CERTECO
ActiveCERTECO has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €368k and a net result of €64k. Equity remains stable across the filed fiscal years (±1.6% per year). Its solvency ranks better than 68% of 31616 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
86
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability85▲+11
Solvency98▲+2
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity short (current ratio 0.93 against 1.19 in 2024; short-term debt: 20.9% and cash: 12.8% of total assets), and 27% 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○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 · 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
73%
Return on assets
12.6%
Age of the figures
18 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 22-09-2025, 39 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
39 d early
2024
113 d early
2023
5 d early
2022
61 d early
2021
153 d early
2020
54 d early
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close19-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€368k▼ 2.7%
2024 · €379k
2019: €348k
2020: €400k
2021: €480k
2022: €441k
2023: €416k
2024: €379k
2019 → 2025
Total assets
€505k▼ 5.5%
2024 · €534k
2019: €707k
2020: €636k
2021: €677k
2022: €682k
2023: €671k
2024: €534k
2019 → 2025
Net result
€64k▲ 181%
2024 · €23k
2019: €74k
2020: €52k
2021: €80k
2022: €12k
2023: €53k
2024: €23k
2019 → 2025
Working capital
€-8k
2024 · €16k
2019: €97k
2020: €133k
2021: €178k
2022: €73k
2023: €89k
2024: €16k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€480k-€441k▼ 8.3%€416k▼ 5.7%€379k▼ 8.9%€368k▼ 2.7%
Operating result€109k-€71k▼ 34.9%€79k▲ 11.3%€36k▼ 54.6%€92k▲ 155%
Net result€80k-€12k▼ 84.8%€53k▲ 333%€23k▼ 56.9%€64k▲ 181%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 155% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €505k
Fixed assets
€407k▼ 5.3%
Current assets
€98k▼ 6.2%
Equity and liabilities €505k
Equity
€368k▼ 2.7%
Debt
€136k▼ 12.2%
The debt ratio falls from 29.1% to 27.0%. Equity and debt are lower.
Key figures and ratios
EBITDA
€137k▲
2024 · €82k
Cash flow
€109k▲
2024 · €68k
Solvency
73.0%▲
2024 · 70.9%
Current ratio
0.93▼
2024 · 1.19
Quick ratio
0.93▼
2024 · 1.19
Debt / equity
0.37▼
2024 · 0.41
ROE
17.3%▲
2024 · 6.0%
ROA
12.6%▲
2024 · 4.2%
Interest coverage
38.42▲
2024 · 14.68
Debt
€136k▼
2024 · €155k
Debt ≤ 1 year
€106k▲
2024 · €88k
Debt > 1 year
€31k▼
2024 · €67k
Income taxes
€26k▲
2024 · €9k
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€534k€505k▼
Fixed assets21/28€430k€407k▼
Tangible fixed assets22/27€430k€407k▼
Land and buildings22€363k€347k▼
Plant, machinery and equipment23€11k€18k▲
Furniture and vehicles24€55k€42k▼
Current assets29/58€104k€98k▼
Amounts receivable within one year40/41€86k€33k▼
Trade receivables40€23k€23k▼
Other amounts receivable41€63k€10k▼
Current investments50/53€0-
Cash at bank and in hand54/58€18k€64k▲
Equity and liabilities
Total equity and liabilities10/49€534k€505k▼
Equity10/15€379k€368k▼
Contributions10/11€12k€12k=
Reserves13€366k€356k▼
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€366k€356k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€155k€136k▼
Amounts payable after more than one year17€67k€31k▼
Financial debts170/4€67k€31k▼
Amounts payable within one year42/48€88k€106k▲
Current portion of amounts payable after more than one year42€80k€85k▲
Trade debts44€5k€2k▼
Suppliers440/4€5k€2k▼
Taxes, remuneration and social security45€3k€19k▲
Taxes450/3€3k€19k▲
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€46k€45k▼
Other operating charges640/8€3k€3k▲
Gross operating margin9900€85k€140k▲
Operating profit (loss)9901€36k€92k▲
Financial income75/76B€2k€1k▼
Recurring financial income75€2k€1k▼
Financial charges65/66B€6k€4k▼
Recurring financial charges65€6k€4k▼
Profit (loss) for the period before taxes9903€32k€89k▲
Income taxes67/77€9k€26k▲
Profit (loss) for the period9904€23k€64k▲
Profit (loss) for the period to be appropriated9905€23k€64k▲
Appropriation of the result
Profit (loss) to be appropriated9906€23k€64k▲
Transfer from equity791/2€60k€74k▲
Transfer to equity691/2€23k€64k▲
To other reserves6921€23k€64k▲
Profit to be distributed694/7€60k€74k▲
Return on contributions (dividend)694€60k€74k▲
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
2025
22-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
10-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
26-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
31-03
Financial
Weakest financial yearnet €12k ▼84.8%
Net result drops to €12k, the lowest in the series; recovery starts the following year.
2021
31-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-03
Financial
Highest result since 2019net €80k ▲52.7%
Operating result €109k, net result €80k, both a record.
2020
07-09
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2019
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
07-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
27-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
30-09
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
1 act for this company is 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, Sint-Niklaas · 1 establishment unit since 2004
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.
Elzenstraat 129112 Sint-NiklaasGround area
639 m²
Building footprint
145 m²
Volume, LiDAR
874 m³
Parcel 46019B1280/00F002, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CERTECO
since 20042.138.021.144
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46019B1280/00F002 | Flanders | 639 m² | 1 · 145 m² | 8.4 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.
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FUTUR PROJECTS
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Of 82,554 companies in sector 70200 we hold annual accounts for 52,573. 36,874 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-07-2004
Fiscal year end31-03
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 20 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.