CTHL
ActiveCTHL has been active since 2003 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €7k and a net result of €8k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 26% of 7452 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.8% (low).
Checked score
Score 2025
61
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability99▲+49
Solvency45▲+23
Growth52=
Track record100
Bankruptcy probability, 12 months
0.8%
Low
0%0.5%1.5%4%10%≥ 25%
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 · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 41
Relative position
BE, all sectors
reference
Sector 41
higher
← fewer bankruptcies
more bankruptcies →
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
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 01-07-2026, 30 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
30 d early
2024
5 d late
2023
21 d late
2022
24 d late
2021
23 d late
2020
13 d late
2019
70 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
23-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€7k
2024 · €-2k
2018: €-18k
2019: €565
2020: €-275
2021: €-137
2022: €-13k
2023: €8k
2024: €-2k
2018 → 2025
Total assets
€34k▼ 32.9%
2024 · €51k
2018: €38k
2019: €57k
2020: €32k
2021: €27k
2022: €63k
2023: €76k
2024: €51k
2018 → 2025
Net result
€8k
2024 · €-10k
2018: €9k
2019: €18k
2020: €-840
2021: €138
2022: €-13k
2023: €21k
2024: €-10k
2018 → 2025
Working capital
€-19k▲ 60.5%
2024 · €-49k
2018: €-50k
2019: €-28k
2020: €-24k
2021: €-21k
2022: €-70k
2023: €-60k
2024: €-49k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-137-€-13k▼ 9,386%€8k€-2k€7k
Operating result€1k-€-12k€4k€-9k€9k
Net result€138-€-13k€21k€-10k€8k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €9k after a loss of €9k in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €34k
Fixed assets
€26k▼ 44.8%
Current assets
€8k▲ 109%
Equity and liabilities €34k
Equity
€7k
Debt
€27k
Debt finances 80.2% of the balance-sheet total.
Key figures and ratios
EBITDA
€30k▲
2024 · €12k
Cash flow
€30k▲
2024 · €12k
Solvency
19.8%▲
2024 · -3.0%
Current ratio
0.30▲
2024 · 0.07
Quick ratio
0.28▲
2024 · 0.07
Debt / equity
4.05▲
2024 · -34.84
ROE
122.2%
ROA
24.2%▲
2024 · -18.7%
Interest coverage
260.98▲
2024 · 102.68
Debt
€27k▼
2024 · €53k
Debt ≤ 1 year
€27k▼
2024 · €53k
Income taxes
€174▼
2024 · €178
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€51k€34k▼
Fixed assets21/28€47k€26k▼
Tangible fixed assets22/27€47k€26k▼
Land and buildings22€10k€7k▼
Plant, machinery and equipment23€20k€11k▼
Furniture and vehicles24€17k€8k▼
Financial fixed assets28€91€91=
Current assets29/58€4k€8k▲
Stocks and contracts in progress3-€470
Stocks30/36-€470
Amounts receivable within one year40/41€531€4k▲
Trade receivables40-€3k
Other amounts receivable41€531€803▲
Cash at bank and in hand54/58€2k€3k▲
Deferred charges and accrued income490/1€1k€967▼
Equity and liabilities
Total equity and liabilities10/49€51k€34k▼
Equity10/15€-2k€7k▲
Contributions10/11€19k€19k=
Reserves13€667€667=
Distributable reserves133€667€667=
Profit (loss) carried forward14€-21k€-12k▲
Amounts payable17/49€53k€27k▼
Amounts payable within one year42/48€53k€27k▼
Trade debts44€2k€90▼
Suppliers440/4€2k€90▼
Taxes, remuneration and social security45€587€351▼
Taxes450/3€587€351▼
Other amounts payable47/48€50k€27k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€21k€22k▲
Other operating charges640/8€799€819▲
Gross operating margin9900€13k€31k▲
Operating profit (loss)9901€-9k€9k▲
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€118€115▼
Recurring financial charges65€118€115▼
Profit (loss) for the period before taxes9903€-9k€8k▲
Income taxes67/77€178€174▼
Profit (loss) for the period9904€-10k€8k▲
Profit (loss) for the period to be appropriated9905€-10k€8k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-21k€-12k▲
Profit (loss) brought forward from the previous period14P€-11k€-21k▼
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
01-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Back to profitnet €8k
Net result €8k after one loss-making year.
05-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 5 days late
2024
21-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 21 days late
2023
31-12
Financial
Back to profitnet €21k
Net result €21k after one loss-making year.
24-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 24 days late
2022
31-12
Financial
Weakest financial yearnet €-13k ▼9465%
Net result drops to €-13k, the lowest in the series; recovery starts the following year.
23-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 23 days late
2021
31-12
Financial
Back to profitnet €138
Net result €138 after one loss-making year.
13-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 13 days late
2020
09-10
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 70 days late
2019
02-08
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 2 days late
2018
25-09
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 56 days late
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
1 act for this company is 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, Braine-le-Comte · 1 establishment unit since 2003
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.
Chemin aux Gîtes 1217090 Braine-le-ComteGround area
1,271 m²
Building footprint
133 m²
Parcel 55004A0126/00F000, Wallonia. Linked by address, not a title deed.
1 establishment unit
Chemin aux Gîtes 121, 7090 Braine-le-Comte
since 20032.126.872.973
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 55004A0126/00F000 | Wallonia | 1,271 m² | 1 · 133 m² | - |
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
ESTA BUILD
BE 1016.852.582
Beersel · Eq €7k
GODENI CONSTRUCT
BE 0766.683.446
Namur · Eq €7k
UPGRADE PROJECTS
BE 0897.128.749
Kortrijk · Eq €7k
Miralli Group
BE 0801.032.631
Riemst · Eq €7k
PEG CONSTRUCT
BE 1002.751.356
Grimbergen · Eq €7k
Of 29,801 companies in sector 41001 we hold annual accounts for 16,050. 7,694 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-03-2003
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
45211
43110Demolition
43350Other building finishing work
45111
Sources
Crossroads Bank for EnterprisesNational Bank · 23 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.
Contact details
2 entriesPhone:067/33.19.14
Fax:067/33.19.14