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COMPLETELY-C

Active
Private limited companyfounded 20188 yrs activeGyselstraat 99, 9100 Sint-Niklaas, BelgiumKBO/BCE: BE 0698.991.601

COMPLETELY-C has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €26k and a net result of €-19k. Equity is shrinking by ~3.7% per year across the filed fiscal years. Its solvency ranks better than 49% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).

Checked score

Score 2025
66 / 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-100
Solvency80▼-12
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1.5k at 30 days acceptable
Liquidity ample (current ratio 1.54 against 2.32 in 2024; short-term debt: 45.1% and cash: 68% of total assets), and 45.1% 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 riskneutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← fewer bankruptcies more bankruptcies →
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 2025
Solvency, return and age of the figures
Solvency
54.9%
Return on assets
-39.6%
Age of the figures
9 mo
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 date
Age against the risk zone
elevated failure risk from 2 to 8 years 8 years 0 10 y
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 15-02-2026, 166 days ahead of the deadline.
NBB · 7 filings
Deviation from the deadline
2025
166 d early
2024
36 d early
2023
34 d early
2022
35 d early
2021
33 d early
2020
31 d early
2019
29 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 months
Position in the running window
22-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity
€26k▼ 41.9%
2024 · €45k
2019: €37k 2020: €32k 2021: €24k 2022: €52k 2023: €28k 2024: €45k
2019 → 2025
Total assets
€48k▼ 28.7%
2024 · €67k
2019: €42k 2020: €38k 2021: €55k 2022: €76k 2023: €50k 2024: €67k
2019 → 2025
Net result
€-19k
2024 · €17k
2019: €24k 2020: €-5k 2021: €-8k 2022: €28k 2023: €-24k 2024: €17k
2019 → 2025
Working capital
€12k▼ 59.7%
2024 · €29k
2019: €29k 2020: €18k 2021: €20k 2022: €41k 2023: €15k 2024: €29k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise ▼ fall
Line20212022202320242025Trend
Equity€24k-€52k▲ 116%€28k▼ 45.7%€45k▲ 60.5%€26k▼ 41.9%
Operating result€-3k-€38k€-23k€17k€-19k
Net result€-8k-€28k€-24k€17k€-19k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
€-40k€-20k€0€20k€40kOperating result 2021: €-3k€-3kNet result 2021: €-8k€-8kOperating result 2022: €38k€38kNet result 2022: €28k€28kOperating result 2023: €-23k€-23kNet result 2023: €-24k€-24kOperating result 2024: €17k€17kNet result 2024: €17k€17kOperating result 2025: €-19k€-19kNet result 2025: €-19k€-19k20212022202320242025
The operating result turns negative in 2025: a loss of €19k after €17k in 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €48k
Fixed assets €15k▼ 10.2%
Current assets €33k▼ 34.6%
Equity and liabilities €48k
Equity €26k▼ 41.9%
Debt €21k▼ 1.4%
The debt ratio rises from 32.6% to 45.1%. Equity and debt are lower.
Key figures and ratios
2025 value · change against 2024
EBITDA
€-16k
2024 · €20k
Cash flow
€-16k
2024 · €20k
Solvency
54.9%
2024 · 67.4%
Current ratio
1.54
2024 · 2.32
Quick ratio
1.54
2024 · 2.32
Debt / equity
0.82
2024 · 0.48
ROE
-72.0%
2024 · 37.7%
ROA
-39.6%
2024 · 25.4%
Debt
€21k
2024 · €22k
Debt ≤ 1 year
€21k
2024 · €22k
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€67k€48k
Fixed assets21/28€16k€15k
Tangible fixed assets22/27€15k€12k
Plant, machinery and equipment23€3-
Furniture and vehicles24€15k€12k
Financial fixed assets28€2k€3k
Current assets29/58€51k€33k
Amounts receivable within one year40/41€5k€698
Trade receivables40€5k-
Other amounts receivable41-€698
Cash at bank and in hand54/58€45k€32k
Equity and liabilities
Total equity and liabilities10/49€67k€48k
Equity10/15€45k€26k
Contributions10/11€13k€13k=
Reserves13€24k€24k=
Distributable reserves133€24k€24k=
Profit (loss) carried forward14€8k€-11k
Amounts payable17/49€22k€21k
Amounts payable within one year42/48€22k€21k
Trade debts44€33€35
Suppliers440/4€33€35
Taxes, remuneration and social security45€802-
Taxes450/3€802-
Other amounts payable47/48€21k€21k
Income statement Code20242025
Non-recurring operating income76A€1k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€3k
Other operating charges640/8€702€720
Gross operating margin9900€21k€-15k
Operating profit (loss)9901€17k€-19k
Financial income75/76B€0-
Recurring financial income75€0-
Profit (loss) for the period before taxes9903€17k€-19k
Profit (loss) for the period9904€17k€-19k
Profit (loss) for the period to be appropriated9905€17k€-19k
Appropriation of the result
Profit (loss) to be appropriated9906€8k€-11k
Profit (loss) brought forward from the previous period14P€-9k€8k

The notes to these accounts (6 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
15-02
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2025
25-06
NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial Back to profitnet €17k
Net result €17k after one loss-making year.
27-06
NBB filing Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial Weakest financial yearnet €-24k ▼185%
Net result drops to €-24k, the lowest in the series; recovery starts the following year.
26-06
NBB filing Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial Back to profitnet €28k
Net result €28k after 2 loss-making years.
28-06
NBB filing Annual accounts filed
fiscal year 2021 · micro schema
2021
30-06
NBB filing Annual accounts filed
fiscal year 2020 · micro schema
2020
02-07
NBB filing Annual accounts filed
fiscal year 2019 · micro schema
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, Sint-Niklaas · 1 establishment unit since 2018
establishment The establishment unit on the map
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.

Gyselstraat 999100 Sint-Niklaas
Ground area
585 m²
Building footprint
143 m²
Volume, LiDAR
704 m³
Parcel 46017A0224/00R000, Flanders · tallest building 10.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
COMPLETELY-C
Gyselstraat 99, 9100 Sint-NiklaasFinancial service activities, except insurance and pension funding
since 20182.277.241.086
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
46017A0224/00R000 Flanders 585 m² 1 · 143 m² 10.6 m · 1 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

Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 33,291 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification
Legal formPrivate limited company
Founded29-06-2018
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
Sources
Crossroads Bank for EnterprisesNational Bank · 7 filingsAddress and cadastre registers

Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.