CertiOne
ActiveCertiOne has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €4k and a net result of €75k. Equity is shrinking by ~24.3% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2027. Its solvency ranks better than 10% of 31523 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
73
/ 100
Healthy▼ -3 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency12▼-10
Growth58=
Stability100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €500 at 30 days acceptable
Liquidity tight (current ratio 1.0 against 1.12 in 2024), and 98.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight 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
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
1.6%
Return on assets
31.4%
Age of the figures
8 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 10% of 31523 sector peers (2025).
NBB · sector comparisonPosition among 31523 sector peers
Solvency
better than 10%
← 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 21-04-2026, 101 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
101 d early
2024
on the day
2023
26 d late
2022
32 d late
2021
5 d early
2020
31 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€4k▼ 86.2%
2024 · €28k
2020: €36k
2021: €52k
2022: €56k
2023: €24k
2024: €28k
2020 → 2025
Total assets
€240k▲ 8.6%
2024 · €221k
2020: €99k
2021: €101k
2022: €103k
2023: €138k
2024: €221k
2020 → 2025
Net result
€75k▲ 27.8%
2024 · €59k
2020: €33k
2021: €16k
2022: €4k
2023: €9k
2024: €59k
2020 → 2025
Working capital
€734▼ 96.3%
2024 · €20k
2020: €7k
2021: €23k
2022: €31k
2023: €4k
2024: €20k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€52k-€56k▲ 7.4%€24k▼ 56.2%€28k▲ 16.6%€4k▼ 86.2%
Operating result€21k-€11k▼ 47.6%€17k▲ 58.0%€80k▲ 363%€104k▲ 30.0%
Net result€16k-€4k▼ 75.9%€9k▲ 124%€59k▲ 584%€75k▲ 27.8%
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 30% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €240k
Fixed assets
€21k▼ 36.0%
Current assets
€219k▲ 16.5%
Equity and liabilities €240k
Equity
€4k▼ 86.2%
Debt
€236k▲ 22.6%
The debt ratio rises from 87.1% to 98.4%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€116k▲
2024 · €94k
Cash flow
€88k▲
2024 · €73k
Solvency
1.6%▼
2024 · 12.9%
Current ratio
1.00▼
2024 · 1.12
Quick ratio
1.00▼
2024 · 1.12
Debt / equity
60.03▲
2024 · 6.77
ROA
31.4%▲
2024 · 26.7%
Interest coverage
79.82▲
2024 · 60.43
Debt
€236k▲
2024 · €193k
Debt ≤ 1 year
€218k▲
2024 · €168k
Debt > 1 year
€8k▼
2024 · €15k
Income taxes
€27k▲
2024 · €20k
A ratio outside any meaningful range has been withheld (balance sheet total €240k, equity €4k).
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€221k€240k▲
Fixed assets21/28€34k€21k▼
Tangible fixed assets22/27€34k€21k▼
Land and buildings22€6k€5k▼
Furniture and vehicles24€6k€2k▼
Leasing and similar rights25€22k€15k▼
Current assets29/58€188k€219k▲
Amounts receivable within one year40/41€105k€72k▼
Trade receivables40€75k€67k▼
Other amounts receivable41€30k€4k▼
Cash at bank and in hand54/58€82k€147k▲
Deferred charges and accrued income490/1€628€628=
Equity and liabilities
Total equity and liabilities10/49€221k€240k▲
Equity10/15€28k€4k▼
Contributions10/11€3k€3k=
Profit (loss) carried forward14€25k€938▼
Amounts payable17/49€193k€236k▲
Amounts payable after more than one year17€15k€8k▼
Financial debts170/4€15k€8k▼
Amounts payable within one year42/48€168k€218k▲
Current portion of amounts payable after more than one year42€7k€7k▲
Trade debts44€81k€86k▲
Suppliers440/4€81k€86k▲
Taxes, remuneration and social security45€34k€37k▲
Taxes450/3€30k€35k▲
Remuneration and social security454/9€4k€3k▼
Other amounts payable47/48€47k€88k▲
Accrued charges and deferred income492/3€10k€11k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€12k▼
Other operating charges640/8€5k€3k▼
Gross operating margin9900€99k€119k▲
Operating profit (loss)9901€80k€104k▲
Financial income75/76B€694€160▼
Recurring financial income75€694€160▼
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€79k€103k▲
Income taxes67/77€20k€27k▲
Profit (loss) for the period9904€59k€75k▲
Profit (loss) for the period to be appropriated9905€59k€75k▲
Appropriation of the result
Profit (loss) to be appropriated9906€80k€101k▲
Profit (loss) brought forward from the previous period14P€21k€25k▲
Profit to be distributed694/7€55k€100k▲
Return on contributions (dividend)694€55k€100k▲
The notes to these accounts (5 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
21-04
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2020net €75k ▲27.8%
Operating result €104k, net result €75k, both a record.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
26-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 26 days late
2023
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
31-12
Financial
Weakest financial yearnet €4k ▼75.9%
Net result drops to €4k, the lowest in the series; recovery starts the following year.
26-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Hamois · 1 establishment unit since 2020
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.
Rue de Rempache, Schaltin 135364 HamoisGround area
3,742 m²
Building footprint
126 m²
Parcel 91116A0456/02E000, Wallonia. Linked by address, not a title deed.
1 establishment unit
CertiOne
since 20202.305.319.024
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 91116A0456/02E000 | Wallonia | 3,742 m² | 1 · 126 m² | - |
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 82,218 companies in sector 70200 we hold annual accounts for 52,396. 13,324 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded30-07-2020
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:helene.tasiaux@certione.be
Phone:+32476836606