conTES
ActiveconTES has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €45k and a net result of €17k. Equity is growing by ~32.9% per year across the filed fiscal years. Its solvency ranks better than 64% of 13935 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
79
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability92▼-1
Solvency74▼-3
Growth78=
Track record94
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3.5k at 30 days acceptable
Liquidity ample (current ratio 1.71 against 2.59 in 2024; short-term debt: 43.6% and cash: 35.8% of total assets), but 51.1% 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
48.9%
Return on assets
18.8%
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 15-07-2026, 16 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
16 d early
2024
11 d late
2023
13 d late
2022
24 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€45k=
2024 · €45k
2022: €14k
2023: €28k
2024: €45k
2022 → 2025
Total assets
€93k▲ 6.8%
2024 · €87k
2022: €79k
2023: €68k
2024: €87k
2022 → 2025
Net result
€17k▲ 2.4%
2024 · €17k
2022: €12k
2023: €14k
2024: €17k
2022 → 2025
Working capital
€28k▼ 17.2%
2024 · €34k
2022: €3k
2023: €18k
2024: €34k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€14k-€28k▲ 96.6%€45k▲ 60.3%€45k=
Operating result€18k-€22k▲ 27.3%€27k▲ 18.6%€24k▼ 10.7%
Net result€12k-€14k▲ 17.0%€17k▲ 22.7%€17k▲ 2.4%
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 falls in 2025; 2025 is 11% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €93k
Fixed assets
€24k▼ 22.6%
Current assets
€69k▲ 22.9%
Equity and liabilities €93k
Equity
€45k=
Debt
€47k▲ 14.3%
The debt ratio rises from 47.8% to 51.1%. Debt is higher.
Key figures and ratios
EBITDA
€35k▼
2024 · €38k
Cash flow
€29k▲
2024 · €28k
Solvency
48.9%▼
2024 · 52.2%
Current ratio
1.71▼
2024 · 2.59
Quick ratio
1.71▼
2024 · 2.59
Debt / equity
1.05▲
2024 · 0.91
ROE
38.5%▲
2024 · 37.6%
ROA
18.8%▼
2024 · 19.6%
Interest coverage
27.46▲
2024 · 24.25
Debt
€47k▲
2024 · €41k
Debt ≤ 1 year
€40k▲
2024 · €22k
Debt > 1 year
€7k▼
2024 · €20k
Income taxes
€6k▼
2024 · €8k
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€87k€93k▲
Fixed assets21/28€31k€24k▼
Tangible fixed assets22/27€31k€19k▼
Furniture and vehicles24€4k€3k▼
Leasing and similar rights25€26k€16k▼
Financial fixed assets28-€5k
Current assets29/58€56k€69k▲
Amounts receivable within one year40/41€19k€34k▲
Trade receivables40€9k€0▼
Other amounts receivable41€10k€34k▲
Cash at bank and in hand54/58€35k€33k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€87k€93k▲
Equity10/15€45k€45k=
Contributions10/11€3k€3k=
Reserves13€43k€43k=
Distributable reserves133€43k€43k=
Profit (loss) carried forward14-€0
Amounts payable17/49€41k€47k▲
Amounts payable after more than one year17€20k€7k▼
Financial debts170/4€20k€7k▼
Amounts payable within one year42/48€22k€40k▲
Current portion of amounts payable after more than one year42€12k€13k▲
Trade debts44€7k€9k▲
Suppliers440/4€7k€9k▲
Taxes, remuneration and social security45€2k€1k▼
Taxes450/3€2k€1k▼
Other amounts payable47/48€0€17k▲
Accrued charges and deferred income492/3€0-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€12k▲
Other operating charges640/8€2k€2k▲
Gross operating margin9900€39k€37k▼
Operating profit (loss)9901€27k€24k▼
Financial income75/76B€91€1k▲
Recurring financial income75€91€1k▲
Financial charges65/66B€2k€1k▼
Recurring financial charges65€2k€1k▼
Profit (loss) for the period before taxes9903€25k€24k▼
Income taxes67/77€8k€6k▼
Profit (loss) for the period9904€17k€17k▲
Profit (loss) for the period to be appropriated9905€17k€17k▲
Appropriation of the result
Profit (loss) to be appropriated9906€17k€17k▲
Transfer to equity691/2€17k€0▼
To other reserves6921€17k€0▼
Profit to be distributed694/7-€17k
Return on contributions (dividend)694-€17k
The notes to these accounts (9 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
15-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Highest result since 2022net €17k ▲2.4%
Net result €17k, the highest in the series.
11-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 11 days late
2024
13-08
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema · 13 days late
2023
31-12
Financial
Liquidity doublescurrent ratio 2.41
Current ratio from 1.12 to 2.41; short-term debt falls from €27k to €13k.
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema · 24 days late
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, Gent · 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.
Paul De Ryckstraat 219040 GentGround area
401 m²
Building footprint
101 m²
Volume, LiDAR
716 m³
Parcel 44432C1224/00P000, Flanders · tallest building 12.3 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
conTES
since 20222.332.145.759
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44432C1224/00P000 | Flanders | 401 m² | 1 · 101 m² | 12.3 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.
Similar companies · same sector, comparable size
AR PROMOTION
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HOME PROJET SAM
BE 0818.309.024
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HOME 112
BE 0668.965.349
Le Roeulx · Eq €45k
LYCEE FRANCAIS 6
BE 1000.513.428
Ukkel · Eq €45k
DS INVEST
BE 1011.639.724
Schaarbeek · Eq €45k
Of 9,696 companies in sector 68121 we hold annual accounts for 7,378. 4,926 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded09-06-2022
Fiscal year end31-12
Activities, NACEBEL
68121Development of residential building projects
68122Development of non-residential building projects
64200Holdings
64210Activities of holding companies
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.