Equity
€14,213 ▼ 19.2%
CINDY MATOS paid out €11,765 in dividends. That is 140% of the 2025 profit.
CINDY MATOS
Lifetime
5 annual accounts with figures on one time axisGross marginpeak €26,084 (2024)
€12,388▼ 52.5%
Resultpeak €20,292 (2024)
€8,387▼ 58.7%
Equitypeak €17,590 (2024)
€14,213▼ 19.2%
Debts
€21,167▲ 41.4%
Board2 names since 2021
1 directorSANTOS DE MATEOS Cindy
Documentsfilings and deeds
23-10-202684 days late
2025micro format
Gross margin from €26,084 to €12,388Result from €20,292 to €8,387Dividend €11,765Equity from €17,590 to €14,213Debts from €14,967 to €21,167Cash from €10,531 to €151
Key points
from the 2025 annual accountsFilings
5 annual accounts 84 days
Latest accounts filed late: after the legal deadline.
Position in the sector
€14,213
Less equity than 85% of companies in human health. Sector median €124,612 · 20,738 companies.
Checked score
80
Excellent
Financially stronger than 29% of micro companies in human health (NACE 86)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.4% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: < 0.1% across 24,179 companies (NACE 86, micro).
About 4 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: 0.2%
01-2025: 0.2%● unchanged vs 12-2024
02-2025: 0.2%● unchanged vs 01-2025
03-2025: 0.2%● unchanged vs 02-2025
04-2025: 0.2%● unchanged vs 03-2025
05-2025: 0.2%● unchanged vs 04-2025
06-2025: 0.2%● unchanged vs 05-2025
07-2025: 0.2%● unchanged vs 06-2025
08-2025: 0.4%▲ +0.2 percentage points vs 07-2025
09-2025: < 0.1%▼ -0.4 percentage points vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025
02-2026: < 0.1%● unchanged vs 01-2026lowest value
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: 0.1%▲ +0.1 percentage points vs 06-2026
08-2026: 0.1%● unchanged vs 07-2026
09-2026: 0.1%● unchanged vs 08-2026
10-2026: 0.4%▲ +0.3 percentage points vs 09-2026highest value
11-2026: 0.4%● unchanged vs 10-2026highest value
Financial strengthStrong
Score breakdown
raises risk
Last filed accounts filed 84 days late; 2 of the last 3 accounts late
Liquidity: current ratio 1.59, cash €151, halved
lowers risk
Sector: Human health activities (NACE 86)
Size: total assets €35,380
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 86, micro). It does better than 33% of them on solvency, 3% on liquidity, 59% on profitability and 22% on growth.
The bankruptcy probability was computed on 05-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 39,278 companies had the same profile as CINDY MATOS has now. Each dot stands for 99 companies, two years later.
95.8%
were still trading
2.3%
stopped another way
1.8%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of CINDY MATOS itself: 0.4% within 12 months.
Test of the method
The method was tested on the 497,446 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 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
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 39,278 companies, not a prediction for CINDY MATOS. 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.
Credit verdict
Credit of up to €1,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 1.59 (2.02 in 2024), above the usual 1.5. Short-term debt is 59.8% and cash 0.4% of total assets. However, 59.8% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises risk
raises risk · 2025 accounts filed 84 days late
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 23-10-2026, 84 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.
NBB · 5 filingsDeviation from the deadline
2025
84 days late
2024
27 days late
2023
50 days late
2022
32 days late
2021
91 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 5 accounts on average 57 days after the deadline. In the sector (NACE 86), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 20 September (4 of the last 5 accounts filed within 33 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
06-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
SD
SANTOS DE MATEOS Cindy
Director, since 07-11-2021
- SANTOS DE MATOS Cindy founderdeed of 19-11-2021
Recent changes
Incorporation
Founder: SANTOS DE MATOS Cindy · Founding capital of €2,000 · Appointment: SANTOS DE MATOS Cindy (sole director) · published on 19-11-2021 · Gazette deed
First establishment
Jean Notéstraat 36, Anderlecht
Comparable companies
same main activity, similar in size and age| Company | Total assets | Gross margin | Solvency | Staff |
|---|---|---|---|---|
| CINDY MATOS Anderlecht | €35,380 | €12,388 | 40.2% | - |
| KINE VAN DEN BERGH HANNAH Stabroek | €33,639 | €13,397 | 94.8% | - |
| CUISSET CHRIS Thuin | €32,547 | €11,212 | 70.2% | - |
| KINETEAM KESSEL-LO Leuven | €33,366 | €11,433 | 42.0% | - |
| KINE PIET Wellen | €40,155 | €13,510 | 30.8% | - |
| Floor Van den Broeck Vosselaar | €32,949 | €12,508 | 67.3% | - |
| KINERI Ghent | €37,101 | €13,801 | 80.6% | - |
These companies have the same main activity as CINDY MATOS: physiotherapy (NACE 86951). They are comparable in size and age: total assets between €32,500 and €40,200, founded between 2021 and 2022.
Official details
Source: KBO- Status
- Active since 17-11-2021Normal situation
- Activity
- PhysiotherapyNACE 86951
- Establishment unit
- 2.324.357.3521070 Anderlecht, since 17-11-2021
- Financial year end
- 31 December
- Peppol
- Not found in the Peppol Directory
Annual accounts 2025
- Turnover
- ≈ €75,000estimated
- Total assets
- €35,380▲ 8.7%
- Filing
- Filed on 23-10-2026
Insights on CINDY MATOS
CINDY MATOS files the micro format. That format states no turnover. The gross margin rose from €3,457 in 2021 to €12,388 in 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.
Key facts about CINDY MATOS
- What is the company number of CINDY MATOS?
- The company number of CINDY MATOS is 0777.405.015. The VAT number is the same number with BE in front: BE 0777.405.015.
- Where is CINDY MATOS based?
- The registered office is at Jean Notéstraat 36, 1070 Anderlecht.Company details
- What does CINDY MATOS do?
- According to the KBO register, the main activity is physiotherapy (NACE 86951).
- What is the legal form of CINDY MATOS?
- CINDY MATOS is a private limited company (BV).
- When was CINDY MATOS founded?
- CINDY MATOS was founded on 17-11-2021.
- Is CINDY MATOS still active?
- Yes, CINDY MATOS is an active enterprise in the KBO register.
- What is the turnover of CINDY MATOS?
- The turnover in financial year 2025 is ≈ €75,000. This figure is estimated from the gross margin of €12,388 and 41 comparable companies (NACE 869). It probably lies between €50,000 and €130,000. It is a rough estimate.Financials
- Is CINDY MATOS profitable?
- In financial year 2025, CINDY MATOS made a profit of €8,387.
- Where can I find the annual accounts of CINDY MATOS?
- CINDY MATOS filed 5 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of CINDY MATOS due?
- CINDY MATOS must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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