CONFISERIE CERTIN
ActiveCONFISERIE CERTIN has been active since 1997 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €30k and a net result of €-2k. Equity remains stable across the filed fiscal years (±2.1% per year). Its solvency ranks better than 56% of 1543 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
46
/ 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
Profitability40▼-15
Solvency63▼-5
Growth32▼-26
Track record100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €1k at 30 days acceptable
Liquidity tight (current ratio 1.48 against 1.73 in 2024; short-term debt: 59.3% and cash: 0.5% of total assets), and 61.8% 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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 10
Relative position
BE, all sectors
reference
Sector 10
higher
← 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 · 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 2025Solvency, return and age of the figures
Solvency
38.2%
Return on assets
-3.1%
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 04-05-2026, 88 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
88 d early
2024
84 d early
2023
85 d early
2022
62 d early
2021
83 d early
2020
67 d early
2019
4 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€30k▼ 7.5%
2024 · €33k
2018: €36k
2019: €39k
2020: €30k
2021: €25k
2022: €27k
2023: €33k
2024: €33k
2018 → 2025
Total assets
€79k▲ 4.5%
2024 · €76k
2018: €75k
2019: €72k
2020: €49k
2021: €44k
2022: €58k
2023: €66k
2024: €76k
2018 → 2025
Net result
€-2k▼ 370%
2024 · €-526
2018: €-1k
2019: €5k
2020: €-9k
2021: €-5k
2022: €2k
2023: €6k
2024: €-526
2018 → 2025
Working capital
€23k▼ 12.0%
2024 · €26k
2018: €19k
2019: €26k
2020: €15k
2021: €11k
2022: €16k
2023: €28k
2024: €26k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€25k-€27k▲ 7.2%€33k▲ 23.3%€33k▼ 1.8%€30k▼ 7.5%
Operating result€3k-€6k▲ 67.6%€11k▲ 89.6%€2k▼ 80.1%€-595
Net result€-5k-€2k€6k▲ 241%€-526€-2k▼ 370%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €595 after €2k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €79k
Fixed assets
€10k▼ 35.1%
Current assets
€70k▲ 14.4%
Equity and liabilities €79k
Equity
€30k▼ 7.5%
Debt
€49k▲ 13.7%
The debt ratio rises from 56.8% to 61.8%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€5k▼
2024 · €7k
Cash flow
€3k▼
2024 · €5k
Solvency
38.2%▼
2024 · 43.2%
Current ratio
1.48▼
2024 · 1.73
Quick ratio
0.86▼
2024 · 1.05
Debt / equity
1.62▲
2024 · 1.32
ROE
-8.1%▼
2024 · -1.6%
ROA
-3.1%▼
2024 · -0.7%
Interest coverage
2.97▼
2024 · 4.41
Debt
€49k▲
2024 · €43k
Debt ≤ 1 year
€47k▲
2024 · €35k
Debt > 1 year
€2k▼
2024 · €6k
Income taxes
€428▼
2024 · €973
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€76k€79k▲
Fixed assets21/28€15k€10k▼
Tangible fixed assets22/27€14k€8k▼
Plant, machinery and equipment23€5k€3k▼
Furniture and vehicles24€8k€5k▼
Financial fixed assets28€2k€2k=
Current assets29/58€61k€70k▲
Stocks and contracts in progress3€24k€29k▲
Stocks30/36€24k€29k▲
Amounts receivable within one year40/41€8k€15k▲
Trade receivables40€8k€12k▲
Other amounts receivable41€291€3k▲
Current investments50/53€19k€25k▲
Cash at bank and in hand54/58€9k€373▼
Deferred charges and accrued income490/1€85€85=
Equity and liabilities
Total equity and liabilities10/49€76k€79k▲
Equity10/15€33k€30k▼
Contributions10/11€19k€19k=
Reserves13€2k€2k=
Non-distributable reserves130/1€2k€2k=
Reserves not available under the articles1311€2k€2k=
Profit (loss) carried forward14€12k€10k▼
Amounts payable17/49€43k€49k▲
Amounts payable after more than one year17€6k€2k▼
Financial debts170/4€6k€2k▼
Amounts payable within one year42/48€35k€47k▲
Current portion of amounts payable after more than one year42€4k€3k▼
Financial debts43-€10k
Credit institutions430/8-€10k
Trade debts44€14k€3k▼
Suppliers440/4€14k€3k▼
Taxes, remuneration and social security45€1k€1k▲
Taxes450/3€1k€1k▲
Other amounts payable47/48€17k€29k▲
Accrued charges and deferred income492/3€2k€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€5k€5k=
Other operating charges640/8€1k€1k▼
Gross operating margin9900€8k€6k▼
Operating profit (loss)9901€2k€-595▼
Financial income75/76B€34€144▲
Recurring financial income75€34€144▲
Financial charges65/66B€2k€2k▼
Recurring financial charges65€2k€2k▼
Profit (loss) for the period before taxes9903€447€-2k▼
Income taxes67/77€973€428▼
Profit (loss) for the period9904€-526€-2k▼
Profit (loss) for the period to be appropriated9905€-526€-2k▼
Appropriation of the result
Profit (loss) to be appropriated9906€12k€10k▼
Profit (loss) brought forward from the previous period14P€13k€12k▼
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
04-05
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
08-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
07-05
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Highest result since 2018net €6k ▲241%
Operating result €11k, net result €6k, both a record.
30-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €2k
Net result €2k after 2 loss-making years.
09-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
25-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Weakest financial yearnet €-9k ▼304%
Net result drops to €-9k, the lowest in the series; recovery starts the following year.
04-08
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 4 days late
2019
31-12
Financial
Back to profitnet €5k
Net result €5k after one loss-making year.
18-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
25-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
15-06
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
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, Anderlecht · 1 establishment unit since 1997
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.
Robert Buyckstraat 91070 AnderlechtGround area
118 m²
Building footprint
105 m²
Volume, LiDAR
869 m³
Parcel 21306D0336/00X004, Brussels · tallest building 13.2 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
CONFISERIE CERTIN
since 19972.082.319.982
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21306D0336/00X004 | Brussels | 118 m² | 1 · 105 m² | 13.2 m · 3 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
Food safety, FASFC
1 siteAnderlecht2.082.319.982
Similar companies · same sector, comparable size
Choc o pure
BE 0848.947.760
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LES GOUTS RETROUVES
BE 1003.212.996
Liège · Eq €30k
MARSHALL FOOD
BE 0775.601.211
Hannut · Eq €31k
Spreadilicious
BE 1002.220.331
Olen · Eq €31k
The Belgian Chocolate Factory
BE 0820.259.021
Erpe-Mere · Eq €30k
Of 725 companies in sector 10820 we hold annual accounts for 351. 172 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded20-06-1997
Fiscal year end31-12
Activities, NACEBEL
10820Manufacture of cocoa, chocolate and sugar confectionery
46360Wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 28 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.