CSP LOISIRS
ActiveThe computed 12-month bankruptcy probability of CSP LOISIRS is 1.5% (moderate). The 2025 annual accounts show equity of €497k and a net result of €-3k. Equity is growing by ~29.7% per year across the filed fiscal years. Its solvency ranks better than 85% of 1303 sector peers (fiscal year 2025). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
60
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability18▲+4
Solvency94▼-6
Growth78▲+26
Track record94
Bankruptcy probability, 12 months
1.5%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €25k at 30 days acceptable
Liquidity tight (current ratio 1.48 against 6.01 in 2024; short-term debt: 30.6% and cash: 23.1% of total assets), and 30.6% 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.
+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
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 55
Relative position
BE, all sectors
reference
Sector 55
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
22232425
2022 to 2025 · latest year €-3k
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 17-12-2025, 45 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
45 d early
2024
70 d early
2023
54 d early
2022
64 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close22-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€497k▼ 0.6%
2024 · €500k
2022: €100k
2023: €374k
2024: €500k
2022 → 2025
Total assets
€716k▲ 23.9%
2024 · €578k
2022: €121k
2023: €440k
2024: €578k
2022 → 2025
Net result
€-3k▲ 86.8%
2024 · €-24k
2022: €-20k
2023: €-26k
2024: €-24k
2022 → 2025
Working capital
€105k▼ 72.9%
2024 · €389k
2022: €-16k
2023: €254k
2024: €389k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€100k-€374k▲ 273%€500k▲ 33.8%€497k▼ 0.6%
Operating result€-20k-€-25k▼ 23.9%€-24k▲ 1.5%€-8k▲ 65.2%
Net result€-20k-€-26k▼ 31.7%€-24k▲ 9.4%€-3k▲ 86.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €8k in 2025 against €24k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €713k
Fixed assets
€389k▲ 263%
Current assets
€324k▼ 30.5%
Equity and liabilities €716k
Equity
€497k▼ 0.6%
Debt
€219k▲ 182%
The debt ratio rises from 13.4% to 30.6%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-7k▲
2024 · €-8k
Cash flow
€-2k▲
2024 · €-8k
Solvency
69.4%▼
2024 · 86.6%
Current ratio
1.48▼
2024 · 6.01
Quick ratio
1.48▼
2024 · 6.01
Debt / equity
0.44▲
2024 · 0.16
ROE
-0.6%▲
2024 · -4.7%
ROA
-0.4%▲
2024 · -4.1%
Interest coverage
-86.17▼
2024 · -61.42
Debt
€219k▲
2024 · €78k
Debt ≤ 1 year
€219k▲
2024 · €78k
Income taxes
€2k▲
2024 · €294
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€578k€716k▲
Formation expenses20€4k€3k▼
Fixed assets21/28€107k€389k▲
Tangible fixed assets22/27€107k€388k▲
Land and buildings22€85k€85k=
Assets under construction and advance payments27€22k€303k▲
Financial fixed assets28-€500
Current assets29/58€467k€324k▼
Amounts receivable within one year40/41€3k€9k▲
Trade receivables40€2k€3k▲
Other amounts receivable41€1k€6k▲
Current investments50/53€150k€150k=
Cash at bank and in hand54/58€314k€165k▼
Equity and liabilities
Total equity and liabilities10/49€578k€716k▲
Equity10/15€500k€497k▼
Contributions10/11€570k€570k=
Capital10-€570k
Issued capital100-€570k
Profit (loss) carried forward14€-70k€-73k▼
Amounts payable17/49€78k€219k▲
Amounts payable within one year42/48€78k€219k▲
Trade debts44-€15k
Suppliers440/4-€15k
Other amounts payable47/48€78k€204k▲
Income statement
Code20242025
Goods, raw materials, services and sundry goods60/61€8k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€1k▼
Other operating charges640/8-€387
Gross operating margin9900€-8k€-7k▲
Operating profit (loss)9901€-24k€-8k▲
Financial income75/76B€980€8k▲
Recurring financial income75€980€8k▲
Financial charges65/66B€133€86▼
Recurring financial charges65€133€86▼
Profit (loss) for the period before taxes9903€-23k€-815▲
Income taxes67/77€294€2k▲
Profit (loss) for the period9904€-24k€-3k▲
Profit (loss) for the period to be appropriated9905€-24k€-3k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-70k€-73k▼
Profit (loss) brought forward from the previous period14P€-46k€-70k▼
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
2025
17-12
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2024
22-11
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
30-06
Financial
Equity above €500kEq €500k ▲33.8%
Equity rises from €374k to €500k.
2023
08-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
30-06
Financial
Weakest financial yearnet €-26k
Net result drops to €-26k, the lowest in the series; recovery starts the following year.
30-06
Financial
Liquidity times 23current ratio 4.85
Current ratio from 0.21 to 4.85.
30-06
Financial
Equity above €200kEq €374k ▲273%
Equity rises from €100k to €374k.
2022
28-11
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
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, Fleurus · 1 establishment unit since 2021
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 Henri Danvoie(L) 396220 FleurusGround area
1,854 m²
Building footprint
156 m²
Volume, LiDAR
886 m³
Parcel 52036A0181/00Z000, Wallonia · tallest building 7.5 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CSP LOISIRS
since 20212.319.207.840
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52036A0181/00Z000 | Wallonia | 1,854 m² | 1 · 156 m² | 7.5 m · 2 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.
Recognitions · licences · registrations
Legal Entity Identifier
699400KPAQ09GRNWYE53
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Of 732 companies in sector 55209 we hold annual accounts for 208. 121 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded25-06-2021
Fiscal year end30-06
Activities, NACEBEL
55209Other holiday and short-stay accommodation
55900Accommodation
82300Organisation of conventions and trade shows
93299Other amusement and recreation activities
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.