CK Trading & Services
ActiveThe computed 12-month bankruptcy probability of CK Trading & Services is 1.9% (moderate). The 2025 annual accounts show equity of €27k and a net result of €1k. Its solvency ranks better than 31% of 18120 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
50
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability39▼-6
Solvency37▼-1
Growth52
Track record82
Bankruptcy probability, 12 months
1.9%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity ample (current ratio 10.31 against 17.64 in 2024; short-term debt: 9.7% and cash: 8.7% of total assets), but 87.7% 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 · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
12.3%
Return on assets
0.5%
Age of the figures
9 mo
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 06-07-2026, 25 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
25 d early
2024
9 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€27k▲ 4.0%
2024 · €26k
2024: €26k
2024 → 2025
Total assets
€218k▲ 7.8%
2024 · €202k
2024: €202k
2024 → 2025
Net result
€1k▼ 82.0%
2024 · €6k
2024: €6k
2024 → 2025
Working capital
€197k▲ 3.2%
2024 · €191k
2024: €191k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€26k-€27k▲ 4.0%
Operating result€13k-€6k▼ 49.3%
Net result€6k-€1k▼ 82.0%
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 49% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Equity and liabilities €218k
Equity
€27k▲ 4.0%
Debt
€191k▲ 8.3%
The debt ratio rises from 87.3% to 87.7%. Equity and debt are higher.
Key figures and ratios
Solvency
12.3%▼
2024 · 12.7%
Current ratio
10.31▼
2024 · 17.64
Quick ratio
2.11▼
2024 · 5.77
Debt / equity
7.15▲
2024 · 6.87
ROE
3.8%▼
2024 · 22.2%
ROA
0.5%▼
2024 · 2.8%
Debt
€191k▲
2024 · €176k
Debt ≤ 1 year
€21k▲
2024 · €11k
Debt > 1 year
€160k=
2024 · €160k
Income taxes
€342▼
2024 · €2k
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€202k€218k▲
Current assets29/58€202k€218k▲
Stocks and contracts in progress3€136k€173k▲
Stocks30/36€136k€173k▲
Amounts receivable within one year40/41€17k€25k▲
Trade receivables40-€655
Other amounts receivable41€17k€25k▲
Cash at bank and in hand54/58€48k€19k▼
Deferred charges and accrued income490/1€912€377▼
Equity and liabilities
Total equity and liabilities10/49€202k€218k▲
Equity10/15€26k€27k▲
Contributions10/11€20k€20k=
Reserves13€6k€7k▲
Distributable reserves133€6k€7k▲
Amounts payable17/49€176k€191k▲
Amounts payable after more than one year17€160k€160k=
Financial debts170/4€160k€160k=
Amounts payable within one year42/48€11k€21k▲
Trade debts44€560€891▲
Suppliers440/4€560€891▲
Taxes, remuneration and social security45€2k€2k▲
Taxes450/3€2k€2k▲
Other amounts payable47/48€9k€18k▲
Accrued charges and deferred income492/3€5k€10k▲
Income statement
Code20242025
Other operating charges640/8€387€462▲
Gross operating margin9900€13k€7k▼
Operating profit (loss)9901€13k€6k▼
Financial income75/76B€0€0▼
Recurring financial income75€0€0▼
Financial charges65/66B€5k€5k▲
Recurring financial charges65€5k€5k▲
Profit (loss) for the period before taxes9903€8k€1k▼
Income taxes67/77€2k€342▼
Profit (loss) for the period9904€6k€1k▼
Profit (loss) for the period to be appropriated9905€6k€1k▼
Appropriation of the result
Profit (loss) to be appropriated9906€6k€1k▼
Transfer to equity691/2€6k€1k▼
To other reserves6921€6k€1k▼
The notes to these accounts (2 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
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
22-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
Directors · office · real estate
Directors
2 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, Nieuwerkerken (Limb.) · 1 establishment unit since 2024
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.
Diestersteenweg 693850 Nieuwerkerken (Limb.)Ground area
2,752 m²
Building footprint
175 m²
Volume, LiDAR
1,022 m³
Parcel 71045C0318/00B000, Flanders · tallest building 8.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CK Trading & Services
since 20242.354.641.742
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71045C0318/00B000 | Flanders | 2,752 m² | 1 · 174 m² | 8.4 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.
Similar companies · same sector, comparable size
Automotive Audits Events Commerce
BE 0878.950.553
Rumst · Eq €27k
BEZOH
BE 0820.314.548
Les Bons Villers · Eq €27k
Sint-Truiden Classic Cars
BE 0546.626.771
Nieuwerkerken (Limb.) · Eq €27k
DR AUTO
BE 0797.408.591
Schaarbeek · Eq €27k
M. SMETS FORMATIONS & SERVICES
BE 0773.715.748
Welkenraedt · Eq €27k
Of 10,677 companies in sector 47811 we hold annual accounts for 5,222. 2,894 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-01-2024
Fiscal year end31-12
Activities, NACEBEL
47811Retail sale of cars and light vans (up to 3.5 tonnes)
45112
46180Agents specialised in the wholesale of other particular products
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.