cndo
ActiveSummary
cndo has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €149k and a net result of €65k. Its solvency ranks better than 84% of 7750 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
91
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100▲+1
Growth52
Track record82
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days only on tighter terms
Liquidity ample (current ratio 6.47 against 3.91 in 2024; short-term debt: 14.3% and cash: 78% of total assets), and 15.1% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Four 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
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
84.9%
Return on assets
36.9%
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 02-06-2026, 59 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
59 d early
2024
65 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€149k▲ 76.9%
2024 · €84k
2024: €84k
2024 → 2025
Total assets
€175k▲ 53.8%
2024 · €114k
2024: €114k
2024 → 2025
Net result
€65k▼ 20.9%
2024 · €82k
2024: €82k
2024 → 2025
Working capital
€137k▲ 63.6%
2024 · €84k
2024: €84k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€84k-€149k▲ 76.9%
Operating result€103k-€81k▼ 21.1%
Net result€82k-€65k▼ 20.9%
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 21% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €175k
Fixed assets
€13k ▲ 868%
Current assets
€162k ▲ 44.0%
Equity and liabilities €175k
Equity
€149k ▲ 76.9%
Debt
€27k ▼ 11.1%
Debt's share of the balance-sheet total falls from 26.2% to 15.1%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€82k▼
2024 · €103k
Cash flow
€66k▼
2024 · €82k
Current ratio
6.47▲
2024 · 3.91
Debt to equity
0.18▼
2024 · 0.36
ROE
43.5%▼
2024 · 97.1%
ROA
36.9%▼
2024 · 71.7%
Interest coverage
1723.46▲
2024 · 982.65
Debt ≤ 1 year
€25k▼
2024 · €29k
Income taxes
€16k▼
2024 · €21k
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 · 36 lines
Balance sheet
Code20242025
Assets
Total assets20/58€114k€175k▲
Fixed assets21/28€1k€13k▲
Tangible fixed assets22/27€1k€8k▲
Plant, machinery and equipment23€855€2k▲
Furniture and vehicles24€503€370▼
Other tangible fixed assets26-€5k
Financial fixed assets28-€5k
Current assets29/58€112k€162k▲
Amounts receivable within one year40/41€15k€25k▲
Trade receivables40€15k€25k▲
Cash at bank and in hand54/58€97k€137k▲
Equity and liabilities
Total equity and liabilities10/49€114k€175k▲
Equity10/15€84k€149k▲
Contributions10/11€2k€2k=
Profit (loss) carried forward14€82k€146k▲
Amounts payable17/49€30k€27k▼
Amounts payable within one year42/48€29k€25k▼
Trade debts44€3k€671▼
Suppliers440/4€3k€671▼
Taxes, remuneration and social security45€26k€21k▼
Taxes450/3€23k€21k▼
Remuneration and social security454/9€3k€0▼
Other amounts payable47/48€181€3k▲
Accrued charges and deferred income492/3€1k€2k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€61€962▲
Other operating charges640/8-€400
Gross operating margin9900€103k€82k▼
Operating profit (loss)9901€103k€81k▼
Financial charges65/66B€104€48▼
Recurring financial charges65€104€48▼
Profit (loss) for the period before taxes9903€102k€81k▼
Income taxes67/77€21k€16k▼
Profit (loss) for the period9904€82k€65k▼
Profit (loss) for the period to be appropriated9905€82k€65k▼
Appropriation of the result
Profit (loss) to be appropriated9906€82k€146k▲
Profit (loss) brought forward from the previous period14P-€82k
The notes to these accounts (8 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
02-06
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €100kEq €149k ▲76.9%
2 profitable years in a row build equity to €149k.
27-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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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, Overijse · 1 establishment unit since 2023
Ground area
1,111 m²
Building footprint
192 m²
Volume, LiDAR
1,105 m³
Parcel 23544D0388/00G000, Flanders · tallest building 9.8 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
cndo
since 20232.352.934.146
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23544D0388/00G000 | Flanders | 1,111 m² | 1 · 192 m² | 9.8 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
MW Management
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BE 1004.442.720
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BE 1022.045.844
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Dr.Stefan Teughels
BE 0823.055.292
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SWITCH4U
BE 0733.556.659
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Of 24,497 companies in sector 82990 we hold annual accounts for 9,402. 7,126 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
Founded29-11-2023
Fiscal year end31-12
Activities, NACEBEL 2025
82990Other business support services
63920Other information service activities
64999Other financial services
66199Other activities auxiliary to financial services, excluding insurance and pension funding
70200Business and other management consultancy
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.