CTG
ActiveCTG has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €338k and a net result of €16k. Equity is growing by ~8.6% per year across the filed fiscal years. Its solvency ranks better than 32% of 9183 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).
Checked score
Score 2025
55
/ 100
Fair
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability46▼-28
Solvency38▼-17
Growth78=
Track record100
Bankruptcy probability, 12 months
0.6%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €18k at 30 days acceptable
Liquidity ample (current ratio 8.26 against 1.09 in 2024; short-term debt: 8.2% and cash: 0.1% of total assets), but 87% 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
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 · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← 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
13%
Return on assets
0.6%
Age of the figures
17 mo
neutral · Filed after the deadline
The financial year that closed on 30-04-2025 was due by 30-11-2025 and was filed on 02-12-2025, 2 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 · 5 filingsDeviation from the deadline
2025
2 d late
2024
2 d late
2023
22 d late
2022
6 d late
2021
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 30-04-2026 and is due by 30-11-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-04-2026 close22-09-2026 today30-11-2026 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€338k▲ 5.0%
2024 · €322k
2021: €251k
2022: €263k
2023: €286k
2024: €322k
2021 → 2025
Total assets
€2.61M▲ 146%
2024 · €1.06M
2021: €536k
2022: €537k
2023: €759k
2024: €1.06M
2021 → 2025
Net result
€16k▼ 66.2%
2024 · €48k
2021: €1k
2022: €2k
2023: €23k
2024: €48k
2021 → 2025
Working capital
€1.55M▲ 3,146%
2024 · €48k
2021: €-25k
2022: €-23k
2023: €1k
2024: €48k
2021 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€251k-€263k▲ 4.5%€286k▲ 8.7%€322k▲ 12.7%€338k▲ 5.0%
Operating result€16k-€14k▼ 11.7%€34k▲ 146%€66k▲ 93.0%€25k▼ 62.5%
Net result€1k-€2k▲ 27.0%€23k▲ 1,237%€48k▲ 108%€16k▼ 66.2%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 62% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.61M
Fixed assets
€848k▲ 81.0%
Current assets
€1.76M▲ 197%
Equity and liabilities €2.61M
Equity
€338k▲ 5.0%
Debt
€2.27M▲ 207%
The debt ratio rises from 69.6% to 87.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€31k▼
2024 · €77k
Cash flow
€22k▼
2024 · €59k
Solvency
13.0%▼
2024 · 30.4%
Current ratio
8.26▲
2024 · 1.09
Quick ratio
0.83▲
2024 · 0.07
Debt / equity
6.72▲
2024 · 2.29
ROE
4.8%▼
2024 · 14.8%
ROA
0.6%▼
2024 · 4.5%
Interest coverage
3.21▼
2024 · 15.25
Debt
€2.27M▲
2024 · €738k
Debt ≤ 1 year
€213k▼
2024 · €544k
Debt > 1 year
€2.06M▲
2024 · €191k
Income taxes
€-861▼
2024 · €13k
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€1.06M€2.61M▲
Formation expenses20€71€0▼
Fixed assets21/28€468k€848k▲
Intangible fixed assets21-€4k
Tangible fixed assets22/27€468k€843k▲
Land and buildings22€468k€843k▲
Current assets29/58€591k€1.76M▲
Stocks and contracts in progress3€555k€1.58M▲
Stocks30/36€555k€1.58M▲
Amounts receivable within one year40/41€36k€176k▲
Trade receivables40€35k€153k▲
Other amounts receivable41€600€22k▲
Cash at bank and in hand54/58€0€2k▲
Deferred charges and accrued income490/1€351€0▼
Equity and liabilities
Total equity and liabilities10/49€1.06M€2.61M▲
Equity10/15€322k€338k▲
Contributions10/11€250k€250k=
Revaluation surpluses12€0-
Reserves13€72k€88k▲
Distributable reserves133€72k€88k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€738k€2.27M▲
Amounts payable after more than one year17€191k€2.06M▲
Financial debts170/4€191k€2.06M▲
Amounts payable within one year42/48€544k€213k▼
Current portion of amounts payable after more than one year42€11k€23k▲
Financial debts43€245k€165k▼
Credit institutions430/8€245k€165k▼
Trade debts44€7k€0▼
Suppliers440/4€7k€0▼
Taxes, remuneration and social security45€23k€24k▲
Taxes450/3€23k€24k▲
Other amounts payable47/48€258k€0▼
Accrued charges and deferred income492/3€3k€0▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€6k▼
Other operating charges640/8€2k€75▼
Non-recurring operating charges66A-€2k
Gross operating margin9900€78k€32k▼
Operating profit (loss)9901€66k€25k▼
Financial income75/76B-€169
Recurring financial income75-€169
Financial charges65/66B€5k€10k▲
Recurring financial charges65€5k€10k▲
Profit (loss) for the period before taxes9903€61k€15k▼
Income taxes67/77€13k€-861▼
Profit (loss) for the period9904€48k€16k▼
Profit (loss) for the period to be appropriated9905€48k€16k▼
Appropriation of the result
Profit (loss) to be appropriated9906€48k€16k▼
Profit (loss) brought forward from the previous period14P€860€0▼
Transfer to equity691/2€47k€16k▼
To other reserves6921€47k€16k▼
Profit to be distributed694/7€2k€0▼
Return on contributions (dividend)694€2k€0▼
Social balance
Average headcount (FTE)9087-0.0
The notes to these accounts (20 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
02-12
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 2 days late
30-04
Financial
Liquidity times 8current ratio 8.26
Current ratio from 1.09 to 8.26; short-term debt falls from €544k to €213k.
2024
02-12
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 2 days late
30-04
Financial
Highest result since 2021net €48k ▲108%
Operating result €66k, net result €48k, both a record.
2023
22-12
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 22 days late
2022
06-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 6 days late
2021
30-11
NBB filing
Annual accounts filed
fiscal year 2021 · 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, Oostende · 1 establishment unit since 2019
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.
Torhoutsesteenweg 2228400 OostendeGround area
150 m²
Building footprint
150 m²
Volume, LiDAR
3,015 m³
Parcel 35383C0351/00T003, Flanders · tallest building 24.2 m, ±7 floors. Linked by address, not a title deed.
1 establishment unit
Torhoutsesteenweg 222, 8400 Oostende
since 20192.293.119.194
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35383C0351/00T003 | Flanders | 150 m² | 1 · 150 m² | 24.2 m · 7 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
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SOVESTIMMO
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IMMO C.C.
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JeKri
BE 0882.823.328
Puurs-Sint-Amands · Eq €339k
Of 7,321 companies in sector 68110 we hold annual accounts for 5,382. 3,825 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded05-09-2019
Fiscal year end30-04
Activities, NACEBEL
68110Buying and selling of own real estate
68121Development of residential building projects
55204Guest rooms (bed and breakfast)
68201Renting and operating of own or leased residential real estate, excluding social housing
68203Renting and operating of own or leased non-residential real estate, excluding land
Sources
Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers
Data from official sources, last processed on 22-09-2026. Scores and ratios are computed by Checked and are not a credit decision.