CERTIFIN VI
ActiveCERTIFIN VI has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €47k and a net result of €22k. Its solvency ranks better than 62% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
88
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency93▲+30
Growth52
Track record94
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 3.06 against 1.72 in 2024; short-term debt: 32.3% and cash: 47.3% of total assets), and 32.3% 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+raises 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 →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
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 30-10-2025, 1 day ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
1 d early
2024
29 d late
← 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 close22-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€47k▲ 91.1%
2024 · €24k
2024: €24k
2024 → 2025
Total assets
€69k▲ 6.9%
2024 · €65k
2024: €65k
2024 → 2025
Net result
€22k▼ 12.5%
2024 · €25k
2024: €25k
2024 → 2025
Working capital
€46k▲ 69.8%
2024 · €27k
2024: €27k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€24k-€47k▲ 91.1%
Operating result€33k-€27k▼ 17.6%
Net result€25k-€22k▼ 12.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 18% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €69k
Fixed assets
€796
Current assets
€68k
Equity and liabilities €69k
Equity
€47k▲ 91.1%
Debt
€22k▼ 44.4%
The debt ratio falls from 62.1% to 32.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€28k
Cash flow
€23k
Solvency
67.7%▲
2024 · 37.9%
Current ratio
3.06▲
2024 · 1.72
Quick ratio
3.06▲
2024 · 1.72
Debt / equity
0.48▼
2024 · 1.64
ROE
47.7%▼
2024 · 104.1%
ROA
32.3%▼
2024 · 39.5%
Interest coverage
48.95
Debt
€22k▼
2024 · €40k
Debt ≤ 1 year
€22k▼
2024 · €38k
Debt > 1 year
€0▼
2024 · €3k
Income taxes
€6k▼
2024 · €7k
Staff costs
€24k▼
2024 · €40k
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€65k€69k▲
Fixed assets21/28-€796
Tangible fixed assets22/27-€796
Plant, machinery and equipment23-€796
Current assets29/58€65k€68k▲
Amounts receivable within one year40/41€44k€34k▼
Trade receivables40€13k€10k▼
Other amounts receivable41€31k€24k▼
Cash at bank and in hand54/58€21k€33k▲
Deferred charges and accrued income490/1-€2k
Equity and liabilities
Total equity and liabilities10/49€65k€69k▲
Equity10/15€24k€47k▲
Contributions10/11€5k€5k=
Reserves13€19k€42k▲
Distributable reserves133€19k€42k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€40k€22k▼
Amounts payable after more than one year17€3k€0▼
Financial debts170/4€3k€0▼
Amounts payable within one year42/48€38k€22k▼
Current portion of amounts payable after more than one year42€5k€3k▼
Trade debts44€1k€1k▼
Suppliers440/4€1k€1k▼
Taxes, remuneration and social security45€25k€18k▼
Taxes450/3€17k€11k▼
Remuneration and social security454/9€8k€7k▼
Other amounts payable47/48€6k€0▼
Income statement
Code20242025
Remuneration, social security and pensions62€40k€24k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€291
Other operating charges640/8€882€818▼
Gross operating margin9900€75k€53k▼
Operating profit (loss)9901€33k€27k▼
Financial income75/76B-€1k
Recurring financial income75-€1k
Financial charges65/66B€581€568▼
Recurring financial charges65€581€568▼
Profit (loss) for the period before taxes9903€33k€28k▼
Income taxes67/77€7k€6k▼
Profit (loss) for the period9904€25k€22k▼
Profit (loss) for the period to be appropriated9905€25k€22k▼
Appropriation of the result
Profit (loss) to be appropriated9906€25k€22k▼
Transfer to equity691/2€19k€22k▲
To other reserves6921€19k€22k▲
Profit to be distributed694/7€6k€0▼
Return on contributions (dividend)694€6k€0▼
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
30-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
29-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
NBB filing
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, Lokeren · 2 establishment units since 2022
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.
Papestraat 409160 LokerenGround area
3,164 m²
Building footprint
583 m²
Volume, LiDAR
3,305 m³
2 parcels, Flanders · tallest building 9.4 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
CERTIFIN VI
since 20222.338.988.021
CERTIFIN VI
since 20222.338.988.120
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46383D1322/00H000 | Flanders | 1,663 m² | 1 · 161 m² | 9.4 m · 2 fl. |
| 46382B0355/02C002 | Flanders | 1,500 m² | 1 · 422 m² | 9.0 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 705 EUR awarded · 705 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 705 EUR | 705 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 37,781 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-12-2022
Fiscal year end31-03
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryWebsite:www.certifin.be