CERVANTEC
ActiveCERVANTEC has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €341k and a net result of €63k. Equity is growing by ~22.9% per year across the filed fiscal years. Its solvency ranks better than 92% of 31487 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
83
/ 100
Excellent▼ -10 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability92=
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 13.36 against 10.85 in 2024), and 6.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers 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 →
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
93.2%
Return on assets
17.2%
Age of the figures
8 mo
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
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 16-07-2026, 15 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
15 d early
2024
on the day
2023
on the day
2022
25 d early
2021
21 d late
2020
19 d early
2019
28 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€341k▲ 22.6%
2024 · €278k
2018: €40k
2019: €60k
2020: €131k
2021: €161k
2022: €203k
2023: €245k
2024: €278k
2018 → 2025
Total assets
€366k▲ 19.7%
2024 · €306k
2018: €61k
2019: €76k
2020: €151k
2021: €179k
2022: €221k
2023: €286k
2024: €306k
2018 → 2025
Net result
€63k▲ 23.5%
2024 · €51k
2018: €22k
2019: €20k
2020: €72k
2021: €30k
2022: €42k
2023: €57k
2024: €51k
2018 → 2025
Working capital
€306k▲ 13.3%
2024 · €270k
2018: €28k
2019: €50k
2020: €103k
2021: €138k
2022: €184k
2023: €232k
2024: €270k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€161k-€203k▲ 25.9%€245k▲ 20.5%€278k▲ 13.6%€341k▲ 22.6%
Operating result€42k-€58k▲ 36.8%€81k▲ 38.8%€68k▼ 15.2%€80k▲ 17.0%
Net result€30k-€42k▲ 37.9%€57k▲ 37.3%€51k▼ 11.3%€63k▲ 23.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 17% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €366k
Fixed assets
€35k▲ 350%
Current assets
€331k▲ 11.2%
Equity and liabilities €366k
Equity
€341k▲ 22.6%
Debt
€25k▼ 9.6%
The debt ratio falls from 9.0% to 6.8%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€89k▲
2024 · €74k
Cash flow
€72k▲
2024 · €56k
Solvency
93.2%▲
2024 · 91.0%
Current ratio
13.36▲
2024 · 10.85
Quick ratio
13.36▲
2024 · 10.85
Debt / equity
0.07▼
2024 · 0.10
ROE
18.4%▲
2024 · 18.3%
ROA
17.2%▲
2024 · 16.7%
Interest coverage
-433.38▼
2024 · 204.48
Debt
€25k▼
2024 · €27k
Debt ≤ 1 year
€25k▼
2024 · €27k
Income taxes
€23k▲
2024 · €20k
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€306k€366k▲
Fixed assets21/28€8k€35k▲
Tangible fixed assets22/27€8k€35k▲
Plant, machinery and equipment23€426€2k▲
Furniture and vehicles24€7k€32k▲
Current assets29/58€298k€331k▲
Amounts receivable within one year40/41€25k€95k▲
Trade receivables40€13k€20k▲
Other amounts receivable41€12k€75k▲
Current investments50/53€270k€234k▼
Deferred charges and accrued income490/1€3k€2k▼
Equity and liabilities
Total equity and liabilities10/49€306k€366k▲
Equity10/15€278k€341k▲
Contributions10/11€12k€12k=
Reserves13€266k€329k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€264k€327k▲
Amounts payable17/49€27k€25k▼
Amounts payable within one year42/48€27k€25k▼
Trade debts44€3k€1k▼
Suppliers440/4€3k€1k▼
Taxes, remuneration and social security45€24k€23k▼
Taxes450/3€24k€23k▼
Income statement
Code20242025
Non-recurring operating income76A-€8k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€9k▲
Other operating charges640/8€1k€207▼
Gross operating margin9900€75k€89k▲
Operating profit (loss)9901€68k€80k▲
Financial income75/76B€3k€6k▲
Recurring financial income75€3k€6k▲
Financial charges65/66B€362€-205▼
Recurring financial charges65€362€-205▼
Profit (loss) for the period before taxes9903€71k€86k▲
Income taxes67/77€20k€23k▲
Profit (loss) for the period9904€51k€63k▲
Profit (loss) for the period to be appropriated9905€51k€63k▲
Appropriation of the result
Profit (loss) to be appropriated9906€51k€63k▲
Transfer from equity791/2€18k-
Transfer to equity691/2€51k€63k▲
To other reserves6921€51k€63k▲
Profit to be distributed694/7€18k-
Return on contributions (dividend)694€18k-
The notes to these accounts (7 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
16-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
06-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Equity above €200kEq €203k ▲25.9%
5 profitable years in a row build equity to €203k.
21-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 21 days late
2021
31-12
Financial
Equity above €150kEq €161k ▲23.1%
4 profitable years in a row build equity to €161k.
12-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €72k ▲255%
Operating result €98k, net result €72k, both a record.
31-12
Financial
Equity above €100kEq €131k ▲117%
3 profitable years in a row build equity to €131k.
28-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 28 days late
2019
31-12
Financial
Weakest financial yearnet €20k ▼6.3%
Net result drops to €20k, the lowest in the series; recovery starts the following year.
26-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 26 days late
2018
20-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 20 days late
2017
10-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 10 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 acts for this company are 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, Kontich · 1 establishment unit since 2011
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.
Duffelshoek 1082550 KontichGround area
1,925 m²
Building footprint
365 m²
Volume, LiDAR
2,190 m³
Parcel 11602E0295/00C000, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CERVANTEC
since 20112.201.581.581
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11602E0295/00C000 | Flanders | 1,925 m² | 1 · 365 m² | 8.4 m · 2 fl. |
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.
Public money · subsidies and aid
Flemish government
2024 · 1 entry · 750 EUR awarded · 750 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 750 EUR | 750 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,218 companies in sector 70200 we hold annual accounts for 52,395. 37,252 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded10-08-2011
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
62020IT consultancy
62900Other information technology and computer services
62200Computer consultancy and computer facilities management
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.