CTL CONCEPT
ActiveThe computed 12-month bankruptcy probability of CTL CONCEPT is 2.1% (moderate). The 2025 annual accounts show equity of €34k and a net result of €34k. Its solvency ranks better than 57% of 7332 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
71
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability100
Solvency75
Growth-
Track record67
Bankruptcy probability, 12 months
2.1%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €2k at 30 days acceptable
Liquidity ample (current ratio 1.8; short-term debt: 49.9% and cash: 29.3% of total assets), and 49.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
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 41
Relative position
BE, all sectors
reference
Sector 41
higher
← 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
50.1%
Return on assets
50.1%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 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 · 1 filingDeviation from the deadline
2025
31 d late
← before the deadline
after the deadline →
Financials · fiscal year 2025, micro schema
Equity
€34k
Total assets
€67k
Net result
€34k
Working capital
€27k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €67k
Fixed assets
€7k
Current assets
€60k
Equity and liabilities €67k
Equity
€34k
Debt
€33k
Debt finances 49.9% of the balance-sheet total.
Key figures and ratios
EBITDA
€47k
Cash flow
€38k
Solvency
50.1%
Current ratio
1.80
Quick ratio
1.80
Debt / equity
1.00
ROE
100.0%
ROA
50.1%
Interest coverage
58.30
Debt
€33k
Debt ≤ 1 year
€33k
Income taxes
€9k
Filed annual accounts
As filed with the NBB · 2025
Balance sheet
Code2025
Assets
Total assets20/58€67k
Fixed assets21/28€7k
Tangible fixed assets22/27€7k
Furniture and vehicles24€7k
Current assets29/58€60k
Amounts receivable within one year40/41€39k
Trade receivables40€680
Other amounts receivable41€38k
Cash at bank and in hand54/58€20k
Deferred charges and accrued income490/1€2k
Equity and liabilities
Total equity and liabilities10/49€67k
Equity10/15€34k
Profit (loss) carried forward14€34k
Amounts payable17/49€33k
Amounts payable within one year42/48€33k
Trade debts44€25k
Suppliers440/4€25k
Taxes, remuneration and social security45€9k
Taxes450/3€9k
Income statement
Code2025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k
Other operating charges640/8€2k
Gross operating margin9900€49k
Operating profit (loss)9901€43k
Financial income75/76B€6
Recurring financial income75€6
Financial charges65/66B€810
Recurring financial charges65€810
Profit (loss) for the period before taxes9903€42k
Income taxes67/77€9k
Profit (loss) for the period9904€34k
Profit (loss) for the period to be appropriated9905€34k
Appropriation of the result
Profit (loss) to be appropriated9906€34k
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
NBB filing
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, Laarne · 1 establishment unit since 2024
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.
Provinciebaan 429270 LaarneGround area
178 m²
Building footprint
81 m²
Volume, LiDAR
425 m³
Parcel 42009D1018/00L002, Flanders · tallest building 8.2 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CTL CONCEPT
since 20242.360.270.712
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 42009D1018/00L002 | Flanders | 178 m² | 1 · 81 m² | 8.2 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.
Similar companies · same sector, comparable size
C.B. BAT
BE 0765.628.324
Colfontaine · Eq €34k
ST RENOVATIE
BE 0769.947.101
Diksmuide · Eq €34k
Roro Build
BE 0800.949.685
Lommel · Eq €34k
TRUST MD
BE 0784.990.415
Ternat · Eq €34k
C & W CONSTRUCT
BE 0597.976.987
Hulshout · Eq €34k
Of 29,808 companies in sector 41001 we hold annual accounts for 16,033. 12,571 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-06-2024
Fiscal year end31-12
Activities, NACEBEL
41001General construction of residential buildings
41003General construction of other non-residential buildings
43341Painting of buildings
43343Specialised construction activities
43422Screed work
81210General cleaning of buildings
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 15-09-2026. Scores and ratios are computed by Checked and are not a credit decision.