Christiemmo
ActiveThe computed 12-month bankruptcy probability of Christiemmo is 2.6% (moderate). The 2025 annual accounts show equity of €53k and a net result of €2k. Equity is growing by ~3.6% per year across the filed fiscal years. The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
41
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability69=
Solvency29=
Growth78=
Track record94
Bankruptcy probability, 12 months
2.6%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days only on tighter terms
Liquidity short (current ratio 0.06 against 0.04 in 2024; short-term debt: 95.6% and cash: 5% of total assets), and 95.6% 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+raises risk○neutral
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
4.4%
Return on assets
0.1%
Age of the figures
15 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 24-12-2025, 38 days ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
38 d early
2024
30 d early
2023
60 d late
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close22-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€53k▲ 3.3%
2024 · €52k
2023: €50k
2024: €52k
2023 → 2025
Total assets
€1.20M▼ 2.2%
2024 · €1.23M
2023: €1.25M
2024: €1.23M
2023 → 2025
Net result
€2k▼ 13.0%
2024 · €2k
2023: €-244
2024: €2k
2023 → 2025
Working capital
€-1.09M▲ 4.1%
2024 · €-1.13M
2023: €-1.17M
2024: €-1.13M
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€50k-€52k▲ 4.0%€53k▲ 3.3%
Operating result€2k-€6k▲ 165%€6k▲ 4.9%
Net result€-244-€2k€2k▼ 13.0%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen two years in a row; 2025 is 5% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.20M
Fixed assets
€1.14M▼ 3.8%
Current assets
€64k▲ 38.4%
Equity and liabilities €1.20M
Equity
€53k▲ 3.3%
Debt
€1.15M▼ 2.5%
The debt ratio falls from 95.8% to 95.6%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€54k▲
2024 · €54k
Cash flow
€50k▲
2024 · €50k
Solvency
4.4%▲
2024 · 4.2%
Current ratio
0.06▲
2024 · 0.04
Quick ratio
0.06▲
2024 · 0.04
Debt / equity
21.52▼
2024 · 22.80
ROE
3.2%▼
2024 · 3.8%
ROA
0.1%▼
2024 · 0.2%
Interest coverage
13.77▼
2024 · 15.76
Debt
€1.15M▼
2024 · €1.18M
Debt ≤ 1 year
€1.15M▼
2024 · €1.18M
Income taxes
€592▲
2024 · €580
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€1.23M€1.20M▼
Formation expenses20€751€477▼
Fixed assets21/28€1.18M€1.14M▼
Tangible fixed assets22/27€1.18M€1.14M▼
Land and buildings22€1.18M€1.14M▼
Current assets29/58€46k€64k▲
Cash at bank and in hand54/58€42k€61k▲
Deferred charges and accrued income490/1€4k€3k▼
Equity and liabilities
Total equity and liabilities10/49€1.23M€1.20M▼
Equity10/15€52k€53k▲
Contributions10/11€50k€50k=
Profit (loss) carried forward14€2k€3k▲
Amounts payable17/49€1.18M€1.15M▼
Amounts payable within one year42/48€1.18M€1.15M▼
Taxes, remuneration and social security45€2k€2k▲
Taxes450/3€2k€2k▲
Other amounts payable47/48€1.18M€1.15M▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€48k€48k▲
Other operating charges640/8€8k€8k▲
Gross operating margin9900€62k€63k▲
Operating profit (loss)9901€6k€6k▲
Financial charges65/66B€3k€4k▲
Recurring financial charges65€3k€4k▲
Profit (loss) for the period before taxes9903€3k€2k▼
Income taxes67/77€580€592▲
Profit (loss) for the period9904€2k€2k▼
Profit (loss) for the period to be appropriated9905€2k€2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€2k€3k▲
Profit (loss) brought forward from the previous period14P€-244€2k▲
The notes to these accounts (5 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
2025
24-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
01-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
30-06
Financial
Back to profitnet €2k
Net result €2k after one loss-making year.
31-03
NBB filing
Annual accounts filed
fiscal year 2023 · 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
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, Sint-Lievens-Houtem · 1 establishment unit since 2022
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.
Marktplein 559520 Sint-Lievens-HoutemGround area
647 m²
Building footprint
222 m²
Volume, LiDAR
1,162 m³
Parcel 41063C0253/00K000, Flanders · tallest building 10.4 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Marktplein 55, 9520 Sint-Lievens-Houtem
since 20222.332.074.691
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 41063C0253/00K000 | Flanders | 647 m² | 1 · 222 m² | 10.4 m · 1 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.
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded28-03-2022
Fiscal year end30-06
Sources
Crossroads Bank for EnterprisesNational Bank · 3 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.