CERTIFIN
CERTIFIN has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €1.33M and a net result of €243k. Equity is growing by ~16.2% per year across the filed fiscal years. Its solvency ranks better than 82% of 8388 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
| Equity | €1.33M |
| Net result | €243k |
| Better than sector | 82% |
| Active | 11 yrs |
Exceptional profile, strong across almost every axis.
All 5 axes are computed from data Checked has read.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 86.1% | 53.1% | |
| Net result | €243k | €38k | |
| Equity | €1.33M | €354k | |
| Gross operating margin | €383k | €87k | |
| Employees (FTE) | 0.0 | 0.0 |
Figures by fiscal year and ratios
| Fiscal year | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Deposit | abbreviated schema | abbreviated schema | abbreviated schema | abbreviated schema |
| Revenue | - | - | - | - |
| EBITDA | €375k | €441k | €395k | €428k |
| Net profit | €243k | €298k | €292k | €325k |
| Cash flow | €280k | €327k | €308k | €332k |
| Staff costs | - | - | - | - |
| Income taxes | €79k | €88k | €76k | €97k |
| Dividends | €0 | €150k | €200k | €200k |
| Total assets | €1.55M | €1.67M | €1.61M | €1.36M |
| Equity | €1.33M | €1.09M | €938k | €846k |
| Debt | €138k | €508k | €603k | €459k |
| of which ≤ 1y | €138k | €474k | €535k | €459k |
| of which > 1y | €0 | €35k | €68k | - |
| Working capital | €694k | €546k | €590k | €645k |
| Employees (FTE) | 0.0 | 0.0 | 0.0 | - |
| 2025 | 2024 | 2023 | 2022 | |
|---|---|---|---|---|
| Current ratio | 6.03 | 2.15 | 2.10 | 2.40 |
| Quick ratio | 6.03 | 2.15 | 2.10 | 2.40 |
| Working capital ratio | 44.9% | 32.7% | 36.7% | 47.5% |
| Solvency | 86.1% | 65.1% | 58.3% | 62.3% |
| Debt / equity | 0.10 | 0.47 | 0.64 | 0.54 |
| Long-term debt ratio | 0.00 | 0.03 | 0.07 | - |
| Interest coverage | 12.86 | 13.66 | 31.53 | 95.07 |
| Gross margin | - | - | - | - |
| Net margin | - | - | - | - |
| ROA | 15.7% | 17.9% | 18.2% | 24.0% |
| ROE | 18.3% | 27.4% | 31.2% | 38.5% |
| EBITDA margin | - | - | - | - |
| Days sales outstanding | - | - | - | - |
| Days payable outstanding | - | - | - | - |
| Inventory turnover | - | - | - | - |
| Days inventory (DSI) | - | - | - | - |
Full annual accounts (25 line items)
| Line item | Code | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Balance sheet, Assets | |||||
| TOTAL ASSETS | 20/58 | €1.55M | €1.67M | €1.61M | €1.36M |
| Fixed assets | 21/28 | €714k | €651k | €483k | €253k |
| Intangible fixed assets | 21 | €341 | €851 | €1k | - |
| Tangible fixed assets | 22/27 | €713k | €650k | €481k | €253k |
| Current assets | 29/58 | €832k | €1.02M | €1.13M | €1.10M |
| Amounts receivable within one year | 40/41 | €691k | €880k | €937k | €759k |
| Cash & bank | 54/58 | €136k | €140k | €187k | €342k |
| Balance sheet, Equity & liabilities | |||||
| TOTAL EQUITY & LIABILITIES | 10/49 | €1.55M | €1.67M | €1.61M | €1.36M |
| Equity | 10/15 | €1.33M | €1.09M | €938k | €846k |
| Contributions / capital | 10/11 | €19k | €19k | €19k | €19k |
| Reserves | 13 | €1.28M | €1.04M | €892k | €807k |
| Accumulated profits (losses) | 14 | €28k | €27k | €27k | €20k |
| Provisions & deferred taxes | 16 | €77k | €75k | €67k | €52k |
| Amounts payable | 17/49 | €138k | €508k | €603k | €459k |
| Amounts payable after one year | 17 | €0 | €35k | €68k | - |
| Amounts payable within one year | 42/48 | €138k | €474k | €535k | €459k |
| Trade debts payable within one year | 44 | €28k | €218k | €35k | €169k |
| Income statement | |||||
| Gross operating margin | 9900 | €383k | €443k | €397k | €428k |
| Operating result | 9901 | €338k | €413k | €380k | €421k |
| Financial income | 75 | €15k | €15k | €16k | €20k |
| Financial charges | 65 | €29k | €32k | €13k | €4k |
| Result before taxes | 9903 | €324k | €395k | €383k | €437k |
| Income taxes | 67/77 | €79k | €88k | €76k | €97k |
| Net result for the period | 9904 | €243k | €298k | €292k | €325k |
| Result to be appropriated | 9905 | €237k | €270k | €247k | €281k |
| NACE primary | Business and other management consultancy(70200) |
| Legal form | Private limited company(610) |
| Incorporation | 21-01-2015 |
| Status | Active |
| Postal code | 9250 |
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42023B0789/00_000 | Flanders | 6,042 m² | - | - |
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
18-12-2023 Registered office moved from Zele to Waasmunster
- Kamershoek 35 9240 Zele → Koningin Astridstraat 8 D, 9250 Waasmunster
Technical details
{
"events": [
{
"kind": "zetel_transfer",
"seat_type": "siege_social",
"new_address": {
"raw": "Koningin Astridstraat 8 D, 9250 Waasmunster",
"city": "Waasmunster",
"region": "vlaams_gewest",
"street": "Koningin Astridstraat",
"country": "BE",
"postcode": "9250",
"box_number": "D",
"street_number": "8",
"locality_suffix": null
},
"old_address": {
"raw": "Kamershoek 35 9240 Zele",
"city": "Zele",
"region": "vlaams_gewest",
"street": "Kamershoek",
"country": "BE",
"postcode": "9240",
"box_number": null,
"street_number": "35",
"locality_suffix": null
},
"effective_date": "2023-11-15",
"evidence_quote": "",
"region_changed": false,
"is_statute_change": true,
"nationality_change": false,
"old_address_source": "header_volledig_adres",
"statute_clause_text": null,
"statute_article_number": null,
"effective_date_qualifier": "immediate",
"statutaire_vs_werkelijke": "statutaire",
"linguistic_region_changed": false,
"court_jurisdiction_changed": false,
"effective_date_is_approximate": false
}
],
"notary": {
"name": null,
"firm_city": null,
"firm_name": null,
"office_city": null,
"is_associated": false
},
"act_meta": {
"language": "nl",
"pub_date": "2023-12-18",
"filing_date": "2023-12-07",
"act_kind_objet": "Onderwerp akte:"
},
"decision": {
"body": "raad_van_bestuur",
"date": "2023-11-15",
"unanimous": true
},
"subject_company": {
"kbo": "0568.903.119",
"name_full": "Certifin",
"legal_form": "BV",
"_kbo_filled_from_list": true
},
"publication_proxy": {
"kind": "person",
"org_kbo": null,
"org_name": null,
"person_name": "Karien Baert",
"org_rep_person_name": null,
"person_role_at_subject": "Bestuurder"
},
"co_filed_documents": [
"Notulen van de Raad van Bestuur"
]
}15-12-2022 Registered office moved from Lokeren to Zele
- Daknammolenstraat 43 - 9160 Lokeren → Kamershoek 35, 9240 Zele
Technical details
{
"events": [
{
"kind": "zetel_transfer",
"seat_type": "siege_social",
"new_address": {
"raw": "Kamershoek 35, 9240 Zele",
"city": "Zele",
"region": "vlaams_gewest",
"street": "Kamershoek",
"country": "BE",
"postcode": "9240",
"box_number": null,
"street_number": "35",
"locality_suffix": null
},
"old_address": {
"raw": "Daknammolenstraat 43 - 9160 Lokeren",
"city": "Lokeren",
"region": "vlaams_gewest",
"street": "Daknammolenstraat",
"country": "BE",
"postcode": "9160",
"box_number": null,
"street_number": "43",
"locality_suffix": null
},
"effective_date": "2022-11-21",
"evidence_quote": "",
"region_changed": false,
"is_statute_change": true,
"nationality_change": false,
"old_address_source": "header_volledig_adres",
"statute_clause_text": null,
"statute_article_number": null,
"effective_date_qualifier": "immediate",
"statutaire_vs_werkelijke": "statutaire",
"linguistic_region_changed": false,
"court_jurisdiction_changed": false,
"effective_date_is_approximate": false
}
],
"notary": {
"name": null,
"firm_city": null,
"firm_name": null,
"office_city": null,
"is_associated": false
},
"act_meta": {
"language": "nl",
"pub_date": "2022-12-15",
"filing_date": "2022-12-06",
"act_kind_objet": "Onderwerp akte:"
},
"decision": {
"body": "raad_van_bestuur",
"date": "2022-11-16",
"unanimous": true
},
"subject_company": {
"kbo": "0568.903.119",
"name_full": "Certifin",
"legal_form": "BV"
},
"publication_proxy": {
"kind": "person",
"org_kbo": null,
"org_name": null,
"person_name": "Karien Baert",
"org_rep_person_name": null,
"person_role_at_subject": "Bestuurder"
},
"co_filed_documents": [
"Notulen van de Raad van Bestuur"
]
}| Legal nameNL | CERTIFIN |