.
30-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
19-04
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-03
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
20-04
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 directors, no change since 2023
KENIS Ilse Saskia
CurrentDirector · since 27-12-2023
VLOEBERGHS Stijn
CurrentDirector · since 27-12-2023
27-12-2023
KENIS Ilse Saskia: Appointed as Director
27-12-2023
VLOEBERGHS Stijn: Appointed as Director
Location & real-estate footprint
Registered office, Leuven · 1 establishment unit since 2015
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.
Gezusters Grégoirestraat 13010 LeuvenGround area
463 m²
Building footprint
109 m²
Volume, LiDAR
677 m³
Parcel 24483E0215/00A016, Flanders · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CENTERED
since 20152.250.237.276
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24483E0215/00A016 | Flanders | 463 m² | 1 · 109 m² | 9.4 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 · 404 EUR awarded · 404 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 404 EUR | 404 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,218 companies in sector 70200 we hold annual accounts for 52,395. 34,533 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-12-2015
Fiscal year end30-09
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.