CNTRCT
ActiveCNTRCT has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €52k and a net result of €10k. Its solvency ranks better than 32% of 12627 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
86
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability92▼-8
Solvency75▲+6
Growth52
Stability82
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 1.88 against 1.59 in 2024), but 64.4% 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
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
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 · 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
35.6%
Return on assets
6.6%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 03-09-2026, 34 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 2 filingsDeviation from the deadline
2025
34 d late
2024
29 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
13-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€52k▲ 22.8%
2024 · €42k
2024: €42k
2024 → 2025
Total assets
€145k▲ 24.8%
2024 · €117k
2024: €117k
2024 → 2025
Net result
€10k▼ 75.3%
2024 · €39k
2024: €39k
2024 → 2025
Working capital
€56k▲ 73.3%
2024 · €32k
2024: €32k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€42k-€52k▲ 22.8%
Operating result€52k-€13k▼ 74.5%
Net result€39k-€10k▼ 75.3%
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 74% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €145k
Fixed assets
€26k▼ 12.1%
Current assets
€120k▲ 37.1%
Equity and liabilities €145k
Equity
€52k▲ 22.8%
Debt
€94k▲ 25.9%
The debt ratio rises from 63.8% to 64.4%: debt grows faster than equity.
Key figures and ratios
EBITDA
€21k▼
2024 · €62k
Cash flow
€17k▼
2024 · €48k
Solvency
35.6%▼
2024 · 36.2%
Current ratio
1.88▲
2024 · 1.59
Quick ratio
1.88▲
2024 · 1.59
Debt / equity
1.81▲
2024 · 1.76
ROE
18.5%▼
2024 · 91.7%
ROA
6.6%▼
2024 · 33.2%
Interest coverage
5.64▼
2024 · 16.13
Debt
€94k▲
2024 · €74k
Debt ≤ 1 year
€64k▲
2024 · €55k
Debt > 1 year
€30k▲
2024 · €19k
Income taxes
€4k▼
2024 · €12k
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€117k€145k▲
Fixed assets21/28€29k€26k▼
Tangible fixed assets22/27€29k€21k▼
Furniture and vehicles24€29k€21k▼
Financial fixed assets28-€4k
Current assets29/58€87k€120k▲
Amounts receivable within one year40/41€85k€117k▲
Trade receivables40€28k€50k▲
Other amounts receivable41€57k€67k▲
Cash at bank and in hand54/58€3k€1k▼
Deferred charges and accrued income490/1-€1k
Equity and liabilities
Total equity and liabilities10/49€117k€145k▲
Equity10/15€42k€52k▲
Contributions10/11€4k€4k=
Reserves13€38k€48k▲
Distributable reserves133€38k€48k▲
Profit (loss) carried forward14€699€0▼
Amounts payable17/49€74k€94k▲
Amounts payable after more than one year17€19k€30k▲
Financial debts170/4€19k€30k▲
Amounts payable within one year42/48€55k€64k▲
Current portion of amounts payable after more than one year42€12k€18k▲
Trade debts44€30k€7k▼
Suppliers440/4€30k€7k▼
Advances received on contracts in progress46-€21k
Taxes, remuneration and social security45€13k€18k▲
Taxes450/3€13k€18k▲
Other amounts payable47/48-€125
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€8k▼
Other operating charges640/8€3k€697▼
Gross operating margin9900€65k€22k▼
Operating profit (loss)9901€52k€13k▼
Financial income75/76B€3k€4k▲
Recurring financial income75€3k€4k▲
Financial charges65/66B€4k€4k▼
Recurring financial charges65€4k€4k▼
Profit (loss) for the period before taxes9903€51k€13k▼
Income taxes67/77€12k€4k▼
Profit (loss) for the period9904€39k€10k▼
Profit (loss) for the period to be appropriated9905€39k€10k▼
Appropriation of the result
Profit (loss) to be appropriated9906€39k€10k▼
Profit (loss) brought forward from the previous period14P-€740
Transfer to equity691/2€38k€10k▼
To other reserves6921€38k€10k▼
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
03-09
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 34 days late
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2023
12-12
State Gazette act
General meeting · Director resignation
Director discharge · Director appointment
State Gazette actNBB filing
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
1 establishment unit since 2023
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.
Ground area
175 m²
Building footprint
144 m²
Volume, LiDAR
252 m³
2 parcels, Flanders · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CNTRCT
since 20232.353.312.743
2 parcels
Flanders
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 31002A0226/00E004 | Flanders | 114 m² | 1 · 104 m² | - |
| 31804D0922/00F000 | Flanders | 61 m² | 1 · 40 m² | 9.2 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 2,752 companies in sector 69109 we hold annual accounts for 1,205. 917 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-09-2023
Fiscal year end31-12
Activities, NACEBEL
69109Other legal services
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryE-mail:cntrctbv@outlook.com