COLDE
ActiveCOLDE has been active since 2000 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €344k and a net result of €-12k. Equity remains stable across the filed fiscal years (±0.7% per year). Its solvency ranks better than 26% of 9183 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
53
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability21▲+3
Solvency32▼-1
Growth78=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity ample (current ratio 3.38 against 2.56 in 2024; short-term debt: 28.1% and cash: 1.7% of total assets), but 92.5% 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.
−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 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-12k
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 01-07-2026, 30 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
30 d early
2024
3 d early
2023
30 d late
2022
30 d late
2021
31 d late
2020
28 d early
2019
35 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€344k▼ 3.4%
2024 · €356k
2018: €324k
2019: €346k
2020: €354k
2021: €368k
2022: €370k
2023: €365k
2024: €356k
2018 → 2025
Total assets
€4.60M▲ 9.6%
2024 · €4.20M
2018: €918k
2019: €930k
2020: €954k
2021: €1.01M
2022: €2.07M
2023: €2.79M
2024: €4.20M
2018 → 2025
Net result
€-12k▼ 39.3%
2024 · €-9k
2018: €-42k
2019: €22k
2020: €8k
2021: €14k
2022: €2k
2023: €-5k
2024: €-9k
2018 → 2025
Working capital
€3.09M▲ 27.8%
2024 · €2.42M
2018: €39k
2019: €483k
2020: €536k
2021: €560k
2022: €573k
2023: €952k
2024: €2.42M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€368k-€370k▲ 0.5%€365k▼ 1.3%€356k▼ 2.4%€344k▼ 3.4%
Operating result€10k-€5k▼ 51.2%€-9k€-9k▼ 7.9%€-7k▲ 24.2%
Net result€14k-€2k▼ 86.1%€-5k€-9k▼ 77.4%€-12k▼ 39.3%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €7k in 2025 against €9k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €4.60M
Fixed assets
€219k▼ 4.1%
Current assets
€4.38M▲ 10.4%
Equity and liabilities €4.60M
Equity
€344k▼ 3.4%
Debt
€4.26M▲ 10.9%
The debt ratio rises from 91.5% to 92.5%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€2k▲
2024 · €-88
Cash flow
€-3k▼
2024 · €486
Solvency
7.5%▼
2024 · 8.5%
Current ratio
3.38▲
2024 · 2.56
Quick ratio
0.12▼
2024 · 0.24
Debt / equity
12.38▲
2024 · 10.79
ROE
-3.6%▼
2024 · -2.5%
ROA
-0.3%▼
2024 · -0.2%
Interest coverage
0.30▲
2024 · -0.03
Debt
€4.26M▲
2024 · €3.84M
Debt ≤ 1 year
€1.30M▼
2024 · €1.55M
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€4.20M€4.60M▲
Fixed assets21/28€228k€219k▼
Tangible fixed assets22/27€228k€219k▼
Land and buildings22€228k€219k▼
Current assets29/58€3.97M€4.38M▲
Stocks and contracts in progress3€3.60M€4.23M▲
Stocks30/36€3.60M€4.23M▲
Amounts receivable within one year40/41€93k€73k▼
Trade receivables40€31k€16k▼
Other amounts receivable41€62k€57k▼
Cash at bank and in hand54/58€272k€79k▼
Equity and liabilities
Total equity and liabilities10/49€4.20M€4.60M▲
Equity10/15€356k€344k▼
Contributions10/11€99k€99k=
Capital10€99k€99k=
Issued capital100€99k€99k=
Reserves13€255k€255k=
Non-distributable reserves130/1€10k€10k=
Legal reserve130€10k€10k=
Distributable reserves133€245k€245k=
Profit (loss) carried forward14€2k€-10k▼
Amounts payable17/49€3.84M€4.26M▲
Amounts payable within one year42/48€1.55M€1.30M▼
Financial debts43€1.54M€1.29M▼
Credit institutions430/8€1.54M€1.29M▼
Trade debts44€12k€900▼
Suppliers440/4€12k€900▼
Accrued charges and deferred income492/3€2.29M€2.96M▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€9k€9k=
Other operating charges640/8€6k€6k▲
Gross operating margin9900€6k€8k▲
Operating profit (loss)9901€-9k€-7k▲
Financial income75/76B€3k€2k▼
Recurring financial income75€3k€2k▼
Financial charges65/66B€3k€7k▲
Recurring financial charges65€3k€7k▲
Profit (loss) for the period before taxes9903€-9k€-12k▼
Profit (loss) for the period9904€-9k€-12k▼
Profit (loss) for the period to be appropriated9905€-9k€-12k▼
Appropriation of the result
Profit (loss) to be appropriated9906€-8k€-10k▼
Profit (loss) brought forward from the previous period14P€550€2k▲
Transfer from equity791/2€10k-
The notes to these accounts (5 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
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
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
2022
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 31 days late
2021
03-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
26-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Back to profitnet €22k
Net result €22k after one loss-making year.
31-12
Financial
Liquidity quadruplescurrent ratio 3.80
Current ratio from 1.07 to 3.80; short-term debt falls from €595k to €172k.
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 28 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
26-06
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Dilsen-Stokkem · 1 establishment unit since 2000
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.
Nachtegaallaan 423650 Dilsen-StokkemGround area
2,206 m²
Building footprint
365 m²
Volume, LiDAR
1,643 m³
Parcel 72032B1641/00Z000, Flanders · tallest building 7.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Nachtegaallaan 42, 3650 Dilsen-Stokkem
since 20002.115.785.477
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72032B1641/00Z000 | Flanders | 2,206 m² | 1 · 365 m² | 7.0 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.
Recognitions · licences · registrations
Legal Entity Identifier
875500C7M2BV3HFUMX19
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IMMO DRM
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Of 7,321 companies in sector 68110 we hold annual accounts for 5,382. 3,818 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded26-01-2000
Fiscal year end31-12
Activities, NACEBEL
68110Buying and selling of own real estate
70120
Sources
Crossroads Bank for EnterprisesNational Bank · 25 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.