CERTIMHOLD
ActiveCERTIMHOLD has been active since 2014 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €3.41M and a net result of €-4k. Equity is growing by ~3.5% per year across the filed fiscal years. Its solvency ranks better than 80% of 8584 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability0▼-10
Solvency100=
Growth52=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €180k at 30 days acceptable
Liquidity ample (current ratio 5.15 against 5.36 in 2024), and 15.7% 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○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 →
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
84.3%
Return on assets
-0.1%
Age of the figures
8 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 28-04-2026, 94 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
94 d early
2024
99 d early
2023
120 d early
2022
28 d early
2021
26 d early
2020
26 d early
2019
on the day
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€3.41M▼ 0.1%
2024 · €3.41M
2018: €2.75M
2019: €2.88M
2020: €2.90M
2021: €2.94M
2022: €3.16M
2023: €3.35M
2024: €3.41M
2018 → 2025
Total assets
€4.04M▲ 0.9%
2024 · €4.01M
2018: €3.27M
2019: €3.38M
2020: €3.40M
2021: €3.43M
2022: €3.65M
2023: €3.85M
2024: €4.01M
2018 → 2025
Net result
€-4k
2024 · €68k
2018: €100k
2019: €134k
2020: €21k
2021: €34k
2022: €226k
2023: €182k
2024: €68k
2018 → 2025
Working capital
€552k▲ 34.5%
2024 · €410k
2018: €-228k
2019: €-100k
2020: €-73k
2021: €-159k
2022: €58k
2023: €130k
2024: €410k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€2.94M-€3.16M▲ 7.7%€3.35M▲ 5.8%€3.41M▲ 2.0%€3.41M▼ 0.1%
Operating result€51k-€49k▼ 3.2%€51k▲ 3.8%€36k▼ 29.2%€8k▼ 77.2%
Net result€34k-€226k▲ 563%€182k▼ 19.3%€68k▼ 62.8%€-4k
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 77% below 2024 and is the lowest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.04M
Fixed assets
€3.36M▼ 4.2%
Current assets
€685k▲ 35.8%
Equity and liabilities €4.04M
Equity
€3.41M▼ 0.1%
Debt
€633k▲ 6.6%
The debt ratio rises from 14.8% to 15.7%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€34k▼
2024 · €45k
Cash flow
€22k▼
2024 · €77k
Solvency
84.3%▼
2024 · 85.2%
Current ratio
5.15▼
2024 · 5.36
Quick ratio
5.15▼
2024 · 5.36
Debt / equity
0.19▲
2024 · 0.17
ROE
-0.1%▼
2024 · 2.0%
ROA
-0.1%▼
2024 · 1.7%
Interest coverage
0.85▼
2024 · 1.28
Debt
€633k▲
2024 · €594k
Debt ≤ 1 year
€133k▲
2024 · €94k
Debt > 1 year
€500k=
2024 · €500k
Income taxes
€10k▼
2024 · €18k
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€4.01M€4.04M▲
Fixed assets21/28€3.51M€3.36M▼
Tangible fixed assets22/27€119k€93k▼
Furniture and vehicles24€118k€92k▼
Other tangible fixed assets26€2k€2k=
Financial fixed assets28€3.39M€3.27M▼
Current assets29/58€504k€685k▲
Amounts receivable after more than one year29€400k€400k=
Other amounts receivable291€400k€400k=
Amounts receivable within one year40/41€75k€240k▲
Trade receivables40€38k€58k▲
Other amounts receivable41€36k€181k▲
Current investments50/53€0-
Cash at bank and in hand54/58€25k€40k▲
Deferred charges and accrued income490/1€5k€5k▲
Equity and liabilities
Total equity and liabilities10/49€4.01M€4.04M▲
Equity10/15€3.41M€3.41M▼
Contributions10/11€2.67M€2.67M=
Reserves13€744k€740k▼
Distributable reserves133€744k€740k▼
Amounts payable17/49€594k€633k▲
Amounts payable after more than one year17€500k€500k=
Other amounts payable178/9€500k€500k=
Amounts payable within one year42/48€94k€133k▲
Trade debts44€3k€3k▼
Suppliers440/4€3k€3k▼
Taxes, remuneration and social security45€5k€15k▲
Taxes450/3€5k€15k▲
Other amounts payable47/48€86k€116k▲
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Non-recurring operating income76A€16k€0▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€26k▲
Other operating charges640/8€7k€3k▼
Gross operating margin9900€52k€37k▼
Operating profit (loss)9901€36k€8k▼
Financial income75/76B€85k€38k▼
Recurring financial income75€85k€38k▼
Financial charges65/66B€35k€40k▲
Recurring financial charges65€35k€40k▲
Profit (loss) for the period before taxes9903€86k€6k▼
Income taxes67/77€18k€10k▼
Profit (loss) for the period9904€68k€-4k▼
Profit (loss) for the period to be appropriated9905€68k€-4k▼
Appropriation of the result
Profit (loss) to be appropriated9906€68k€-4k▼
Transfer from equity791/2-€4k
Transfer to equity691/2€68k€0▼
To other reserves6921€68k€0▼
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (13 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
2026
28-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €-4k ▼106%
Net result drops to €-4k, the lowest in the series.
23-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Liquidity quadruplescurrent ratio 5.36
Current ratio from 1.27 to 5.36; short-term debt falls from €482k to €94k.
02-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
03-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Highest result since 2018net €226k ▲563%
Net result €226k, the highest in the series.
05-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
05-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
31-07
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
09-07
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
10-07
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
26-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2026
Natascha Peelaers
CurrentDirector · since 10-04-2026
10-04-2026
Appointed as Director
Location & real-estate footprint
Registered office, Roeselare · 1 establishment unit since 2014
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.
Vierwegstraat 2098800 RoeselareGround area
1,147 m²
Building footprint
172 m²
Volume, LiDAR
762 m³
Parcel 36502B1235/00R000, Flanders · tallest building 7.2 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Vierwegstraat 209, 8800 Roeselare
since 20142.237.630.048
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 36502B1235/00R000 | Flanders | 1,147 m² | 1 · 172 m² | 7.2 m · 1 fl. |
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.
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Of 5,668 companies in sector 70100 we hold annual accounts for 3,479. 1,311 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded11-12-2014
Fiscal year end31-12
Activities, NACEBEL
70100Activities of head offices
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 11 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.