CHRIS CEYSSENS
ActiveThe computed 12-month bankruptcy probability of CHRIS CEYSSENS is 2.8% (moderate). The 2025 annual accounts show equity of €505k and a net result of €-59k. Equity is growing by ~12.1% per year across the filed fiscal years. Its solvency ranks better than 56% of 1851 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
57
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability62▼-4
Solvency71▲+4
Growth52=
Track record100
Bankruptcy probability, 12 months
2.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 2.42 against 2.13 in 2024; short-term debt: 21.8% and cash: 13.2% of total assets), but 54.4% 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.
+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 49
Relative position
BE, all sectors
reference
Sector 49
higher
← 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
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
2122232425
2021 to 2025 · latest year €-59k
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 15-07-2026, 16 days ahead of the deadline.
NBB · 5 filingsDeviation from the deadline
2025
16 d early
2024
20 d early
2023
12 d late
2022
32 d late
2021
24 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Source amounts without an identifiable currency are assumed to be EUR.
Equity
€505k▼ 10.5%
2024 · €564k
2021: €263k
2022: €441k
2023: €590k
2024: €564k
2021 → 2025
Total assets
€1.11M▼ 17.7%
2024 · €1.35M
2021: €637k
2022: €1.12M
2023: €1.23M
2024: €1.35M
2021 → 2025
Net result
€-59k▼ 123%
2024 · €-27k
2021: €213k
2022: €179k
2023: €149k
2024: €-27k
2021 → 2025
Working capital
€343k▲ 12.3%
2024 · €306k
2021: €161k
2022: €195k
2023: €310k
2024: €306k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€263k-€441k▲ 68.0%€590k▲ 33.8%€564k▼ 4.5%€505k▼ 10.5%
Operating result€261k-€197k▼ 24.6%€202k▲ 3.0%€-3k€-41k▼ 1,162%
Net result€213k-€179k▼ 16.0%€149k▼ 16.5%€-27k€-59k▼ 123%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €41k in 2025 against €3k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.11M
Fixed assets
€522k▼ 32.1%
Current assets
€585k▲ 1.5%
Equity and liabilities €1.11M
Equity
€505k▼ 10.5%
Debt
€603k▼ 22.9%
The debt ratio falls from 58.1% to 54.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€255k▼
2024 · €280k
Cash flow
€237k▼
2024 · €256k
Solvency
45.6%▲
2024 · 41.9%
Current ratio
2.42▲
2024 · 2.13
Quick ratio
2.41▲
2024 · 2.11
Debt / equity
1.19▼
2024 · 1.39
ROE
-11.8%▼
2024 · -4.7%
ROA
-5.4%▼
2024 · -2.0%
Interest coverage
13.91▼
2024 · 14.35
Debt
€603k▼
2024 · €782k
Debt ≤ 1 year
€242k▼
2024 · €270k
Debt > 1 year
€358k▼
2024 · €509k
Income taxes
€-85▼
2024 · €5k
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€1.35M€1.11M▼
Formation expenses20€141€0▼
Fixed assets21/28€770k€522k▼
Intangible fixed assets21€4k€2k▼
Tangible fixed assets22/27€757k€511k▼
Plant, machinery and equipment23€14k€39k▲
Furniture and vehicles24€121k€70k▼
Leasing and similar rights25€622k€402k▼
Financial fixed assets28€9k€9k=
Current assets29/58€576k€585k▲
Stocks and contracts in progress3€5k€4k▼
Stocks30/36€5k€4k▼
Amounts receivable within one year40/41€330k€420k▲
Trade receivables40€193k€142k▼
Other amounts receivable41€137k€278k▲
Cash at bank and in hand54/58€224k€146k▼
Deferred charges and accrued income490/1€17k€15k▼
Equity and liabilities
Total equity and liabilities10/49€1.35M€1.11M▼
Equity10/15€564k€505k▼
Contributions10/11€50k€50k=
Reserves13€540k€540k=
Distributable reserves133€540k€540k=
Profit (loss) carried forward14€-27k€-86k▼
Amounts payable17/49€782k€603k▼
Amounts payable after more than one year17€509k€358k▼
Financial debts170/4€509k€358k▼
Amounts payable within one year42/48€270k€242k▼
Current portion of amounts payable after more than one year42€141k€146k▲
Trade debts44€73k€60k▼
Suppliers440/4€73k€60k▼
Taxes, remuneration and social security45€22k€0▼
Taxes450/3€22k€0▼
Other amounts payable47/48€34k€36k▲
Accrued charges and deferred income492/3€3k€3k▲
Income statement
Code20242025
Non-recurring operating income76A-€5k
Remuneration, social security and pensions62€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€283k€297k▲
Other operating charges640/8€3k€4k▲
Non-recurring operating charges66A€250€3k▲
Gross operating margin9900€283k€263k▼
Operating profit (loss)9901€-3k€-41k▼
Financial income75/76B€1k€456▼
Recurring financial income75€1k€456▼
Financial charges65/66B€19k€18k▼
Recurring financial charges65€19k€18k▼
Profit (loss) for the period before taxes9903€-21k€-59k▼
Income taxes67/77€5k€-85▼
Profit (loss) for the period9904€-27k€-59k▼
Profit (loss) for the period to be appropriated9905€-27k€-59k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-27k€-86k▼
Profit (loss) brought forward from the previous period14P-€-27k
Transfer to equity691/2€0-
To other reserves6921€0-
Social balance
Average headcount (FTE)9087-0.0
The notes to these accounts (21 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
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €-59k
Net result drops to €-59k, the lowest in the series.
11-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
12-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 12 days late
2023
31-12
Financial
Equity above €500kEq €590k ▲33.8%
3 profitable years in a row build equity to €590k.
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
07-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Peer · 1 establishment unit since 2020
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.
Eggebekstraat 173990 PeerGround area
2,256 m²
Building footprint
192 m²
Volume, LiDAR
882 m³
Parcel 72035B0590/00D000, Flanders · tallest building 7.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Eggebekstraat 17, 3990 Peer
since 20202.304.903.211
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72035B0590/00D000 | Flanders | 2,256 m² | 1 · 192 m² | 7.8 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.
Similar companies · same sector, comparable size
RYBRA
BE 0477.074.011
Lochristi · Eq €504k
Carro-Trans
BE 0695.685.978
Ternat · Eq €505k
WASTIAU G. ET FILS
BE 0450.219.065
Tubize · Eq €505k
COMFETH
BE 0689.537.366
Sint-Jans-Molenbeek · Eq €505k
NICKTRANS
BE 0416.572.042
Lochristi · Eq €505k
Of 12,606 companies in sector 49410 we hold annual accounts for 8,203. 5,194 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-07-2020
Fiscal year end31-12
Activities, NACEBEL
49410Freight transport by road
01500Mixed farming
01610Support activities for crop production
46212Wholesale trade
46216Wholesale of agricultural produce and animal feed, general range
77120Rental and leasing activities
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.