CERTIM.PRO
ActiveSummary
CERTIM.PRO has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €187,805 and a net result of €98,306. Equity is growing by ~10% per year across the filed fiscal years. Its solvency ranks better than 34% of 32023 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability92▲+4
Solvency61▼-39
Growth58▼-20
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15,000 at 30 days acceptable
Liquidity ample (current ratio 1.5 against 31.5 in 2024; short-term debt: 64% and cash: 88.5% of total assets), but 64% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Five 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
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
36%
Return on assets
18.8%
Age of the figures
9 mo
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-07-2026, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
on the day
2023
21 d late
2022
6 d early
2021
29 d late
2020
24 d late
2019
13 d late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 11 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 32% of the sector filed late.
Checked, nothing found (2)
neutral · 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. Usually files around 31 July (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
30-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
How much credit can you give this customer, and on what term?Credit check What should you check before you do business with this company?Supplier due diligence Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check How does this company compare with its sector?Sector benchmark What changed in the latest annual accounts?What changed
Is this your company? See how customers and banks see it.
Investigating this company? Keep it with today's facts in a case file.
Financials · fiscal year 2025, micro schema
Equity
€187,805▼ 57.0%
2024 · €436,664
Total assets
€522,315▲ 16.0%
2024 · €450,416
Net result
€98,306▲ 44.3%
2024 · €68,135
Working capital
€168,650▼ 59.8%
2024 · €419,455
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€32,163▼ 30.6%€27,515▼ 14.5%€75,596▲ 175%€129,445▲ 71.2%€143,586▲ 10.9%
Net result€8,108within the sector's middle half▼ 79.8%€19,128within the sector's middle half▲ 136%€53,675within the sector's middle half▲ 181%€68,135above the sector's middle half▲ 26.9%€98,306above the sector's middle half▲ 44.3%
Equity€295,725above the sector's middle half▲ 2.8%€314,853above the sector's middle half▲ 6.5%€368,528above the sector's middle half▲ 17.0%€436,664above the sector's middle half▲ 18.5%€187,805within the sector's middle half▼ 57.0%
Total assets€395,127within the sector's middle half▲ 18.9%€367,574within the sector's middle half▼ 7.0%€379,096within the sector's middle half▲ 3.1%€450,416within the sector's middle half▲ 18.8%€522,315above the sector's middle half▲ 16.0%
Debt€99,402▲ 123%€52,721▼ 47.0%€10,568▼ 80.0%€13,753▲ 30.1%€334,511▲ 2,332%
Working capital€293,176above the sector's middle half▲ 2.3%€313,269above the sector's middle half▲ 6.9%€350,049above the sector's middle half▲ 11.7%€419,455above the sector's middle half▲ 19.8%€168,650above the sector's middle half▼ 59.8%
Solvency74.8%within the sector's middle half▼ 11.7pp85.7%above the sector's middle half▲ 10.8pp97.2%above the sector's middle half▲ 11.6pp96.9%above the sector's middle half▼ 0.3pp36.0%within the sector's middle half▼ 61.0pp
Current ratio3.95within the sector's middle half▼ 3.476.94above the sector's middle half▲ 2.9934.12above the sector's middle half▲ 27.1831.50above the sector's middle half▼ 2.621.50within the sector's middle half▼ 30.00
Return on assets (ROA)2.1%within the sector's middle half▼ 10.0pp5.2%within the sector's middle half▲ 3.2pp14.2%within the sector's middle half▲ 9.0pp15.1%within the sector's middle half▲ 1.0pp18.8%within the sector's middle half▲ 3.7pp
above
within
below
the middle half (P25 to P75) of NACE 70, Activities of head offices; management consultancy activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 11% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €522,315
Fixed assets
€19,155 ▲ 11.3%
Current assets
€503,161 ▲ 16.1%
Equity and liabilities €522,315
Equity
€187,805 ▼ 57.0%
Debt
€334,511 ▲ 2,332%
Debt's share of the balance-sheet total rises from 3.1% to 64.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€145,748▲
2024 · €131,489
Cash flow
€100,468▲
2024 · €70,179
Debt to equity
1.78▲
2024 · 0.03
ROE
52.3%▲
2024 · 15.6%
Interest coverage
1369.04▲
2024 · 43.28
Debt ≤ 1 year
€334,511▲
2024 · €13,753
Income taxes
€45,947▼
2024 · €58,272
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 17,811 companies that looked in July 2024 the way this one looks now, 0.3% went bankrupt within 24 months and 97% are still going.
- Small
- 10 to 20 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
0.3%
went bankrupt
3.2%
stopped otherwise
97%
still going
For this company itself Checked computes a bankruptcy probability of 0.2% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 17,811 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €930 | €966 | €1,215 | €2,044 | €2,162 | ▲ 5.8% |
| Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4 | - | - | - | - | €15,291 | - |
| Other operating charges640/8 | €412 | €1,019 | €1,449 | €1,472 | €882 | ▼ 40.1% |
| Gross operating margin9900 | €33,505 | €29,499 | €78,260 | €132,961 | €161,921 | ▲ 21.8% |
| Operating profit (loss)9901 | €32,163 | €27,515 | €75,596 | €129,445 | €143,586 | ▲ 10.9% |
| Financial income75/76B | €5 | €0 | €0 | - | €774 | - |
| Recurring financial income75 | €5 | €0 | €0 | - | €774 | - |
| Financial charges65/66B | €1,194 | €877 | €177 | €3,038 | €106 | ▼ 96.5% |
| Recurring financial charges65 | €1,194 | €877 | €177 | €3,038 | €106 | ▼ 96.5% |
| Profit (loss) for the period before taxes9903 | €30,973 | €26,638 | €75,419 | €126,407 | €144,253 | ▲ 14.1% |
| Income taxes67/77 | €22,865 | €7,510 | €21,744 | €58,272 | €45,947 | ▼ 21.2% |
| Profit (loss) for the period9904 | €8,108 | €19,128 | €53,675 | €68,135 | €98,306 | ▲ 44.3% |
| Transfer to tax-exempt reserves689 | - | - | €25,260 | €50,520 | €33,680 | ▼ 33.3% |
| Profit (loss) for the period to be appropriated9905 | €8,108 | €19,128 | €28,415 | €17,615 | €64,626 | ▲ 267% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €395,127 | €367,574 | €379,096 | €450,416 | €522,315 | ▲ 16.0% |
| Fixed assets21/28 | €2,550 | €1,584 | €18,479 | €17,208 | €19,155 | ▲ 11.3% |
| Tangible fixed assets22/27 | €2,550 | €1,584 | €18,479 | €17,208 | €19,155 | ▲ 11.3% |
| Furniture and vehicles24 | €1,156 | €343 | €15 | €487 | €4,176 | ▲ 757% |
| Other tangible fixed assets26 | €1,394 | €1,241 | €18,464 | €16,721 | €14,978 | ▼ 10.4% |
| Current assets29/58 | €392,578 | €365,990 | €360,617 | €433,208 | €503,161 | ▲ 16.1% |
| Amounts receivable within one year40/41 | €22,226 | €31,817 | €1,526 | €22,365 | €39,938 | ▲ 78.6% |
| Trade receivables40 | €13,986 | €17,965 | €1,452 | €5,375 | €39,938 | ▲ 643% |
| Other amounts receivable41 | €8,240 | €13,852 | €74 | €16,990 | - | - |
| Cash at bank and in hand54/58 | €370,351 | €334,173 | €359,091 | €409,572 | €462,398 | ▲ 12.9% |
| Deferred charges and accrued income490/1 | - | - | - | €1,272 | €824 | ▼ 35.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €395,127 | €367,574 | €379,096 | €450,416 | €522,315 | ▲ 16.0% |
| Equity10/15 | €295,725 | €314,853 | €368,528 | €436,664 | €187,805 | ▼ 57.0% |
| Contributions10/11 | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €289,525 | €308,653 | €362,328 | €430,463 | €176,478 | ▼ 59.0% |
| Non-distributable reserves130/1 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Reserves not available under the articles1311 | €1,860 | €1,860 | €1,860 | €1,860 | €1,860 | = |
| Tax-exempt reserves132 | - | - | €25,260 | €75,780 | €109,460 | ▲ 44.4% |
| Distributable reserves133 | €287,665 | €306,793 | €335,208 | €352,823 | €65,158 | ▼ 81.5% |
| Profit (loss) carried forward14 | - | - | - | - | €5,126 | - |
| Amounts payable17/49 | €99,402 | €52,721 | €10,568 | €13,753 | €334,511 | ▲ 2,332% |
| Amounts payable within one year42/48 | €99,402 | €52,721 | €10,568 | €13,753 | €334,511 | ▲ 2,332% |
| Current portion of amounts payable after more than one year42 | - | €1,259 | - | - | - | - |
| Trade debts44 | €19,729 | €19,200 | €794 | €4,641 | €1,330 | ▼ 71.3% |
| Suppliers440/4 | €19,729 | €19,200 | €794 | €4,641 | €1,330 | ▼ 71.3% |
| Advances received on contracts in progress46 | €10,856 | - | - | - | - | - |
| Taxes, remuneration and social security45 | €20,870 | €2,741 | €1,947 | €9,112 | €29,896 | ▲ 228% |
| Taxes450/3 | €20,870 | €2,741 | €1,947 | €9,112 | €29,896 | ▲ 228% |
| Other amounts payable47/48 | €47,947 | €29,521 | €7,827 | - | €303,284 | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €8,108 | €19,128 | €53,675 | €68,135 | €98,306 | ▲ 44.3% |
| + Depreciation and write-downs630 | €930 | €966 | €1,215 | €2,044 | €2,162 | ▲ 5.8% |
| Operating cash flow (approximation) | €9,037 | €20,093 | €54,890 | €70,179 | €100,468 | ▲ 43.2% |
| Investment in fixed assets (approximation) | - | €0 | -€18,110 | -€773 | -€4,108 | ▼ 431% |
| Change in cash | - | -€36,178 | €24,918 | €50,481 | €52,827 | ▲ 4.6% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2018net €98,306 ▲44.3%
Operating result €143,586, net result €98,306, both a record.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
21-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 21 days late
2023
31-12
Financial
Liquidity times 5current ratio 34.12
Current ratio from 6.94 to 34.12; short-term debt falls from €52,721 to €10,568.
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 29 days late
2021
31-12
Financial
Weakest financial yearnet €8,108 ▼79.8%
Net result drops to €8,108, the lowest in the series; recovery starts the following year.
24-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 24 days late
2020
13-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 13 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
27-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 27 days late
2017
24-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
Have them read with priority
Sign in to place this company at the front of the reading queue.
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, Bernissart · 1 establishment unit since 2014
Ground area
4,666 m²
Building footprint
184 m²
Volume, LiDAR
1,292 m³
Parcel 51522B0029/00W006, Wallonia · tallest building 14.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CERTIM.PRO
since 20142.226.466.338
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 51522B0029/00W006 | Wallonia | 4,666 m² | 1 · 184 m² | 14.9 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
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
ElicTIC Consulting
BE 0685.478.907
Jodoigne · Eq €187,810
NexaBrand Collective
BE 1007.424.974
Brussel · Eq €187,818
LYSANDRIS
BE 0668.545.576
Haaltert · Eq €187,843
Miraijin
BE 0776.755.610
Antwerpen · Eq €187,846
TFF
BE 0501.829.203
Gent · Eq €187,852
Of 82,641 companies in sector 70200 we hold annual accounts for 52,636. 40,309 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded16-01-2014
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
E-invoicing
Reachable via Peppol
Peppol ID
0208:0544645397
Also
9925:BE0544645397
Registered
17-11-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 29 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.