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Certyl

Active
Private limited company (pre-2019)founded 201610 yrs activeHendrik Meyslaan 22, 2100 Antwerpen, BelgiumKBO/BCE: BE 0650.851.588
Summary

Certyl has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €74,951 and a net result of €35,311. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 92% of 18866 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is < 0.1% (very low).

Risk analysisWatch ReportCompare
CertylActiveChecked score 98/100
Risk analysis ReportCompare

Overview

Activity
Computer consultancy and computer facilities management
NACE 62200IT consultancy NACE 62020
1 site
Size
€80,245total assets 2025
Equity
€74,951
Profit
€35,311
Turnover not published (abridged schema)
Financial health
98 Excellent Checked score 2025
Bankruptcy chance 12 m
< 0.1%
Structure
Accounts filed 19 d late0 of 1 deed read
Why 98- Latest accounts 19 days late; 2 of the last 3 late+ Liquidity: current ratio 12.05, cash €49,949+ Sector Computer programming, consultancy and related activities (NACE 62)+ Equity €74,951 (93.4% of total assets)Show the evidence

Checked score

Score 2025
98 / 100
Excellent
Probability in this band: under 0.55%
Better than 87% of its sector peers (NACE 62, micro)
Performance against the sector, not lower risk
Every signal that weighs is under Signals.
Financial strength
Strong
Solvency 100
equity 93.4% of total assets
Liquidity 100
short-term debt 6.6% · cash 62.2%
Profitability 100
return on assets 44.0%
Bankruptcy probability, 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%

Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (25,520 companies)
Last 13 months 10-2025: 0.5%highest value 11-2025: 0.1%▼ -85.0% vs 10-2025 12-2025: 0.1%● 0.0% vs 11-2025 01-2026: 0.1%▼ -14.3% vs 12-2025 02-2026: 0.1%▼ -3.3% vs 01-2026 03-2026: 0.1%▲ +5.2% vs 02-2026 04-2026: 0.1%▲ +1.6% vs 03-2026 05-2026: 0.1%● 0.0% vs 04-2026 06-2026: 0.1%▲ +3.2% vs 05-2026 07-2026: 0.1%▲ +6.3% vs 06-2026 08-2026: 0.1%▲ +63.2% vs 07-2026 09-2026: < 0.1%▼ -66.7% vs 08-2026lowest value 10-2026: < 0.1%● 0.0% vs 09-2026lowest value
  • Liquidity: current ratio 12.05, cash €49,949 lowers the probability
  • Sector Computer programming, consultancy and related activities (NACE 62) lowers the probability
  • Latest accounts 19 days late; 2 of the last 3 late raises the probability
  • Equity €74,951 (93.4% of total assets) lowers the probability
Credit up to €7,000 at 30 days acceptable
Liquidity ample (current ratio 12.05; short-term debt: 6.6% and cash: 62.2% of total assets), and 6.6% of the assets are financed with debt.
How it is calculated

The band comes from the bankruptcy probability on a scale of 0 to 100: every 10 points more double the odds of getting through the year without bankruptcy.

75-100 Excellent under 0.55%
60-74 Healthy 0.55% to 1.5%
45-59 Fair 1.5% to 4.2%
25-44 Weak 4.2% to 15.0%
0-24 Critical over 15.0%

Place inside the band: half the bankruptcy probability, half how the company does against its sector peers (NACE 62, micro). Better than this share of them on solvency 84%, liquidity 96%, profitability 83%, growth against the median 85%. That is performance, not lower risk; the band itself always comes from the probability.

Bankruptcy probability: model pd-v3.202610021621, computed on 02-10-2026. The model learns from Belgian bankruptcies and reads the registers, the annual accounts and the gazette.

Ceilings: negative or zero equity, a heavy loss, a special KBO legal situation and a missing filing 59 (two missing 44), an ongoing judicial reorganisation or an ending 24. Financial strength does not count in the score.

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Signals

Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Liquidity: current ratio 12.05, cash €49,949
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Sector Computer programming, consultancy and related activities (NACE 62)
In the bankruptcy model this factor lowers the probability.
KBO
raises risk · Latest accounts 19 days late; 2 of the last 3 late
In the bankruptcy model this factor raises the probability.
NBB · filings
lowers risk · Equity €74,951 (93.4% of total assets)
In the bankruptcy model this factor lowers the probability.
NBB · annual accounts
lowers risk · Growing equity
Reported equity is higher than in 2023 and did not fall compared with 2024. These amounts do not establish the cause of the change.
NBB · annual accounts 2025
Equity per financial year
1819202122232425
2018 to 2025 · latest year €74,951
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 19-08-2026, 19 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 9 filings
Deviation from the deadline
2025
19 d late
2024
61 d late
2023
67 d late
2022
45 d late
2021
21 d late
2020
44 d late
2019
48 d late
← before the deadline after the deadline →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 44 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% of the sector filed late.

Checked, nothing found (2)
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. Usually files around 14 September (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven months
Position in the running window
02-10-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage
  1. Annual accounts filedfiscal year 2025 · micro…
  2. Annual accounts filedfiscal year 2024 · micro…
  3. Annual accounts filedfiscal year 2023 · abbreviated…

Key points

  • Positive: Among the best 8% on solvencysector median 60.3% · 18,866 companies 93.4% View
  • Total assets 20256 fiscal years filed €80,245 View
  • Active since 2016founded 30-03-2016 10 years View

By topic

Financials

Fiscal year
2025
Total assets
€80,245
Profit
€35,311
Solvency
93.4%
Total assets▲ 82.9%
Net result
20182025
Go to Financials

Timeline

Events
11
Since
2018
Next accounts
by 31-07-2027
  1. 19-08-2026Annual accounts filed
  2. 30-09-2025Annual accounts filed
  3. 06-10-2024Annual accounts filed
Go to Timeline

Company details

Sites
1
Legal form
Private limited company (pre-2019)
Activity
Computer consultancy and computer facilities managementNACE 62200
Founded
30-03-2016
Year ends
31-12
Peppol
Reachable for e-invoices
Go to Company details

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