CURO-MANAGEMENT
ActiveCURO-MANAGEMENT has been active since 2016 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €117k and a net result of €29k. Equity is growing by ~35% per year across the filed fiscal years. Its solvency ranks better than 40% of 7683 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
94
/ 100
Excellent▲ +8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100▲+4
Solvency73▲+2
Growth78=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €11k at 30 days acceptable
Liquidity ample (current ratio 1.59 against 1.52 in 2024), but 61.5% 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○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← 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
38.5%
Return on assets
9.5%
Age of the figures
8 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 · 9 filingsDeviation from the deadline
2025
31 d late
2024
on the day
2023
58 d early
2022
43 d late
2021
64 d late
2020
242 d late
2019
119 d late
← 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
12-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€117k▲ 32.7%
2024 · €88k
2018: €-40k
2019: €-37k
2020: €-59k
2021: €-64k
2022: €-66k
2023: €71k
2024: €88k
2018 → 2025
Total assets
€304k▲ 31.5%
2024 · €231k
2018: €138k
2019: €117k
2020: €93k
2021: €128k
2022: €90k
2023: €190k
2024: €231k
2018 → 2025
Net result
€29k▲ 70.8%
2024 · €17k
2018: €-96k
2019: €3k
2020: €-22k
2021: €-5k
2022: €-2k
2023: €137k
2024: €17k
2018 → 2025
Working capital
€110k▲ 49.1%
2024 · €74k
2018: €40k
2019: €50k
2020: €-19k
2021: €-81k
2022: €-90k
2023: €46k
2024: €74k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€-64k-€-66k▼ 2.8%€71k€88k▲ 23.7%€117k▲ 32.7%
Operating result€-3k-€14k€40k▲ 179%€52k▲ 30.4%€37k▼ 29.7%
Net result€-5k-€-2k▲ 61.0%€137k€17k▼ 87.7%€29k▲ 70.8%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 30% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €304k
Fixed assets
€7k▼ 50.5%
Current assets
€297k▲ 37.0%
Equity and liabilities €304k
Equity
€117k▲ 32.7%
Debt
€187k▲ 30.8%
The debt ratio falls from 61.8% to 61.5%: equity grows faster than debt.
Key figures and ratios
EBITDA
€44k▼
2024 · €60k
Cash flow
€36k▲
2024 · €24k
Solvency
38.5%▲
2024 · 38.2%
Current ratio
1.59▲
2024 · 1.52
Quick ratio
1.59▲
2024 · 1.51
Debt / equity
1.60▼
2024 · 1.62
ROE
24.6%▲
2024 · 19.1%
ROA
9.5%▲
2024 · 7.3%
Interest coverage
28.99▲
2024 · 10.05
Debt
€187k▲
2024 · €143k
Debt ≤ 1 year
€187k▲
2024 · €143k
Income taxes
€15k▼
2024 · €38k
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€231k€304k▲
Fixed assets21/28€15k€7k▼
Tangible fixed assets22/27€15k€7k▼
Plant, machinery and equipment23€14k€7k▼
Furniture and vehicles24€159€79▼
Current assets29/58€216k€297k▲
Stocks and contracts in progress3€500€500=
Stocks30/36€500€500=
Amounts receivable within one year40/41€187k€276k▲
Trade receivables40€27k€95k▲
Other amounts receivable41€161k€181k▲
Cash at bank and in hand54/58€20k€12k▼
Deferred charges and accrued income490/1€8k€8k▲
Equity and liabilities
Total equity and liabilities10/49€231k€304k▲
Equity10/15€88k€117k▲
Contributions10/11€40k€40k=
Reserves13€48k€77k▲
Distributable reserves133€48k€77k▲
Amounts payable17/49€143k€187k▲
Amounts payable within one year42/48€143k€187k▲
Trade debts44€4k€66k▲
Suppliers440/4€4k€66k▲
Taxes, remuneration and social security45€43k€26k▼
Taxes450/3€35k€19k▼
Remuneration and social security454/9€9k€7k▼
Other amounts payable47/48€95k€95k▲
Income statement
Code20242025
Non-recurring operating income76A€17k-
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€7k€7k=
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€1k-
Other operating charges640/8€26k€602▼
Gross operating margin9900€87k€45k▼
Operating profit (loss)9901€52k€37k▼
Financial income75/76B€8k€8k▲
Recurring financial income75€8k€8k▲
Financial charges65/66B€6k€2k▼
Recurring financial charges65€6k€2k▼
Profit (loss) for the period before taxes9903€54k€43k▼
Income taxes67/77€38k€15k▼
Profit (loss) for the period9904€17k€29k▲
Profit (loss) for the period to be appropriated9905€17k€29k▲
Appropriation of the result
Profit (loss) to be appropriated9906€17k€29k▲
Transfer to equity691/2€17k€29k▲
To other reserves6921€17k€29k▲
The notes to these accounts (4 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
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Equity above €100kEq €117k ▲32.7%
3 profitable years in a row build equity to €117k.
31-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
03-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €137k
Net result €137k after 3 loss-making years.
31-12
Financial
Liquidity quadruplescurrent ratio 1.39
Current ratio from 0.36 to 1.39; short-term debt falls from €141k to €118k.
12-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 43 days late
2022
03-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 64 days late
30-03
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 242 days late
2020
27-11
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema · 119 days late
2019
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
10-10
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 71 days late
2018
31-08
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
no sitting director, no change since 2021
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
04-06-2021
Resigned as Manager
Location & real-estate footprint
Registered office, Geel · 1 establishment unit since 2016
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.
Larumsebrugweg 1362440 GeelGround area
696 m²
Building footprint
151 m²
Volume, LiDAR
754 m³
Parcel 13374D0787/00M000, Flanders · tallest building 7.3 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CURO-MANAGEMENT
since 20162.255.149.337
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13374D0787/00M000 | Flanders | 696 m² | 1 · 151 m² | 7.3 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.
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DIEVANTECH
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VAN HECKE LENNARD FOREX
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Of 24,420 companies in sector 82990 we hold annual accounts for 9,359. 7,127 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded18-07-2016
Fiscal year end31-12
Abbreviation NL
CURO
Activities, NACEBEL
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 9 filingsAddress and cadastre registers
Data from official sources, last processed on 10-09-2026. Scores and ratios are computed by Checked and are not a credit decision.