Ciconsilium
ActiveCiconsilium has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €432k and a net result of €90k. Equity is growing by ~17.3% per year across the filed fiscal years. Its solvency ranks better than 95% of 7697 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
89
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability94▼-6
Solvency100=
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35k at 30 days acceptable
Liquidity ample (current ratio 28.75 against 30.58 in 2024; short-term debt: 3.5% and cash: 19.2% of total assets), and 3.5% 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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
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
96.5%
Return on assets
20.2%
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 13-07-2026, 18 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
18 d early
2024
26 d early
2023
6 d early
2022
4 d early
2021
25 d early
2020
27 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€432k▲ 0.1%
2024 · €431k
2020: €117k
2021: €234k
2022: €879k
2023: €298k
2024: €431k
2020 → 2025
Total assets
€447k▲ 0.3%
2024 · €446k
2020: €137k
2021: €255k
2022: €894k
2023: €1.01M
2024: €446k
2020 → 2025
Net result
€90k▼ 32.3%
2024 · €134k
2020: €112k
2021: €117k
2022: €645k
2023: €119k
2024: €134k
2020 → 2025
Working capital
€428k▼ 0.1%
2024 · €429k
2020: €78k
2021: €204k
2022: €858k
2023: €285k
2024: €429k
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€234k-€879k▲ 276%€298k▼ 66.1%€431k▲ 44.9%€432k▲ 0.1%
Operating result€165k-€856k▲ 419%€143k▼ 83.3%€144k▲ 0.5%€120k▼ 17.0%
Net result€117k-€645k▲ 451%€119k▼ 81.6%€134k▲ 12.5%€90k▼ 32.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 17% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €447k
Fixed assets
€3k▲ 27.3%
Current assets
€444k▲ 0.2%
Equity and liabilities €447k
Equity
€432k▲ 0.1%
Debt
€15k▲ 6.5%
The debt ratio rises from 3.3% to 3.5%. Equity and debt are higher.
Key figures and ratios
EBITDA
€122k▼
2024 · €154k
Cash flow
€93k▼
2024 · €143k
Solvency
96.5%▼
2024 · 96.7%
Current ratio
28.75▼
2024 · 30.58
Quick ratio
28.75▼
2024 · 30.58
Debt / equity
0.04▲
2024 · 0.03
ROE
21.0%▼
2024 · 31.0%
ROA
20.2%▼
2024 · 30.0%
Interest coverage
22.52▼
2024 · 3522.34
Debt
€15k▲
2024 · €14k
Debt ≤ 1 year
€15k▲
2024 · €14k
Income taxes
€33k▼
2024 · €47k
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€446k€447k▲
Fixed assets21/28€3k€3k▲
Tangible fixed assets22/27€3k€3k▲
Plant, machinery and equipment23€833€288▼
Furniture and vehicles24€2k€0▼
Other tangible fixed assets26-€3k
Current assets29/58€443k€444k▲
Amounts receivable within one year40/41€28k€30k▲
Trade receivables40€20k€20k▲
Other amounts receivable41€8k€10k▲
Current investments50/53€381k€325k▼
Cash at bank and in hand54/58€35k€86k▲
Deferred charges and accrued income490/1-€3k
Equity and liabilities
Total equity and liabilities10/49€446k€447k▲
Equity10/15€431k€432k▲
Contributions10/11€5k€5k=
Reserves13€200k€427k▲
Distributable reserves133€200k€427k▲
Profit (loss) carried forward14€226k-
Amounts payable17/49€14k€15k▲
Amounts payable within one year42/48€14k€15k▲
Trade debts44€272€2k▲
Suppliers440/4€272€2k▲
Taxes, remuneration and social security45€11k-
Taxes450/3€11k-
Other amounts payable47/48€3k€13k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€10k€2k▼
Other operating charges640/8€2k€29k▲
Gross operating margin9900€156k€151k▼
Operating profit (loss)9901€144k€120k▼
Financial income75/76B€37k€9k▼
Recurring financial income75€37k€9k▼
Financial charges65/66B€44€5k▲
Recurring financial charges65€44€5k▲
Profit (loss) for the period before taxes9903€180k€123k▼
Income taxes67/77€47k€33k▼
Profit (loss) for the period9904€134k€90k▼
Profit (loss) for the period to be appropriated9905€134k€90k▼
Appropriation of the result
Profit (loss) to be appropriated9906€226k€317k▲
Profit (loss) brought forward from the previous period14P€93k€226k▲
Transfer to equity691/2-€227k
To other reserves6921-€227k
Profit to be distributed694/7-€90k
Return on contributions (dividend)694-€90k
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
2026
13-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €90k ▼32.3%
Net result drops to €90k, the lowest in the series.
05-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Liquidity times 22current ratio 30.58
Current ratio from 1.40 to 30.58; short-term debt falls from €715k to €14k.
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
27-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Highest result since 2020net €645k ▲451%
Operating result €856k, net result €645k, both a record.
31-12
Financial
Liquidity times 5current ratio 57.00
Current ratio from 10.56 to 57.00; short-term debt falls from €21k to €15k.
31-12
Financial
Equity above €500kEq €879k ▲276%
3 profitable years in a row build equity to €879k.
06-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
16-05
State Gazette act
General meeting · Director resignation
Permanent representative · Director appointment
2021
31-12
Financial
Liquidity doublescurrent ratio 10.56
Current ratio from 4.82 to 10.56.
31-12
Financial
Equity above €200kEq €234k ▲101%
2 profitable years in a row build equity to €234k.
04-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneState Gazette actNBB 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, Hamme (Vl.) · 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.
Lippeveld 229220 Hamme (Vl.)Ground area
1,936 m²
Building footprint
164 m²
Volume, LiDAR
890 m³
Parcel 42452C0956/00E000, Flanders · tallest building 7.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Ciconsilium
since 20202.300.395.283
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42452C0956/00E000 | Flanders | 1,936 m² | 1 · 164 m² | 7.9 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.
Public money · subsidies and aid
Flemish government
2024 to 2025 · 2 entries · 144 EUR awarded · 63 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 81 EUR | 0 EUR |
| 2024 | 1 | 63 EUR | 63 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
894500572KMKRGU6X759
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Of 24,497 companies in sector 82990 we hold annual accounts for 9,397. 6,077 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-01-2020
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.