CET
ActiveSummary
CET has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €92k and a net result of €71k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 24% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability90=
Solvency47▲+7
Growth78=
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity tight (current ratio 1.08 against 0.96 in 2024; short-term debt: 12.7% and cash: 8.9% of total assets), and 78.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises 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 →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
21.7%
Return on assets
16.7%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 24% of 31694 sector peers (2025).
NBB · sector comparisonPosition among 31694 sector peers
Solvency
better than 24%
← weakest
strongest →
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 · 7 filingsDeviation from the deadline
2025
8 d early
2024
13 d early
2023
5 d early
2022
11 d early
2021
2 d early
2020
2 d early
2019
60 d late
← before the deadline
after the deadline →
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.
Companies Code · seven monthsPosition in the running window
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€92k▲ 47.7%
2024 · €62k
2019: €2k
2020: €-2k
2021: €-4k
2022: €-7k
2023: €-12k
2024: €62k
2019 → 2025
Total assets
€425k▼ 0.2%
2024 · €425k
2019: €439k
2020: €419k
2021: €396k
2022: €373k
2023: €351k
2024: €425k
2019 → 2025
Net result
€71k▼ 4.2%
2024 · €74k
2019: €-18k
2020: €-4k
2021: €-2k
2022: €-3k
2023: €-4k
2024: €74k
2019 → 2025
Working capital
€4k
2024 · €-3k
2019: €-20k
2020: €-26k
2021: €-27k
2022: €-31k
2023: €-35k
2024: €-3k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-4k-€-7k▼ 83.0%€-12k▼ 57.2%€62k€92k▲ 47.7%
Operating result€7k-€5k▼ 29.8%€4k▼ 20.1%€93k▲ 2,410%€98k▲ 4.4%
Net result€-2k-€-3k▼ 93.1%€-4k▼ 26.2%€74k€71k▼ 4.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 4% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €425k
Fixed assets
€366k ▲ 0.3%
Current assets
€58k ▼ 3.1%
Equity and liabilities €425k
Equity
€92k ▲ 47.7%
Debt
€333k ▼ 8.4%
Debt's share of the balance-sheet total falls from 85.3% to 78.3%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€127k▲
2024 · €120k
Cash flow
€101k▲
2024 · €100k
Current ratio
1.08▲
2024 · 0.96
Debt to equity
3.61▼
2024 · 5.83
ROE
77.0%▼
2024 · 118.7%
ROA
16.7%▼
2024 · 17.4%
Interest coverage
16.99▲
2024 · 14.24
Debt ≤ 1 year
€54k▼
2024 · €63k
Debt > 1 year
€278k▼
2024 · €300k
Income taxes
€19k▲
2024 · €11k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€425k€425k▼
Fixed assets21/28€365k€366k▲
Tangible fixed assets22/27€365k€366k▲
Land and buildings22€322k€313k▼
Plant, machinery and equipment23-€3k
Furniture and vehicles24€3k€15k▲
Other tangible fixed assets26€40k€36k▼
Current assets29/58€60k€58k▼
Amounts receivable within one year40/41€20k€19k▼
Trade receivables40€16k€18k▲
Other amounts receivable41€4k€945▼
Cash at bank and in hand54/58€37k€38k▲
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€425k€425k▼
Equity10/15€62k€92k▲
Contributions10/11€20k€20k=
Reserves13€42k€72k▲
Distributable reserves133€42k€72k▲
Amounts payable17/49€363k€333k▼
Amounts payable after more than one year17€300k€278k▼
Financial debts170/4€300k€278k▼
Amounts payable within one year42/48€63k€54k▼
Current portion of amounts payable after more than one year42€22k€22k=
Trade debts44€2k€6k▲
Suppliers440/4€2k€6k▲
Taxes, remuneration and social security45€11k€18k▲
Taxes450/3€11k€18k▲
Other amounts payable47/48€27k€9k▼
Accrued charges and deferred income492/3€350€561▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€26k€30k▲
Other operating charges640/8€1k€2k▲
Gross operating margin9900€121k€129k▲
Operating profit (loss)9901€93k€98k▲
Financial income75/76B€0€16▲
Recurring financial income75€0€16▲
Financial charges65/66B€8k€7k▼
Recurring financial charges65€8k€7k▼
Profit (loss) for the period before taxes9903€85k€90k▲
Income taxes67/77€11k€19k▲
Profit (loss) for the period9904€74k€71k▼
Profit (loss) for the period to be appropriated9905€74k€71k▼
Appropriation of the result
Profit (loss) to be appropriated9906€42k€71k▲
Profit (loss) brought forward from the previous period14P€-32k-
Transfer from equity791/2-€41k
Transfer to equity691/2€42k€71k▲
To other reserves6921€42k€71k▲
Profit to be distributed694/7-€41k
Return on contributions (dividend)694-€41k
The notes to these accounts (9 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
23-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
18-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Back to profitnet €74k
Net result €74k after 5 loss-making years.
26-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
20-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
29-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
29-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 60 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Kalmthout · 1 establishment unit since 2019
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.
Elzendreef (Heide) 32920 KalmthoutGround area
2,220 m²
Building footprint
163 m²
Volume, LiDAR
632 m³
Parcel 11022F0004/00B023, Flanders · tallest building 21.7 m. Linked by address, not a title deed.
1 establishment unit
CET
since 20192.285.530.925
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11022F0004/00B023 | Flanders | 2,220 m² | 1 · 163 m² | 21.7 m |
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.
Similar companies · same sector, comparable size
ANJA S.
BE 0798.595.060
Lommel · Eq €92,027
By the way - Consulting
BE 0739.728.631
Charleroi · Eq €92,028
BREUGELMANS
BE 0506.651.190
Beerse · Eq €92,029
Aegis Management & Consulting
BE 1012.796.103
Tremelo · Eq €92,019
BERTHY VAN ACKER
BE 0826.262.727
Beveren-Kruibeke-Zwijndrecht · Eq €92,035
Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 40,465 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-02-2019
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
68204Real estate activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:000000000