CERTIS
ActiveSummary
CERTIS is a financial institution. The bankruptcy model is trained on trading and manufacturing companies and does not apply here. For CERTIS, one annual filing is missing. The 2024 annual accounts show equity of €2.1m and a net result of -€106,753. Equity has been growing by about 11% per year since 2018. Its solvency ranks better than 60% of 1,397 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.
Overview
Overview
Official details
Source: KBO- Status
- Active since 24-12-1992 Normal situation
- Activity
- Insurance agents and brokers NACE 66220
- Establishment unit
- 2.066.831.359 8570 Anzegem, since 18-05-1994
- Financial year end
- 31 December
- Peppol
- Reachable since 14-11-2025
Financial position
Financial institution: outside the modelBankruptcy probability: sector outside the model
Annual accounts 2024
- Loss
- €106,753
- Equity
- €2.1m
- ▼ 4.9%
- Total assets
- €4.1m
- ▼ 5.9%
- 2025 accounts not filed, 96 days past the deadline
Signalsraises riskAnnual accounts not filed2024 accounts filed 60 days lateShow the evidence
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score measures liquidity, leverage and margins against the norms for trading and manufacturing companies. A bank, insurer or financial holding has a very different balance sheet. Those ratios and the score mean nothing here. So there is no financial strength either.
Filing: One annual filing is missing
Bankruptcy probability within 12 months
The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Two signals.
raises risk
raises risk · Annual accounts not filed
The financial year that closed on 31-12-2025 was due at the National Bank by 31-07-2026. Nothing is on record, 96 days later.
NBB · 10 filingsPosition against the passed deadline
31-12-2025 year end31-07-2026 deadline04-11-2026 today
raises risk · 2024 accounts filed 60 days late
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. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 10 filingsDeviation from the deadline
2025
not filed
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
The company filed its last 6 accounts on average 51 days after the deadline. In the sector (NACE 66), the median for financial year 2024 was 5 days before the deadline, and 39% of those companies filed late.
Searched, nothing found (1)
Financials
Financials · financial year 2024, abbreviated format
2025 annual accounts not yet filed, deadline passed on 31 July 2026 The financial year closed on 31 December 2025. The accounts are due at the latest 7 months after the close (Companies Code art. 3:10). Source: NBB filings, as of 4 November 2026.
Annual accounts 2024 filed on 29-09-2025 PDF all 31 filings
Equity
€2.1m▼ 4.9%
2023 · €2.2m
Net result
-€106,753
2023 · €392,446
Total assets
€4.1m▼ 5.9%
2023 · €4.3m
Solvency
50.5%▲ 0.5pp
2023 · 50.0%
In the rankings
#7 oldest company in Anzegem, Finance and insurance sector
Multi-year overview
2018 to 2024, 7 financial yearsOperating result
€24,816
2024
20182024
Net result
-€106,753
2024
lowest quarter of the sector
20182024
Equity
€2.1m
▼ 4.9%
2024
highest quarter of the sector
20182024
Total assets
€4.1m
▼ 5.9%
2024
highest quarter of the sector
20182024
Debt
€2.0m
▼ 6.9%
2024
20182024
Working capital
€1.7m
▼ 8.1%
2024
highest quarter of the sector
20182024
Solvency
50.5%
▲ 0.5pp
2024
middle half of the sector
20182024
Current ratio
2.19
▲ 0.02
2024
middle half of the sector
20182024
Return on assets (ROA)
-2.6%
▼ 11.6pp
2024
lowest quarter of the sector
20182024
Staff (FTE)
no figure
2024
20182024
Every figure per financial year
Every figure with its change against the financial year before
favourable
unfavourable
Line2018201920202021202220232024
Operating result€0.002m-€0.003m▲ 39.7%€0.2m▲ 82×€0.2m▼ 9.3%€0.4m▲ 124%-€0.009m€0.02m
Net result€0.02m-€0.001m▼ 94.7%€0.2mwithin the sector's middle half▲ 194×€0.1mwithin the sector's middle half▼ 25.6%€0.2mabove the sector's middle half▲ 112%€0.4mabove the sector's middle half▲ 58.6%-€0.1mbelow the sector's middle half
Equity€1.3m-€1.3m▲ 0.1%€1.4mabove the sector's middle half▲ 12.4%€1.5mabove the sector's middle half▲ 8.2%€1.8mabove the sector's middle half▲ 16.1%€2.2mabove the sector's middle half▲ 22.0%€2.1mabove the sector's middle half▼ 4.9%
Total assets€3.2m-€3.3m▲ 3.5%€3.4mabove the sector's middle half▲ 3.5%€3.8mabove the sector's middle half▲ 9.9%€3.9mabove the sector's middle half▲ 3.6%€4.3mabove the sector's middle half▲ 10.8%€4.1mabove the sector's middle half▼ 5.9%
Debt€1.2m-€1.3m▲ 9.1%€1.3m▼ 2.9%€1.5m▲ 17.1%€2.1m▲ 40.0%€2.2m▲ 1.5%€2.0m▼ 6.9%
Working capital€1.4m-€1.4m▲ 5.8%€1.6mabove the sector's middle half▲ 14.9%€2.0mabove the sector's middle half▲ 19.7%€1.4mabove the sector's middle half▼ 27.3%€1.8mabove the sector's middle half▲ 29.1%€1.7mabove the sector's middle half▼ 8.1%
Solvency39.2%-37.9%▼ 1.3pp41.2%within the sector's middle half▲ 3.2pp40.5%within the sector's middle half▼ 0.6pp45.4%within the sector's middle half▲ 4.9pp50.0%within the sector's middle half▲ 4.6pp50.5%within the sector's middle half▲ 0.5pp
Current ratio2.75-2.68▼ 0.073.12within the sector's middle half▲ 0.443.38above the sector's middle half▲ 0.261.93within the sector's middle half▼ 1.452.17within the sector's middle half▲ 0.242.19within the sector's middle half▲ 0.02
Return on assets (ROA)0.5%-0.0%▼ 0.5pp4.5%within the sector's middle half▲ 4.5pp3.1%within the sector's middle half▼ 1.5pp6.3%within the sector's middle half▲ 3.2pp9.0%within the sector's middle half▲ 2.7pp-2.6%below the sector's middle half▼ 11.6pp
Staff (FTE)0below the sector's middle half0below the sector's middle half
above
within
below
The sector band is the middle half of the companies in Activities auxiliary to financial services and insurance activities (NACE 66). A quarter of them sit below it, a quarter above. Each year counts only accounts in the same format, and only where there are at least 30.
The operating result for 2024 is a profit of €24,816, after a loss of €9,108 in 2023.
Turnover and EBIT margin are not published. The abbreviated format does not require them. The turnover shown is an estimate from the gross margin.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €4.1m
Fixed assets
€972,456 ▲ 4.5%
Current assets
€3.1m ▼ 8.8%
Equity and liabilities €4.1m
Equity
€2.1m ▼ 4.9%
Debt
€2.0m ▼ 6.9%
Debt's share of the balance-sheet total falls from 50.0% to 49.5%. Equity and debt are lower.
Key figures and ratios
ROE
-5.2%▼
2023 · 18.0%
Debt ≤ 1 year
€1.4m▼
2023 · €1.6m
Debt > 1 year
€601,550=
2023 · €601,550
Income taxes
€423▼
2023 · €40,402
Green means a favourable move, even when the figure itself falls, as with debt or debt to equity.
Investments
| Item | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|
| Tangible fixed assets | €13,888 | - | - | €82,000 |
| Financial fixed assets | - | - | €88 | - |
| Depreciation and write-downs of the year | €47,170 | €38,459 | €25,824 | €40,059 |
Source: notes to the 2021 to 2024 annual accounts (statement of fixed assets)
Annual accounts
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | €59,412 | €0 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €46,246 | €43,844 | €45,045 | €47,170 | €38,459 | €25,824 | €40,059 | ▲ 55.1% |
| Other operating charges640/8 | - | - | - | €2,505 | €2,583 | €2,852 | €2,921 | ▲ 2.4% |
| Gross operating margin9900 | €50,501 | €48,885 | €266,242 | €247,990 | €486,129 | €19,568 | €67,796 | ▲ 246% |
| Operating profit (loss)9901 | €1,900 | €2,655 | €218,685 | €198,315 | €445,088 | -€9,108 | €24,816 | - |
| Financial income75/76B | - | - | - | €21,782 | €16,739 | €532,438 | €16,882 | ▼ 96.8% |
| Recurring financial income75 | €126,502 | €74,865 | €42,222 | €21,782 | €16,739 | €532,438 | €16,882 | ▼ 96.8% |
| Financial charges65/66B | - | - | - | €91,828 | €105,592 | €90,482 | €148,027 | ▲ 63.6% |
| Recurring financial charges65 | €111,546 | €76,633 | €88,601 | €91,828 | €105,592 | €90,482 | €148,027 | ▲ 63.6% |
| Profit (loss) for the period before taxes9903 | €16,856 | €887 | €172,306 | €128,270 | €356,235 | €432,848 | -€106,329 | - |
| Income taxes67/77 | €1,532 | €81 | €15,788 | €11,794 | €108,864 | €40,402 | €423 | ▼ 99.0% |
| Profit (loss) for the period9904 | €15,324 | €806 | €156,518 | €116,476 | €247,371 | €392,446 | -€106,753 | - |
| Profit (loss) for the period to be appropriated9905 | €15,324 | €806 | €156,518 | €116,476 | €247,371 | €392,446 | -€106,753 | - |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||
| Total assets20/58 | €3.2m | €3.3m | €3.4m | €3.8m | €3.9m | €4.3m | €4.1m | ▼ 5.9% |
| Fixed assets21/28 | €1.1m | €1.0m | €1.0m | €1.0m | €1.0m | €0.9m | €1.0m | ▲ 4.5% |
| Tangible fixed assets22/27 | €0.3m | €0.2m | €0.2m | €0.2m | €0.1m | €0.1m | €0.2m | ▲ 34.8% |
| Plant, machinery and equipment23 | - | - | - | €0.004m | €0.002m | €0 | - | - |
| Furniture and vehicles24 | - | - | - | - | - | - | €0.07m | - |
| Other tangible fixed assets26 | - | - | - | €0.2m | €0.1m | €0.1m | €0.1m | ▼ 19.9% |
| Financial fixed assets28 | €0.8m | €0.8m | €0.8m | €0.8m | €0.8m | €0.8m | €0.8m | = |
| Current assets29/58 | €2.1m | €2.3m | €2.4m | €2.8m | €3.0m | €3.4m | €3.1m | ▼ 8.8% |
| Amounts receivable within one year40/41 | €1.2m | €1.0m | €1.0m | €1.0m | €0.9m | €1.3m | €1.0m | ▼ 24.3% |
| Trade receivables40 | - | - | - | €0 | - | - | - | - |
| Other amounts receivable41 | - | - | - | €1.0m | €0.9m | €1.3m | €1.0m | ▼ 24.3% |
| Current investments50/53 | €0.3m | €1.1m | €1.1m | €1.3m | €1.3m | €1.8m | €1.8m | ▲ 0.3% |
| Cash at bank and in hand54/58 | €0.5m | €0.2m | €0.3m | €0.5m | €0.8m | €0.3m | €0.3m | ▼ 0.2% |
| Deferred charges and accrued income490/1 | - | - | - | €0.02m | €0.01m | €0.04m | €0.04m | ▲ 8.7% |
| Equity and liabilities | ||||||||
| Total equity and liabilities10/49 | €3.2m | €3.3m | €3.4m | €3.8m | €3.9m | €4.3m | €4.1m | ▼ 5.9% |
| Equity10/15 | €1.3m | €1.3m | €1.4m | €1.5m | €1.8m | €2.2m | €2.1m | ▼ 4.9% |
| Contributions10/11 | €0.6m | €0.6m | €0.6m | €0.6m | €0.6m | €0.6m | €0.6m | = |
| Capital10 | - | - | - | €0.6m | €0.6m | €0.6m | €0.6m | = |
| Issued capital100 | - | - | - | €0.6m | €0.6m | €0.6m | €0.6m | = |
| Reserves13 | €0.7m | €0.7m | €0.8m | €0.9m | €1.2m | €1.6m | €1.5m | ▼ 6.8% |
| Non-distributable reserves130/1 | - | - | - | €0.05m | €0.06m | €0.06m | €0.06m | = |
| Legal reserve130 | - | - | - | €0.05m | €0.06m | €0.06m | €0.06m | = |
| Distributable reserves133 | - | - | - | €0.9m | €1.1m | €1.5m | €1.4m | ▼ 7.0% |
| Provisions and deferred taxes16 | €0.7m | €0.7m | €0.7m | €0.7m | €0 | - | - | - |
| Provisions for liabilities and charges160/5 | - | - | - | €0.7m | €0 | - | - | - |
| Other liabilities and charges164/5 | - | - | - | €0.7m | €0 | - | - | - |
| Amounts payable17/49 | €1.2m | €1.3m | €1.3m | €1.5m | €2.1m | €2.2m | €2.0m | ▼ 6.9% |
| Amounts payable after more than one year17 | €0.5m | €0.5m | €0.5m | €0.6m | €0.6m | €0.6m | €0.6m | = |
| Financial debts170/4 | - | - | - | €0.6m | €0.6m | €0.6m | €0.6m | = |
| Amounts payable within one year42/48 | €0.8m | €0.8m | €0.8m | €0.8m | €1.5m | €1.6m | €1.4m | ▼ 9.6% |
| Trade debts44 | €0.09m | €0.1m | €0.006m | €0.01m | €0.01m | €0.009m | €0.009m | ▲ 6.4% |
| Suppliers440/4 | - | - | - | €0.01m | €0.01m | €0.009m | €0.009m | ▲ 6.4% |
| Taxes, remuneration and social security45 | - | - | - | €0.04m | €0.04m | €0.03m | €0.08m | ▲ 223% |
| Taxes450/3 | - | - | - | €0.03m | €0.03m | €0.03m | €0.08m | ▲ 223% |
| Remuneration and social security454/9 | - | - | - | €0.02m | €0.008m | €0 | - | - |
| Other amounts payable47/48 | - | - | - | €0.8m | €1.5m | €1.5m | €1.3m | ▼ 13.5% |
| Accrued charges and deferred income492/3 | - | - | - | €0.1m | €0.002m | €0 | - | - |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | Change |
|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €15,324 | €806 | €156,518 | €116,476 | €247,371 | €392,446 | -€106,753 | - |
| + Depreciation and write-downs630 | €46,246 | €43,844 | €45,045 | €47,170 | €38,459 | €25,824 | €40,059 | ▲ 55.1% |
| Operating cash flow (approximation) | €61,570 | €44,650 | €201,563 | €163,646 | €285,829 | €418,270 | -€66,693 | - |
| Investment in fixed assets (approximation) | - | -€812 | -€23,912 | -€13,888 | €0 | -€88 | -€82,000 | ▼ 93,082% |
| Change in cash | - | -€353,994 | €140,925 | €181,338 | €259,456 | -€484,458 | -€560 | ▲ 99.9% |
A Belgian filing has no cash-flow statement. These rows are therefore an approximation, derived from the income statement and the balance-sheet moves.
Latest 10 of 31 filings with the National Bank
| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 31-12-2024 | abbreviated format | 29-09-2025 | 2025-00513187 | |
| 31-12-2023 | abbreviated format | 29-08-2024 | 2024-00394544 | |
| 31-12-2022 | abbreviated format | 31-08-2023 | 2023-00436841 | |
| 31-12-2021 | abbreviated format | 30-09-2022 | 2022-20441976 | |
| 31-12-2020 | abbreviated format | 30-09-2021 | 2021-69200481 | |
| 31-12-2019 | abbreviated format | 05-10-2020 | 2020-58400559 | |
| 31-12-2018 | abbreviated format | 29-08-2019 | 2019-53400382 | |
| 31-12-2017 | abbreviated format | 31-08-2018 | 2018-55300471 | |
| 31-12-2016 | abbreviated format | 31-08-2017 | 2017-54900309 | |
| 31-12-2015 | abbreviated format | 28-07-2016 | 2016-38100189 |
Board & ownership
Directors
Directors
2 directors, 1 in day-to-day management, last change in 2025
Board 2
Antoon Callens
Current
Bestuurder, gedelegeerd bestuurder en voorzitter van de raad van bestuur · since 03-06-2023 · listed in the 2024 annual accounts, filed on 29-09-2025
Anaïs Callens
Current
Director · in office according to the act of 07-11-2025
Day-to-day management 1
Antoon Callens
Current
Bestuurder, gedelegeerd bestuurder en voorzitter van de raad van bestuur · in office according to the act of 24-10-2024
Owners and capital
Owners
Mandate history
4 people, 2 in office
- Board
- Day-to-day management
- began earlier
- end not dated
| Name | Functions and periods |
|---|---|
| Antoon Callens |
|
| Anaïs Callens |
|
| Anats CALLENS |
|
| Martine BOHEZ |
|
Network & group
Holdings and subsidiaries
1 holdingHoldings 1
- VERZEKERINGSKANTOOR CALLENSsubsidiarySourceown accounts 2024Equity €297,213 Loss of €9,803 in 2024 (loss of €23,823 in 2023)100%
Connections & network
2 current directorsThe network starts from the directors of CERTIS. Every other company they run is a node.
This company
Company
Director
Shareholding
+N: links not shown yet
Click a node to look further, drag to arrange, zoom with the mouse wheel.
Timeline
Acts, filings and financial milestones
2025
07-11
Gazette deed
Reappointment: Anaïs Callens (director)Power of attorney5 points ▸
Gazette deed
Reappointment: Anaïs Callens (director)
Power of attorney5 points ▸
- General meeting, 07-06-2025
- Director reappointment, Anaïs Callens (director)
- Power of attorney, BV DECOSTERE ACCOUNTANCY AVELGEM
- Power of attorney, Sofie LANNAU
- Power of attorney, Jan PISON
29-09
abbreviated format · 60 days late
2024
31-12
Financial
Weakest financial yearnet -€106,753
The net result drops to -€106,753, the lowest from 2018 to 2024.
24-10
Gazette deed
Reappointment: Antoon Callens (bestuurder, gedelegeerd bestuurder en voorzitter van de raad van bestuur)3 points ▸
Gazette deed
Reappointment: Antoon Callens (bestuurder, gedelegeerd bestuurder en voorzitter van de raad van bestuur)
3 points ▸
- General meeting, 01-06-2024
- Board meeting, 01-06-2024
- Director reappointment, Antoon Callens (bestuurder, gedelegeerd bestuurder en voorzitter van de raad van bestuur)
29-08
abbreviated format · 29 days late
2023
31-12
Financial
Highest result from 2018 to 2024net €392,446 ▲58.6%
The net result of €392,446 is the highest of those years.
31-12
Financial
Equity above €2mequity €2.2m ▲22%
With a profit in every financial year since 2018, equity grows to €2.2m.
31-08
abbreviated format · 31 days late
2022
27-12
Gazette deed
Resignation: Martine BOHEZ (director)Appointment: Anats CALLENS (director)3 points ▸
Gazette deed
Resignation: Martine BOHEZ (director)
Appointment: Anats CALLENS (director)3 points ▸
- General meeting, 04-10-2022
- Director resignation, Martine BOHEZ (director)
- Director appointment, Anats CALLENS (director)
30-09
abbreviated format · 61 days late
2021
30-09
abbreviated format · 61 days late
2020
05-10
abbreviated format · 66 days late
Show earlier events
2019
29-08
abbreviated format · 29 days late
2018
31-08
abbreviated format · 31 days late
2017
31-08
abbreviated format · 31 days late
2016
28-07
abbreviated format · 3 days before the deadline
1993
20-01
Gazette deed
Incorporation
Financial milestoneGazette deedNBB filingFinancial milestones sit on the financial year-end date, not the filing date.
Sources:Publications in the Belgian Official GazetteFilings with the National Bank
History
Company details
Register details
Identity
KBO recordName
CERTIS in Dutch
Enterprise number
0449.029.430
LEI code
875500GF0XEYTZ93WY60
no longer live in the LEI register
Legal form
Public limited company
Status
Active, normale toestand
Founded
24-12-1992
Entity type
Legal entity
Registered office and establishments
Registered office
Ingooigemstraat 47, 8570 Anzegem, Belgium
Establishment unit
CERTIS NV, Ingooigemplaats 52, 8570 Anzegem since 18-05-1994 · unit number 2.066.831.359
Activities
NACEBEL 202566220
Insurance agents and brokers main activity
Codes under NACEBEL 2008
66220
Activities auxiliary to financial services and insurance activities main activity
Invoicing and payment
VAT number
BE 0449.029.430
Financial year and general meeting
Accounts at the NBBFinancial year end
31-12
Sites & property
Location
Buildings and parcels at the addresses
Ground area
7,017 m²
Building footprint
459 m²
Building volume
2,745 m³
Tallest building: 10.5 m.
| Cadastral parcel | Region | Area | Buildings | Height / floors |
|---|---|---|---|---|
| 34018C0102/00C000 | Flanders | 5,322 m² | 1 · 278 m² | 10.0 m · 2 |
| 34018B0732/00E000 | Flanders | 1,695 m² | 1 · 181 m² | 10.5 m · 3 |