Certimvest
ActiveCertimvest is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €4k and a net result of €3k. Equity is shrinking by ~13.4% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2027. Its solvency ranks better than 12% of 8006 sector peers (fiscal year 2025). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
+raises risk○neutral
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 12% of 8006 sector peers (2025).
NBB · sector comparisonPosition among 8006 sector peers
Solvency
better than 12%
← weakest
strongest →
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 15-07-2026, 16 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
16 d early
2024
61 d late
2023
1 d early
2022
11 d early
2021
22 d late
2020
31 d late
2019
96 d late
← 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
19-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€4k▲ 214%
2024 · €1k
2018: €40k
2019: €40k
2020: €35k
2021: €24k
2022: €39k
2023: €42k
2024: €1k
2018 → 2025
Net result
€3k▲ 805%
2024 · €328
2018: €-19k
2019: €5k
2020: €-13k
2021: €2k
2022: €15k
2023: €3k
2024: €328
2018 → 2025
Total assets
€87k▼ 40.9%
2024 · €147k
2018: €308k
2019: €308k
2020: €131k
2021: €116k
2022: €106k
2023: €109k
2024: €147k
2018 → 2025
Solvency
5.0%▲ 4.1pp
2024 · 0.9%
2018: 13.0%
2019: 13.0%
2020: 27.0%
2021: 20.5%
2022: 36.3%
2023: 38.3%
2024: 0.9%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€24k-€39k▲ 62.5%€42k▲ 7.6%€1k▼ 96.7%€4k▲ 214%
Operating result€8k-€-777€33k€7k▼ 80.3%€18k▲ 169%
Net result€2k-€15k▲ 693%€3k▼ 80.2%€328▼ 88.9%€3k▲ 805%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 169% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €87k
Fixed assets
€23k▲ 7.7%
Current assets
€64k▼ 49.2%
Equity and liabilities €87k
Equity
€4k▲ 214%
Debt
€83k▼ 43.3%
The debt ratio falls from 99.1% to 95.0%. Equity is higher and debt is lower.
Key figures and ratios
Solvency
5.0%▲
2024 · 0.9%
ROE
68.1%▲
2024 · 23.6%
ROA
3.4%▲
2024 · 0.2%
Debt
€83k▼
2024 · €146k
Debt ≤ 1 year
€80k▼
2024 · €142k
Debt > 1 year
€1k▼
2024 · €3k
Income taxes
€10k▲
2024 · €8k
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€147k€87k▼
Fixed assets21/28€21k€23k▲
Tangible fixed assets22/27€21k€23k▲
Furniture and vehicles24€5k€7k▲
Other tangible fixed assets26€16k€16k=
Current assets29/58€126k€64k▼
Amounts receivable within one year40/41€107k€49k▼
Trade receivables40€17k€440▼
Other amounts receivable41€90k€49k▼
Cash at bank and in hand54/58€17k€12k▼
Deferred charges and accrued income490/1€2k€3k▲
Equity and liabilities
Total equity and liabilities10/49€147k€87k▼
Equity10/15€1k€4k▲
Contributions10/11€13k€13k=
Profit (loss) carried forward14€-11k€-8k▲
Amounts payable17/49€146k€83k▼
Amounts payable after more than one year17€3k€1k▼
Financial debts170/4€3k€1k▼
Amounts payable within one year42/48€142k€80k▼
Current portion of amounts payable after more than one year42€2k€2k▲
Financial debts43€29k€30k▲
Credit institutions430/8€29k€30k▲
Trade debts44€54k€40k▼
Suppliers440/4€54k€40k▼
Taxes, remuneration and social security45€15k€8k▼
Taxes450/3€15k€8k▼
Other amounts payable47/48€42k-
Accrued charges and deferred income492/3€1k€2k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k▲
Other operating charges640/8€2k€1k▼
Gross operating margin9900€9k€20k▲
Operating profit (loss)9901€7k€18k▲
Financial income75/76B€5k€4k▼
Recurring financial income75€5k€4k▼
Financial charges65/66B€2k€8k▲
Recurring financial charges65€2k€8k▲
Profit (loss) for the period before taxes9903€9k€13k▲
Income taxes67/77€8k€10k▲
Profit (loss) for the period9904€328€3k▲
Profit (loss) for the period to be appropriated9905€328€3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-11k€-8k▲
Profit (loss) brought forward from the previous period14P€-12k€-11k▲
Transfer from equity791/2€41k-
Profit to be distributed694/7€41k-
Return on contributions (dividend)694€41k-
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
2026
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
07-01
State Gazette act
General meeting · Board meeting
Director appointment · Permanent representative
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 61 days late
11-04
State Gazette act
General meeting · Director resignation
Director discharge · Board composition
2024
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
28-05
State Gazette act
General meeting · Director resignation
Permanent representative · Board composition
2023
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2018net €15k ▲693%
Net result €15k, the highest in the series.
22-08
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 22 days late
2021
31-12
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 31 days late
2020
04-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 96 days late
2019
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
31-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Heusden-Zolder · 1 establishment unit since 2015
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.
Koedrieshof 143550 Heusden-ZolderGround area
1,649 m²
Building footprint
250 m²
Volume, LiDAR
1,395 m³
Parcel 71462D0629/00K000, Flanders · tallest building 7.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Koedrieshof 14, 3550 Heusden-Zolder
since 20152.248.926.192
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71462D0629/00K000 | Flanders | 1,649 m² | 1 · 250 m² | 7.0 m · 2 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.
Structure & network
Ownership & control
1 partyCertimvestBE 0644.667.047
controls
Where this company holds controlthis company sits on their board1
1 location
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Of 24,727 companies in sector 64210 we hold annual accounts for 19,759. 2,957 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded18-12-2015
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 18-09-2026. Scores and ratios are computed by Checked and are not a credit decision.