Equity
€12,252 from €70,636 in 2023
Equity fell by 83% in 2 years.
CTLC
Overview
Lifetime
5 annual accounts with figures on one time axispeak €73,274 (2024)
€70,535▼ 3.7%
peak €46,983 (2024)
€44,633▼ 5.0%
peak €70,636 (2023)
€12,252▼ 30.5%
€110,857▼ 17.5%
Board1 name since 2020
1 director
Documentsfilings and deeds
07-12-202555 days before the deadline
2025micro format
Dividend €50,000Equity from €17,619 to €12,252Debts from €134,421 to €110,857
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Key points
from the 2025 annual accountsTurnover
≈ €210,000 estimated
The micro format states no turnover.
Debts
€110,857 90% of the balance sheet
Suppliers 1%Taxes and wages 13%Other 86%
Filings
5 annual accounts since 2021
The last five annual accounts were filed 39 to 57 days before the end of the period.
Starting capital
€1,000 100 shares
Position in the sector
€12,252
Less equity than 85% of companies in auxiliary financial services. Sector median €119,030 · 3,079 companies.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score measures liquidity, leverage and margins against the norms for trading and manufacturing companies. A bank, insurer or financial holding has a very different balance sheet. Those ratios and the score mean nothing here. So there is no financial strength either.
Bankruptcy probability within 12 months
The company is a financial institution: a bank, insurer or financial holding. Its balance sheet works differently from that of a trading or manufacturing company. A bankruptcy probability from the general model would mislead here.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
2 signals are hidden.
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Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0755360081
Registered office moved from Ghent to Kruisem
New registered office: Olsensesteenweg 48 te 9770 Kruisem · Previous registered office: Lange Violettestraat 38 bus 101 te 9000 Gent · General meeting of 01-05-2021 · Gazette deed
Incorporation
Founding capital of €1,000, 100 shares · Founder: · Appointment: (director) · published on 01-10-2020 · Gazette deed
First establishment
Olsensesteenweg 48, Kruisem
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Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| CTLC Kruisem | €123,109 | €70,535 | 10.0% | - |
| Solutions Van Parijs Nazareth-De Pinte | €177,560 | €52,360 | 60.8% | - |
| IMAVA Pajottegem | €151,875 | €98,561 | 47.9% | - |
| B & K Home Concept Lendelede | €174,801 | €79,881 | 100.0% | - |
| Alvacon Kortenberg | €80,247 | €89,705 | 30.4% | - |
| Welp Sint-Niklaas | €86,878 | €34,761 | 6.9% | - |
| DEVA CONSULT Harelbeke | €81,578 | €42,967 | 82.0% | - |
These companies have the same main activity as CTLC: activities auxiliary to financial services and insurance activities (NACE 66300). They are comparable in size and age: total assets between €80,200 and €178,000, founded between 2020 and 2021.
Official details
Source: KBO- Status
- Active since 29-09-2020Normal situation
- Activity
- Activities auxiliary to financial services and insurance activitiesNACE 66300and 5 others
- Establishment unit
- 2.307.932.1839770 Kruisem, since 29-09-2020
- Financial year end
- 30 June
- Peppol
- Reachable since 10-11-2025
Annual accounts to 30-06-2025
- €44,633▼ 5.0%
- €12,252▼ 30.5%
- €123,109▼ 19.0%
- Filing
- Filed on 07-12-2025, 55 days before the end of the filing period
Insights on CTLC
CTLC files the micro format. That format states no turnover. The gross margin rose from €59,952 in 2021 to €70,535 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 07-12-2025, 55 days before the deadline€12,252
▼ 30.5%
€123,109
▼ 19.0%
€44,633
▼ 5.0%
10.0%
▼ 1.6 percentage points
364.3%
▲ 97.6 percentage points
36.3%
▲ 5.4 percentage points
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Balance sheet
balance sheet total €123,109 on 30-06-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
10.0%
Higher than 17% of 3,076 companies in 2025.
36.3%
Higher than 87% of 3,020 companies in 2025.
CTLC
Middle half of the sector
80% of the sector
Micro accounts in auxiliary financial services (NACE 66)
Net result: middle half · Equity: bottom quarter · Balance sheet total: bottom quarter
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Balance sheet: assets | ||||||
20/58 |
123,109 | 152,040 | 164,356 | 130,300 | 99,363 | |
21/28 |
4,480 | 13,735 | 23,568 | 30,273 | 39,528 | |
22/27 |
4,480 | 13,735 | 23,568 | 30,273 | 39,528 | |
24 |
4,480 | 1,970 | 2,549 | - | - | |
25 |
0 | 11,765 | 21,019 | 30,273 | - | |
29/58 |
118,629 | 138,305 | 140,788 | 100,027 | 59,835 | |
40/41 |
15,000 | 50,467 | 29,351 | 28,547 | 27,625 | |
40 |
0 | 49,578 | 29,154 | 28,115 | 27,625 | |
41 |
15,000 | 889 | 196 | 432 | - | |
54/58 |
103,629 | 85,893 | 111,437 | 70,386 | 32,210 | |
490/1 |
0 | 1,944 | - | 1,094 | - | |
| Balance sheet: equity and liabilities | ||||||
10/49 |
123,109 | 152,040 | 164,356 | 130,300 | 99,363 | |
10/15 |
12,252 | 17,619 | 70,636 | 67,641 | 41,750 | |
10/11 |
1,000 | 1,000 | 1,000 | 1,000 | 1,000 | |
13 |
11,252 | 16,619 | 69,636 | 66,641 | 40,750 | |
133 |
11,252 | 16,619 | 69,636 | 66,641 | 40,750 | |
14 |
0 | 0 | - | - | - | |
17/49 |
110,857 | 134,421 | 93,719 | 62,659 | 57,613 | |
17 |
- | 0 | 2,960 | 14,709 | 26,312 | |
170/4 |
- | 0 | 2,960 | 14,709 | 26,312 | |
42/48 |
110,857 | 134,415 | 90,759 | 47,949 | 31,300 | |
42 |
0 | 3,945 | 11,749 | 11,603 | 11,459 | |
44 |
1,468 | 3,917 | 5,618 | 5,370 | 146 | |
440/4 |
1,468 | 3,917 | 5,618 | 5,370 | 146 | |
45 |
13,936 | 26,554 | 33,392 | 20,977 | 18,653 | |
450/3 |
10,634 | 23,175 | 30,499 | 17,765 | 15,730 | |
454/9 |
3,302 | 3,378 | 2,893 | 3,212 | 2,923 | |
47/48 |
95,453 | 100,000 | 40,000 | 10,000 | 1,043 | |
492/3 |
0 | 5 | - | - | - | |
| Income statement | ||||||
9900 |
70,535 | 73,274 | 66,825 | 57,196 | 59,952 | |
630 |
11,386 | 9,833 | 9,598 | 9,254 | 6,744 | |
640/8 |
986 | 1,910 | 1,686 | 1,460 | 1,178 | |
9901 |
58,164 | 61,531 | 55,541 | 46,481 | 52,029 | |
75/76B |
0 | 58 | 13 | 0 | - | |
75 |
0 | 58 | 13 | 0 | - | |
65/66B |
285 | 406 | 438 | 592 | 590 | |
65 |
285 | 406 | 438 | 592 | 590 | |
9903 |
57,879 | 61,183 | 55,115 | 45,889 | 51,439 | |
67/77 |
13,247 | 14,200 | 12,120 | 9,998 | 10,688 | |
9904 |
44,633 | 46,983 | 42,995 | 35,891 | 40,750 | |
9905 |
44,633 | 46,983 | 42,995 | 35,891 | 40,750 | |
| Appropriation of the result | ||||||
9906 |
44,633 | 46,983 | 42,995 | 35,891 | 40,750 | |
791/2 |
5,367 | 53,017 | - | - | - | |
691/2 |
- | 0 | 2,995 | 25,891 | 40,750 | |
6921 |
- | 0 | 2,995 | 25,891 | 40,750 | |
694/7 |
50,000 | 100,000 | 40,000 | 10,000 | - | |
694 |
50,000 | 100,000 | 40,000 | 10,000 | - | |
| Document | ||||||
The notes to these accounts have 8 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the filed accounts (PDF).
Source: Annual accounts 2025 (PDF), filed on 07-12-2025.
Filings
each dot is a set of accounts, on the day it reached the National Bank| Financial year | Type | Filed | Reference | Document |
|---|---|---|---|---|
| 30-06-2025 | micro format | 07-12-2025 | 2025-00577155 | |
| 30-06-2024 | micro format | 06-12-2024 | 2024-00611128 | |
| 30-06-2023 | micro format | 05-12-2023 | 2023-00522036 | |
| 30-06-2022 | micro format | 23-12-2022 | 2022-20545222 | |
| 30-06-2021 | micro format | 09-12-2021 | 2021-79900108 |
Key figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| 2,130 | 0 | 2,893 | 0 | 46,272 | ||
| 17,736 | -25,544 | 41,051 | 38,176 | - | ||
| 10.0% | 11.6% | 43.0% | 51.9% | 42.0% | ||
| 364.3% | 266.7% | 60.9% | 53.1% | 97.6% | ||
| 36.3% | 30.9% | 26.2% | 27.5% | 41.0% |
A Belgian filing has no cash-flow statement. Cash flow is therefore an approximation, derived from the income statement. Investment is the acquisitions in the notes and, without them, the balance-sheet move.
Investments
fixed assets acquired| Item | 30-06-2025 | 30-06-2024 | 30-06-2023 | 30-06-2022 |
|---|---|---|---|---|
| Tangible fixed assets | €2,130 | - | €2,893 | - |
| €11,386 | €9,833 | €9,598 | €9,254 |
Source: notes to the 2022 to 2025 annual accounts (statement of fixed assets)
Insights on CTLC
The operating result for 2025 is 5% lower than in 2024.
Debt's share of the balance-sheet total rises from 88.4% to 90.0%. Equity and debt are lower.
Board & ownership
Board
1 director, since incorporationDirector (not named in the articles)
appointed by deed of 01-10-2020
term without a fixed end
listed in the 2025 annual accounts, filed on 07-12-2025
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Mandates through the years
1 name, the dashed line is todayDirector (not named in the articles)
Board
Mandates as a list
-
- Director (not named in the articles), from 29-09-2020 to date
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Control
Founder
This company
CTLC
Equity €12,252
Profit €44,633 in 2025
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Capital
- Contribution
- €1,000
- Shares
- 100
- Contribution per share
- €10
- Equity per share
- €123 in 2025
- Source
- deed of 01-10-2020
Articles of association
deed of 01-10-2020 (in Dutch)- Board ruleThese rules set how the board is made up, meets and takes decisions.
- At least 1 director“Algemene vergadering bepaalt aantal,duur en bevoegdheid bij meerdere bestuurders, met of zonder beperking van duur”
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- First Friday of December at 10:00
- Statutory auditorA statutory auditor is a registered auditor who checks the annual accounts. Small companies need not have one. According to the deed, the legal criteria do not require one here.
- No statutory auditor
Founder
At incorporation
deed of 01-10-2020 ↗
- sole founder · 100% at incorporation
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Network & group
No group
CTLC has no parent and no holdings in its annual accounts. is the only director. CTLC shares no director with another company.
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Timeline
Timeline
10 events since 2020Filings
Financial
Establishments
Address
2020202220242026
Deadline for the 2026 accounts: 31-01-2027
2025
Annual accounts 2025 filed PDFmicro format · 55 days before the deadline
Registered in the Peppol Directory Reachable for e-invoices through 0208:0755360081
2024
Annual accounts 2024 filed PDFmicro format · 56 days before the deadline
Highest result from 2021 to 2025 net €46,983 ▲9.3% The operating result of €61,531 and the net result of €46,983 are both a record.
2023
Annual accounts 2023 filed PDFmicro format · 57 days before the deadline
2022
Annual accounts 2022 filed PDFmicro format · 39 days before the deadline
2021
Annual accounts 2021 filed PDFmicro format · 53 days before the deadline
Registered office moved from Ghent to KruisemNew registered office: Olsensesteenweg 48 te 9770 Kruisem · Previous registered office: Lange Violettestraat 38 bus 101 te 9000 Gent · General meeting of 01-05-20212 points ▸
- General meeting, 01-05-2021
- Registered-office move, Olsensesteenweg 48 te 9770 Kruisem
2020
IncorporationFounding capital of €1,000, 100 shares · Founder: · Appointment: (director) · published on 01-10-20205 points ▸
- Founder,
- Founding capital, €1,000, 100 shares
- Registered office clause, Lange Violettestraat 38 bus 101, 9000 Gent
- Board rule, 1
- Director appointment, (director (not named in the articles))
- The deed holds 2 more points.
First establishment Olsensesteenweg 48, Kruisem
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Financial milestones sit on the financial year-end date, not the filing date.
Sources: Publications in the Belgian Official GazetteFilings with the National Bank
History
CTLC was incorporated on 29 September 2020 as a private limited company by one natural person, with a starting capital of €1,000.12 The registered office was moved to Kruisem in 2021.3 is director of the company, appointed by deed of 01-10-2020.2 Total assets rose from €99,363 in 2021 to €123,109 in 2025.4
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Company details
Identity
- Enterprise number
- 0755.360.081
- VAT number
- BE 0755.360.081
- Peppol ID
- 0208:0755360081
- Other Peppol ID
- 9925:BE0755360081
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 29-09-2020
- Financial year
- ends on 30 June
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- First Friday of December at 10:00deed of 01-10-2020 (in Dutch)
- Peppol
- Reachable since 10-11-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- CTLC in Dutch
- Entity type
- Legal entity
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Lange Violettestraat 38 bus 101, 9000 Gent”deed of 01-10-2020 (in Dutch)
Activities
NACEBEL 202566300
Activities auxiliary to financial services and insurance activities main activity
Codes under NACEBEL 2008
66300
Activities auxiliary to financial services and insurance activities main activity
64200
Holdings
68201
Real estate activities
70220
Business consulting
82110
Office administrative, office support and other business support activities
82990
Other business support services
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| Olsensesteenweg 48 registered office 9770 Kruisem | 29-09-2020 | 2.307.932.183 |
1 former office
- Lange Violettestraat 38 bus 101, 9000 Gent until 01-05-2021 · deed of 28-06-2021
Buildings and parcels at the address
- Ground area
- 6,246 m²
- Buildings
- 250 m²
- Volume, LiDAR
- 1,472 m³
- Tallest building
- 8.9 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 45017D1368/00E000 | 6,246 m² | 1 · 250 m² | 8.9 m · 2 |