CK SERVICE
ActiveSummary
CK SERVICE has been active since 2012 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €75k and a net result of €8k. Equity is growing by ~9.5% per year across the filed fiscal years. Its solvency ranks better than 40% of 27786 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.0% (low).
Checked score
Score 2025
67
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability67▼-28
Solvency63▲+4
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
1.0%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 2.55 against 3.07 in 2024; short-term debt: 37.4% and cash: 25.7% of total assets), but 62% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Three 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
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 31-10-2025, 0 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
on the day
2024
13 d late
2023
15 d late
2022
24 d late
2020
30 d late
2019
20 d late
2018
14 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 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close24-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, micro schema
Equity
€75k▲ 12.1%
2024 · €67k
2019: €50k
2020: €36k
2022: €24k
2023: €26k
2024: €67k
2019 → 2025
Total assets
€197k▼ 0.5%
2024 · €198k
2019: €99k
2020: €219k
2022: €244k
2023: €233k
2024: €198k
2019 → 2025
Net result
€8k▼ 80.3%
2024 · €41k
2019: €28k
2020: €-14k
2022: €-133
2023: €2k
2024: €41k
2019 → 2025
Working capital
€114k▼ 2.4%
2024 · €117k
2019: €37k
2020: €91k
2022: €75k
2023: €74k
2024: €117k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202022202320242025Trend
Equity€36k-€24k▼ 34.7%€26k▲ 8.6%€67k▲ 161%€75k▲ 12.1%
Operating result€-12k-€5k€5k▼ 11.1%€51k▲ 940%€10k▼ 79.7%
Net result€-14k-€-133▲ 99.1%€2k€41k▲ 1,934%€8k▼ 80.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 80% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €197k
Fixed assets
€9k ▼ 62.9%
Current assets
€188k ▲ 8.2%
Equity and liabilities €197k
Equity
€75k ▲ 12.1%
Debt
€122k ▼ 6.9%
Debt's share of the balance-sheet total falls from 66.3% to 62.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€20k▼
2024 · €68k
Cash flow
€18k▼
2024 · €59k
Current ratio
2.55▼
2024 · 3.07
Quick ratio
2.14▼
2024 · 2.49
Debt to equity
1.63▼
2024 · 1.96
ROE
10.8%▼
2024 · 61.7%
ROA
4.1%▼
2024 · 20.8%
Interest coverage
5.19▼
2024 · 11.12
Debt ≤ 1 year
€74k▲
2024 · €57k
Debt > 1 year
€48k▼
2024 · €74k
Income taxes
€4k▼
2024 · €6k
Staff costs
€2k▲
2024 · €-27
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 · 54 lines
Balance sheet
Code20242025
Assets
Total assets20/58€198k€197k▼
Fixed assets21/28€24k€9k▼
Intangible fixed assets21€3k€2k▼
Tangible fixed assets22/27€21k€7k▼
Land and buildings22€3k€2k▼
Plant, machinery and equipment23€2k€895▼
Furniture and vehicles24€16k€4k▼
Current assets29/58€174k€188k▲
Stocks and contracts in progress3€33k€30k▼
Stocks30/36€33k€30k▼
Amounts receivable within one year40/41€49k€103k▲
Trade receivables40€30k€73k▲
Other amounts receivable41€18k€31k▲
Cash at bank and in hand54/58€86k€51k▼
Deferred charges and accrued income490/1€6k€4k▼
Equity and liabilities
Total equity and liabilities10/49€198k€197k▼
Equity10/15€67k€75k▲
Contributions10/11€19k€19k=
Reserves13€48k€56k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€46k€54k▲
Amounts payable17/49€131k€122k▼
Amounts payable after more than one year17€74k€48k▼
Financial debts170/4€74k€48k▼
Amounts payable within one year42/48€57k€74k▲
Current portion of amounts payable after more than one year42€9k€4k▼
Financial debts43€7k€4k▼
Credit institutions430/8€7k€4k▼
Trade debts44€32k€65k▲
Suppliers440/4€32k€65k▲
Taxes, remuneration and social security45-€999
Remuneration and social security454/9-€999
Other amounts payable47/48€9k€0▼
Income statement
Code20242025
Non-recurring operating income76A€15k€3k▼
Remuneration, social security and pensions62€-27€2k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€18k€10k▼
Other operating charges640/8€3k€1k▼
Non-recurring operating charges66A-€4k
Gross operating margin9900€71k€28k▼
Operating profit (loss)9901€51k€10k▼
Financial income75/76B€3k€6k▲
Recurring financial income75€3k€6k▲
Financial charges65/66B€7k€4k▼
Recurring financial charges65€6k€4k▼
Non-recurring financial charges66B€744-
Profit (loss) for the period before taxes9903€47k€12k▼
Income taxes67/77€6k€4k▼
Profit (loss) for the period9904€41k€8k▼
Profit (loss) for the period to be appropriated9905€41k€8k▼
Appropriation of the result
Profit (loss) to be appropriated9906€17k€8k▼
Profit (loss) brought forward from the previous period14P€-25k€0▲
Transfer to equity691/2€17k€8k▼
To other reserves6921€17k€8k▼
The notes to these accounts (13 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
2025
31-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
13-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 13 days late
31-03
Financial
Highest result since 2019net €41k ▲1934%
Operating result €51k, net result €41k, both a record.
2023
15-11
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 15 days late
31-03
Financial
Back to profitnet €2k
Net result €2k after 2 loss-making years.
2022
24-11
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 24 days late
2020
30-11
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 30 days late
31-03
Financial
Weakest financial yearnet €-14k ▼150%
Net result drops to €-14k, the lowest in the series; recovery starts the following year.
2019
20-11
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 20 days late
2018
14-11
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 14 days late
2017
17-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
13-10
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
2015
08-10
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 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, Geel · 1 establishment unit since 2012
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.
Zammelseweg 922440 GeelGround area
934 m²
Building footprint
245 m²
Volume, LiDAR
1,213 m³
Parcel 13375N0426/00N002, Flanders · tallest building 9.1 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
CK Service
since 20122.210.783.022
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13375N0426/00N002 | Flanders | 934 m² | 1 · 245 m² | 9.1 m · 1 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.
Public money · subsidies and aid
Flemish government
2023 · 1 entry · 555 EUR awarded · 555 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2023 | 1 | 555 EUR | 555 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 7,041 companies in sector 43221 we hold annual accounts for 3,471. 3,056 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
Founded07-05-2012
Fiscal year end31-03
Activities, NACEBEL 2025
43221Plumbing work
43320Joinery installation
43331Floor and wall tiling
47523Retail trade
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.