Equity
€52,181 ▼ 41.2%
Ctrl Fin paid out €46,014 in dividends. That is 486% of the 2025 profit.
Ctrl Fin
Overview
Lifetime
4 annual accounts with figures on one time axispeak €123,490 (2023)
€116,742▲ 9.5%
peak €46,014 (2022)
€9,465▲ 48.4%
peak €88,730 (2024)
€52,181▼ 41.2%
€10,315▼ 66.1%
Board1 name since 2021
1 directorSchmidt Laurent
Documentsfilings and deeds
29-06-202632 days before the deadline
2025micro format
Result from €6,378 to €9,465Dividend €46,014Equity from €88,730 to €52,181Debts from €30,449 to €10,315Investments €4,534
Key points
from the 2025 annual accountsTurnover
≈ €200,000 estimated
The micro format states no turnover.
Investments
€4,534 2.3 × depreciation
Green is investment, beige is depreciation.
Liquidity
5.43 was 3.79 in 2024
Short-term debts fell from €30,449 to €10,315.
Filings
4 annual accounts 3 late
The 2022 accounts came latest: 30 days after the end of the period.
Position in the sector
83.5%
Higher solvency than 81% of companies in head offices and management consultancy. Sector median 55.5% · 39,364 companies.
Checked score
95
Excellent
Financially stronger than 62% of micro companies in head offices and management consultancy (NACE 70)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
< 0.1% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.1% across 48,570 companies (NACE 70, micro).
Fewer than 1 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%
01-2025: < 0.1%● unchanged vs 12-2024
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: < 0.1%● unchanged vs 02-2025
04-2025: < 0.1%● unchanged vs 03-2025
05-2025: < 0.1%● unchanged vs 04-2025
06-2025: < 0.1%● unchanged vs 05-2025
07-2025: < 0.1%● unchanged vs 06-2025
08-2025: 0.1%▲ +0.1 percentage points vs 07-2025highest value
09-2025: < 0.1%▼ -0.1 percentage points vs 08-2025
10-2025: < 0.1%● unchanged vs 09-2025
11-2025: < 0.1%● unchanged vs 10-2025
12-2025: < 0.1%● unchanged vs 11-2025
01-2026: < 0.1%● unchanged vs 12-2025
02-2026: < 0.1%● unchanged vs 01-2026
03-2026: < 0.1%● unchanged vs 02-2026
04-2026: < 0.1%● unchanged vs 03-2026
05-2026: < 0.1%● unchanged vs 04-2026
06-2026: < 0.1%● unchanged vs 05-2026
07-2026: < 0.1%● unchanged vs 06-2026
08-2026: < 0.1%● unchanged vs 07-2026
09-2026: < 0.1%● unchanged vs 08-2026lowest value
10-2026: < 0.1%● unchanged vs 09-2026
11-2026: < 0.1%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
lowers risk
Sector: Activities of head offices; management consultancy activities (NACE 70)
Liquidity: current ratio 5.43, cash €52,232
Equity €52,181 (83.5% of total assets)
Size: total assets €62,496
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 70, micro). It does better than 86% of them on solvency, 90% on liquidity, 57% on profitability and 15% on growth.
The bankruptcy probability was computed on 09-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 26,972 companies had the same profile as Ctrl Fin has now. Each dot stands for 68 companies, two years later.
94.9%
were still trading
3.4%
stopped another way
1.6%
went bankrupt
Another 0.1% stopped without a precise date, possibly only after those two years.
The bankruptcy probability of Ctrl Fin itself is lower: < 0.1% within 12 months. It rests on far more data about Ctrl Fin than the profile alone.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 26,972 companies, not a prediction for Ctrl Fin. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €4,500 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 5.43 (3.79 in 2024), above the usual 1.5. Short-term debt is 16.5% and cash 83.6% of total assets. 16.5% of the assets are financed with debt and provisions.
Credit check for an amount and term of your choice
Show the recommended maximum and see how the verdict changes with amount, term and advance.
The scores and ratios are Checked's own calculations, not a credit decision.
Signals
5 signals, none raises the risk
Five signals.
lowers riskneutral
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 29-06-2026, 32 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
32 days early
2024
25 days late
2023
26 days late
2022
30 days late
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 4 accounts on average 12 days after the deadline. In the sector (NACE 70), the median for financial year 2024 was 9 days before the deadline, and 32% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 26 August (3 of the last 4 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
09-11-2026 today31-12-2026 year end31-07-2027 deadline
Board and ownership
- CLÉMENT Isabelle Hélène Francine Marie 100 sharesdeed of 07-04-2021
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0766345728
Incorporation
Founding capital of €7,500, 100 shares · Founder: CLÉMENT Isabelle Hélène Francine Marie (shareholder) · Appointment: Schmidt Laurent (director) · published on 07-04-2021 · Gazette deed
First establishment
SRL, Avenue Léopold 68, Rixensart
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| Ctrl Fin Rixensart | €62,496 | €116,742 | 83.5% | - |
| Mobisécurité Orp-Jauche | €66,284 | €119,897 | 24.8% | 200 |
| KINTANA MANAGEMENT Auderghem | €67,766 | €118,796 | 22.2% | - |
| EXPERTS FOR REAL ESTATE Woluwe-Saint-Lambert | €58,606 | €109,457 | 38.0% | - |
| INNOVERSE Bonheiden | €59,544 | €112,476 | 36.5% | - |
| Ellen Glazemakers Ghent | €63,479 | €125,266 | 24.3% | - |
| BEN LEONARD Brussels | €61,109 | €132,480 | 33.9% | - |
These companies have the same main activity as Ctrl Fin: business and other management consultancy (NACE 70200). They are comparable in size and age: total assets between €58,600 and €67,800, founded between 2020 and 2021.
Official details
Source: KBO- Status
- Active since 02-04-2021Normal situation
- Activity
- Business and other management consultancyNACE 70200and 1 other
- Establishment unit
- 2.315.522.0381330 Rixensart, since 02-04-2021
- Financial year end
- 31 December
- Peppol
- Reachable since 09-09-2025
Annual accounts 2025
- €116,742▲ 9.5%
- €9,465▲ 48.4%
- €52,181▼ 41.2%
- €62,496▼ 47.6%
- Filing
- Filed on 29-06-2026, 32 days before the end of the filing period
Insights on Ctrl Fin
Ctrl Fin files the micro format. That format states no turnover. The gross margin rose from €72,807 in 2022 to €116,742 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette.
Financials
Annual accounts 2025
micro format, filed on 29-06-2026, 32 days before the deadline€116,742
▲ 9.5%
€8,228
▼ 30.0%
€9,465
▲ 48.4%
€45,717
▼ 46.1%
83.5%
▲ 9.0 percentage points
5.43
▲ 1.65
Turnover and EBIT margin are not published. The micro format does not require them. The turnover shown is an estimate from the gross margin.
Turnover ≈ €200,000. Estimated: probably between €170,000 and €240,000.
Balance sheet
balance sheet total €62,496 on 31-12-2025What the company ownsHow it is paid for
in euro
in euro
Position in the sector
83.5%
Higher than 81% of 39,364 companies in 2025.
5.43
Higher than 80% of 38,048 companies in 2025.
15.1%
Higher than 51% of 38,520 companies in 2025.
Ctrl Fin
Middle half of the sector
80% of the sector
Micro accounts in head offices and management consultancy (NACE 70)
Net result: middle half · Equity: middle half · Balance sheet total: bottom quarter · Working capital: middle half
Filed annual accounts
as filed with the National Bank, click a year to choose it| Line | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Balance sheet: assets | |||||
20/58 |
62,496 | 119,179 | 108,887 | 83,092 | |
21/28 |
6,464 | 3,916 | 6,179 | 7,464 | |
22/27 |
6,464 | 3,916 | 6,179 | 7,464 | |
23 |
524 | 795 | 1,067 | 1,338 | |
24 |
5,940 | 3,121 | 5,112 | 6,126 | |
29/58 |
56,032 | 115,263 | 102,708 | 75,628 | |
29 |
- | 44,713 | 34,000 | 24,000 | |
291 |
- | 44,713 | 34,000 | 24,000 | |
40/41 |
3,800 | - | 15,158 | 85 | |
40 |
- | - | 15,150 | - | |
41 |
3,800 | - | 8 | 85 | |
54/58 |
52,232 | 70,550 | 53,550 | 51,543 | |
| Balance sheet: equity and liabilities | |||||
10/49 |
62,496 | 119,179 | 108,887 | 83,092 | |
10/15 |
52,181 | 88,730 | 82,352 | 53,514 | |
10/11 |
7,500 | 7,500 | 7,500 | 7,500 | |
13 |
35,216 | 81,230 | 74,852 | 46,014 | |
133 |
35,216 | 81,230 | 74,852 | 46,014 | |
14 |
9,465 | - | - | - | |
17/49 |
10,315 | 30,449 | 26,535 | 29,578 | |
42/48 |
10,315 | 30,449 | 26,535 | 22,078 | |
44 |
3,121 | 5,201 | - | 1,584 | |
440/4 |
3,121 | 5,201 | - | 1,584 | |
45 |
4,198 | 24,951 | 24,660 | 20,051 | |
450/3 |
4,198 | 20,915 | 20,860 | 20,051 | |
454/9 |
- | 4,036 | 3,800 | - | |
47/48 |
2,996 | 297 | 1,875 | 443 | |
492/3 |
- | - | - | 7,500 | |
| Income statement | |||||
9900 |
116,742 | 106,641 | 123,490 | 72,807 | |
62 |
104,777 | 91,559 | 80,121 | 1,416 | |
630 |
1,986 | 2,263 | 2,442 | 1,608 | |
640/8 |
1,751 | 1,058 | 933 | 3,549 | |
9901 |
8,228 | 11,761 | 39,994 | 66,234 | |
75/76B |
2 | 1,575 | - | 26 | |
75 |
2 | 1,575 | - | 26 | |
65/66B |
342 | -1,645 | 2,156 | 195 | |
65 |
342 | -1,645 | 2,156 | 195 | |
9903 |
7,888 | 14,981 | 37,838 | 66,065 | |
67/77 |
-1,577 | 8,603 | 9,000 | 20,051 | |
9904 |
9,465 | 6,378 | 28,838 | 46,014 | |
9905 |
9,465 | 6,378 | 28,838 | 46,014 | |
| Appropriation of the result | |||||
9906 |
9,465 | 6,378 | 28,838 | 46,014 | |
791/2 |
46,014 | - | - | - | |
691/2 |
- | 6,378 | 28,838 | 46,014 | |
6921 |
- | 6,378 | 28,838 | 46,014 | |
694/7 |
46,014 | - | - | - | |
694 |
46,014 | - | - | - | |
| Document | |||||
The notes to these accounts have 5 items, including the statement of assets and debts, the cost breakdown and rights and commitments. You find them in the accounts filed with the NBB.
Source: Annual accounts 2025 at the NBB, filed on 29-06-2026.
Filings
each dot is a set of accounts, on the day it reached the National BankKey figures and ratios
per financial year, computed from the annual accounts| Line | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| 10,214 | 14,024 | 42,436 | 67,842 | ||
| 11,451 | 8,641 | 31,280 | 47,622 | ||
| 4,534 | 0 | 1,157 | 9,072 | ||
| -18,318 | 17,000 | 2,007 | - | ||
| 45,717 | 84,814 | 76,173 | 53,550 | ||
| 83.5% | 74.5% | 75.6% | 64.4% | ||
| 5.43 | 3.79 | 3.87 | 3.43 | ||
| 0.20 | 0.34 | 0.32 | 0.55 | ||
| 18.1% | 7.2% | 35.0% | 86.0% | ||
| 15.1% | 5.4% | 26.5% | 55.4% | ||
| 29.87 | -8.53 | 19.68 | over 100 |
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 | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Tangible fixed assets | €4,534 | - | €1,157 | €9,072 |
| €1,986 | €2,263 | €2,442 | €1,608 |
Source: notes to the 2022 to 2025 annual accounts (statement of fixed assets)
Insights on Ctrl Fin
The operating result for 2025 is 30% lower than in 2024 and the lowest since 2022. It is the third fall in a row.
Debt's share of the balance-sheet total falls from 25.5% to 16.5%. Equity and debt are lower.
Board & ownership
Board
1 director, since incorporationDirector (not named in the articles)
since 02-04-2021
term without a fixed end
listed in the 2025 annual accounts, filed on 29-06-2026
Mandates through the years
1 name, the dashed line is todaySchmidt Laurent
Director (not named in the articles)
Director (not named in the articles)
Board
Mandates as a list
- Schmidt Laurent
- Director (not named in the articles), from 02-04-2021 to date
Control
Founder
CLÉMENT Isabelle Hélène Francine Marie
This company
Ctrl Fin
Equity €52,181
Profit €9,465 in 2025
Capital
- Contribution
- €7,500
- Shares
- 100
- Contribution per share
- €75
- Equity per share
- €522 in 2025
- Source
- deed of 07-04-2021
Articles of association
deed of 07-04-2021 (in French)- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Third Friday of June at 18:00
- 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
Shareholders
At incorporation
deed of 07-04-2021 ↗
- CLÉMENT Isabelle Hélène Francine Marie 100 shares
Network & group
No group
Ctrl Fin has no parent and no holdings in its annual accounts. Schmidt Laurent is the only director. Ctrl Fin shares no director with another company.
At the same address
Avenue Léopold 68, 1330 Rixensart · 1 other company| ARISTA CONSEIL
registered office since 16-09-2008 · founded in 2008 |
total assets €374,140 (2025) 0806.376.539 |
Timeline
Timeline
8 events since 2021Filings
Financial
Establishments
202220242026
Deadline for the 2026 accounts: 31-07-2027
2026
Annual accounts 2025 filed NBBmicro format · 32 days before the deadline
2025
Registered in the Peppol Directory Reachable for e-invoices through 0208:0766345728
Annual accounts 2024 filed PDFmicro format · 25 days late
2024
Weakest financial year net €6,378 ▼77.9% The net result drops to €6,378, the lowest from 2022 to 2025. It recovers the following year.
Annual accounts 2023 filed PDFmicro format · 26 days late
2023
Annual accounts 2022 filed PDFmicro format · 30 days late
2021
IncorporationFounding capital of €7,500, 100 shares · Founder: CLÉMENT Isabelle Hélène Francine Marie (shareholder) · Appointment: Schmidt Laurent (director) · published on 07-04-20216 points ▸
- Founder, CLÉMENT Isabelle Hélène Francine Marie (shareholder)
- Founding capital, €7,500, 100 shares
- CLÉMENT Isabelle Hélène Francine Marie holds 100 shares
- Registered office clause, Avenue Léopold 68, 1330 Rixensart
- Board rule, 1
- Director appointment, Schmidt Laurent (director (not named in the articles))
- The deed holds 2 more points.
First establishment SRL, Avenue Léopold 68, Rixensart
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
On 2 April 2021, Ctrl Fin was incorporated as a private limited company by one natural person, with a starting capital of €7,500.12 Schmidt Laurent has served as director since 2021.3 Total assets went from €83,092 in 2022 to €62,496 in 2025.4
Company details
Identity
- Enterprise number
- 0766.345.728
- VAT number
- BE 0766.345.728
- Peppol ID
- 0208:0766345728
- Other Peppol ID
- 9925:BE0766345728
- Legal form
- Private limited company
- Status
- Active, normal situation
- Founded
- 02-04-2021
- Financial year
- ends on 31 December
- Annual meetingThe shareholders approve the annual accounts, among other things, at the annual meeting.
- Third Friday of June at 18:00deed of 07-04-2021 (in French)
- Peppol
- Reachable since 09-09-2025Follow this company and you will hear the next morning if it leaves the Peppol register.
- Name
- Ctrl Fin in French
- Entity type
- Legal entity
- Name clauseThe company operates under this name according to its articles.
- Ctrl Findeed of 07-04-2021 (in French)
- Registered office clauseThe articles name the region of the registered office. The language of official documents depends on that region, among other things.
- “Avenue Léopold 68, 1330 Rixensart”deed of 07-04-2021 (in French)
Activities
NACEBEL 202570200
Business and other management consultancy main activity
Codes under NACEBEL 2008
70220
Business consulting main activity
66199
Activities auxiliary to financial services and insurance activities
- PurposeThe purpose describes the activities the company may carry out under its articles.
- “Les prestations d’accompagnement et de conseils dans les matières suivantes (liste non exhaustive) : l’administratif, les finances, le…”deed of 07-04-2021 (in French)
11 activities
- Les prestations d’accompagnement et de conseils dans les matières suivantes (liste non exhaustive) : l’administratif, les finances, le contrôle de gestion, la comptabilité, les ressources humaines, la formation, le coaching, la stratégie et le management, ainsi que toutes les activités connexes ou liées. Ces prestations peuvent être effectuées dans tous les secteurs d’activités confondus auprès des particuliers, des entreprises, des collectivités et autres organismes publics ou privés ;
- Tout service administratif, informatique, de secrétariat et de traduction pour son compte propre ou pour compte de tiers ;
- La sélection, le recrutement, la formation et le coaching de personnel tant pour son compte que pour le compte d’autres entreprises ;
- L’acquisition et la gestion d’un patrimoine immobilier et plus largement toutes opérations immobilières généralement quelconques, dans le sens le plus large, notamment l’achat, la vente, l’échange, la construction, l’aménagement, la promotion, la transformation, la rénovation, l’exploitation ainsi que la location et la gestion d’immeubles et de meubles et en général l’exécution de toutes opérations immobilières connexes ou liées ;
- La prise de participation directe ou indirecte dans toutes sociétés ou entreprises commerciales, industrielles, financières, mobilières et immobilières. Le contrôle de leur gestion ou la participation à celle-ci par la prise et l’exercice de tous mandats au sein desdites sociétés et entreprises ainsi que l’exercice de la fonction d’administrateur dans d’autres sociétés.
- Les prestations se rapportant au domaine du tourisme des voyages et de l’organisation de voyages ainsi que toutes les activités connexes ou liées ;
- Les prestations liées à la musique telles que l’enseignement du solfège, l'initiation au piano et toutes les activités connexes ou liées ;
- Les prestations photographiques, telles que reportages, prises de vue, portraits, tirages, formations en photographie, achat revente de matériel photographique et toutes autres activités liées à la photographie ;
- Le conseil en architecture d'intérieur, en agencement et design d’espace, en décoration intérieur, design de mobilier et d'agencements sur mesure, Achat-revente de mobilier et d'accessoires de décoration ;
- Tous types de restauration rapide, la préparation de plats cuisinés, la vente sur place, à emporter, livraison à domicile, la vente de boissons conformément à la législation en vigueur ;
- Plus généralement toutes opérations commerciales ou industrielles, financières, mobilières ou immobilières se rapportant directement ou indirectement à l'objet social, ou susceptible d'en faciliter entièrement ou partiellement la réalisation, l'extension ou le développement. L’ensemble de ces activités peut se réaliser en Belgique ou à l’étranger, en tous lieux et de toutes les manières et suivant les modalités qui lui paraîtront les plus appropriées.
Registered office and establishments
1 establishment| Establishment | Since | Unit number |
|---|---|---|
| SRL registered office Avenue Léopold 68, 1330 Rixensart | 02-04-2021 | 2.315.522.038 |
Buildings and parcels at the address
- Ground area
- 1,036 m²
- Buildings
- 151 m²
- Volume, LiDAR
- 1,143 m³
- Tallest building
- 9.2 m
Buildings to scale, each on its own parcel
Parcels
| Cadastral parcel | Area | Buildings | Height / floors |
|---|---|---|---|
| 25091A0125/00E000 | 1,036 m² | 1 · 151 m² | 9.2 m · 3 |
Contact
E-mail
ctrlfinic@gmail.com
E-mail
laurent.schmidt.1@gmail.com establishment in Rixensart
Phone
+32 496 55 05 84 establishment in Rixensart