CERTIS

Active Risk: not assessed

Public limited companyfounded 1992active for 33 yearsIngooigemstraat 47, 8570 Anzegem, BelgiumKBO/BCE: BE 0449.029.430

Summary

CERTIS is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €2.1m and a net result of -€106,753. Equity is growing by about 11% per year across the filed financial years. Its solvency ranks better than 60% of 1,430 sector peers (NACE 66, financial year 2024). The company has been active since 1992 and the Belgian Official Gazette contains no insolvency or warning signals.

Risk analysisFollow Report Compare

CERTISActive

Risk analysis Report Compare

Activity

Insurance agents and brokers

NACE 66220

#7 oldest company in Anzegem, Finance and insurance sector1 site

Size

€4.1mtotal assets 2024

Equity: €2.1m
Loss: -€106,753

Turnover not published (abbreviated format)

Financial health

Financial institution: outside the modelBankruptcy probability: sector outside the model

Structure

Holdings: 1

Anaïs CallensDirector

Accounts 71 days overdue1 of 8 deeds read

SignalsneutralFiled after the deadlineShow the evidence

Checked score

Outside the general model

Model not applicable to financial institutions

The Checked 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.

Bankruptcy probability, 12 months

This is a financial institution (bank, insurer or financial holding). A bank balance sheet works differently from that of an ordinary trading or manufacturing company. We therefore show no bankruptcy probability rather than a misleading figure.

Credit check for your own amount and term

Show the recommended maximum and see how the verdict changes with amount, term and advance.

Signals

1 signal.

○neutral

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-09-2025, 60 days later. For context: 47% of Belgian companies file late, and of those that file 1 to 90 days late, 2.0% are now in a legal situation other than normal in the KBO (such as bankruptcy, liquidation or dissolution), against 1.66% of all filers. We show this as a fact and do not score it.

NBB · 10 filings

Deviation from the deadline

2025

not confirmed

2024

60 days late

2023

29 days late

2022

31 days late

2021

61 days late

2020

61 days late

2019

66 days late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 6 accounts on average 51 days after the deadline; the sector median (NACE 66) for financial year 2024 is 5 days before the deadline, and 38% of those companies filed late.

Searched, nothing found (1)

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

07-11-2025 Reappointment: Anaïs Callens (director)Power of attorney
29-09-2025 Annual accounts filedfinancial year 2024 · abbreviated…
31-12-2024 Weakest financial yearnet -€106,753

Key points

Caution: From profit to loss in 2024after €392,446 in 2023 -€106,753 View
Caution: Among the weakest 5% on net resultsector median €84,695 · 1,429 companies -€106,753 View
Caution: Accounts not fileddeadline was 31-07-2026 71 days late View