CONFIDEA
ActiveCONFIDEA has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €106k and a net result of €84k. Equity is growing by ~35% per year across the filed fiscal years. Its solvency ranks better than 64% of 13882 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
94
/ 100
Excellent▼ -6 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency90▼-10
Growth78=
Stability94
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 1.86 against 4.0 in 2024), but 52.1% 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 risk○neutral
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 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 68
Relative position
BE, all sectors
reference
Sector 68
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
47.9%
Return on assets
37.9%
Age of the figures
8 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 10-03-2026, 143 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
143 d early
2024
129 d early
2023
76 d early
2022
112 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€106k▲ 0.6%
2024 · €105k
2022: €32k
2023: €68k
2024: €105k
2022 → 2025
Total assets
€221k▲ 42.6%
2024 · €155k
2022: €100k
2023: €132k
2024: €155k
2022 → 2025
Net result
€84k▲ 128%
2024 · €37k
2022: €30k
2023: €36k
2024: €37k
2022 → 2025
Working capital
€93k▼ 1.1%
2024 · €94k
2022: €17k
2023: €55k
2024: €94k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€32k-€68k▲ 113%€105k▲ 53.7%€106k▲ 0.6%
Operating result€42k-€52k▲ 22.1%€52k▲ 0.5%€105k▲ 102%
Net result€30k-€36k▲ 22.2%€37k▲ 1.3%€84k▲ 128%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen three years in a row; 2025 is 102% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €221k
Fixed assets
€20k▼ 33.1%
Current assets
€201k▲ 60.4%
Equity and liabilities €221k
Equity
€106k▲ 0.6%
Debt
€115k▲ 131%
The debt ratio rises from 32.1% to 52.1%: debt grows faster than equity.
Key figures and ratios
EBITDA
€118k▲
2024 · €65k
Cash flow
€96k▲
2024 · €49k
Solvency
47.9%▼
2024 · 67.9%
Current ratio
1.86▼
2024 · 4.00
Quick ratio
1.86▼
2024 · 4.00
Debt / equity
1.09▲
2024 · 0.47
ROE
79.2%▲
2024 · 34.9%
ROA
37.9%▲
2024 · 23.7%
Interest coverage
116.06▲
2024 · 40.17
Debt
€115k▲
2024 · €50k
Debt ≤ 1 year
€108k▲
2024 · €31k
Debt > 1 year
€7k▼
2024 · €18k
Income taxes
€22k▲
2024 · €16k
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€155k€221k▲
Fixed assets21/28€29k€20k▼
Tangible fixed assets22/27€29k€20k▼
Furniture and vehicles24€2k€1k▼
Leasing and similar rights25€26k€15k▼
Other tangible fixed assets26€814€3k▲
Current assets29/58€125k€201k▲
Amounts receivable within one year40/41€13k€21k▲
Trade receivables40€12k€16k▲
Other amounts receivable41€359€5k▲
Current investments50/53€50k€125k▲
Cash at bank and in hand54/58€62k€54k▼
Deferred charges and accrued income490/1€464€497▲
Equity and liabilities
Total equity and liabilities10/49€155k€221k▲
Equity10/15€105k€106k▲
Contributions10/11€3k€3k=
Reserves13€102k€102k=
Distributable reserves133€102k€102k=
Profit (loss) carried forward14€125€789▲
Amounts payable17/49€50k€115k▲
Amounts payable after more than one year17€18k€7k▼
Financial debts170/4€18k€7k▼
Amounts payable within one year42/48€31k€108k▲
Current portion of amounts payable after more than one year42€11k€11k▲
Trade debts44€335€492▲
Suppliers440/4€335€492▲
Taxes, remuneration and social security45€8k€8k▲
Taxes450/3€8k€8k▲
Other amounts payable47/48€12k€88k▲
Accrued charges and deferred income492/3€758€337▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€13k€13k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€67k€120k▲
Operating profit (loss)9901€52k€105k▲
Financial income75/76B€2k€2k▼
Recurring financial income75€2k€2k▼
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€52k€106k▲
Income taxes67/77€16k€22k▲
Profit (loss) for the period9904€37k€84k▲
Profit (loss) for the period to be appropriated9905€37k€84k▲
Appropriation of the result
Profit (loss) to be appropriated9906€37k€84k▲
Profit (loss) brought forward from the previous period14P€52€125▲
Transfer to equity691/2€37k€0▼
To other reserves6921€37k€0▼
Profit to be distributed694/7-€83k
Return on contributions (dividend)694-€83k
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
10-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2022net €84k ▲128%
Operating result €105k, net result €84k, both a record.
24-03
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €100kEq €105k ▲53.7%
3 profitable years in a row build equity to €105k.
16-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
10-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
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, Koksijde · 1 establishment unit since 2022
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.
Veurnelaan(Kok) 468670 KoksijdeGround area
1,055 m²
Building footprint
104 m²
Volume, LiDAR
665 m³
Parcel 38343A0898/00Z006, Flanders · tallest building 9.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CONFIDEA
since 20222.329.977.810
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 38343A0898/00Z006 | Flanders | 1,055 m² | 1 · 104 m² | 9.3 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
LG Bouwpromotie
BE 0691.876.551
Kalmthout · Eq €106k
MFL BOUW
BE 0798.097.390
Maasmechelen · Eq €106k
KTH DEVELOPMENT
BE 0693.742.515
Grimbergen · Eq €106k
CTK INVEST
BE 0597.589.482
Liège · Eq €106k
IMFIRO
BE 0886.268.709
Roeselare · Eq €106k
Of 9,637 companies in sector 68121 we hold annual accounts for 7,329. 5,276 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded29-03-2022
Fiscal year end31-12
Activities, NACEBEL
68121Development of residential building projects
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 11-09-2026. Scores and ratios are computed by Checked and are not a credit decision.