CORTOOS K.
ActiveCORTOOS K. has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €100k and a net result of €12k. Equity is growing by ~7.9% per year across the filed fiscal years. Its solvency ranks better than 57% of 4488 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
94
/ 100
Excellent▲ +7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability57▲+13
Solvency91▲+9
Growth78▲+26
Stability100
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €9k at 30 days acceptable
Liquidity ample (current ratio 2.07 against 1.79 in 2024), but 53.7% 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
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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
46.3%
Return on assets
5.3%
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 26-08-2026, 26 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
26 d late
2024
27 d late
2023
29 d late
2022
31 d late
2021
2 d early
2020
31 d late
2019
49 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
€100k▲ 13.0%
2024 · €89k
2018: €56k
2019: €60k
2020: €72k
2021: €80k
2022: €82k
2023: €81k
2024: €89k
2018 → 2025
Total assets
€217k▲ 2.8%
2024 · €211k
2018: €71k
2019: €79k
2020: €82k
2021: €85k
2022: €86k
2023: €105k
2024: €211k
2018 → 2025
Net result
€12k▲ 48.2%
2024 · €8k
2018: €10k
2019: €4k
2020: €12k
2021: €9k
2022: €2k
2023: €-1k
2024: €8k
2018 → 2025
Working capital
€68k▲ 36.8%
2024 · €50k
2018: €34k
2019: €44k
2020: €67k
2021: €61k
2022: €64k
2023: €62k
2024: €50k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€80k-€82k▲ 1.9%€81k▼ 1.2%€89k▲ 9.6%€100k▲ 13.0%
Operating result€13k-€6k▼ 54.4%€2k▼ 74.0%€16k▲ 963%€21k▲ 26.2%
Net result€9k-€2k▼ 81.8%€-1k€8k€12k▲ 48.2%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
After the dip in 2023 the operating result has climbed two years in a row; 2025 is 26% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €217k
Fixed assets
€85k▼ 13.4%
Current assets
€132k▲ 16.8%
Equity and liabilities €217k
Equity
€100k▲ 13.0%
Debt
€116k▼ 4.6%
The debt ratio falls from 57.9% to 53.7%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€36k▲
2024 · €30k
Cash flow
€26k▲
2024 · €21k
Solvency
46.3%▲
2024 · 42.1%
Current ratio
2.07▲
2024 · 1.79
Quick ratio
1.43▲
2024 · 1.36
Debt / equity
1.16▼
2024 · 1.38
ROE
11.5%▲
2024 · 8.8%
ROA
5.3%▲
2024 · 3.7%
Interest coverage
10.16▲
2024 · 8.99
Debt
€116k▼
2024 · €122k
Debt ≤ 1 year
€64k▲
2024 · €63k
Debt > 1 year
€53k▼
2024 · €59k
Income taxes
€6k▲
2024 · €5k
Staff costs
€22k▲
2024 · €21k
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€211k€217k▲
Fixed assets21/28€98k€85k▼
Tangible fixed assets22/27€98k€85k▼
Land and buildings22€65k€61k▼
Plant, machinery and equipment23€28k€22k▼
Furniture and vehicles24€1k-
Leasing and similar rights25€4k€1k▼
Current assets29/58€113k€132k▲
Stocks and contracts in progress3€27k€41k▲
Stocks30/36€27k€41k▲
Amounts receivable within one year40/41€36k€23k▼
Trade receivables40€28k€19k▼
Other amounts receivable41€8k€4k▼
Cash at bank and in hand54/58€38k€62k▲
Deferred charges and accrued income490/1€12k€7k▼
Equity and liabilities
Total equity and liabilities10/49€211k€217k▲
Equity10/15€89k€100k▲
Contributions10/11€89k€89k=
Reserves13-€12k
Distributable reserves133-€12k
Profit (loss) carried forward14€127€127=
Amounts payable17/49€122k€116k▼
Amounts payable after more than one year17€59k€53k▼
Financial debts170/4€59k€53k▼
Amounts payable within one year42/48€63k€64k▲
Current portion of amounts payable after more than one year42€6k€6k▲
Trade debts44€11k€7k▼
Suppliers440/4€11k€7k▼
Taxes, remuneration and social security45€4k€8k▲
Taxes450/3€632€5k▲
Remuneration and social security454/9€3k€4k▲
Other amounts payable47/48€42k€43k▲
Income statement
Code20242025
Remuneration, social security and pensions62€21k€22k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€15k▲
Other operating charges640/8€4k€4k▲
Gross operating margin9900€55k€62k▲
Operating profit (loss)9901€16k€21k▲
Financial income75/76B€187€18▼
Recurring financial income75€166€18▼
Non-recurring financial income76B€21-
Financial charges65/66B€3k€4k▲
Recurring financial charges65€3k€4k▲
Profit (loss) for the period before taxes9903€13k€17k▲
Income taxes67/77€5k€6k▲
Profit (loss) for the period9904€8k€12k▲
Profit (loss) for the period to be appropriated9905€8k€12k▲
Appropriation of the result
Profit (loss) to be appropriated9906€127€12k▲
Profit (loss) brought forward from the previous period14P€-8k€127▲
Transfer to equity691/2-€12k
To other reserves6921-€12k
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
26-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 26 days late
2025
31-12
Financial
Equity above €100kEq €100k ▲13%
2 profitable years in a row build equity to €100k.
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
29-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 29 days late
2023
31-12
Financial
Weakest financial yearnet €-1k ▼165%
Net result drops to €-1k, the lowest in the series; recovery starts the following year.
31-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 31 days late
2022
29-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 31 days late
2020
31-12
Financial
Highest result since 2018net €12k ▲231%
Net result €12k, the highest in the series.
31-12
Financial
Liquidity triplescurrent ratio 9.74
Current ratio from 3.62 to 9.74; short-term debt falls from €17k to €8k.
18-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 49 days late
2019
29-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 29 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 31 days late
2017
31-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Lubbeek · 1 establishment unit since 1999
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.
Terkeyen(LUB) 123210 LubbeekGround area
939 m²
Building footprint
158 m²
Volume, LiDAR
733 m³
Parcel 24066E0266/00V000, Flanders · tallest building 8.6 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
CORTOOS A.
since 19992.091.905.661
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24066E0266/00V000 | Flanders | 939 m² | 1 · 157 m² | 8.6 m · 1 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.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 4 entries · 348 EUR awarded · 348 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 59 EUR | 59 EUR |
| 2024 | 1 | 59 EUR | 59 EUR |
| 2023 | 1 | 56 EUR | 56 EUR |
| 2022 | 1 | 174 EUR | 174 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Food safety, FASFC
1 siteLubbeek2.091.905.661
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Of 1,329 companies in sector 47762 we hold annual accounts for 479. 384 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded07-06-1999
Fiscal year end31-12
Activities, NACEBEL
47762Retail sale of pets, pet food and pet supplies
49410Freight transport by road
47521Retail sale of hardware, building materials, paint and glass (general range)
47761Retail sale of flowers, plants, seeds and fertilisers
47781Retail sale of solid, liquid and gaseous fuels, excluding motor fuels
52461
52481
52483
Sources
Crossroads Bank for EnterprisesNational Bank · 26 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.