CKLC
ActiveThe computed 12-month bankruptcy probability of CKLC is 5.8% (elevated). The annual accounts of CKLC for fiscal year 2025 show a net loss of 64% of total assets and of 93% of the equity at the start of that year. The 2025 annual accounts show equity of €580 and a net result of €-7k. Equity is shrinking by ~49.1% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 29% of 13270 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
28
/ 100
Weak
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-45
Solvency30▼-23
Growth58=
Track record94
Bankruptcy probability, 12 months
5.8%
Elevated
0%0.5%1.5%4%10%≥ 25%
No publishable credit limit; credit only on tighter terms
Net loss of at least half of total assets or of the equity at the start of the financial year.
Liquidity short (current ratio 0.4 against 1.11 in 2024; short-term debt: 79.2% and cash: 29.3% of total assets), and 94.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
+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 56
Relative position
BE, all sectors
reference
Sector 56
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
5.1%
Return on assets
-64.5%
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 28-07-2026, 3 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
3 d early
2024
26 d late
2023
30 d late
2022
30 d late
← 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€580▼ 92.7%
2024 · €8k
2022: €13k
2023: €7k
2024: €8k
2022 → 2025
Total assets
€11k▼ 60.1%
2024 · €29k
2022: €35k
2023: €21k
2024: €29k
2022 → 2025
Net result
€-7k
2024 · €618
2022: €-12k
2023: €-6k
2024: €618
2022 → 2025
Working capital
€-5k
2024 · €2k
2022: €9k
2023: €3k
2024: €2k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€13k-€7k▼ 43.4%€8k▲ 8.4%€580▼ 92.7%
Operating result€-12k-€-3k▲ 77.0%€3k€-5k
Net result€-12k-€-6k▲ 53.0%€618€-7k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €5k after €3k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €11k
Fixed assets
€8k▼ 33.7%
Current assets
€4k▼ 78.4%
Equity and liabilities €11k
Equity
€580▼ 92.7%
Debt
€11k▼ 47.6%
The debt ratio rises from 72.3% to 94.9%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-709▼
2024 · €7k
Cash flow
€-3k▼
2024 · €5k
Solvency
5.1%▼
2024 · 27.7%
Current ratio
0.40▼
2024 · 1.11
Quick ratio
0.40▼
2024 · 1.11
ROA
-64.5%▼
2024 · 2.1%
Interest coverage
-0.29▼
2024 · 2.81
Debt
€11k▼
2024 · €21k
Debt ≤ 1 year
€9k▼
2024 · €15k
Debt > 1 year
€2k▼
2024 · €5k
Income taxes
€401▼
2024 · €480
Equity ratios withheld: equity of €580 is too small for a meaningful ratio.
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€29k€11k▼
Fixed assets21/28€12k€8k▼
Tangible fixed assets22/27€12k€8k▼
Plant, machinery and equipment23€8k€6k▼
Furniture and vehicles24€4k€2k▼
Current assets29/58€17k€4k▼
Amounts receivable within one year40/41€8k€201▼
Trade receivables40€8k€188▼
Other amounts receivable41€13€13=
Cash at bank and in hand54/58€8k€3k▼
Deferred charges and accrued income490/1€317€100▼
Equity and liabilities
Total equity and liabilities10/49€29k€11k▼
Equity10/15€8k€580▼
Contributions10/11€25k€25k=
Profit (loss) carried forward14€-17k€-24k▼
Amounts payable17/49€21k€11k▼
Amounts payable after more than one year17€5k€2k▼
Financial debts170/4€5k€2k▼
Amounts payable within one year42/48€15k€9k▼
Current portion of amounts payable after more than one year42€3k€3k▲
Trade debts44€9k€3k▼
Suppliers440/4€9k€3k▼
Taxes, remuneration and social security45€2k€2k▲
Taxes450/3€2k€2k▲
Other amounts payable47/48€1k€692▼
Accrued charges and deferred income492/3€307€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€4k▼
Other operating charges640/8€2k€1k▼
Gross operating margin9900€9k€405▼
Operating profit (loss)9901€3k€-5k▼
Financial income75/76B€278€124▼
Recurring financial income75€278€124▼
Financial charges65/66B€3k€2k▼
Recurring financial charges65€3k€2k▼
Profit (loss) for the period before taxes9903€1k€-7k▼
Income taxes67/77€480€401▼
Profit (loss) for the period9904€618€-7k▼
Profit (loss) for the period to be appropriated9905€618€-7k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-17k€-24k▼
Profit (loss) brought forward from the previous period14P€-18k€-17k▲
The notes to these accounts (9 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
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
26-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 26 days late
2024
31-12
Financial
Back to profitnet €618
Net result €618 after 2 loss-making years.
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 30 days late
2023
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Pont-à-Celles · 1 establishment unit since 2021
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.
Place Communale(PAC) 156230 Pont-à-CellesGround area
334 m²
Building footprint
81 m²
Volume, LiDAR
845 m³
Parcel 52055D0309/00S000, Wallonia · tallest building 12.5 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
CKLC
since 20212.314.687.442
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52055D0309/00S000 | Wallonia | 334 m² | 1 · 81 m² | 12.5 m · 3 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 14,023 companies in sector 56301 we hold annual accounts for 4,893. 716 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded17-03-2021
Fiscal year end31-12
Activities, NACEBEL
56301Cafés and bars
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.