CONFI-dence
ActiveCONFI-dence has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €268k and a net result of €56k. Equity is growing by ~15.7% per year across the filed fiscal years. Its solvency ranks better than 79% of 31527 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
93
/ 100
Excellent▼ -7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Stability100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity ample (current ratio 5.23 against 6.17 in 2024), and 18.1% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
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 →
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
81.9%
Return on assets
17.1%
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 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
29 d late
2023
31 d late
2022
30 d late
2021
1 d early
2020
31 d late
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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€268k▲ 11.5%
2024 · €240k
2018: €83k
2019: €90k
2020: €113k
2021: €162k
2022: €186k
2023: €209k
2024: €240k
2018 → 2025
Total assets
€327k▲ 16.1%
2024 · €281k
2018: €142k
2019: €110k
2020: €125k
2021: €205k
2022: €219k
2023: €305k
2024: €281k
2018 → 2025
Net result
€56k▼ 4.5%
2024 · €59k
2018: €29k
2019: €7k
2020: €23k
2021: €49k
2022: €40k
2023: €53k
2024: €59k
2018 → 2025
Working capital
€251k▲ 16.9%
2024 · €215k
2018: €36k
2019: €47k
2020: €77k
2021: €131k
2022: €159k
2023: €188k
2024: €215k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€162k-€186k▲ 14.9%€209k▲ 12.8%€240k▲ 14.7%€268k▲ 11.5%
Operating result€73k-€61k▼ 15.9%€78k▲ 27.5%€82k▲ 4.9%€82k▲ 0.1%
Net result€49k-€40k▼ 18.4%€53k▲ 31.6%€59k▲ 11.4%€56k▼ 4.5%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2022 the operating result has climbed three years in a row; 2025 is 0% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €327k
Fixed assets
€17k▼ 34.6%
Current assets
€310k▲ 21.1%
Equity and liabilities €327k
Equity
€268k▲ 11.5%
Debt
€59k▲ 42.9%
The debt ratio rises from 14.7% to 18.1%: debt grows faster than equity.
Key figures and ratios
EBITDA
€91k▲
2024 · €88k
Cash flow
€65k▼
2024 · €65k
Solvency
81.9%▼
2024 · 85.3%
Current ratio
5.23▼
2024 · 6.17
Quick ratio
5.23▼
2024 · 6.17
Debt / equity
0.22▲
2024 · 0.17
ROE
20.9%▼
2024 · 24.4%
ROA
17.1%▼
2024 · 20.8%
Interest coverage
33.18▼
2024 · 34.62
Debt
€59k▲
2024 · €41k
Debt ≤ 1 year
€59k▲
2024 · €41k
Income taxes
€23k▼
2024 · €25k
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€281k€327k▲
Fixed assets21/28€26k€17k▼
Tangible fixed assets22/27€26k€17k▼
Furniture and vehicles24€11k€7k▼
Other tangible fixed assets26€14k€10k▼
Current assets29/58€256k€310k▲
Amounts receivable within one year40/41€208k€171k▼
Trade receivables40€74k€60k▼
Other amounts receivable41€134k€111k▼
Cash at bank and in hand54/58€44k€139k▲
Deferred charges and accrued income490/1€4k€208▼
Equity and liabilities
Total equity and liabilities10/49€281k€327k▲
Equity10/15€240k€268k▲
Contributions10/11€6k€6k=
Reserves13€230k€256k▲
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Distributable reserves133€228k€255k▲
Profit (loss) carried forward14€4k€5k▲
Amounts payable17/49€41k€59k▲
Amounts payable within one year42/48€41k€59k▲
Trade debts44€8k€5k▼
Suppliers440/4€8k€5k▼
Taxes, remuneration and social security45€34k€27k▼
Taxes450/3€34k€27k▼
Other amounts payable47/48-€27k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€9k▲
Other operating charges640/8€2k€16k▲
Gross operating margin9900€90k€106k▲
Operating profit (loss)9901€82k€82k▲
Financial income75/76B€4k€0▼
Recurring financial income75€4k€0▼
Financial charges65/66B€3k€3k▲
Recurring financial charges65€3k€3k▲
Profit (loss) for the period before taxes9903€83k€79k▼
Income taxes67/77€25k€23k▼
Profit (loss) for the period9904€59k€56k▼
Profit (loss) for the period to be appropriated9905€59k€56k▼
Appropriation of the result
Profit (loss) to be appropriated9906€62k€60k▼
Profit (loss) brought forward from the previous period14P€4k€4k▲
Transfer from equity791/2€28k€29k▲
Transfer to equity691/2€59k€55k▼
To other reserves6921€59k€55k▼
Profit to be distributed694/7€28k€29k▲
Return on contributions (dividend)694€28k€29k▲
The notes to these accounts (6 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Highest result since 2018net €59k ▲11.4%
Net result €59k, the highest in the series.
31-12
Financial
Liquidity doublescurrent ratio 6.17
Current ratio from 2.97 to 6.17; short-term debt falls from €96k to €41k.
31-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 31 days late
2023
31-12
Financial
Equity above €200kEq €209k ▲12.8%
6 profitable years in a row build equity to €209k.
30-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 30 days late
2022
30-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Equity above €150kEq €162k ▲43.6%
4 profitable years in a row build equity to €162k.
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Liquidity doublescurrent ratio 7.36
Current ratio from 3.34 to 7.36; short-term debt falls from €20k to €12k.
31-12
Financial
Equity above €100kEq €113k ▲25.2%
3 profitable years in a row build equity to €113k.
26-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €7k ▼75.3%
Net result drops to €7k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity doublescurrent ratio 3.34
Current ratio from 1.61 to 3.34; short-term debt falls from €59k to €20k.
30-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
31-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro 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, Sint-Gillis-Waas · 1 establishment unit since 2016
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.
Bareel(DKL) 519170 Sint-Gillis-WaasGround area
1,520 m²
Building footprint
168 m²
Volume, LiDAR
2 m³
Parcel 46005A0791/00W002, Flanders · tallest building 0.6 m. Linked by address, not a title deed.
1 establishment unit
CONFI-dence
since 20162.255.228.125
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46005A0791/00W002 | Flanders | 1,519 m² | 1 · 168 m² | 0.6 m |
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 82,241 companies in sector 70200 we hold annual accounts for 52,391. 38,541 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded21-04-2016
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
74909Other professional, scientific and technical activities
74999Other professional, scientific and technical activities
Sources
Crossroads Bank for EnterprisesNational Bank · 10 filingsAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.