CHECK POINT
ActiveSummary
The annual accounts of CHECK POINT for fiscal year 2025 show a net loss of 52% of total assets. The 2025 annual accounts show equity of €77k and a net result of €-40k. Equity is shrinking by ~20.5% per year across the filed fiscal years. Its solvency ranks better than 95% of 11389 sector peers (fiscal year 2025). The company has been active since 1985 and the Belgian State Gazette contains no insolvency or warning signals. The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
59
/ 100
Fair
A net loss of at least half of total assets or of the equity at the start of the financial year caps the score. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-69
Solvency100=
Growth32=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4.5k at 30 days only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
short-term debt: 0.4% and cash: 52.3% of total assets, and 0.4% of the assets are financed with debt.
Credit check 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 · 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Wholesale trade (NACE 46)
about 21% more bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
99.6%
Return on assets
-52.4%
Age of the figures
9 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 22-07-2026, 9 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
9 d early
2024
16 d early
2023
2 d early
2022
on the day
2021
4 d early
2020
4 d early
2019
2 d early
← 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
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€77k▼ 34.5%
2024 · €117k
2018: €327k
2019: €350k▲ +6.9% vs 2018highest in 8 years
2020: €268k▼ -23.4% vs 2019
2021: €201k▼ -25.1% vs 2020
2022: €116k▼ -42.2% vs 2021
2023: €117k▲ +1.0% vs 2022
2024: €117k▲ +0.2% vs 2023
2025: €77k▼ -34.5% vs 2024lowest in 8 years
2018 → 2025
Total assets
€77k▼ 37.8%
2024 · €124k
2018: €339k
2019: €365k▲ +7.8% vs 2018highest in 8 years
2020: €360k▼ -1.4% vs 2019
2021: €227k▼ -37.0% vs 2020
2022: €173k▼ -24.0% vs 2021
2023: €151k▼ -12.6% vs 2022
2024: €124k▼ -17.9% vs 2023
2025: €77k▼ -37.8% vs 2024lowest in 8 years
2018 → 2025
Net result
€-40k
2024 · €177
2018: €65khighest in 8 years
2019: €24k▼ -62.6% vs 2018
2020: €7k▼ -69.8% vs 2019
2021: €-67k▼ -1018% vs 2020lowest in 8 years
2022: €-33k▲ +51.1% vs 2021
2023: €1k▲ +104% vs 2022
2024: €177▼ -85.3% vs 2023
2025: €-40k▼ -22878% vs 2024
2018 → 2025
Working capital
€65k▼ 36.0%
2024 · €101k
2018: €271k
2019: €306k▲ +12.9% vs 2018highest in 8 years
2020: €214k▼ -29.9% vs 2019
2021: €158k▼ -26.2% vs 2020
2022: €84k▼ -46.6% vs 2021
2023: €95k▲ +12.0% vs 2022
2024: €101k▲ +6.8% vs 2023
2025: €65k▼ -36.0% vs 2024lowest in 8 years
2018 → 2025
Trend over the years
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€201k-€116k▼ 42.2%€117k▲ 1.0%€117k▲ 0.2%€77k▼ 34.5%
2021: €201khighest in 5 years
2022: €116k▼ -42.2% vs 2021
2023: €117k▲ +1.0% vs 2022
2024: €117k▲ +0.2% vs 2023
2025: €77k▼ -34.5% vs 2024lowest in 5 years
Operating result€-63k-€-31k▲ 51.3%€3k€705▼ 72.0%€-40k
2021: €-63klowest in 5 years
2022: €-31k▲ +51.3% vs 2021
2023: €3k▲ +108% vs 2022highest in 5 years
2024: €705▼ -72.0% vs 2023
2025: €-40k▼ -5842% vs 2024
Net result€-67k-€-33k▲ 51.1%€1k€177▼ 85.3%€-40k
2021: €-67klowest in 5 years
2022: €-33k▲ +51.1% vs 2021
2023: €1k▲ +104% vs 2022highest in 5 years
2024: €177▼ -85.3% vs 2023
2025: €-40k▼ -22878% vs 2024
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €40k after €705 in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €77k
Fixed assets
€12k ▼ 25.0%
Current assets
€65k ▼ 39.8%
Equity and liabilities €77k
Equity
€77k ▼ 34.5%
Debt
€276 ▼ 95.9%
Debt's share of the balance-sheet total falls from 5.5% to 0.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-35k▼
2024 · €7k
Cash flow
€-35k▼
2024 · €6k
Debt to equity
0.00▼
2024 · 0.06
ROE
-52.6%▼
2024 · 0.2%
ROA
-52.4%▼
2024 · 0.1%
Interest coverage
-86.33▼
2024 · 10.22
Debt ≤ 1 year
€276▼
2024 · €7k
A ratio outside any meaningful range has been withheld (balance sheet total €77k, equity €77k).
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 · 38 lines
Balance sheet
Code20242025
Assets
Total assets20/58€124k€77k▼
Fixed assets21/28€16k€12k▼
Tangible fixed assets22/27€16k€12k▼
Land and buildings22€15k€11k▼
Furniture and vehicles24€1k€1k▲
Current assets29/58€108k€65k▼
Amounts receivable within one year40/41€54k€25k▼
Trade receivables40€48k€19k▼
Other amounts receivable41€6k€6k▼
Cash at bank and in hand54/58€54k€40k▼
Deferred charges and accrued income490/1€199-
Equity and liabilities
Total equity and liabilities10/49€124k€77k▼
Equity10/15€117k€77k▼
Contributions10/11€19k€19k=
Reserves13€153k€153k=
Distributable reserves133€153k€153k=
Profit (loss) carried forward14€-54k€-95k▼
Amounts payable17/49€7k€276▼
Amounts payable within one year42/48€7k€276▼
Trade debts44€6k€276▼
Suppliers440/4€6k€276▼
Taxes, remuneration and social security45€454-
Taxes450/3€454-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€5k▼
Other operating charges640/8€538-
Gross operating margin9900€8k€-35k▼
Operating profit (loss)9901€705€-40k▼
Financial income75/76B€287€445▲
Recurring financial income75€287€445▲
Financial charges65/66B€683€410▼
Recurring financial charges65€683€410▼
Profit (loss) for the period before taxes9903€308€-40k▼
Income taxes67/77€131-
Profit (loss) for the period9904€177€-40k▼
Profit (loss) for the period to be appropriated9905€177€-40k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-91k€-95k▼
Profit (loss) brought forward from the previous period14P€-91k€-54k▲
Transfer from equity791/2€37k-
The notes to these accounts (7 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Accounts by statement
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €32k | €11k | €11k | €6k | €5k | ▼ 19.9% |
| Other operating charges640/8 | €17k | €1k | €1k | €538 | - | - |
| Gross operating margin9900 | €-14k | €-18k | €15k | €8k | €-35k | ▼ 571% |
| Operating profit (loss)9901 | €-63k | €-31k | €3k | €705 | €-40k | ▼ 5,842% |
| Financial income75/76B | €28 | €232 | €118 | €287 | €445 | ▲ 54.9% |
| Recurring financial income75 | €28 | €232 | €118 | €287 | €445 | ▲ 54.9% |
| Financial charges65/66B | €4k | €2k | €1k | €683 | €410 | ▼ 40.0% |
| Recurring financial charges65 | €4k | €2k | €1k | €683 | €410 | ▼ 40.0% |
| Profit (loss) for the period before taxes9903 | €-67k | €-32k | €2k | €308 | €-40k | ▼ 13,203% |
| Income taxes67/77 | €650 | €426 | €420 | €131 | - | - |
| Profit (loss) for the period9904 | €-67k | €-33k | €1k | €177 | €-40k | ▼ 22,878% |
| Profit (loss) for the period to be appropriated9905 | €-67k | €-33k | €1k | €177 | €-40k | ▼ 22,878% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €227k | €173k | €151k | €124k | €77k | ▼ 37.8% |
| Fixed assets21/28 | €42k | €31k | €22k | €16k | €12k | ▼ 25.0% |
| Tangible fixed assets22/27 | €42k | €31k | €22k | €16k | €12k | ▼ 25.0% |
| Land and buildings22 | €28k | €24k | €19k | €15k | €11k | ▼ 28.5% |
| Furniture and vehicles24 | €15k | €8k | €3k | €1k | €1k | ▲ 22.4% |
| Current assets29/58 | €185k | €141k | €129k | €108k | €65k | ▼ 39.8% |
| Amounts receivable within one year40/41 | €49k | €26k | €43k | €54k | €25k | ▼ 54.1% |
| Trade receivables40 | €24k | €8k | €37k | €48k | €19k | ▼ 60.6% |
| Other amounts receivable41 | €24k | €18k | €6k | €6k | €6k | ▼ 0.4% |
| Cash at bank and in hand54/58 | €136k | €115k | €85k | €54k | €40k | ▼ 25.2% |
| Deferred charges and accrued income490/1 | €260 | €566 | €398 | €199 | - | - |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €227k | €173k | €151k | €124k | €77k | ▼ 37.8% |
| Equity10/15 | €201k | €116k | €117k | €117k | €77k | ▼ 34.5% |
| Contributions10/11 | €19k | €19k | €19k | €19k | €19k | = |
| Reserves13 | €241k | €189k | €189k | €153k | €153k | = |
| Non-distributable reserves130/1 | €2k | €2k | - | - | - | - |
| Reserves not available under the articles1311 | €2k | €2k | - | - | - | - |
| Distributable reserves133 | €239k | €187k | €189k | €153k | €153k | = |
| Profit (loss) carried forward14 | €-59k | €-92k | €-91k | €-54k | €-95k | ▼ 74.6% |
| Amounts payable17/49 | €27k | €57k | €34k | €7k | €276 | ▼ 95.9% |
| Amounts payable within one year42/48 | €27k | €57k | €34k | €7k | €276 | ▼ 95.9% |
| Trade debts44 | €3k | €5k | €6k | €6k | €276 | ▼ 95.6% |
| Suppliers440/4 | €3k | €5k | €6k | €6k | €276 | ▼ 95.6% |
| Taxes, remuneration and social security45 | €23k | €3k | - | €454 | - | - |
| Taxes450/3 | €23k | €3k | - | €454 | - | - |
| Other amounts payable47/48 | €293 | €49k | €28k | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-67k | €-33k | €1k | €177 | €-40k | ▼ 22,878% |
| + Depreciation and write-downs630 | €32k | €11k | €11k | €6k | €5k | ▼ 19.9% |
| Operating cash flow (approximation) | €-35k | €-22k | €12k | €6k | €-35k | ▼ 648% |
| Investment in fixed assets (approximation) | - | €0 | €-2k | €0 | €-999 | - |
| Change in cash | - | €-21k | €-29k | €-31k | €-14k | ▲ 56.7% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
22-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Liquidity times 15current ratio 235.33
Current ratio from 15.88 to 235.33; short-term debt falls from €7k to €276.
15-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity quadruplescurrent ratio 15.88
Current ratio from 3.79 to 15.88; short-term debt falls from €34k to €7k.
29-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €1k
Net result €1k after 2 loss-making years.
31-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €-67k
Net result drops to €-67k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 6.93
Current ratio from 3.32 to 6.93; short-term debt falls from €92k to €27k.
27-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
29-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Show earlier events
2019
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
30-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
12-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Scherpenheuvel-Zichem · 2 establishment units since 1985
Ground area
2,460 m²
Building footprint
356 m²
Volume, LiDAR
1,699 m³
2 parcels, Flanders · tallest building 8.8 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
Engsbergseweg 31, 3980 Tessenderlo-Ham
since 19852.040.069.257
CHECK POINT BVBA
since 19912.040.069.356
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24098A0229/00P002 | Flanders | 1,932 m² | 1 · 356 m² | 8.8 m · 2 fl. |
| 71364D0682/00Z013 | Flanders | 528 m² | - | - |
Linked by address, not proof of ownership
Good to know
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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CREA CLARA
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Of 1,276 companies in sector 46160 we hold annual accounts for 686. 535 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded31-01-1985
Fiscal year end31-12
Activities, NACEBEL 2025
46160Agents in the wholesale of textiles, clothing, fur, footwear and leather goods
Scores and ratios are computed by Checked and are not a credit decision.