CIAM
ActiveCIAM has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €135k and a net result of €20k. Equity is shrinking by ~3.5% per year across the filed fiscal years. Its solvency ranks better than 39% of 31510 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
64
/ 100
Healthy▲ +18 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76▲+42
Solvency53▲+11
Growth58▲+26
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity short (current ratio 0.38 against 0.33 in 2024), and 57.9% 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
42.1%
Return on assets
6.4%
Age of the figures
8 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 10-07-2026, 21 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
21 d early
2024
42 d early
2023
6 d early
2022
10 d late
2021
32 d early
2020
46 d early
2019
8 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€135k▲ 17.0%
2024 · €115k
2018: €164k
2019: €185k
2020: €128k
2021: €107k
2022: €118k
2023: €125k
2024: €115k
2018 → 2025
Total assets
€320k▼ 5.6%
2024 · €339k
2018: €191k
2019: €211k
2020: €161k
2021: €383k
2022: €373k
2023: €367k
2024: €339k
2018 → 2025
Net result
€20k▲ 157%
2024 · €8k
2018: €18k
2019: €21k
2020: €22k
2021: €11k
2022: €17k
2023: €19k
2024: €8k
2018 → 2025
Working capital
€-114k▲ 12.0%
2024 · €-130k
2018: €160k
2019: €175k
2020: €118k
2021: €-100k
2022: €-97k
2023: €-107k
2024: €-130k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€107k-€118k▲ 9.7%€125k▲ 6.2%€115k▼ 7.8%€135k▲ 17.0%
Operating result€23k-€36k▲ 56.1%€40k▲ 9.8%€28k▼ 29.3%€35k▲ 24.1%
Net result€11k-€17k▲ 51.3%€19k▲ 15.6%€8k▼ 58.5%€20k▲ 157%
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 24% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €320k
Fixed assets
€250k▼ 8.8%
Current assets
€70k▲ 7.9%
Equity and liabilities €320k
Equity
€135k▲ 17.0%
Debt
€185k▼ 17.3%
The debt ratio falls from 66.0% to 57.9%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€59k▲
2024 · €52k
Cash flow
€45k▲
2024 · €32k
Solvency
42.1%▲
2024 · 34.0%
Current ratio
0.38▲
2024 · 0.33
Quick ratio
0.38▲
2024 · 0.33
Debt / equity
1.37▼
2024 · 1.94
ROE
15.1%▲
2024 · 6.9%
ROA
6.4%▲
2024 · 2.3%
Interest coverage
71.86▲
2024 · 4.31
Debt
€185k▼
2024 · €224k
Debt ≤ 1 year
€184k▼
2024 · €195k
Debt > 1 year
€0▼
2024 · €18k
Income taxes
€14k▲
2024 · €8k
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€339k€320k▼
Fixed assets21/28€275k€250k▼
Tangible fixed assets22/27€271k€246k▼
Land and buildings22€263k€241k▼
Plant, machinery and equipment23€871€660▼
Furniture and vehicles24€2k€1k▼
Other tangible fixed assets26€4k€4k=
Financial fixed assets28€4k€4k=
Current assets29/58€64k€70k▲
Amounts receivable within one year40/41€3k€738▼
Trade receivables40€0-
Other amounts receivable41€3k€738▼
Cash at bank and in hand54/58€50k€57k▲
Deferred charges and accrued income490/1€12k€12k▼
Equity and liabilities
Total equity and liabilities10/49€339k€320k▼
Equity10/15€115k€135k▲
Contributions10/11€12k€12k=
Reserves13€103k€122k▲
Distributable reserves133€103k€122k▲
Profit (loss) carried forward14€254€254=
Amounts payable17/49€224k€185k▼
Amounts payable after more than one year17€18k€0▼
Financial debts170/4€18k€0▼
Amounts payable within one year42/48€195k€184k▼
Current portion of amounts payable after more than one year42€35k€18k▼
Trade debts44€6k€1k▼
Suppliers440/4€6k€1k▼
Taxes, remuneration and social security45€42€2k▲
Taxes450/3€42€2k▲
Other amounts payable47/48€154k€163k▲
Accrued charges and deferred income492/3€12k€1k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€24k€24k▲
Other operating charges640/8€3k€3k▼
Gross operating margin9900€56k€62k▲
Operating profit (loss)9901€28k€35k▲
Financial income75/76B€6€0▼
Recurring financial income75€6€0▼
Financial charges65/66B€12k€825▼
Recurring financial charges65€12k€825▼
Profit (loss) for the period before taxes9903€16k€34k▲
Income taxes67/77€8k€14k▲
Profit (loss) for the period9904€8k€20k▲
Profit (loss) for the period to be appropriated9905€8k€20k▲
Appropriation of the result
Profit (loss) to be appropriated9906€8k€21k▲
Profit (loss) brought forward from the previous period14P€254€254=
Transfer from equity791/2€17k€0▼
Transfer to equity691/2€7k€20k▲
To other reserves6921€7k€20k▲
Profit to be distributed694/7€18k€833▼
Return on contributions (dividend)694€18k€833▼
The notes to these accounts (10 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
10-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
19-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €8k ▼58.5%
Net result drops to €8k, the lowest in the series; recovery starts the following year.
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
10-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 10 days late
2022
29-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
15-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Highest result since 2018net €22k ▲4.7%
Net result €22k, the highest in the series.
23-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
29-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
27-07
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.
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, Brugge · 1 establishment unit since 2005
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.
Dirk Martensstraat 228200 BruggeGround area
1,864 m²
Building footprint
463 m²
Parcel 31424B0624/00P000, Flanders. Linked by address, not a title deed.
1 establishment unit
CIAM
since 20052.144.357.917
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31424B0624/00P000 | Flanders | 1,864 m² | 1 · 463 m² | - |
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
DDNS
BE 1002.228.942
Heist-op-den-Berg · Eq €135k
Ad-Flex
BE 0774.852.133
Laarne · Eq €135k
VERTAS
BE 0477.530.109
Haacht · Eq €135k
CDF CONSULTING
BE 0788.779.353
Roeselare · Eq €135k
TCE
BE 0463.035.438
Koksijde · Eq €135k
Of 82,218 companies in sector 70200 we hold annual accounts for 52,395. 40,744 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-12-2004
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74142
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 12-09-2026. Scores and ratios are computed by Checked and are not a credit decision.