CK BOGAERT
ActiveCK BOGAERT has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €340k and a net result of €11k. Equity remains stable across the filed fiscal years (±2.4% per year). Its solvency ranks better than 83% of 27386 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
91
/ 100
Excellent▲ +39 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability17▲+17
Solvency100=
Growth32=
Stability100
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €30k at 30 days acceptable
Liquidity ample (current ratio 2.27 against 4.13 in 2024), and 21.5% 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+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
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
78.5%
Return on assets
2.6%
Age of the figures
8 mo
neutral · A punctual record breaks
This company filed 7 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 04-08-2026, 4 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filingsDeviation from the deadline
2025
4 d late
2024
on the day
2023
31 d early
2022
31 d early
2021
38 d early
2020
31 d early
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
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€340k▼ 25.0%
2024 · €453k
2018: €492k
2019: €549k
2020: €498k
2021: €490k
2022: €541k
2023: €515k
2024: €453k
2018 → 2025
Total assets
€433k▼ 15.6%
2024 · €514k
2018: €571k
2019: €559k
2020: €602k
2021: €581k
2022: €561k
2023: €542k
2024: €514k
2018 → 2025
Net result
€11k
2024 · €-41k
2018: €86k
2019: €58k
2020: €38k
2021: €56k
2022: €51k
2023: €17k
2024: €-41k
2018 → 2025
Working capital
€110k▼ 41.7%
2024 · €189k
2018: €362k
2019: €443k
2020: €233k
2021: €236k
2022: €201k
2023: €213k
2024: €189k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€490k-€541k▲ 10.3%€515k▼ 4.7%€453k▼ 12.1%€340k▼ 25.0%
Operating result€74k-€68k▼ 9.2%€21k▼ 68.4%€-42k€10k
Net result€56k-€51k▼ 8.0%€17k▼ 66.9%€-41k€11k
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: €10k after a loss of €42k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €433k
Fixed assets
€237k▼ 10.6%
Current assets
€197k▼ 20.9%
Equity and liabilities €433k
Equity
€340k▼ 25.0%
Debt
€93k▲ 54.4%
The debt ratio rises from 11.8% to 21.5%: debt grows while equity shrinks.
Key figures and ratios
EBITDA
€52k▲
2024 · €-1k
Cash flow
€53k▲
2024 · €709
Solvency
78.5%▼
2024 · 88.2%
Current ratio
2.27▼
2024 · 4.13
Quick ratio
2.05▼
2024 · 3.51
Debt / equity
0.27▲
2024 · 0.13
ROE
3.4%▲
2024 · -9.0%
ROA
2.6%▲
2024 · -7.9%
Interest coverage
154.31▲
2024 · -4.94
Debt
€93k▲
2024 · €60k
Debt ≤ 1 year
€87k▲
2024 · €60k
Income taxes
€1k▲
2024 · €260
Staff costs
€122k▲
2024 · €98k
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€514k€433k▼
Fixed assets21/28€265k€237k▼
Tangible fixed assets22/27€265k€237k▼
Land and buildings22€193k€182k▼
Plant, machinery and equipment23€15k€11k▼
Furniture and vehicles24€54k€42k▼
Other tangible fixed assets26€3k€3k▼
Current assets29/58€249k€197k▼
Stocks and contracts in progress3€38k€19k▼
Stocks30/36€38k€19k▼
Amounts receivable within one year40/41€118k€31k▼
Trade receivables40€98k€20k▼
Other amounts receivable41€20k€11k▼
Cash at bank and in hand54/58€80k€136k▲
Deferred charges and accrued income490/1€13k€12k▼
Equity and liabilities
Total equity and liabilities10/49€514k€433k▼
Equity10/15€453k€340k▼
Contributions10/11€6k€6k=
Reserves13€289k€176k▼
Distributable reserves133€289k€176k▼
Profit (loss) carried forward14€158k€158k=
Amounts payable17/49€60k€93k▲
Amounts payable within one year42/48€60k€87k▲
Trade debts44€58k€11k▼
Suppliers440/4€58k€11k▼
Taxes, remuneration and social security45€2k€27▼
Taxes450/3€439€27▼
Remuneration and social security454/9€1k-
Other amounts payable47/48€281€76k▲
Accrued charges and deferred income492/3€172€6k▲
Income statement
Code20242025
Remuneration, social security and pensions62€98k€122k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€41k€42k▲
Other operating charges640/8€3k€2k▼
Non-recurring operating charges66A€113€10k▲
Gross operating margin9900€100k€185k▲
Operating profit (loss)9901€-42k€10k▲
Financial income75/76B€2k€3k▲
Recurring financial income75€2k€3k▲
Non-recurring financial income76B€713-
Financial charges65/66B€221€336▲
Recurring financial charges65€221€336▲
Profit (loss) for the period before taxes9903€-40k€13k▲
Income taxes67/77€260€1k▲
Profit (loss) for the period9904€-41k€11k▲
Profit (loss) for the period to be appropriated9905€-41k€11k▲
Appropriation of the result
Profit (loss) to be appropriated9906€158k€170k▲
Profit (loss) brought forward from the previous period14P€199k€158k▼
Transfer from equity791/2€22k€125k▲
Transfer to equity691/2-€11k
To other reserves6921-€11k
Profit to be distributed694/7€22k€125k▲
Return on contributions (dividend)694€22k€125k▲
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
04-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 4 days late
2025
31-12
Financial
Back to profitnet €11k
Net result €11k after one loss-making year.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Weakest financial yearnet €-41k ▼339%
Net result drops to €-41k, the lowest in the series; recovery starts the following year.
30-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
30-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Liquidity triplescurrent ratio 12.25
Current ratio from 3.62 to 12.25; short-term debt falls from €90k to €18k.
31-12
Financial
Equity above €500kEq €541k ▲10.3%
5 profitable years in a row build equity to €541k.
23-06
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity times 11current ratio 64.84
Current ratio from 5.67 to 64.84; short-term debt falls from €77k to €7k.
31-12
Financial
Equity above €500kEq €549k ▲11.7%
2 profitable years in a row build equity to €549k.
29-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
21-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 21 days late
2017
29-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Nazareth-De Pinte · 1 establishment unit since 2006
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.
Steenweg 1799810 Nazareth-De PinteGround area
663 m²
Building footprint
359 m²
Volume, LiDAR
1,821 m³
Parcel 44018B0358/00K000, Flanders · tallest building 11.1 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
C&K Bogaert
since 20062.157.872.886
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44018B0358/00K000 | Flanders | 663 m² | 1 · 359 m² | 11.1 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.
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Of 19,948 companies in sector 43320 we hold annual accounts for 9,084. 6,654 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded15-11-2006
Fiscal year end31-12
Activities, NACEBEL
43320Joinery installation
45421
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.