CISTEO
ActiveCISTEO is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €702k and a net result of €401k. Equity is growing by ~45.4% per year across the filed fiscal years. Its solvency ranks better than 50% of 5495 sector peers (fiscal year 2025). The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
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 06-07-2026, 25 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
25 d early
2024
61 d late
2023
155 d early
2022
12 d early
2021
4 d early
2020
12 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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€702k▲ 34.5%
2024 · €522k
2020: €108k
2021: €136k
2022: €316k
2023: €51k
2024: €522k
2020 → 2025
Net result
€401k▼ 4.7%
2024 · €421k
2020: €100k
2021: €28k
2022: €180k
2023: €284k
2024: €421k
2020 → 2025
Total assets
€1.35M▼ 7.2%
2024 · €1.46M
2020: €313k
2021: €268k
2022: €497k
2023: €1.16M
2024: €1.46M
2020 → 2025
Solvency
51.8%▲ 16.1pp
2024 · 35.8%
2020: 34.5%
2021: 50.7%
2022: 63.6%
2023: 4.4%
2024: 35.8%
2020 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€136k-€316k▲ 133%€51k▼ 83.9%€522k▲ 925%€702k▲ 34.5%
Operating result€35k-€236k▲ 573%€366k▲ 55.0%€583k▲ 59.2%€522k▼ 10.5%
Net result€28k-€180k▲ 548%€284k▲ 57.7%€421k▲ 47.9%€401k▼ 4.7%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 10% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.35M
Fixed assets
€755k▼ 4.1%
Current assets
€599k▼ 10.8%
Equity and liabilities €1.35M
Equity
€702k▲ 34.5%
Debt
€652k▼ 30.4%
The debt ratio falls from 64.2% to 48.2%: equity grows while debt is paid down.
Key figures and ratios
Solvency
51.8%▲
2024 · 35.8%
ROE
57.2%▼
2024 · 80.7%
ROA
29.6%▲
2024 · 28.8%
Debt
€652k▼
2024 · €937k
Debt ≤ 1 year
€186k▼
2024 · €401k
Debt > 1 year
€462k▼
2024 · €519k
Income taxes
€133k▼
2024 · €138k
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€1.46M€1.35M▼
Fixed assets21/28€787k€755k▼
Tangible fixed assets22/27€787k€755k▼
Land and buildings22€657k€652k▼
Furniture and vehicles24€53€0▼
Leasing and similar rights25€111k€87k▼
Other tangible fixed assets26€19k€16k▼
Current assets29/58€672k€599k▼
Amounts receivable within one year40/41€336k€227k▼
Trade receivables40€275k€206k▼
Other amounts receivable41€61k€21k▼
Current investments50/53€201k€247k▲
Cash at bank and in hand54/58€111k€116k▲
Deferred charges and accrued income490/1€24k€9k▼
Equity and liabilities
Total equity and liabilities10/49€1.46M€1.35M▼
Equity10/15€522k€702k▲
Contributions10/11€65k€65k=
Reserves13€236k€637k▲
Tax-exempt reserves132€236k€320k▲
Distributable reserves133-€317k
Profit (loss) carried forward14€221k€0▼
Amounts payable17/49€937k€652k▼
Amounts payable after more than one year17€519k€462k▼
Financial debts170/4€519k€462k▼
Amounts payable within one year42/48€401k€186k▼
Current portion of amounts payable after more than one year42€57k€60k▲
Trade debts44€21k€8k▼
Suppliers440/4€21k€8k▼
Taxes, remuneration and social security45€98k€105k▲
Taxes450/3€96k€103k▲
Remuneration and social security454/9€3k€3k▲
Other amounts payable47/48€225k€13k▼
Accrued charges and deferred income492/3€17k€4k▼
Income statement
Code20242025
Remuneration, social security and pensions62€0-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€57k€42k▼
Other operating charges640/8€4k€6k▲
Gross operating margin9900€645k€570k▼
Operating profit (loss)9901€583k€522k▼
Financial income75/76B€5k€35k▲
Recurring financial income75€5k€35k▲
Financial charges65/66B€29k€24k▼
Recurring financial charges65€29k€24k▼
Profit (loss) for the period before taxes9903€559k€534k▼
Income taxes67/77€138k€133k▼
Profit (loss) for the period9904€421k€401k▼
Transfer to tax-exempt reserves689€236k€84k▼
Profit (loss) for the period to be appropriated9905€185k€317k▲
Appropriation of the result
Profit (loss) to be appropriated9906€221k€541k▲
Profit (loss) brought forward from the previous period14P€36k€224k▲
Transfer to equity691/2-€317k
To other reserves6921-€317k
Profit to be distributed694/7€0€224k▲
Return on contributions (dividend)694€0€224k▲
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (16 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
18-08
State Gazette act
General meeting · Director resignation
Director appointment · Permanent representative
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
30-09
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 61 days late
2024
31-12
Financial
Highest result since 2020net €421k ▲47.9%
Operating result €583k, net result €421k, both a record.
31-12
Financial
Equity above €500kEq €522k ▲925%
5 profitable years in a row build equity to €522k.
27-02
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
19-07
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
31-12
Financial
Equity above €200kEq €316k ▲133%
3 profitable years in a row build equity to €316k.
27-07
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
31-12
Financial
Weakest financial yearnet €28k ▼72%
Net result drops to €28k, the lowest in the series; recovery starts the following year.
19-07
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated 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, Gent · 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.
Drieleienstraat 419031 GentGround area
1,537 m²
Building footprint
179 m²
Volume, LiDAR
956 m³
Parcel 44002B0041/00G006, Flanders · tallest building 18.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CISTEO
since 20202.298.023.238
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44002B0041/00G006 | Flanders | 1,537 m² | 1 · 179 m² | 18.8 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.
Structure & network
Ownership & control
1 partyCISTEOBE 0741.539.066
controls
Where this company holds controlthis company sits on their board1
3 locations
Public money · subsidies and aid
Flemish government
2022 · 1 entry · 375 EUR awarded · 375 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2022 | 1 | 375 EUR | 375 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 24,640 companies in sector 64210 we hold annual accounts for 19,693. 13,288 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded14-01-2020
Fiscal year end31-12
Activities, NACEBEL
64200Holdings
64210Activities of holding companies
68201Renting and operating of own or leased residential real estate, excluding social housing
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 6 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.