''CITY-DEPANNAGE''
ActiveSummary
The computed 12-month bankruptcy probability of ''CITY-DEPANNAGE'' is 2.4% (moderate). The 2025 annual accounts show equity of €77k and a net result of €-12k. Equity is growing by ~4% per year across the filed fiscal years. Its solvency ranks better than 33% of 7777 sector peers (fiscal year 2025). The company has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
42
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability32▼-4
Solvency55▼-14
Growth52=
Track record100
Bankruptcy probability, 12 months
2.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days only on tighter terms
Liquidity ample (current ratio 1.57 against 1.76 in 2024; short-term debt: 53.6% and cash: 0% of total assets), but 69.8% 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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 43
Relative position
BE, all sectors
reference
Sector 43
higher
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
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 2025Solvency, return and age of the figures
Solvency
30.2%
Return on assets
-4.6%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 27-08-2026, 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 · 10 filingsDeviation from the deadline
2025
27 d late
2024
29 d late
2023
30 d late
2022
31 d late
2021
23 d late
2020
31 d late
2019
31 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€77k▼ 13.1%
2024 · €88k
2018: €6k
2019: €74k
2020: €75k
2021: €87k
2022: €96k
2023: €87k
2024: €88k
2018 → 2025
Total assets
€255k▲ 25.8%
2024 · €202k
2018: €6k
2019: €192k
2020: €197k
2021: €168k
2022: €191k
2023: €182k
2024: €202k
2018 → 2025
Net result
€-12k
2024 · €1k
2019: €15k
2020: €1k
2021: €12k
2022: €9k
2023: €-9k
2024: €1k
2019 → 2025
Working capital
€77k▼ 11.2%
2024 · €87k
2019: €73k
2020: €73k
2021: €84k
2022: €94k
2023: €86k
2024: €87k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€87k-€96k▲ 10.0%€87k▼ 9.2%€88k▲ 1.3%€77k▼ 13.1%
Operating result€20k-€14k▼ 30.3%€-6k€3k€-10k
Net result€12k-€9k▼ 27.8%€-9k€1k€-12k
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €10k after €3k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €255k
Fixed assets
€41k ▲ 2,965%
Current assets
€214k ▲ 6.3%
Equity and liabilities €255k
Equity
€77k ▼ 13.1%
Debt
€178k ▲ 55.9%
Debt's share of the balance-sheet total rises from 56.3% to 69.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€4k▲
2024 · €3k
Cash flow
€2k▲
2024 · €2k
Current ratio
1.57▼
2024 · 1.76
Quick ratio
1.07▼
2024 · 1.16
Debt to equity
2.31▲
2024 · 1.29
ROE
-15.1%▼
2024 · 1.3%
ROA
-4.6%▼
2024 · 0.6%
Interest coverage
2.27▲
2024 · 1.99
Debt ≤ 1 year
€136k▲
2024 · €114k
Debt > 1 year
€41k
Income taxes
€75▲
2024 · €5
Staff costs
€106k▲
2024 · €63k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2025 against 2024 · 51 lines
Balance sheet
Code20242025
Assets
Total assets20/58€202k€255k▲
Fixed assets21/28€1k€41k▲
Tangible fixed assets22/27€415€40k▲
Plant, machinery and equipment23€415€2k▲
Furniture and vehicles24-€38k
Financial fixed assets28€915€915=
Current assets29/58€201k€214k▲
Stocks and contracts in progress3€68k€68k=
Stocks30/36€68k€68k=
Amounts receivable within one year40/41€120k€145k▲
Trade receivables40€110k€141k▲
Other amounts receivable41€10k€4k▼
Cash at bank and in hand54/58€12k€108▼
Deferred charges and accrued income490/1€598€204▼
Equity and liabilities
Total equity and liabilities10/49€202k€255k▲
Equity10/15€88k€77k▼
Contributions10/11€19k€19k=
Capital10€19k€19k=
Issued capital100€19k€19k=
Reserves13€22k€22k=
Non-distributable reserves130/1€2k€2k=
Legal reserve130€2k€2k=
Tax-exempt reserves132€20k€20k=
Profit (loss) carried forward14€48k€36k▼
Amounts payable17/49€114k€178k▲
Amounts payable after more than one year17-€41k
Financial debts170/4-€41k
Amounts payable within one year42/48€114k€136k▲
Current portion of amounts payable after more than one year42-€12k
Trade debts44€54k€50k▼
Suppliers440/4€54k€50k▼
Taxes, remuneration and social security45€26k€24k▼
Taxes450/3€2k€3k▲
Remuneration and social security454/9€24k€21k▼
Other amounts payable47/48€34k€51k▲
Income statement
Code20242025
Remuneration, social security and pensions62€63k€106k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€413€14k▲
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€16k€13k▼
Other operating charges640/8€1k€4k▲
Gross operating margin9900€83k€127k▲
Operating profit (loss)9901€3k€-10k▼
Financial income75/76B€17€54▲
Recurring financial income75€17€54▲
Financial charges65/66B€2k€2k▲
Recurring financial charges65€2k€2k▲
Profit (loss) for the period before taxes9903€1k€-12k▼
Income taxes67/77€5€75▲
Profit (loss) for the period9904€1k€-12k▼
Profit (loss) for the period to be appropriated9905€1k€-12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€48k€36k▼
Profit (loss) brought forward from the previous period14P€47k€48k▲
The notes to these accounts (7 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
27-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 27 days late
2025
31-12
Financial
Weakest financial yearnet €-12k ▼1091%
Net result drops to €-12k, the lowest in the series.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Back to profitnet €1k
Net result €1k after one loss-making year.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 23 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 31 days late
2019
30-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 30 days late
2018
16-10
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 77 days late
23-01
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 176 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 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, Brussel · 2 establishment units since 2011
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.
Stephensonstraat 41000 BrusselGround area
8,565 m²
Building footprint
479 m²
Volume, LiDAR
3,706 m³
3 parcels, Brussels, Flanders · tallest building 17.7 m, ±5 floors. Linked by address, not a title deed.
2 establishment units
Gillekensstraat 1, 1800 Vilvoorde
since 20112.203.041.828
.
since 20172.265.359.378
3 parcels
Flanders
1
(33.3%)
Brussels
2
(66.7%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23644H0283/00F002 | Flanders | 8,246 m² | 1 · 219 m² | 1.9 m |
| 21813E0092/00L003 | Brussels | 176 m² | 1 · 131 m² | 14.2 m · 4 fl. |
| 21012A0047/00K011 | Brussels | 143 m² | 1 · 128 m² | 17.7 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 2
3 of 3 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Similar companies · same sector, comparable size
COMFORT AIR
BE 0729.919.357
Aalter · Eq €76,900
de A à Zinc
BE 0806.326.653
Waterloo · Eq €77,043
SAMPLOMBIER
BE 0747.761.518
Steenokkerzeel · Eq €77,048
CLAUDE SAPART and Co
BE 0449.619.249
Wezembeek-Oppem · Eq €76,687
VESACO
BE 1026.517.445
Peer · Eq €76,568
Of 7,041 companies in sector 43221 we hold annual accounts for 3,471. 3,051 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded11-05-2011
Fiscal year end31-12
Activities, NACEBEL 2025
43221Plumbing work
43350Other building finishing work
Sources
Crossroads Bank for EnterprisesNational Bank · 14 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.