Summary
CTL.BE is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €8.11M and a net result of €-9k. Equity remains stable across the filed fiscal years (±2% per year). Its solvency ranks better than 95% of 8048 sector peers (fiscal year 2025). The company has been active since 2017 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit check for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-07-2025 was due by 28-02-2026 and was filed on 23-01-2026, 36 days ahead of the deadline.
NBB · 8 filingsDeviation from the deadline
2025
36 d early
2024
32 d early
2023
70 d early
2022
41 d early
2021
75 d early
2020
47 d early
2019
75 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-07-2026 and is due by 28-02-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-07-2026 close25-09-2026 today28-02-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€8.11M▼ 0.1%
2024 · €8.12M
Net result
€-9k▼ 70.1%
2024 · €-5k
Total assets
€8.12M▼ 0.1%
2024 · €8.13M
Solvency
99.8%=
2024 · 99.8%
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€-2k▲ 29.9%€-3k▼ 30.2%€-2k▲ 22.3%€-9k▼ 270%€-9k▼ 2.9%
Net result€-2k▲ 28.4%€417k€386k▼ 7.3%€-5k€-9k▼ 70.1%
Equity€7.32M=€7.74M▲ 5.7%€8.13M▲ 5.0%€8.12M▼ 0.1%€8.11M▼ 0.1%
Total assets€7.33M=€7.78M▲ 6.3%€8.17M▲ 5.0%€8.13M▼ 0.5%€8.12M▼ 0.1%
Debt€4k▲ 114%€46k▲ 962%€48k▲ 4.3%€14k▼ 71.8%€14k▲ 1.1%
Working capital€1.35M▼ 0.2%€1.76M▲ 31.0%€2.15M▲ 21.9%€2.14M▼ 0.3%€2.13M▼ 0.4%
Solvency99.9%=99.4%▼ 0.5pp99.4%=99.8%▲ 0.4pp99.8%=
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €9k in 2025 against €9k in 2024; the loss grows and 2025 has the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €8.12M
Fixed assets
€5.98M =
Current assets
€2.15M ▼ 0.4%
Equity and liabilities €8.12M
Equity
€8.11M ▼ 0.1%
Debt
€14k ▲ 1.1%
Debt's share of the balance-sheet total stays at 0.2%.
Key figures and ratios
ROE
-0.1%▼
2024 · -0.1%
ROA
-0.1%▼
2024 · -0.1%
Debt ≤ 1 year
€14k▲
2024 · €14k
A ratio outside any meaningful range has been withheld (balance sheet total €8.12M, equity €8.11M).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Other operating charges640/8 | - | - | - | €3k | €4k | ▲ 30.9% |
| Gross operating margin9900 | €-2k | €-3k | €-2k | €-6k | €-5k | ▲ 10.8% |
| Operating profit (loss)9901 | €-2k | €-3k | €-2k | €-9k | €-9k | ▼ 2.9% |
| Financial income75/76B | - | €464k | €431k | €4k | €0 | ▼ 100% |
| Recurring financial income75 | - | €464k | €431k | €4k | €0 | ▼ 100% |
| Financial charges65/66B | - | €3k | €3k | €587 | €269 | ▼ 54.1% |
| Recurring financial charges65 | €151 | €3k | €3k | €587 | €269 | ▼ 54.1% |
| Profit (loss) for the period before taxes9903 | €-2k | €458k | €425k | €-5k | €-9k | ▼ 70.1% |
| Income taxes67/77 | - | €42k | €39k | €0 | - | - |
| Profit (loss) for the period9904 | €-2k | €417k | €386k | €-5k | €-9k | ▼ 70.1% |
| Profit (loss) for the period to be appropriated9905 | €-2k | €417k | €386k | €-5k | €-9k | ▼ 70.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €7.33M | €7.78M | €8.17M | €8.13M | €8.12M | ▼ 0.1% |
| Fixed assets21/28 | €5.98M | €5.98M | €5.98M | €5.98M | €5.98M | = |
| Financial fixed assets28 | €5.98M | €5.98M | €5.98M | €5.98M | €5.98M | = |
| Current assets29/58 | €1.35M | €1.81M | €2.20M | €2.16M | €2.15M | ▼ 0.4% |
| Current investments50/53 | €1.29M | €1.76M | €1.76M | €2.14M | €2.14M | = |
| Cash at bank and in hand54/58 | €59k | €44k | €433k | €14k | €5k | ▼ 63.2% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €7.33M | €7.78M | €8.17M | €8.13M | €8.12M | ▼ 0.1% |
| Equity10/15 | €7.32M | €7.74M | €8.13M | €8.12M | €8.11M | ▼ 0.1% |
| Contributions10/11 | - | €3.21M | €3.21M | €3.21M | €3.21M | = |
| Reserves13 | €8k | €425k | €811k | €4.91M | €4.90M | ▼ 0.2% |
| Distributable reserves133 | - | €425k | €811k | €4.91M | €4.90M | ▼ 0.2% |
| Profit (loss) carried forward14 | €4.11M | €4.11M | €4.11M | €0 | - | - |
| Amounts payable17/49 | €4k | €46k | €48k | €14k | €14k | ▲ 1.1% |
| Amounts payable within one year42/48 | €4k | €46k | €48k | €14k | €14k | ▲ 1.1% |
| Trade debts44 | - | - | - | - | €66 | - |
| Suppliers440/4 | - | - | - | - | €66 | - |
| Taxes, remuneration and social security45 | - | €42k | €39k | €0 | - | - |
| Taxes450/3 | - | €42k | €39k | €0 | - | - |
| Other amounts payable47/48 | - | €4k | €9k | €14k | €14k | ▲ 0.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €-2k | €417k | €386k | €-5k | €-9k | ▼ 70.1% |
| Operating cash flow (approximation) | €-2k | €417k | €386k | €-5k | €-9k | ▼ 70.1% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
| Change in cash | - | €-15k | €388k | €-419k | €-9k | ▲ 97.8% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
23-01
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-07
Financial
Weakest financial yearnet €-9k
Net result drops to €-9k, the lowest in the series.
27-01
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-07
Financial
Liquidity triplescurrent ratio 159.24
Current ratio from 45.80 to 159.24; short-term debt falls from €48k to €14k.
2023
21-12
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
18-01
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
31-07
Financial
Back to profitnet €417k
Net result €417k after 3 loss-making years.
2021
15-12
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
12-01
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2019
16-12
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2018
14-12
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 4 acts read
About the unread acts
We know of 4 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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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, Tournai · 1 establishment unit since 2017
Ground area
921 m²
Building footprint
110 m²
Volume, LiDAR
997 m³
Parcel 57078D0452/00N000, Wallonia · tallest building 11.0 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
CTL.BE
since 20172.273.000.604
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 57078D0452/00N000 | Wallonia | 921 m² | 1 · 110 m² | 11.0 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
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
699400427Q35LXTKE041
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Of 24,730 companies in sector 64210 we hold annual accounts for 19,766. 6,645 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded30-11-2017
Fiscal year end31-07
Activities, NACEBEL 2025
64210Activities of holding companies
Scores and ratios are computed by Checked and are not a credit decision.