Cortibi
ActiveCortibi has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €41k and a net result of €74k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 63% of 31662 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).
Checked score
Score 2025
76
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency94▼-6
Growth32▼-46
Track record94
Bankruptcy probability, 12 months
0.7%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 2.31 against 34.15 in 2024; short-term debt: 31% and cash: 1% of total assets), and 31% 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
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 →
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 · 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
69%
Return on assets
124.1%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 4 filingsDeviation from the deadline
2025
31 d late
2024
3 d early
2023
61 d late
2022
7 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
21-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€41k▼ 92.7%
2024 · €567k
2022: €185k
2023: €348k
2024: €567k
2022 → 2025
Total assets
€60k▼ 89.8%
2024 · €584k
2022: €272k
2023: €359k
2024: €584k
2022 → 2025
Net result
€74k▼ 66.2%
2024 · €219k
2022: €182k
2023: €163k
2024: €219k
2022 → 2025
Working capital
€24k▼ 95.6%
2024 · €549k
2022: €162k
2023: €330k
2024: €549k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€185k-€348k▲ 88.1%€567k▲ 63.0%€41k▼ 92.7%
Operating result€237k-€211k▼ 10.9%€287k▲ 35.8%€94k▼ 67.4%
Net result€182k-€163k▼ 10.4%€219k▲ 34.5%€74k▼ 66.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 67% below 2024 and is the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €60k
Fixed assets
€17k▼ 3.7%
Current assets
€43k▼ 92.4%
Equity and liabilities €60k
Equity
€41k▼ 92.7%
Debt
€19k▲ 11.8%
The debt ratio rises from 2.8% to 31.0%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€98k▼
2024 · €294k
Cash flow
€79k▼
2024 · €226k
Solvency
69.0%▼
2024 · 97.2%
Current ratio
2.31▼
2024 · 34.15
Quick ratio
2.31▼
2024 · 34.15
Debt / equity
0.45▲
2024 · 0.03
ROE
179.9%▲
2024 · 38.7%
ROA
124.1%▲
2024 · 37.6%
Interest coverage
1260.18▲
2024 · 1009.98
Debt
€19k▲
2024 · €17k
Debt ≤ 1 year
€19k▲
2024 · €17k
Income taxes
€20k▼
2024 · €68k
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€584k€60k▼
Fixed assets21/28€18k€17k▼
Tangible fixed assets22/27€18k€17k▼
Furniture and vehicles24€7k€5k▼
Other tangible fixed assets26€11k€12k▲
Current assets29/58€566k€43k▼
Amounts receivable after more than one year29€21k-
Other amounts receivable291€21k-
Amounts receivable within one year40/41€498k€41k▼
Trade receivables40€41k€24k▼
Other amounts receivable41€457k€18k▼
Cash at bank and in hand54/58€46k€608▼
Deferred charges and accrued income490/1€896€1k▲
Equity and liabilities
Total equity and liabilities10/49€584k€60k▼
Equity10/15€567k€41k▼
Contributions10/11€3k€3k=
Profit (loss) carried forward14€564k€38k▼
Amounts payable17/49€17k€19k▲
Amounts payable within one year42/48€17k€19k▲
Trade debts44€1k€544▼
Suppliers440/4€1k€544▼
Taxes, remuneration and social security45€15k€7k▼
Taxes450/3€15k€7k▼
Other amounts payable47/48-€11k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€5k▼
Other operating charges640/8€937€837▼
Gross operating margin9900€295k€99k▼
Operating profit (loss)9901€287k€94k▼
Financial income75/76B€642€350▼
Recurring financial income75€642€350▼
Financial charges65/66B€291€78▼
Recurring financial charges65€291€78▼
Profit (loss) for the period before taxes9903€287k€94k▼
Income taxes67/77€68k€20k▼
Profit (loss) for the period9904€219k€74k▼
Profit (loss) for the period to be appropriated9905€219k€74k▼
Appropriation of the result
Profit (loss) to be appropriated9906€564k€638k▲
Profit (loss) brought forward from the previous period14P€345k€564k▲
Profit to be distributed694/7-€600k
Return on contributions (dividend)694-€600k
The notes to these accounts (5 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Weakest financial yearnet €74k ▼66.2%
Net result drops to €74k, the lowest in the series.
28-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2022net €219k ▲34.5%
Operating result €287k, net result €219k, both a record.
31-12
Financial
Equity above €500kEq €567k ▲63%
3 profitable years in a row build equity to €567k.
30-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 61 days late
2023
31-12
Financial
Liquidity times 11current ratio 31.72
Current ratio from 2.86 to 31.72; short-term debt falls from €87k to €11k.
31-12
Financial
Equity above €200kEq €348k ▲88.1%
2 profitable years in a row build equity to €348k.
24-07
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
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, Elsene · 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.
Georges Lorandstraat 161050 ElseneGround area
174 m²
Building footprint
93 m²
Volume, LiDAR
1,118 m³
Parcel 21009A0957/00K008, Brussels · tallest building 15.3 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
Georges Lorandstraat 16, 1050 Elsene
since 20222.328.682.364
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21009A0957/00K008 | Brussels | 174 m² | 1 · 93 m² | 15.3 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.
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Of 82,569 companies in sector 70200 we hold annual accounts for 52,573. 36,928 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-03-2022
Fiscal year end31-12
Activities, NACEBEL
70200Business and other management consultancy
70220Business consulting
63920Other information service activities
63990Computing infrastructure, data processing, hosting and other information service activities
82100Office administrative and support services
82110Office administrative, office support and other business support activities
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 4 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.