CERTIFAS

Active

Private limited companyfounded 20233 yrs activeRonsen Heerweg 5, 9700 Oudenaarde, BelgiumKBO/BCE: BE 0803.285.110

CERTIFAS has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €6k and a net result of €2k. Its solvency ranks better than 76% of 3461 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).

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Checked score

Score 2025

89 / 100

Excellent

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability100▲+70

Solvency100▲+4

Growth78

Track record94

Bankruptcy probability, 12 months

0.8% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €500 at 30 days acceptable

Liquidity ample (current ratio 4.22 against 3.49 in 2024; short-term debt: 23.7% and cash: 82.9% of total assets), and 23.7% 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

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

−lowers risk+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

Lower-failure-rate sector

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

Gazette · bankruptcies per sector, NACE 74

Relative position

BE, all sectors

reference

Sector 74

lower

← fewer bankruptcies more bankruptcies →

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

76.3%

Return on assets

29.7%

Age of the figures

12 mo

Latest accounts filed on time

The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 19-03-2026, 42 days ahead of the deadline.

NBB · 2 filings

Deviation from the deadline

2025

42 d early

2024

48 d early

← before the deadline after the deadline →

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 months

Position in the running window

18-09-2026 today30-09-2026 close30-04-2027 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

€6k▲ 63.9%

2024 · €4k

2024: €4k

2024 → 2025

Total assets

€8k▲ 53.3%

2024 · €5k

2024: €5k

2024 → 2025

Net result

€2k

2024 · €-158

2024: €-158

2024 → 2025

Working capital

€6k▲ 63.9%

2024 · €4k

2024: €4k

2024 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20242025Trend

Equity€4k-€6k▲ 63.9%

Operating result€-50-€3k

Net result€-158-€2k

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

Result per fiscal year

Operating resultNet result

The operating result returns to profit in 2025: €3k after a loss of €50 in 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Equity and liabilities €8k

76.3%

23.7%

Equity €6k▲ 63.9%

Debt €2k▲ 27.0%

The debt ratio falls from 28.6% to 23.7%. Equity and debt are higher.

Key figures and ratios

2025 value · change against 2024

Solvency

76.3%▲

2024 · 71.4%

Current ratio

4.22▲

2024 · 3.49

Quick ratio

4.22▲

2024 · 3.49

Debt / equity

0.31▼

2024 · 0.40

ROE

39.0%▲

2024 · -4.1%

ROA

29.7%▲

2024 · -2.9%

Debt

€2k▲

2024 · €2k

Debt ≤ 1 year

€2k▲

2024 · €2k

Income taxes

€820

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€5k€8k▲

Current assets29/58€5k€8k▲

Amounts receivable within one year40/41€654€18▼

Trade receivables40€534-

Other amounts receivable41€120€18▼

Cash at bank and in hand54/58€3k€7k▲

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

Equity and liabilities

Total equity and liabilities10/49€5k€8k▲

Equity10/15€4k€6k▲

Contributions10/11€4k€4k=

Reserves13-€2k

Distributable reserves133-€2k

Profit (loss) carried forward14€-158-

Amounts payable17/49€2k€2k▲

Amounts payable within one year42/48€2k€2k▲

Trade debts44-€496

Suppliers440/4-€496

Taxes, remuneration and social security45-€820

Taxes450/3-€820

Other amounts payable47/48€2k€641▼

Income statement Code20242025

Other operating charges640/8-€144

Gross operating margin9900€-50€3k▲

Operating profit (loss)9901€-50€3k▲

Financial income75/76B-€1

Recurring financial income75-€1

Financial charges65/66B€108€54▼

Recurring financial charges65€108€54▼

Profit (loss) for the period before taxes9903€-158€3k▲

Income taxes67/77-€820

Profit (loss) for the period9904€-158€2k▲

Profit (loss) for the period to be appropriated9905€-158€2k▲

Appropriation of the result

Profit (loss) to be appropriated9906€-158€2k▲

Profit (loss) brought forward from the previous period14P-€-158

Transfer to equity691/2-€2k

To other reserves6921-€2k

The notes to these accounts (1 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 3Financial 1Filings 2

Next filing, fiscal year 2026, expected by 30-04-2027

2026

19-03

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

30-09

Financial Back to profitnet €2k

Net result €2k after one loss-making year.

13-03

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

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

Directors · office · real estate

Directors

We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.

Location & real-estate footprint

Registered office, Oudenaarde · 1 establishment unit since 2023

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.

Ronsen Heerweg 59700 Oudenaarde

Ground area

1,085 m²

Building footprint

181 m²

Volume, LiDAR

962 m³