CURRO CERTIF
ActiveCURRO CERTIF has been active since 2011 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €85k and a net result of €-11k. Equity is growing by ~8.9% per year across the filed fiscal years. Its solvency ranks better than 87% of 2004 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
75
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability6▼-94
Solvency100▲+10
Growth52▼-26
Track record100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days acceptable
Liquidity ample (current ratio 5.4 against 2.84 in 2024; short-term debt: 18.4% and cash: 94.6% of total assets), and 18.4% 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 71
Relative position
BE, all sectors
reference
Sector 71
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
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 06-07-2026, 25 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
25 d early
2024
24 d early
2023
1 d early
2022
27 d early
2021
58 d late
2020
18 d early
2019
31 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
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€-11k
2024 · €62k
2018: €38k
2019: €8k
2020: €14k
2021: €5k
2022: €5k
2023: €22k
2024: €62k
2018 → 2025
Working capital
€85k▼ 11.1%
2024 · €95k
2018: €48k
2019: €55k
2020: €67k
2021: €71k
2022: €77k
2023: €71k
2024: €95k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€72k-€77k▲ 7.7%€71k▼ 7.7%€96k▲ 35.1%€85k▼ 11.3%
Operating result€6k-€8k▲ 42.6%€35k▲ 332%€89k▲ 158%€-6k
Net result€5k-€5k▲ 16.8%€22k▲ 300%€62k▲ 183%€-11k
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €6k after €89k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €105k
Fixed assets
€863▼ 25.3%
Current assets
€104k▼ 29.3%
Equity and liabilities €105k
Equity
€85k▼ 11.3%
Debt
€19k▼ 62.9%
The debt ratio falls from 35.0% to 18.4%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-6k▼
2024 · €89k
Cash flow
€-11k▼
2024 · €62k
Solvency
81.6%▲
2024 · 65.0%
Current ratio
5.40▲
2024 · 2.84
Quick ratio
5.40▲
2024 · 2.84
Debt / equity
0.22▼
2024 · 0.54
ROE
-12.7%▼
2024 · 64.6%
ROA
-10.4%▼
2024 · 42.0%
Interest coverage
-1.39▼
2024 · 37.51
Debt
€19k▼
2024 · €52k
Debt ≤ 1 year
€19k▼
2024 · €52k
Income taxes
€58▼
2024 · €26k
Staff costs
€60k▲
2024 · €59k
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€148k€105k▼
Fixed assets21/28€1k€863▼
Tangible fixed assets22/27€792€500▼
Furniture and vehicles24€792€500▼
Financial fixed assets28€363€363=
Current assets29/58€147k€104k▼
Amounts receivable within one year40/41€3k€2k▼
Trade receivables40€1k€630▼
Other amounts receivable41€2k€2k▼
Cash at bank and in hand54/58€143k€99k▼
Deferred charges and accrued income490/1€854€2k▲
Equity and liabilities
Total equity and liabilities10/49€148k€105k▼
Equity10/15€96k€85k▼
Contributions10/11€6k€6k=
Reserves13€90k€79k▼
Distributable reserves133€90k€79k▼
Profit (loss) carried forward14€30€265▲
Amounts payable17/49€52k€19k▼
Amounts payable within one year42/48€52k€19k▼
Current portion of amounts payable after more than one year42€25k-
Trade debts44€607€2k▲
Suppliers440/4€607€2k▲
Advances received on contracts in progress46€2k€480▼
Taxes, remuneration and social security45€24k€13k▼
Taxes450/3€15k€3k▼
Remuneration and social security454/9€9k€10k▲
Other amounts payable47/48€268€4k▲
Income statement
Code20242025
Remuneration, social security and pensions62€59k€60k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€84€292▲
Other operating charges640/8€2k€623▼
Gross operating margin9900€150k€55k▼
Operating profit (loss)9901€89k€-6k▼
Financial income75/76B€1k-
Recurring financial income75€0-
Non-recurring financial income76B€1k-
Financial charges65/66B€2k€4k▲
Recurring financial charges65€2k€4k▲
Profit (loss) for the period before taxes9903€88k€-11k▼
Income taxes67/77€26k€58▼
Profit (loss) for the period9904€62k€-11k▼
Profit (loss) for the period to be appropriated9905€62k€-11k▼
Appropriation of the result
Profit (loss) to be appropriated9906€62k€-11k▼
Profit (loss) brought forward from the previous period14P€55€30▼
Transfer from equity791/2-€11k
Transfer to equity691/2€25k-
To other reserves6921€25k-
Profit to be distributed694/7€37k-
Return on contributions (dividend)694€37k-
Social balance
Average headcount (FTE)90871.01.0=
The notes to these accounts (5 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
06-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Weakest financial yearnet €-11k ▼117%
Net result drops to €-11k, the lowest in the series.
07-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
31-12
Financial
Highest result since 2018net €62k ▲183%
Operating result €89k, net result €62k, both a record.
30-07
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
04-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
27-09
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 58 days late
2021
13-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
30-06
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
25-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
21-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
12-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
8 acts for this company are 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, Frameries · 1 establishment unit since 2011
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.
Rue Dejardin 87080 FrameriesGround area
528 m²
Building footprint
102 m²
Volume, LiDAR
625 m³
Parcel 53045A0225/00Y004, Wallonia · tallest building 7.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CURRO CERTIF
since 20112.199.709.778
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53045A0225/00Y004 | Wallonia | 528 m² | 1 · 102 m² | 7.7 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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PHOEDEMC2
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CO³ ENGINEERING
BE 0541.895.250
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DAR BELGIUM
BE 0642.597.086
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KZ TECHNICS
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Beveren · Eq €85k
Of 11,554 companies in sector 71121 we hold annual accounts for 6,562. 5,203 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-05-2011
Fiscal year end31-12
Activities, NACEBEL
71121Engineering and related technical consultancy, excluding land surveyors
Sources
Crossroads Bank for EnterprisesNational Bank · 15 filingsAddress and cadastre registers
Data from official sources, last processed on 21-09-2026. Scores and ratios are computed by Checked and are not a credit decision.