CINDY MATOS
ActiveCINDY MATOS has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €18k and a net result of €20k. Equity is growing by ~51.1% per year across the filed fiscal years. Its solvency ranks better than 38% of 19907 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2024
84
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability100▲+54
Solvency79▼-4
Growth78▲+26
Track record94
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 2.02 against 2.51 in 2023; short-term debt: 45.1% and cash: 32.3% of total assets), and 46% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Sector 86
lower
← fewer bankruptcies
more bankruptcies →
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
54%
Return on assets
62.3%
Age of the figures
21 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 27-08-2025, 27 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 4 filingsDeviation from the deadline
2025
not confirmed
2024
27 d late
2023
50 d late
2022
32 d late
2021
91 d late
← before the deadline
after the deadline →
Financials · fiscal year 2024, micro schema
Equity
€18k▲ 141%
2023 · €7k
2021: €5k
2022: €7k
2023: €7k
2021 → 2024
Total assets
€33k▲ 158%
2023 · €13k
2021: €9k
2022: €9k
2023: €13k
2021 → 2024
Net result
€20k▲ 4,750%
2023 · €418
2021: €3k
2022: €2k
2023: €418
2021 → 2024
Working capital
€15k▲ 96.7%
2023 · €8k
2021: €7k
2022: €3k
2023: €8k
2021 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2021202220232024Trend
Equity€5k-€7k▲ 46.8%€7k▲ 6.1%€18k▲ 141%
Operating result€3k-€4k▲ 2.8%€2k▼ 37.6%€24k▲ 1,002%
Net result€3k-€2k▼ 18.3%€418▼ 80.9%€20k▲ 4,750%
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 2024; 2024 is 1,002% above 2023 and is the highest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €33k
Fixed assets
€3k
Current assets
€30k
Equity and liabilities €33k
Equity
€18k▲ 141%
Debt
€15k▲ 182%
The debt ratio rises from 42.1% to 46.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€25k
Cash flow
€21k
Solvency
54.0%▼
2023 · 57.9%
Current ratio
2.02▼
2023 · 2.51
Quick ratio
2.02▼
2023 · 2.51
Debt / equity
0.85▲
2023 · 0.73
ROE
115.4%▲
2023 · 5.7%
ROA
62.3%▲
2023 · 3.3%
Interest coverage
118.34
Debt
€15k▲
2023 · €5k
Debt ≤ 1 year
€15k▲
2023 · €5k
Income taxes
€5k▲
2023 · €2k
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 · 2024 against 2023
Balance sheet
Code20232024
Assets
Total assets20/58€13k€33k▲
Fixed assets21/28-€3k
Tangible fixed assets22/27-€3k
Other tangible fixed assets26-€3k
Current assets29/58€13k€30k▲
Amounts receivable within one year40/41€9k€16k▲
Trade receivables40-€49
Other amounts receivable41€9k€16k▲
Cash at bank and in hand54/58€380€11k▲
Deferred charges and accrued income490/1€4k€3k▼
Equity and liabilities
Total equity and liabilities10/49€13k€33k▲
Equity10/15€7k€18k▲
Contributions10/11€2k€2k=
Profit (loss) carried forward14€5k€16k▲
Amounts payable17/49€5k€15k▲
Amounts payable within one year42/48€5k€15k▲
Trade debts44€2k-
Suppliers440/4€2k-
Taxes, remuneration and social security45€3k€5k▲
Taxes450/3€3k€5k▲
Other amounts payable47/48-€10k
Accrued charges and deferred income492/3€284€284=
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630-€643
Other operating charges640/8€576€1k▲
Non-recurring operating charges66A€1k-
Gross operating margin9900€4k€26k▲
Operating profit (loss)9901€2k€24k▲
Financial income75/76B€291€753▲
Recurring financial income75€291€753▲
Financial charges65/66B€63€212▲
Recurring financial charges65€63€212▲
Profit (loss) for the period before taxes9903€2k€25k▲
Income taxes67/77€2k€5k▲
Profit (loss) for the period9904€418€20k▲
Profit (loss) for the period to be appropriated9905€418€20k▲
Appropriation of the result
Profit (loss) to be appropriated9906€5k€26k▲
Profit (loss) brought forward from the previous period14P€5k€5k▲
Profit to be distributed694/7-€10k
Directors or managers695-€10k
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
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
31-12
Financial
Highest result since 2021net €20k ▲4750%
Operating result €24k, net result €20k, both a record.
19-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 50 days late
2023
31-12
Financial
Weakest financial yearnet €418 ▼80.9%
Net result drops to €418, the lowest in the series; recovery starts the following year.
01-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 32 days late
2022
30-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 91 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Anderlecht · 1 establishment unit since 2021
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.
Jean Notéstraat 361070 AnderlechtGround area
600 m²
Building footprint
598 m²
Volume, LiDAR
2,812 m³
Parcel 21308H0646/00S004, Brussels · tallest building 12.5 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
CINDY MATOS
since 20212.324.357.352
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21308H0646/00S004 | Brussels | 600 m² | 1 · 598 m² | 12.5 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.
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Of 12,690 companies in sector 86951 we hold annual accounts for 2,142. 1,799 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-11-2021
Fiscal year end31-12
Activities, NACEBEL
86905Human health activities
86951Physiotherapy
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.