CORTY SERVICES
ActiveCORTY SERVICES has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €335k and a net result of €-54k. Equity remains stable across the filed fiscal years (±0.1% per year). Its solvency ranks better than 65% of 18040 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.3% (low).
Checked score
Score 2025
58
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability43▲+24
Solvency77=
Growth32▼-20
Track record100
Bankruptcy probability, 12 months
1.3%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €19k at 30 days acceptable
Liquidity tight (current ratio 1.28 against 1.18 in 2024; short-term debt: 26.3% and cash: 0.9% of total assets), and 47.9% 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.
+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 47
Relative position
BE, all sectors
reference
Sector 47
higher
← fewer bankruptcies
more bankruptcies →
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 · 10 filingsDeviation from the deadline
2025
31 d late
2024
25 d late
2023
30 d late
2022
18 d late
2021
25 d late
2020
25 d late
2019
89 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
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Turnover
€0
EBIT margin
Not included in this filing
Net result
€-54k
2024 · €3k
2018: €46k
2019: €46k
2020: €11k
2021: €-20k
2022: €-49
2023: €14k
2024: €3k
2018 → 2025
Working capital
€47k▼ 14.4%
2024 · €55k
2018: €-47k
2019: €-864k
2020: €-838k
2021: €-849k
2022: €-831k
2023: €22k
2024: €55k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€373k-€373k=€387k▲ 3.6%€390k▲ 0.7%€335k▼ 14.0%
Operating result€-14k-€12k€70k▲ 460%€-61k€-60k▲ 2.1%
Net result€-20k-€-49▲ 99.8%€14k€3k▼ 79.4%€-54k
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €60k in 2025 against €61k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €644k
Fixed assets
€428k▲ 12.4%
Current assets
€216k▼ 40.8%
Equity and liabilities €644k
Equity
€335k▼ 14.0%
Provisions
€43k▼ 6.2%
Debt
€266k▼ 14.3%
The debt ratio falls from 41.6% to 41.3%. Equity and debt are lower.
Key figures and ratios
EBITDA
€7k▲
2024 · €-7k
Cash flow
€13k▼
2024 · €57k
Solvency
52.1%▼
2024 · 52.3%
Current ratio
1.28▲
2024 · 1.18
Quick ratio
1.28▲
2024 · 1.18
Debt / equity
0.79▼
2024 · 0.80
ROE
-16.2%▼
2024 · 0.7%
ROA
-8.5%▼
2024 · 0.4%
Interest coverage
4.19▲
2024 · -11.26
Debt
€266k▼
2024 · €310k
Debt ≤ 1 year
€169k▼
2024 · €310k
Debt > 1 year
€96k▲
2024 · €0
Income taxes
€516▼
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€745k€644k▼
Fixed assets21/28€380k€428k▲
Intangible fixed assets21€135k€108k▼
Tangible fixed assets22/27€245k€319k▲
Land and buildings22€6k€108k▲
Plant, machinery and equipment23€16k€13k▼
Furniture and vehicles24€8k€3k▼
Other tangible fixed assets26€215k€195k▼
Financial fixed assets28€363€363=
Current assets29/58€365k€216k▼
Amounts receivable after more than one year29€334k€198k▼
Other amounts receivable291€334k€198k▼
Amounts receivable within one year40/41€10k€3k▼
Trade receivables40€5k€3k▼
Other amounts receivable41€5k€7▼
Cash at bank and in hand54/58€9k€6k▼
Deferred charges and accrued income490/1€12k€9k▼
Equity and liabilities
Total equity and liabilities10/49€745k€644k▼
Equity10/15€390k€335k▼
Contributions10/11€19k€19k=
Reserves13€357k€317k▼
Non-distributable reserves130/1€15k€15k=
Reserves not available under the articles1311€15k€15k=
Tax-exempt reserves132€137k€128k▼
Distributable reserves133€205k€173k▼
Profit (loss) carried forward14€14k€0▼
Provisions and deferred taxes16€46k€43k▼
Deferred taxes168€46k€43k▼
Amounts payable17/49€310k€266k▼
Amounts payable after more than one year17€0€96k▲
Financial debts170/4€0€96k▲
Amounts payable within one year42/48€310k€169k▼
Current portion of amounts payable after more than one year42€12k€5k▼
Trade debts44€6k€9k▲
Suppliers440/4€6k€9k▲
Taxes, remuneration and social security45€7k€4k▼
Taxes450/3€7k€4k▼
Other amounts payable47/48€283k€151k▼
Accrued charges and deferred income492/3-€1k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€55k€67k▲
Other operating charges640/8€10k€7k▼
Non-recurring operating charges66A€1k€0▼
Gross operating margin9900€5k€14k▲
Operating profit (loss)9901€-61k€-60k▲
Financial income75/76B€64k€5k▼
Recurring financial income75€64k€5k▼
Financial charges65/66B€603€2k▲
Recurring financial charges65€603€2k▲
Profit (loss) for the period before taxes9903€2k€-57k▼
Transfer from deferred taxes780€3k€3k▲
Transfer to deferred taxes680€0-
Income taxes67/77€2k€516▼
Profit (loss) for the period9904€3k€-54k▼
Transfer from tax-exempt reserves789€8k€9k▲
Transfer to tax-exempt reserves689€474€0▼
Profit (loss) for the period to be appropriated9905€10k€-45k▼
Appropriation of the result
Profit (loss) to be appropriated9906€24k€-31k▼
Profit (loss) brought forward from the previous period14P€14k€14k=
Transfer from equity791/2-€31k
Transfer to equity691/2€10k€0▼
To other reserves6921€10k€0▼
The notes to these accounts (17 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 €-54k ▼2044%
Net result drops to €-54k, the lowest in the series.
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
30-08
NBB filing
Annual accounts filed
fiscal year 2023 · full schema · 30 days late
2023
31-12
Financial
Back to profitnet €14k
Net result €14k after 2 loss-making years.
31-12
Financial
Liquidity times 21current ratio 1.06
Current ratio from 0.05 to 1.06; short-term debt falls from €875k to €348k.
18-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 18 days late
2022
25-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 25 days late
2021
25-08
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 25 days late
2020
28-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 89 days late
2019
31-12
Financial
Highest result since 2018net €46k ▲0.2%
Net result €46k, the highest in the series.
28-08
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 28 days late
2018
19-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 30 days late
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, Ferrières · 2 establishment units since 2016
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.
Aux Cortyls 134190 FerrièresGround area
2,961 m²
Building footprint
420 m²
Volume, LiDAR
2,036 m³
2 parcels, Wallonia · tallest building 7.2 m, ±2 floors. Linked by address, not a title deed.
2 establishment units
CORTY SERVICES
since 20162.287.370.262
Le centre-ville
since 20252.374.561.681
2 parcels
Wallonia
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 61313B0303/00L002 | Wallonia | 1,508 m² | 1 · 226 m² | 5.5 m · 1 fl. |
| 61313B0216/00C002 | Wallonia | 1,453 m² | 1 · 194 m² | 7.2 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
JD Média
BE 0760.606.890
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IBO FRUIT
BE 0844.345.309
Genk · Eq €335k
B-CONNECTED
BE 0466.663.040
Aalst · Eq €335k
COOREVITS LIFTSERVICE
BE 0643.608.163
Kortrijk · Eq €336k
COOLFOODS
BE 0525.741.087
Destelbergen · Eq €336k
Of 12,979 companies in sector 47120 we hold annual accounts for 2,186. 1,230 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company (pre-2019)
Founded18-10-2016
Fiscal year end31-12
Activities, NACEBEL
47120Other non-specialised retail sale
47191Retail trade
68201Renting and operating of own or leased residential real estate, excluding social housing
Sources
Crossroads Bank for EnterprisesNational Bank · 10 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.