CERT
ActiveCERT has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €153k and a net result of €14k. Equity is growing by ~9.4% per year across the filed fiscal years. Its solvency ranks better than 38% of 6974 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
70
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability70▼-5
Solvency65▲+1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 2.59 against 3.06 in 2024; short-term debt: 20.1% and cash: 11.4% of total assets), but 60.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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
39.7%
Return on assets
3.7%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 31-01-2026, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
on the day
2023
29 d late
2022
on the day
2021
on the day
2020
on the day
2019
42 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close17-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€153k▲ 9.7%
2024 · €140k
2019: €90k
2020: €95k
2021: €112k
2022: €112k
2023: €124k
2024: €140k
2019 → 2025
Total assets
€386k▲ 8.2%
2024 · €357k
2019: €92k
2020: €105k
2021: €205k
2022: €320k
2023: €347k
2024: €357k
2019 → 2025
Net result
€14k▼ 13.9%
2024 · €17k
2019: €13k
2020: €5k
2021: €19k
2022: €760
2023: €12k
2024: €17k
2019 → 2025
Working capital
€124k▲ 10.9%
2024 · €111k
2019: €86k
2020: €92k
2021: €101k
2022: €99k
2023: €92k
2024: €111k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€112k-€112k=€124k▲ 10.2%€140k▲ 12.8%€153k▲ 9.7%
Operating result€21k-€4k▼ 81.3%€14k▲ 262%€19k▲ 34.5%€20k▲ 0.6%
Net result€19k-€760▼ 95.9%€12k▲ 1,514%€17k▲ 35.7%€14k▼ 13.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 1% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €386k
Fixed assets
€185k▼ 3.5%
Current assets
€201k▲ 21.7%
Equity and liabilities €386k
Equity
€153k▲ 9.7%
Debt
€233k▲ 7.2%
The debt ratio falls from 60.9% to 60.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€32k▲
2024 · €31k
Cash flow
€26k▼
2024 · €28k
Solvency
39.7%▲
2024 · 39.1%
Current ratio
2.59▼
2024 · 3.06
Quick ratio
2.59▼
2024 · 3.06
Debt / equity
1.52▼
2024 · 1.56
ROE
9.4%▼
2024 · 11.9%
ROA
3.7%▼
2024 · 4.7%
Interest coverage
5.65▼
2024 · 7.08
Debt
€233k▲
2024 · €217k
Debt ≤ 1 year
€78k▲
2024 · €54k
Debt > 1 year
€152k▼
2024 · €161k
Income taxes
€5k▲
2024 · €3k
Staff costs
€-58▼
2024 · €6k
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€357k€386k▲
Fixed assets21/28€192k€185k▼
Tangible fixed assets22/27€192k€185k▼
Land and buildings22€190k€179k▼
Furniture and vehicles24€2k€6k▲
Current assets29/58€165k€201k▲
Amounts receivable after more than one year29€0-
Trade receivables290€0-
Amounts receivable within one year40/41€65k€66k▲
Trade receivables40€15k€16k▲
Other amounts receivable41€50k€50k▲
Current investments50/53€40k€78k▲
Cash at bank and in hand54/58€53k€44k▼
Deferred charges and accrued income490/1€7k€13k▲
Equity and liabilities
Total equity and liabilities10/49€357k€386k▲
Equity10/15€140k€153k▲
Contributions10/11€63k€63k=
Reserves13€74k€88k▲
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€74k€88k▲
Profit (loss) carried forward14€2k€2k▼
Amounts payable17/49€217k€233k▲
Amounts payable after more than one year17€161k€152k▼
Financial debts170/4€161k€152k▼
Amounts payable within one year42/48€54k€78k▲
Current portion of amounts payable after more than one year42€9k€10k▲
Trade debts44€5k€9k▲
Suppliers440/4€5k€9k▲
Taxes, remuneration and social security45€9k€6k▼
Taxes450/3€9k€6k▼
Other amounts payable47/48€32k€53k▲
Accrued charges and deferred income492/3€2k€3k▲
Income statement
Code20242025
Non-recurring operating income76A€29€3k▲
Remuneration, social security and pensions62€6k€-58▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€12k▲
Other operating charges640/8€911€2k▲
Gross operating margin9900€38k€33k▼
Operating profit (loss)9901€19k€20k▲
Financial income75/76B€4k€6k▲
Recurring financial income75€4k€6k▲
Financial charges65/66B€4k€6k▲
Recurring financial charges65€4k€6k▲
Profit (loss) for the period before taxes9903€20k€20k▲
Income taxes67/77€3k€5k▲
Profit (loss) for the period9904€17k€14k▼
Profit (loss) for the period to be appropriated9905€17k€14k▼
Appropriation of the result
Profit (loss) to be appropriated9906€18k€17k▼
Profit (loss) brought forward from the previous period14P€2k€2k▲
Transfer to equity691/2€15k€14k▼
To other reserves6921€15k€14k▼
Profit to be distributed694/7€800€800=
Return on contributions (dividend)694€800€800=
The notes to these accounts (10 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
31-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-06
Financial
Equity above €150kEq €153k ▲9.7%
7 profitable years in a row build equity to €153k.
31-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
29-02
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
30-06
Financial
Weakest financial yearnet €760 ▼95.9%
Net result drops to €760, the lowest in the series; recovery starts the following year.
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
Financial
Highest result since 2019net €19k ▲276%
Operating result €21k, net result €19k, both a record.
30-06
Financial
Equity above €100kEq €112k ▲18.7%
3 profitable years in a row build equity to €112k.
31-01
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
20-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
14-12
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
15-12
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
21-12
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
3 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, Assenede · 1 establishment unit since 2009
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.
Trieststraat 92A9960 AssenedeGround area
1,656 m²
Building footprint
352 m²
Volume, LiDAR
963 m³
2 parcels, Flanders · tallest building 7.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CERT
since 20092.176.146.795
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 43002E1867/00G000 | Flanders | 940 m² | 1 · 175 m² | 7.5 m · 2 fl. |
| 43002E1076/00R000 | Flanders | 716 m² | 1 · 176 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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 2024 · 3 entries · 252 EUR awarded · 252 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 78 EUR | 78 EUR |
| 2023 | 1 | 75 EUR | 75 EUR |
| 2022 | 1 | 99 EUR | 99 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
Indeed IT
BE 0726.952.444
Elsene · Eq €153k
LBSP
BE 0755.454.410
Leuven · Eq €153k
CX Consulting
BE 0776.796.091
Mol · Eq €153k
MARKETING & COMPANY
BE 0467.248.406
Vilvoorde · Eq €153k
WWTex
BE 0505.922.207
Tienen · Eq €153k
Of 13,425 companies in sector 73300 we hold annual accounts for 6,899. 5,432 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-01-2009
Fiscal year end30-06
Activities, NACEBEL
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
71121Engineering and related technical consultancy, excluding land surveyors
73200Market research and public opinion polling
74909Other professional, scientific and technical activities
74999Other professional, scientific and technical activities
81100Combined facilities support activities
82100Office administrative and support services
82110Office administrative, office support and other business support activities
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.