Equity
Debts exceed assets in financial year 2025.
Debts exceed assets in financial year 2025.
Of this, €678,172 falls due within a year.
Less equity than 94% of companies in head offices and management consultancy. Sector median €420,112 · 10,642 companies.
In July 2024, 152 companies had the same profile as CiLo has now. Each dot is one company, two years later.
The method was tested on the 497,762 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 2.9% | 3.1% |
| 10 | 5.6% | 6.1% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 152 companies, not a prediction for CiLo. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
| Company | ||||
|---|---|---|---|---|
| CiLo Antwerp | €0.9m | €2.3m | -3.1% | 0 |
| Down2Earth Partners II Antwerp | €1.3m | €1.5m | 82.3% | 2 |
| New Innovative Management Consult Lanaken | €0.8m | €0.7m | 63.6% | 0 |
| Awanze Finances Assesse | €2.8m | €1.8m | 17.4% | 0 |
| Ian Sedgman Woluwe-Saint-Pierre | €3.1m | €1.8m | 74.1% | 0 |
| JACARANDA CONSULTING Antwerp | €0.9m | €0.9m | 75.1% | - |
| Tee&Tee Schilde | €3.5m | €1.9m | 83.9% | 0 |
These companies have the same main activity as CiLo: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €760,000 and €3.5m, founded between 2023 and 2024.
CiLo has been active since 2025 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show negative equity (-€27,757) and a net result of -€33,757.
Its solvency ranks better than 8% of 10,637 sector peers (NACE 70, financial year 2025).
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
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