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CTL.BE

Active Risk: not assessed
Private limited companyfounded 20178 yrs activeRue Estafflers(TEM) 1/A, 7520 Tournai, BelgiumKBO/BCE: BE 0685.522.655
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 €8.1m and a net result of -€9,182. Equity remains stable across the filed fiscal years (±2% per year). Its solvency ranks better than 95% of 8074 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 Checked 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.
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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 filings
Deviation 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 →
tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 54 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.

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 months
Position in the running window
31-07-2026 close27-09-2026 today28-02-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

On 30 November 2017, CTL.BE was incorporated.1 Total assets went from EUR 7.3 million in 2019 to EUR 8.1 million in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2019 and 2025

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Financials · fiscal year 2025, micro schema

Equity
€8.1m▼ 0.1%
2024 · €8.1m
Net result
-€9,182▼ 70.1%
2024 · -€5,399
Total assets
€8.1m▼ 0.1%
2024 · €8.1m
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-€2,312▲ 29.9%-€3,010▼ 30.2%-€2,338▲ 22.3%-€8,659▼ 270%-€8,912▼ 2.9%
Net result-€2,463▲ 28.4%€416,709€386,484▼ 7.3%-€5,399-€9,182▼ 70.1%
Equity€7.3m=€7.7m▲ 5.7%€8.1m▲ 5.0%€8.1m▼ 0.1%€8.1m▼ 0.1%
Total assets€7.3m=€7.8m▲ 6.3%€8.2m▲ 5.0%€8.1m▼ 0.5%€8.1m▼ 0.1%
Debt€4,332▲ 114%€46,003▲ 962%€47,981▲ 4.3%€13,550▼ 71.8%€13,701▲ 1.1%
Working capital€1.3m▼ 0.2%€1.8m▲ 31.0%€2.1m▲ 21.9%€2.1m▼ 0.3%€2.1m▼ 0.4%
Solvency99.9%=99.4%▼ 0.5pp99.4%=99.8%▲ 0.4pp99.8%=
Result per fiscal year
Operating resultNet result
-€200,000€0€200,000€400,000Operating result 2021: -€2,312-€2,312Net result 2021: -€2,463-€2,463Operating result 2022: -€3,010-€3,010Net result 2022: €416,709€416,709Operating result 2023: -€2,338-€2,338Net result 2023: €386,484€386,484Operating result 2024: -€8,659-€8,659Net result 2024: -€5,399-€5,399Operating result 2025: -€8,912-€8,912Net result 2025: -€9,182-€9,18220212022202320242025-€100,000€0€100,000€200,000€300,000€400,000Operating result 2023: -€2,338-€2,340Net result 2023: €386,484€386,000Operating result 2024: -€8,659-€8,660Net result 2024: -€5,399-€5,400Operating result 2025: -€8,912-€8,910Net result 2025: -€9,182-€9,180202320242025
The operating result stays negative: a loss of €8,912 in 2025 against €8,659 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 €8.1m
Fixed assets €6.0m =
Current assets €2.1m ▼ 0.4%
Equity and liabilities €8.1m
Equity €8.1m ▼ 0.1%
Debt €13,701 ▲ 1.1%
Debt's share of the balance-sheet total stays at 0.2%.
Key figures and ratios
2025 value · change against 2024
ROE
-0.1%▼
2024 · -0.1%
ROA
-0.1%▼
2024 · -0.1%
Debt ≤ 1 year
€13,701▲
2024 · €13,550
A ratio outside any meaningful range has been withheld (balance sheet total €8.1m, equity €8.1m).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 35 lines
Balance sheet Code20242025
Assets
Total assets20/58€8.1m€8.1m▼
Fixed assets21/28€6.0m€6.0m=
Financial fixed assets28€6.0m€6.0m=
Current assets29/58€2.2m€2.1m▼
Current investments50/53€2.1m€2.1m=
Cash at bank and in hand54/58€14,288€5,257▼
Equity and liabilities
Total equity and liabilities10/49€8.1m€8.1m▼
Equity10/15€8.1m€8.1m▼
Contributions10/11€3.2m€3.2m=
Reserves13€4.9m€4.9m▼
Distributable reserves133€4.9m€4.9m▼
Profit (loss) carried forward14€0-
Amounts payable17/49€13,550€13,701▲
Amounts payable within one year42/48€13,550€13,701▲
Trade debts44-€66
Suppliers440/4-€66
Taxes, remuneration and social security45€0-
Taxes450/3€0-
Other amounts payable47/48€13,550€13,635▲
Income statement Code20242025
Other operating charges640/8€2,848€3,727▲
Gross operating margin9900-€5,812-€5,185▲
Operating profit (loss)9901-€8,659-€8,912▼
Financial income75/76B€3,847€0▼
Recurring financial income75€3,847€0▼
Financial charges65/66B€587€269▼
Recurring financial charges65€587€269▼
Profit (loss) for the period before taxes9903-€5,399-€9,182▼
Income taxes67/77€0-
Profit (loss) for the period9904-€5,399-€9,182▼
Profit (loss) for the period to be appropriated9905-€5,399-€9,182▼
Appropriation of the result
Profit (loss) to be appropriated9906€4.1m-€9,182▼
Profit (loss) brought forward from the previous period14P€4.1m€0▼
Transfer from equity791/2-€9,182
Transfer to equity691/2€4.1m€0▼
To other reserves6921€4.1m€0▼

The notes to these accounts (3 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20212022202320242025Change
Other operating charges640/8---€2,848€3,727▲ 30.9%
Gross operating margin9900-€2,312-€3,010-€2,338-€5,812-€5,185▲ 10.8%
Operating profit (loss)9901-€2,312-€3,010-€2,338-€8,659-€8,912▼ 2.9%
Financial income75/76B-€464,145€430,650€3,847€0▼ 100%
Recurring financial income75-€464,145€430,650€3,847€0▼ 100%
Financial charges65/66B-€2,755€3,180€587€269▼ 54.1%
Recurring financial charges65€151€2,755€3,180€587€269▼ 54.1%
Profit (loss) for the period before taxes9903-€2,463€458,380€425,132-€5,399-€9,182▼ 70.1%
Income taxes67/77-€41,671€38,648€0--
Profit (loss) for the period9904-€2,463€416,709€386,484-€5,399-€9,182▼ 70.1%
Profit (loss) for the period to be appropriated9905-€2,463€416,709€386,484-€5,399-€9,182▼ 70.1%
Line20212022202320242025Change
Assets
Total assets20/58€7.3m€7.8m€8.2m€8.1m€8.1m▼ 0.1%
Fixed assets21/28€6.0m€6.0m€6.0m€6.0m€6.0m=
Financial fixed assets28€6.0m€6.0m€6.0m€6.0m€6.0m=
Current assets29/58€1.4m€1.8m€2.2m€2.2m€2.1m▼ 0.4%
Current investments50/53€1.3m€1.8m€1.8m€2.1m€2.1m=
Cash at bank and in hand54/58€59,110€44,491€432,952€14,288€5,257▼ 63.2%
Equity and liabilities
Total equity and liabilities10/49€7.3m€7.8m€8.2m€8.1m€8.1m▼ 0.1%
Equity10/15€7.3m€7.7m€8.1m€8.1m€8.1m▼ 0.1%
Contributions10/11-€3.2m€3.2m€3.2m€3.2m=
Reserves13€7,853€424,562€811,046€4.9m€4.9m▼ 0.2%
Distributable reserves133-€424,562€811,046€4.9m€4.9m▼ 0.2%
Profit (loss) carried forward14€4.1m€4.1m€4.1m€0--
Amounts payable17/49€4,332€46,003€47,981€13,550€13,701▲ 1.1%
Amounts payable within one year42/48€4,332€46,003€47,981€13,550€13,701▲ 1.1%
Trade debts44----€66-
Suppliers440/4----€66-
Taxes, remuneration and social security45-€41,671€38,648€0--
Taxes450/3-€41,671€38,648€0--
Other amounts payable47/48-€4,332€9,332€13,550€13,635▲ 0.6%
Line20212022202320242025Change
Profit (loss) for the period9904-€2,463€416,709€386,484-€5,399-€9,182▼ 70.1%
Operating cash flow (approximation)-€2,463€416,709€386,484-€5,399-€9,182▼ 70.1%
Investment in fixed assets (approximation)-€0€0€0€0-
Change in cash--€14,619€388,461-€418,664-€9,031▲ 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.

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Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 28-02-2027
2026
23-01
NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2025
31-07
Financial Weakest financial yearnet -€9,182
Net result drops to -€9,182, 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 €47,981 to €13,550.
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 €416,709
Net result €416,709 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
seat establishment The establishment unit on the map
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
Rue Estafflers(TEM) 1/A, 7520 TournaiHoldings
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.

Structure & network

Owners and holdings

1 holding

Owners 0

The accounts to 31-07-2025 list no shareholders, and no other source names one.

Holdings 1

According to the annual accounts to 31-07-2025 of CTL.BE and those of the other companies, the acts in the Belgian Gazette and the LEI register. The register of ultimate beneficial owners (UBO) is not public: who ultimately stands behind a natural person or a foreign parent is not stated here. A company that does not fill in these statements, or need not, is missing.

Connections & network

No current directors or connected companies found in the register.

Recognitions · licences · registrations

Legal Entity Identifier

699400427Q35LXTKE041
no longer live in the LEI register

Similar companies · same sector, comparable size

Of 24,729 companies in sector 64210 we hold annual accounts for 19,773. 6,648 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
E-invoicing
Not found in the Peppol register

No Peppol card under this enterprise or VAT number. That proves nothing: publishing a card is voluntary.

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Register as of 27 September 2026 · Peppol Directory

Scores and ratios are computed by Checked and are not a credit decision.