CERTI-LABEL

Active

Private limited companyfounded 20224 yrs activeRue du Douaire 4, 6640 Vaux-sur-Sûre, BelgiumKBO/BCE: BE 0789.801.813

The computed 12-month bankruptcy probability of CERTI-LABEL is 2.8% (moderate). The 2025 annual accounts show equity of €41k and a net result of €-7k. Equity is shrinking by ~16.3% per year across the filed fiscal years. Its solvency ranks better than 79% of 7311 sector peers (fiscal year 2025). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2025

78 / 100

Excellent▲ +8 vs 2024

The score combines four axes. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability0=

Solvency100▲+7

Growth32=

Stability94

Bankruptcy probability, 12 months

2.8% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €3k at 30 days acceptable

Liquidity ample (current ratio 2.06 against 1.69 in 2024), and 29.2% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Eight signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 41

Relative position

BE, all sectors

reference

Sector 41

higher

← fewer bankruptcies more bankruptcies →

Annual accounts: weaker financial profile

The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

70.8%

Return on assets

-11.5%

Age of the figures

8 mo

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Persistent losses

Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.

NBB · annual accounts 2025

Net result per financial year

232425

2023 to 2025 · latest year -€7k

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 02-06-2026, 59 days ahead of the deadline.

NBB · 3 filings

Deviation from the deadline

2025

59 d early

2024

41 d early

2023

62 d early

← before the deadline after the deadline →

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.

Companies Code · seven months

Position in the running window

13-09-2026 today31-12-2026 close31-07-2027 deadline

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

Financials · fiscal year 2025, micro schema

Equity

€41k▼ 14.0%

2024 · €48k

2023: €57k 2024: €48k

2023 → 2025

Total assets

€58k▼ 12.7%

2024 · €67k

2023: €78k 2024: €67k

2023 → 2025

Net result

€-7k▲ 25.2%

2024 · €-9k

2023: €53k 2024: €-9k

2023 → 2025

Working capital

€18k▲ 38.2%

2024 · €13k

2023: €14k 2024: €13k

2023 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line202320242025Trend

Equity€57k-€48k▼ 15.8%€41k▼ 14.0%

Operating result€78k-€-8k€-6k▲ 26.5%

Net result€53k-€-9k€-7k▲ 25.2%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result stays negative: a loss of €6k in 2025 against €8k in 2024; the loss shrinks.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €58k

39.9%

60.1%

Fixed assets €23k▼ 33.4%

Current assets €35k▲ 10.0%

Equity and liabilities €58k

70.8%

29.2%

Equity €41k▼ 14.0%

Debt €17k▼ 9.5%

The debt ratio rises from 28.2% to 29.2%: equity shrinks faster than debt is paid down.

Key figures and ratios

2025 value · change against 2024

EBITDA

€5k▲

2024 · €3k

Cash flow

€5k▲

2024 · €3k

Solvency

70.8%▼

2024 · 71.8%

Current ratio

2.06▲

2024 · 1.69

Quick ratio

2.06▲

2024 · 1.69

Debt / equity

0.41▲

2024 · 0.39

ROE

-16.3%▲

2024 · -18.7%

ROA

-11.5%▲

2024 · -13.4%

Interest coverage

38.62▲

2024 · 21.78

Debt

€17k▼

2024 · €19k

Debt ≤ 1 year

€17k▼

2024 · €19k

Income taxes

€327▼

2024 · €336

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€67k€58k▼

Fixed assets21/28€35k€23k▼

Tangible fixed assets22/27€35k€23k▼

Land and buildings22€2k€1k▼

Plant, machinery and equipment23€3k€2k▼

Furniture and vehicles24€31k€20k▼

Current assets29/58€32k€35k▲

Amounts receivable within one year40/41€8k€7k▼

Trade receivables40€3k€6k▲

Other amounts receivable41€5k€1k▼

Cash at bank and in hand54/58€22k€27k▲

Deferred charges and accrued income490/1€1k€2k▲

Equity and liabilities

Total equity and liabilities10/49€67k€58k▼

Equity10/15€48k€41k▼

Contributions10/11€5k€5k=

Reserves13€52k€52k=

Distributable reserves133€52k€52k=

Profit (loss) carried forward14€-9k€-16k▼

Amounts payable17/49€19k€17k▼

Amounts payable within one year42/48€19k€17k▼

Trade debts44€3k€2k▼

Suppliers440/4€3k€2k▼

Taxes, remuneration and social security45€2k€482▼

Taxes450/3€2k€482▼

Other amounts payable47/48€13k€14k▲

Income statement Code20242025

Remuneration, social security and pensions62€74-

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€12k€12k▲

Other operating charges640/8€665€1k▲

Non-recurring operating charges66A€248-

Gross operating margin9900€4k€7k▲

Operating profit (loss)9901€-8k€-6k▲

Financial charges65/66B€140€140▲

Recurring financial charges65€140€140▲

Profit (loss) for the period before taxes9903€-9k€-6k▲

Income taxes67/77€336€327▼

Profit (loss) for the period9904€-9k€-7k▲

Profit (loss) for the period to be appropriated9905€-9k€-7k▲

Appropriation of the result

Profit (loss) to be appropriated9906€-9k€-16k▼

Profit (loss) brought forward from the previous period14P-€-9k

The notes to these accounts (4 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 4Financial 1Filings 3

Next filing, fiscal year 2026, expected by 31-07-2027

2026

02-06

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

20-06

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-12

Financial Weakest financial yearnet €-9k ▼117%

Net result drops to €-9k, the lowest in the series; recovery starts the following year.

30-05

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

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, Vaux-sur-Sûre · 1 establishment unit since 2022

establishment The establishment unit on the map

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.

Rue du Douaire 46640 Vaux-sur-Sûre

Ground area

6,378 m²

Parcel 82023B0661/00R000, Wallonia. Linked by address, not a title deed.

1 establishment unit

CERTI-LABEL

Rue du Douaire 4, 6640 Vaux-sur-SûreFloor and wall tiling

since 20222.334.637.669

1 parcel

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
82023B0661/00R000	Wallonia	6,378 m²	-	-

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.

Similar companies · same sector, comparable size

Of 333 companies in sector 41002 we hold annual accounts for 132. 89 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded19-08-2022

Fiscal year end31-12

Activities, NACEBEL

41002Construction of residential and non-residential buildings

43120Site preparation

74909Other professional, scientific and technical activities

74999Other professional, scientific and technical activities

Sources

Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers

Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.

Contact details

2 entries

Website:www.certi-label.be

Enterprise

E-mail:certi-label@hotmail.com

Enterprise