Equity
CITYTOOLS has made a profit without a break since 2015.
CITYTOOLS has made a profit without a break since 2015.
Of this, €231,622 falls due within a year.
Green is investment, beige is depreciation. Land and buildings stand 47.8% higher than in 2024.
Customers pay 23 days earlier.
Short-term debts fell from €313,804 to €231,622.
The dashed line is the sector median: 0.1% across 48,551 companies (NACE 70, micro).
About 9 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
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 70, micro). It does better than 15% of them on solvency, 23% on liquidity, 24% on profitability and 50% 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 30-06-2025.
Of the companies with a bankruptcy probability in the low class on 30-06-2025, 0.8% 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).
In July 2024, 1,448 companies had the same profile as CITYTOOLS has now. Each dot stands for 4 companies, two years later.
Another 0.3% stopped without a precise date, possibly only after those two years.
That fits the bankruptcy probability of CITYTOOLS itself: 0.9% within 12 months.
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 1,448 companies, not a prediction for CITYTOOLS. 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.
Liquidity is insufficient, with a current ratio of 0.34 (0.87 in 2024), below 1. Short-term debt is 24% and cash 1.6% of total assets. 92.5% of the assets are financed with debt and provisions.
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.
The company filed its last 7 accounts on average 38 days after the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
| Company | Total assets | Gross margin | Solvency | Staff |
|---|---|---|---|---|
| CITYTOOLS Molenbeek-Saint-Jean | €1.0m | €116,300 | 7.5% | - |
| Realpartners Group Uccle | €1.0m | €129,543 | 53.3% | - |
| NIVINNOVATION Uccle | €0.9m | €117,182 | 77.8% | - |
| CARON CONSULTING Woluwe-Saint-Lambert | €1.0m | €105,878 | 90.1% | 0 |
| EP MANAGEMENT Woluwe-Saint-Lambert | €1.0m | €130,547 | 81.3% | - |
| Leading Worlds Anderlecht | €0.8m | €118,628 | 95.0% | - |
| VS & C° Auderghem | €1.2m | €122,048 | 26.6% | - |
These companies have the same main activity as CITYTOOLS: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €818,000 and €1.2m, founded between 2005 and 2008.
CITYTOOLS files the micro format. That format states no turnover. The gross margin rose from -€14,412 in 2008 to €116,300 in 2025.
The balance sheet grew most from 2022 to 2024 through fixed assets.
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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