CORTEMBOS VINCENT
ActiveCORTEMBOS VINCENT has been active since 2009 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €840k and a net result of €-9k. Equity remains stable across the filed fiscal years (±0.7% per year). Its solvency ranks better than 74% of 8596 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
78
/ 100
Excellent▲ +18 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency100▲+4
Growth78=
Stability100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €65k at 30 days acceptable
Liquidity ample (current ratio 2.0 against 1.84 in 2024), and 21.8% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises 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 · 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
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
78.2%
Return on assets
-0.9%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year -€9k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 21-08-2026, 21 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
21 d late
2024
19 d late
2023
6 d late
2022
29 d late
2021
31 d late
2020
31 d late
2019
30 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, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-9k▲ 82.6%
2024 · €-54k
2018: €-861k
2019: €231k
2020: €614k
2021: €-155k
2022: €25k
2023: €-104k
2024: €-54k
2018 → 2025
Working capital
€60k▼ 23.5%
2024 · €79k
2018: €-132k
2019: €-24k
2020: €542k
2021: €250k
2022: €411k
2023: €181k
2024: €79k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€982k-€1.01M▲ 2.5%€903k▼ 10.3%€849k▼ 5.9%€840k▼ 1.1%
Operating result€-135k-€9k€-95k€-47k▲ 50.5%€-6k▲ 87.2%
Net result€-155k-€25k€-104k€-54k▲ 48.4%€-9k▲ 82.6%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €6k in 2025 against €47k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.07M
Fixed assets
€954k▼ 4.3%
Current assets
€120k▼ 30.3%
Equity and liabilities €1.07M
Equity
€840k▼ 1.1%
Debt
€234k▼ 26.7%
The debt ratio falls from 27.3% to 21.8%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€36k▲
2024 · €-3k
Cash flow
€33k▲
2024 · €-9k
Solvency
78.2%▲
2024 · 72.7%
Current ratio
2.00▲
2024 · 1.84
Quick ratio
2.00▲
2024 · 1.84
Debt / equity
0.28▼
2024 · 0.38
ROE
-1.1%▲
2024 · -6.3%
ROA
-0.9%▲
2024 · -4.6%
Interest coverage
6.65▲
2024 · -0.32
Debt
€234k▼
2024 · €319k
Debt ≤ 1 year
€60k▼
2024 · €94k
Debt > 1 year
€174k▼
2024 · €223k
Income taxes
€1k▼
2024 · €2k
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€1.17M€1.07M▼
Fixed assets21/28€996k€954k▼
Tangible fixed assets22/27€996k€954k▼
Land and buildings22€976k€936k▼
Furniture and vehicles24€11k€11k=
Leasing and similar rights25€9k€7k▼
Current assets29/58€172k€120k▼
Amounts receivable after more than one year29€96k€0▼
Other amounts receivable291€96k€0▼
Amounts receivable within one year40/41€34k€89k▲
Trade receivables40€10k€28k▲
Other amounts receivable41€24k€62k▲
Cash at bank and in hand54/58€36k€29k▼
Deferred charges and accrued income490/1€6k€2k▼
Equity and liabilities
Total equity and liabilities10/49€1.17M€1.07M▼
Equity10/15€849k€840k▼
Contributions10/11€12k€12k=
Reserves13€527k€527k=
Non-distributable reserves130/1€0-
Reserves not available under the articles1311€0-
Distributable reserves133€527k€527k=
Profit (loss) carried forward14€310k€301k▼
Amounts payable17/49€319k€234k▼
Amounts payable after more than one year17€223k€174k▼
Financial debts170/4€223k€174k▼
Amounts payable within one year42/48€94k€60k▼
Current portion of amounts payable after more than one year42€85k€50k▼
Trade debts44€2k€4k▲
Suppliers440/4€2k€4k▲
Taxes, remuneration and social security45€7k€6k▼
Taxes450/3€7k€6k▼
Other amounts payable47/48€0-
Accrued charges and deferred income492/3€2k€30▼
Income statement
Code20242025
Non-recurring operating income76A€9k€17k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€44k€42k▼
Other operating charges640/8€8k€8k▲
Gross operating margin9900€5k€44k▲
Operating profit (loss)9901€-47k€-6k▲
Financial income75/76B€5k€3k▼
Recurring financial income75€5k€3k▼
Financial charges65/66B€9k€5k▼
Recurring financial charges65€9k€5k▼
Profit (loss) for the period before taxes9903€-51k€-8k▲
Income taxes67/77€2k€1k▼
Profit (loss) for the period9904€-54k€-9k▲
Profit (loss) for the period to be appropriated9905€-54k€-9k▲
Appropriation of the result
Profit (loss) to be appropriated9906€310k€301k▼
Profit (loss) brought forward from the previous period14P€364k€310k▼
Social balance
Average headcount (FTE)90870.00.0=
The notes to these accounts (18 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
21-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 21 days late
2025
19-08
NBB filing
Annual accounts filed
fiscal year 2024 · full schema · 19 days late
2024
06-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 6 days late
2023
29-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 29 days late
2022
31-12
Financial
Back to profitnet €25k
Net result €25k after one loss-making year.
31-12
Financial
Liquidity triplescurrent ratio 4.55
Current ratio from 1.70 to 4.55; short-term debt falls from €358k to €116k.
31-12
Financial
Equity above €1MEq €1.01M ▲2.5%
Equity rises from €982k to €1.01M.
31-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 31 days late
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 31 days late
2020
31-12
Financial
Highest result since 2018net €614k ▲166%
Operating result €673k, net result €614k, both a record.
31-12
Financial
Liquidity triplescurrent ratio 2.92
Current ratio from 0.94 to 2.92; short-term debt falls from €385k to €282k.
31-12
Financial
Equity above €1MEq €1.14M ▲102%
2 profitable years in a row build equity to €1.14M.
01-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
31-12
Financial
Back to profitnet €231k
Net result €231k after one loss-making year.
31-12
Financial
Equity above €500kEq €563k ▲69.6%
Equity rises from €332k to €563k.
01-07
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
02-07
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
26-06
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Estinnes · 1 establishment unit since 2009
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.
Rue du Cheneau(VBR) 27120 EstinnesGround area
287 m²
Building footprint
155 m²
Volume, LiDAR
1,801 m³
Parcel 56080A0007/00E004, Wallonia · tallest building 13.9 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
CORTEMBOS VINCENT
since 20092.177.855.381
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 56080A0007/00E004 | Wallonia | 287 m² | 1 · 155 m² | 13.9 m · 4 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
J DENIS MANAGEMENT
BE 0783.951.327
Schaarbeek · Eq €840k
GUIREC
BE 0806.813.732
Rixensart · Eq €840k
Vetmedico
BE 0836.690.029
Pajottegem · Eq €840k
LuLu's Management
BE 0795.291.320
Herentals · Eq €840k
PASS & PARTNERS
BE 0877.677.675
Tremelo · Eq €840k
Of 82,518 companies in sector 70200 we hold annual accounts for 52,573. 29,733 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-04-2009
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
55209Other holiday and short-stay accommodation
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 16 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.