Chrystobel
ActiveChrystobel has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €275k and a net result of €20k. Equity is growing by ~5.5% per year across the filed fiscal years. Its solvency ranks better than 29% of 31584 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability81▲+11
Solvency53▼-1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity short (current ratio 0.31 against 0.09 in 2024; short-term debt: 56.1% and cash: 6.8% of total assets), and 71.6% 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○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 · 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
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
28.4%
Return on assets
2.1%
Age of the figures
17 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-04-2025 was due by 30-11-2025 and was filed on 15-11-2025, 15 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
15 d early
2024
22 d early
2023
7 d early
2022
27 d early
2021
8 d early
2020
5 d early
2019
15 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-04-2026 and is due by 30-11-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-04-2026 close19-09-2026 today30-11-2026 deadline
Financials · fiscal year 2025, micro schema
Turnover
€209k
EBIT margin
12.8%
Net result
€20k▲ 134%
2024 · €9k
2019: €103
2020: €-3k
2021: €12k
2022: €9k
2023: €20k
2024: €9k
2019 → 2025
Working capital
€-375k▲ 6.1%
2024 · €-399k
2019: €-293k
2020: €-312k
2021: €-346k
2022: €-382k
2023: €-381k
2024: €-399k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€209k
Equity€218k-€226k▲ 3.9%€246k▲ 8.7%€255k▲ 3.5%€275k▲ 8.0%
Operating result€23k-€16k▼ 29.4%€30k▲ 85.5%€14k▼ 53.7%€27k▲ 93.6%
Net result€12k-€9k▼ 29.3%€20k▲ 130%€9k▼ 55.9%€20k▲ 134%
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 94% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €968k
Fixed assets
€800k▼ 5.4%
Current assets
€168k▲ 313%
Equity and liabilities €968k
Equity
€275k▲ 8.0%
Provisions
€5k▼ 5.3%
Debt
€688k▲ 9.9%
The debt ratio rises from 70.7% to 71.1%. Equity and debt are higher.
Key figures and ratios
EBITDA
€72k▲
2024 · €61k
Cash flow
€66k▲
2024 · €56k
Solvency
28.4%▼
2024 · 28.7%
Current ratio
0.31▲
2024 · 0.09
Quick ratio
0.31▲
2024 · 0.09
Debt / equity
2.50▲
2024 · 2.46
ROE
7.4%▲
2024 · 3.4%
ROA
2.1%▲
2024 · 1.0%
Interest coverage
44.03▲
2024 · 26.39
Debt
€688k▲
2024 · €626k
Debt ≤ 1 year
€543k▲
2024 · €440k
Debt > 1 year
€105k▼
2024 · €165k
Income taxes
€7k▲
2024 · €3k
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€886k€968k▲
Fixed assets21/28€845k€800k▼
Tangible fixed assets22/27€845k€800k▼
Land and buildings22€844k€799k▼
Plant, machinery and equipment23€1k€553▼
Current assets29/58€41k€168k▲
Amounts receivable after more than one year29€314-
Other amounts receivable291€314-
Amounts receivable within one year40/41€3k€1k▼
Other amounts receivable41€3k€1k▼
Current investments50/53-€100k
Cash at bank and in hand54/58€37k€65k▲
Deferred charges and accrued income490/1€711€1k▲
Equity and liabilities
Total equity and liabilities10/49€886k€968k▲
Equity10/15€255k€275k▲
Contributions10/11€210k€210k=
Outside capital11€210k-
Other1109/19€210k-
Reserves13€39k€59k▲
Non-distributable reserves130/1€58€58=
Reserves not available under the articles1311€58€58=
Tax-exempt reserves132€9k€9k▼
Distributable reserves133€30k€51k▲
Profit (loss) carried forward14€5k€5k=
Provisions and deferred taxes16€5k€5k▼
Deferred taxes168€5k€5k▼
Amounts payable17/49€626k€688k▲
Amounts payable after more than one year17€165k€105k▼
Financial debts170/4€165k€105k▼
Amounts payable within one year42/48€440k€543k▲
Current portion of amounts payable after more than one year42€60k€61k▲
Trade debts44€6k€4k▼
Suppliers440/4€6k€4k▼
Taxes, remuneration and social security45-€68
Taxes450/3-€68
Other amounts payable47/48€374k€478k▲
Accrued charges and deferred income492/3€21k€41k▲
Income statement
Code20242025
Turnover70-€209k
Goods, raw materials, services and sundry goods60/61-€128k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€47k€45k▼
Other operating charges640/8€9k€9k▲
Gross operating margin9900€70k€82k▲
Operating profit (loss)9901€14k€27k▲
Financial income75/76B€48€2k▲
Recurring financial income75€48€2k▲
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€12k€27k▲
Transfer from deferred taxes780€254€254=
Income taxes67/77€3k€7k▲
Profit (loss) for the period9904€9k€20k▲
Transfer from tax-exempt reserves789€493€493=
Profit (loss) for the period to be appropriated9905€9k€21k▲
Appropriation of the result
Profit (loss) to be appropriated9906€15k€26k▲
Profit (loss) brought forward from the previous period14P€5k€5k=
Transfer to equity691/2€9k€21k▲
To other reserves6921€9k€21k▲
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
15-11
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
30-04
Financial
Highest result since 2019net €20k ▲134%
Net result €20k, the highest in the series.
2024
08-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
23-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
03-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
22-11
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
30-04
Financial
Back to profitnet €12k
Net result €12k after one loss-making year.
2020
25-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
30-04
Financial
Weakest financial yearnet €-3k ▼3255%
Net result drops to €-3k, the lowest in the series; recovery starts the following year.
2019
15-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
13-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
21-11
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2016
15-11
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
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, Gent · 1 establishment unit since 2007
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.
Zombeekstraat 179031 GentGround area
1,202 m²
Building footprint
125 m²
Volume, LiDAR
826 m³
Parcel 44017D1510/00B000, Flanders · tallest building 8.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CHRYSTOBEL BVBA
since 20072.162.677.356
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44017D1510/00B000 | Flanders | 1,202 m² | 1 · 125 m² | 8.5 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.
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Of 82,554 companies in sector 70200 we hold annual accounts for 52,573. 38,562 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded08-05-2007
Fiscal year end30-04
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.