CIVETTA
ActiveCIVETTA has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €36k and a net result of €14k. Equity is shrinking by ~18.1% per year across the filed fiscal years. Its solvency ranks better than 70% of 7687 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
100
/ 100
Excellent▲ +40 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+100
Solvency100▲+1
Growth32=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €4k at 30 days acceptable
Liquidity ample (current ratio 3.45 against 2.31 in 2024), and 28.5% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
71.5%
Return on assets
27.8%
Age of the figures
8 mo
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €36k
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 16-07-2026, 15 days ahead of the deadline.
NBB · 9 filingsDeviation from the deadline
2025
15 d early
2024
14 d early
2023
35 d early
2022
3 d early
2021
31 d late
2020
18 d late
2019
31 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€36k▲ 63.7%
2024 · €22k
2018: €77k
2019: €98k
2020: €107k
2021: €98k
2022: €58k
2023: €30k
2024: €22k
2018 → 2025
Total assets
€50k▲ 46.5%
2024 · €34k
2018: €79k
2019: €103k
2020: €116k
2021: €98k
2022: €59k
2023: €34k
2024: €34k
2018 → 2025
Net result
€14k
2024 · €-8k
2018: €31k
2019: €21k
2020: €8k
2021: €-8k
2022: €-41k
2023: €-28k
2024: €-8k
2018 → 2025
Working capital
€35k▲ 117%
2024 · €16k
2018: €77k
2019: €98k
2020: €107k
2021: €98k
2022: €58k
2023: €20k
2024: €16k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€98k-€58k▼ 41.3%€30k▼ 48.2%€22k▼ 26.9%€36k▲ 63.7%
Operating result€-8k-€-40k▼ 426%€-27k▲ 31.8%€-8k▲ 72.0%€14k
Net result€-8k-€-41k▼ 382%€-28k▲ 31.5%€-8k▲ 71.1%€14k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €14k after a loss of €8k in 2024, the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €50k
Fixed assets
€912▼ 84.3%
Current assets
€49k▲ 73.4%
Equity and liabilities €50k
Equity
€36k▲ 63.7%
Debt
€14k▲ 16.0%
The debt ratio falls from 36.0% to 28.5%: equity grows faster than debt.
Key figures and ratios
EBITDA
€19k▲
2024 · €-3k
Cash flow
€19k▲
2024 · €-3k
Solvency
71.5%▲
2024 · 64.0%
Current ratio
3.45▲
2024 · 2.31
Quick ratio
3.45▲
2024 · 2.31
Debt / equity
0.40▼
2024 · 0.56
ROE
38.9%▲
2024 · -36.8%
ROA
27.8%▲
2024 · -23.6%
Interest coverage
108.41▲
2024 · -27.16
Debt
€14k▲
2024 · €12k
Debt ≤ 1 year
€14k▲
2024 · €12k
Income taxes
€256▲
2024 · €248
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€34k€50k▲
Fixed assets21/28€6k€912▼
Tangible fixed assets22/27€6k€912▼
Furniture and vehicles24€6k€912▼
Current assets29/58€28k€49k▲
Amounts receivable within one year40/41€276€86▼
Other amounts receivable41€276€86▼
Current investments50/53€0-
Cash at bank and in hand54/58€23k€49k▲
Deferred charges and accrued income490/1€4k€0▼
Equity and liabilities
Total equity and liabilities10/49€34k€50k▲
Equity10/15€22k€36k▲
Contributions10/11€20k€20k=
Reserves13€2k€16k▲
Distributable reserves133€2k€16k▲
Amounts payable17/49€12k€14k▲
Amounts payable within one year42/48€12k€14k▲
Trade debts44€1k€678▼
Suppliers440/4€1k€678▼
Taxes, remuneration and social security45€963€2k▲
Taxes450/3€963€2k▲
Other amounts payable47/48€10k€11k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k▲
Other operating charges640/8€2k€1k▼
Gross operating margin9900€-538€21k▲
Operating profit (loss)9901€-8k€14k▲
Financial charges65/66B€108€177▲
Recurring financial charges65€108€177▲
Profit (loss) for the period before taxes9903€-8k€14k▲
Income taxes67/77€248€256▲
Profit (loss) for the period9904€-8k€14k▲
Profit (loss) for the period to be appropriated9905€-8k€14k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-8k€14k▲
Transfer from equity791/2€8k€0▼
Transfer to equity691/2-€14k
To other reserves6921-€14k
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
Next filing, fiscal year 2026, expected by
2026
16-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €14k
Net result €14k after 4 loss-making years.
17-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
26-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
28-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-41k
Net result drops to €-41k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
31-12
Financial
Liquidity times 33current ratio 389.16
Current ratio from 11.85 to 389.16; short-term debt falls from €10k to €253.
18-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 18 days late
2020
31-12
Financial
Equity above €100kEq €107k ▲8.5%
3 profitable years in a row build equity to €107k.
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
27-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 27 days late
2018
18-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 18 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Waasmunster · 1 establishment unit since 2017
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.
Lijsterstraat 139250 WaasmunsterGround area
1,750 m²
Building footprint
149 m²
Volume, LiDAR
718 m³
Parcel 42023B0813/00A000, Flanders · tallest building 7.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Lijsterstraat 13, 9250 Waasmunster
since 20172.260.656.957
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42023B0813/00A000 | Flanders | 1,750 m² | 1 · 149 m² | 7.6 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.
Recognitions · licences · registrations
Legal Entity Identifier
6994009LZIFLWHQNUO04
Similar companies · same sector, comparable size
MOHab Consulting
BE 0728.814.250
Zaventem · Eq €36k
AQUANTUM
BE 0841.549.036
Brugge · Eq €36k
Deniko
BE 0791.693.313
Aalst · Eq €36k
FACTORY NEST
BE 0759.755.963
Watermaal-Bosvoorde · Eq €36k
Hellinckx Consult
BE 0754.450.261
Buggenhout · Eq €36k
Of 24,423 companies in sector 82990 we hold annual accounts for 9,361. 6,531 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded10-01-2017
Fiscal year end31-12
Activities, NACEBEL
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 9 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.