Certitude
ActiveCertitude has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €60k and a net result of €11k. Equity remains stable across the filed fiscal years (±0.6% per year). Its solvency ranks better than 51% of 7321 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.9% (low).
Checked score
Score 2025
78
/ 100
Excellent▼ -22 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability95▼-5
Solvency72▼-15
Growth58=
Stability100
Bankruptcy probability, 12 months
0.9%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity tight (current ratio 1.25 against 1.58 in 2024), and 55.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
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
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
44.3%
Return on assets
8.4%
Age of the figures
8 mo
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 23-07-2026, 8 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
8 d early
2024
14 d early
2023
9 d early
2022
20 d early
2021
11 d early
2020
5 d early
2019
15 d early
← 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
15-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€60k▼ 32.2%
2024 · €88k
2018: €117k
2019: €52k
2020: €70k
2021: €66k
2022: €70k
2023: €69k
2024: €88k
2018 → 2025
Total assets
€134k▼ 19.2%
2024 · €166k
2018: €141k
2019: €109k
2020: €101k
2021: €131k
2022: €191k
2023: €163k
2024: €166k
2018 → 2025
Net result
€11k▼ 39.7%
2024 · €19k
2018: €3k
2019: €-65k
2020: €18k
2021: €24k
2022: €15k
2023: €3k
2024: €19k
2018 → 2025
Working capital
€16k▼ 52.2%
2024 · €33k
2018: €72k
2019: €43k
2020: €52k
2021: €24k
2022: €10k
2023: €13k
2024: €33k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€66k-€70k▲ 5.7%€69k▼ 0.8%€88k▲ 27.2%€60k▼ 32.2%
Operating result€35k-€27k▼ 22.5%€8k▼ 71.3%€30k▲ 281%€20k▼ 34.4%
Net result€24k-€15k▼ 35.8%€3k▼ 81.4%€19k▲ 556%€11k▼ 39.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 34% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €134k
Fixed assets
€56k▼ 26.2%
Current assets
€79k▼ 13.3%
Equity and liabilities €134k
Equity
€60k▼ 32.2%
Debt
€75k▼ 4.6%
The debt ratio rises from 47.2% to 55.7%: equity shrinks faster than debt is paid down.
Key figures and ratios
EBITDA
€54k▼
2024 · €61k
Cash flow
€46k▼
2024 · €49k
Solvency
44.3%▼
2024 · 52.8%
Current ratio
1.25▼
2024 · 1.58
Quick ratio
1.25▼
2024 · 1.58
Debt / equity
1.26▲
2024 · 0.89
ROE
19.0%▼
2024 · 21.4%
ROA
8.4%▼
2024 · 11.3%
Interest coverage
34.53▲
2024 · 32.79
Debt
€75k▼
2024 · €78k
Debt ≤ 1 year
€63k▲
2024 · €57k
Debt > 1 year
€12k▼
2024 · €21k
Income taxes
€7k▼
2024 · €9k
Staff costs
€72k▼
2024 · €75k
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€166k€134k▼
Fixed assets21/28€76k€56k▼
Tangible fixed assets22/27€72k€52k▼
Plant, machinery and equipment23€909€1k▲
Furniture and vehicles24€43k€30k▼
Leasing and similar rights25€17k€3k▼
Other tangible fixed assets26€11k€18k▲
Financial fixed assets28€3k€4k▲
Current assets29/58€91k€79k▼
Amounts receivable within one year40/41€28k€28k▼
Trade receivables40€24k€26k▲
Other amounts receivable41€4k€2k▼
Cash at bank and in hand54/58€51k€37k▼
Deferred charges and accrued income490/1€12k€14k▲
Equity and liabilities
Total equity and liabilities10/49€166k€134k▼
Equity10/15€88k€60k▼
Contributions10/11€8k€8k=
Reserves13€80k€51k▼
Tax-exempt reserves132€3k€3k=
Distributable reserves133€77k€48k▼
Profit (loss) carried forward14€0€0=
Amounts payable17/49€78k€75k▼
Amounts payable after more than one year17€21k€12k▼
Financial debts170/4€21k€12k▼
Amounts payable within one year42/48€57k€63k▲
Current portion of amounts payable after more than one year42€25k€9k▼
Financial debts43€3k€3k▼
Credit institutions430/8€3k€3k▼
Trade debts44€4k€7k▲
Suppliers440/4€4k€7k▲
Taxes, remuneration and social security45€23k€20k▼
Taxes450/3€13k€10k▼
Remuneration and social security454/9€10k€9k▼
Other amounts payable47/48€1k€24k▲
Income statement
Code20242025
Non-recurring operating income76A-€5k
Remuneration, social security and pensions62€75k€72k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€31k€35k▲
Other operating charges640/8€3k€3k▲
Non-recurring operating charges66A€1k€0▼
Gross operating margin9900€140k€130k▼
Operating profit (loss)9901€30k€20k▼
Financial income75/76B€52€0▼
Recurring financial income75€52€0▼
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€28k€18k▼
Income taxes67/77€9k€7k▼
Profit (loss) for the period9904€19k€11k▼
Profit (loss) for the period to be appropriated9905€19k€11k▼
Appropriation of the result
Profit (loss) to be appropriated9906€19k€11k▼
Transfer from equity791/2€0€40k▲
Transfer to equity691/2€19k€11k▼
To other reserves6921€19k€11k▼
Profit to be distributed694/7€0€40k▲
Return on contributions (dividend)694€0€40k▲
The notes to these accounts (14 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
18-08
State Gazette act
Resignations & appointmentsGeneral meeting · Director appointment · Mandate compensation6 facts ▸
State Gazette act
Resignations & appointments
General meeting · Director appointment · Mandate compensation6 facts ▸
- General meeting, 2026-07-09
- Director appointment, Casper Van Bogaert (bijkomende bestuurder)
- Mandate compensation, Casper Van Bogaert
- Power of attorney, Moore Finance & Tax BV
- Power of attorney, Bart Ceustermans
- Power of attorney, Roel Volckaerts
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
22-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
11-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
20-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Highest result since 2018net €24k ▲32.8%
Operating result €35k, net result €24k, both a record.
26-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €18k
Net result €18k after one loss-making year.
16-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-65k ▼2027%
Net result drops to €-65k, the lowest in the series; recovery starts the following year.
19-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
16-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
19-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneState Gazette actNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 director, no change since 2026
Casper Van Bogaert
CurrentBijkomende bestuurder · since 01-07-2026
01-07-2026
Appointed as Bijkomende bestuurder
Location & real-estate footprint
Registered office, Aartselaar · 2 establishment units since 2008
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.
Helenboslaan 542630 AartselaarGround area
395 m²
Building footprint
145 m²
Volume, LiDAR
1,149 m³
2 parcels, Flanders · tallest building 12.0 m, ±3 floors. Linked by address, not a title deed.
2 establishment units
Certitude
since 20082.171.923.832
Boomsestraat 361, 2845 Niel
since 20212.319.770.341
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11001B0148/00Y000 | Flanders | 224 m² | 1 · 72 m² | 9.0 m · 3 fl. |
| 11030C0339/00M002 | Flanders | 171 m² | 1 · 73 m² | 12.0 m · 3 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 to 2024 · 3 entries · 660 EUR awarded · 660 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 120 EUR | 120 EUR |
| 2023 | 1 | 330 EUR | 330 EUR |
| 2022 | 1 | 210 EUR | 210 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Similar companies · same sector, comparable size
HMAPP
BE 1000.162.842
Ham-sur-Heure-Nalinnes · Eq €60k
WELMAN PROJECTS
BE 0734.484.097
Bonheiden · Eq €60k
ASP Construction
BE 0795.112.661
Zaventem · Eq €60k
AC INNOV
BE 0770.733.195
Ternat · Eq €60k
DW RENOVATIES
BE 0564.995.702
Buggenhout · Eq €60k
Of 29,535 companies in sector 41001 we hold annual accounts for 15,872. 13,030 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-06-2008
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
70200Business and other management consultancy
70220Business consulting
71111Activities of building architects
73110Advertising agencies
77320Rental and leasing activities
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.