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CERTECO

Active
Private limited companyfounded 2004active for 22 yearsElzenstraat 12, 9112 Sint-Niklaas, BelgiumKBO/BCE: BE 0866.284.135
Summary

CERTECO has been active since 2004 and the Belgian Official Gazette contains no insolvency or warning signals. The 2026 annual accounts show equity of €426,517 and a net result of €58,084. Equity has been stable since 2019 (±0% per year). Its solvency ranks better than 83% of 1,362 sector peers (NACE 70, financial year 2026). The computed 12-month bankruptcy probability is below 0.1% (very low).

Overview

Official details

Source: KBO
Status
Active since 07-07-2004 Normal situation
Activity
Business and other management consultancy NACE 70200
Establishment unit
2.138.021.144 9112 Sint-Niklaas, since 12-07-2004
Financial year end
31 March
Peppol
Reachable since 30-01-2025

Board and ownership

Board

Financial position

95 Excellent Checked score 2026
Bankruptcy probabilitywithin 12 months
< 0.1%
Annual accounts to 31-03-2026
Gross margin
€127,109
▼ 9.2%
Turnover
≈ €220,000
estimated
Profit
€58,084
▼ 8.6%
Equity
€426,517
▲ 15.8%
Total assets
€481,156
▼ 4.6%
Score breakdownlowers riskSize: total assets €481,156Sector: Activities of head offices; management consultancy activities (NACE 70)Equity €426,517 (88.6% of total assets)Figures for financial year 2026 (filed on 13-10-2026)Show the evidence

Checked score

Score 2026
95 / 100
Excellent
Probability in this band: under 0.55%
Financially stronger than 62% of micro companies in head offices and management consultancy (NACE 70)
Financial strength · tick: 2025
Strong
Solvency 100+2
equity 88.6% of total assets
Liquidity 57-2
short-term debt 11.4% · cash 6.1%
Profitability 84-1
return on assets 12.1%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (48,536 companies, NACE 70, micro)
Last 24 months 12-2024: 0.1% 01-2025: 0.1%● unchanged vs 12-2024 02-2025: 0.1%● unchanged vs 01-2025 03-2025: 0.1%● unchanged vs 02-2025 04-2025: 0.1%● unchanged vs 03-2025 05-2025: 0.1%● unchanged vs 04-2025 06-2025: 0.1%● unchanged vs 05-2025 07-2025: 0.1%● unchanged vs 06-2025 08-2025: 0.1%● unchanged vs 07-2025 09-2025: 0.1%● unchanged vs 08-2025highest value 10-2025: < 0.1%▼ -0.1 percentage points vs 09-2025lowest value 11-2025: < 0.1%● unchanged vs 10-2025lowest value 12-2025: < 0.1%● unchanged vs 11-2025lowest value 01-2026: < 0.1%● unchanged vs 12-2025lowest value 02-2026: < 0.1%● unchanged vs 01-2026lowest value 03-2026: < 0.1%● unchanged vs 02-2026lowest value 04-2026: < 0.1%● unchanged vs 03-2026lowest value 05-2026: < 0.1%● unchanged vs 04-2026 06-2026: < 0.1%● unchanged vs 05-2026 07-2026: < 0.1%● unchanged vs 06-2026 08-2026: < 0.1%● unchanged vs 07-2026 09-2026: < 0.1%● unchanged vs 08-2026 10-2026: < 0.1%● unchanged vs 09-2026 11-2026: < 0.1%● unchanged vs 10-2026
Credit of up to €40,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 1.82 (0.93 in 2025), above the usual 1.5. Short-term debt is 11.4% and cash 6.1% of total assets. 11.4% of the assets are financed with debt and provisions.
Calculation

The band follows from the bankruptcy probability. 10 more points roughly halve it.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 70, micro). It does better than 86% of them on solvency, 48% on liquidity, 52% on profitability and 63% on growth.

The bankruptcy probability was computed on 03-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.

Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).

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The scores and ratios are Checked's own calculations, not a credit decision.

Signals

Six signals.
lowers riskneutral
lowers risk · Size: total assets €481,156
Companies of this size fail less often. How much that weighs depends on the rest of the company's profile.
NBB · annual accounts
lowers risk · Sector: Activities of head offices; management consultancy activities (NACE 70)
KBO
lowers risk · Equity €426,517 (88.6% of total assets)
NBB · annual accounts
lowers risk · Figures for financial year 2026 (filed on 13-10-2026)
NBB · annual accounts
lowers risk · Growing equity
Reported equity is higher than in 2024 and did not fall compared with 2025. These amounts do not establish the cause of the change.
NBB · annual accounts 2026
Equity per financial year
1920212223242526
2019 to 2026 · latest year €426,517
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2026 was due by 31-10-2026 and was filed on 13-10-2026, 18 days ahead of the deadline.
NBB · 10 filings
Deviation from the deadline
2026
18 days early
2025
39 days early
2024
113 days early
2023
5 days early
2022
61 days early
2021
153 days early
2020
54 days early
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

The company filed its last 7 accounts on average 63 days before the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.

Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-03-2027 and is due by 31-10-2027. Nothing is late today. The company usually files around 22 September (4 of the last 5 accounts filed within 34 days either side of that date).
Companies Code · seven months
Where today falls in the filing period
03-11-2026 today31-03-2027 year end31-10-2027 deadline
neutral · No strike-offs in the KBO publications
That holds for every publication since 2021.
KBO publications

Key points

  • Positive: Higher solvency than 82% of companies in head offices and management consultancysector median 61.5% · 1,362 companies 88.6% View
  • Positive: Filed on time since financial year 2019accounts within the deadline every year 8 years View
  • Positive: 8 profitable years in a rowprofit 2026: €58,084 8 years View

Recent changes

  1. · Gazette deed Appointment: Roel Sengeleng (director)
  2. · Gazette deed Incorporation
All 14 events

Comparable companies

These companies have the same main activity as CERTECO: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €444,000 and €530,000, founded between 2003 and 2006.

CompanyTotal assetsGross margin
CERTECO Sint-Niklaas€481,156€127,109
ANTARES Oosterzele€530,090€132,680
H.D.M. SERVICE Oudenaarde€529,807€131,655
CROSSOVER Gent€453,915€117,187
LOCOFIN Gent€518,065€135,734
DDSMG Dendermonde€443,503€130,998
RED Gent€449,610€122,926
Full comparison

Key facts about CERTECO

What is the company number of CERTECO?
The company number of CERTECO is 0866.284.135. The VAT number is the same number with BE in front: BE 0866.284.135.
Where is CERTECO based?
The registered office is at Elzenstraat 12, 9112 Sint-Niklaas.Company details
What does CERTECO do?
According to the KBO register, the main activity is business and other management consultancy (NACE 70200).
What is the legal form of CERTECO?
The legal form of CERTECO is Private limited company (BV).
When was CERTECO founded?
CERTECO was founded on 07-07-2004.
Is CERTECO still active?
Yes, CERTECO is an active enterprise in the KBO register.
What is the turnover of CERTECO?
The turnover in financial year 2026 is ≈ €220,000. This figure is estimated from the gross margin of €127,109 and 110 comparable companies (NACE 70200). It probably lies between €180,000 and €260,000.Financials
Is CERTECO profitable?
In financial year 2026, CERTECO made a profit of €58,084.
Where can I find the annual accounts of CERTECO?
CERTECO filed 21 annual accounts with the National Bank of Belgium, the latest for financial year 2026.
When are the next annual accounts of CERTECO due?
CERTECO must file the annual accounts for financial year 2027 by 31-10-2027.Timeline

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