Curamens
ActiveCuramens has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €73k and a net result of €21k. Its solvency ranks better than 26% of 16511 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
77
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability80▼-20
Solvency56▼-33
Growth52
Track record82
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 2.79 against 1.78 in 2024; short-term debt: 14.4% and cash: 19.7% of total assets), but 69.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 86
Relative position
BE, all sectors
reference
Sector 86
lower
← fewer bankruptcies
more bankruptcies →
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
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
30.7%
Return on assets
9%
Age of the figures
9 mo
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 10-07-2026, 21 days ahead of the deadline.
NBB · 2 filingsDeviation from the deadline
2025
21 d early
2024
37 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
20-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€73k▲ 41.4%
2024 · €51k
2024: €51k
2024 → 2025
Total assets
€236k▲ 193%
2024 · €81k
2024: €81k
2024 → 2025
Net result
€21k▼ 56.9%
2024 · €49k
2024: €49k
2024 → 2025
Working capital
€61k▲ 168%
2024 · €23k
2024: €23k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€51k-€73k▲ 41.4%
Operating result€63k-€32k▼ 48.9%
Net result€49k-€21k▼ 56.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 49% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €236k
Fixed assets
€141k▲ 394%
Current assets
€95k▲ 83.0%
Equity and liabilities €236k
Equity
€73k▲ 41.4%
Debt
€164k▲ 460%
The debt ratio rises from 36.3% to 69.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€60k▼
2024 · €77k
Cash flow
€50k▼
2024 · €64k
Solvency
30.7%▼
2024 · 63.7%
Current ratio
2.79▲
2024 · 1.78
Quick ratio
2.79▲
2024 · 1.78
Debt / equity
2.26▲
2024 · 0.57
ROE
29.3%▼
2024 · 96.1%
ROA
9.0%▼
2024 · 61.2%
Interest coverage
19.94▼
2024 · 664.72
Debt
€164k▲
2024 · €29k
Debt ≤ 1 year
€34k▲
2024 · €29k
Debt > 1 year
€130k
Income taxes
€8k▼
2024 · €13k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€81k€236k▲
Fixed assets21/28€29k€141k▲
Tangible fixed assets22/27€29k€141k▲
Land and buildings22-€125k
Furniture and vehicles24€29k€17k▼
Current assets29/58€52k€95k▲
Amounts receivable within one year40/41-€30k
Trade receivables40-€8k
Other amounts receivable41-€23k
Current investments50/53-€6k
Cash at bank and in hand54/58€42k€47k▲
Deferred charges and accrued income490/1€10k€12k▲
Equity and liabilities
Total equity and liabilities10/49€81k€236k▲
Equity10/15€51k€73k▲
Contributions10/11€2k€2k=
Reserves13€49k€71k▲
Distributable reserves133€49k€71k▲
Amounts payable17/49€29k€164k▲
Amounts payable after more than one year17-€130k
Financial debts170/4-€130k
Amounts payable within one year42/48€29k€34k▲
Current portion of amounts payable after more than one year42-€8k
Trade debts44€5k€22k▲
Suppliers440/4€5k€22k▲
Taxes, remuneration and social security45€4k€5k▲
Taxes450/3€4k€5k▲
Other amounts payable47/48€21k-
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€15k€28k▲
Other operating charges640/8€619€2k▲
Gross operating margin9900€78k€62k▼
Operating profit (loss)9901€63k€32k▼
Financial income75/76B-€671
Recurring financial income75-€671
Financial charges65/66B€116€3k▲
Recurring financial charges65€116€3k▲
Profit (loss) for the period before taxes9903€63k€30k▼
Income taxes67/77€13k€8k▼
Profit (loss) for the period9904€49k€21k▼
Profit (loss) for the period to be appropriated9905€49k€21k▼
Appropriation of the result
Profit (loss) to be appropriated9906€49k€21k▼
Transfer to equity691/2€49k€21k▼
To other reserves6921€49k€21k▼
The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
10-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
24-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
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, Balen · 1 establishment unit since 2023
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.
Tiendenstraat 132490 BalenGround area
603 m²
Building footprint
118 m²
Parcel 13003D0072/00L000, Flanders. Linked by address, not a title deed.
1 establishment unit
Curamens
since 20232.354.092.703
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13003D0072/00L000 | Flanders | 603 m² | 1 · 117 m² | 0.0 m |
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.
Public money · subsidies and aid
Flemish government
2025 · 1 entry · 284 EUR awarded · 284 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 284 EUR | 284 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
Recognitions · licences · registrations
Legal Entity Identifier
984500698AF74B965308
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Of 5,524 companies in sector 86931 we hold annual accounts for 550. 435 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded04-12-2023
Fiscal year end31-12
Activities, NACEBEL
86931Psychology services
68203Renting and operating of own or leased non-residential real estate, excluding land
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 19-09-2026. Scores and ratios are computed by Checked and are not a credit decision.