Skip to content

Curus

Active
Public limited companyfounded 199927 yrs activeBaeckelmansstraat 116, 2830 Willebroek, BelgiumKBO/BCE: BE 0466.045.705
Summary

Curus has been active since 1999 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €251k and a net result of €79k. Equity is growing by ~11.1% per year across the filed fiscal years. Its solvency ranks better than 22% of 3200 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).

Checked score

Score 2025
Axes · tick = 2024
Profitability76▲+16
Solvency45▲+6
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1% Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €16k at 30 days acceptable
Liquidity short (current ratio 0.37 against 0.24 in 2024; short-term debt: 59.2% and cash: 0.1% of total assets), and 80.4% of the assets are financed with debt.
Credit check for your own amount and term

Open the credit simulator : see how the verdict changes with amount, term and advance.

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 70
Relative position
BE, all sectors
reference
Activities of head offices; management consultancy activities (NACE 70)
about 69% fewer bankruptcies
← 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 date
Age against the risk zone
highest failure risk from 2 to 8 years 27 years 0 30 y
lowers risk · Lower-risk legal form
Companies with this legal form statistically fail less often than a BV.
KBO · legal form
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025
Solvency, return and age of the figures
Solvency
19.6%
Return on assets
6.2%
Age of the figures
9 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 22% of 3200 sector peers (2025).
NBB · sector comparison
Position among 3200 sector peers
Solvency
better than 22%
← weakest strongest →
neutral · A punctual record breaks
This company filed 4 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days late. Weigh it accordingly: a break into the 1-to-90-day band measures 1.41% abnormal legal state, below the 1.66% market average. It is a change in behaviour, not evidence of elevated risk.
NBB · 10 filings
Deviation from the deadline
2025
31 d late
2024
2 d early
2023
7 d early
2022
7 d early
2021
2 d early
2020
61 d late
2019
31 d late
← before the deadline after the deadline →
Checked, nothing found (2)
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 months
Position in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
neutral · No strike-offs in the KBO publications
We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.
KBO publications · our coverage

History

Curus was incorporated on 14 April 1999.1 Total assets fell from EUR 1.4 million in 2018 to EUR 1.3 million in 2025.2

  1. 1Crossroads Bank for Enterprises
  2. 2National Bank, annual accounts 2018 and 2025

Financials · fiscal year 2025, full schema

Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€79k▲ 467%
2024 · €14k
Working capital
€-478k▲ 27.8%
2024 · €-661k
Trend over the years

Click a name to add, emphasise or remove a line.

Every figure with its change against the fiscal year before
favourable unfavourable
Line20212022202320242025
Operating result€23k▼ 44.0%€25k▲ 7.9%€26k▲ 4.6%€42k▲ 59.6%€129k▲ 208%
Net result€6k▼ 74.3%€8k▲ 21.1%€3k▼ 63.8%€14k▲ 392%€79k▲ 467%
Equity€148k▲ 4.5%€156k▲ 5.3%€158k▲ 1.8%€172k▲ 8.7%€251k▲ 45.6%
Total assets€1.61M▲ 4.5%€1.92M▲ 19.1%€1.96M▲ 1.7%€1.26M▼ 35.4%€1.28M▲ 1.2%
Debt€1.47M▲ 4.5%€1.77M▲ 20.5%€1.80M▲ 1.7%€1.09M▼ 39.3%€1.03M▼ 5.8%
Working capital€-463k▼ 17.6%€-524k▼ 13.2%€-640k▼ 22.0%€-661k▼ 3.4%€-478k▲ 27.8%
Result per fiscal year
Operating resultNet result
€0€50k€100k€150kOperating result 2021: €23k€23kNet result 2021: €6k€6kOperating result 2022: €25k€25kNet result 2022: €8k€8kOperating result 2023: €26k€26kNet result 2023: €3k€3kOperating result 2024: €42k€42kNet result 2024: €14k€14kOperating result 2025: €129k€129kNet result 2025: €79k€79k20212022202320242025€0€50k€100k€150kOperating result 2023: €26k€26kNet result 2023: €3k€2.8kOperating result 2024: €42k€42kNet result 2024: €14k€14kOperating result 2025: €129k€129kNet result 2025: €79k€79k202320242025
The operating result has risen four years in a row; 2025 is 208% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.28M
Fixed assets €999k ▼ 5.7%
Current assets €279k ▲ 37.3%
Equity and liabilities €1.28M
Equity €251k ▲ 45.6%
Debt €1.03M ▼ 5.8%
Debt's share of the balance-sheet total falls from 86.4% to 80.4%. Equity is higher and debt is lower.
Key figures and ratios
2025 value · change against 2024
EBITDA
€196k▲
2024 · €109k
Cash flow
€146k▲
2024 · €81k
Current ratio
0.37▲
2024 · 0.24
Debt to equity
4.09▼
2024 · 6.33
ROE
31.3%▲
2024 · 8.0%
ROA
6.2%▲
2024 · 1.1%
Interest coverage
9.63▲
2024 · 4.75
Debt ≤ 1 year
€757k▼
2024 · €865k
Debt > 1 year
€271k▲
2024 · €226k
Income taxes
€30k▲
2024 · €5k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
Filed annual accounts As filed with the NBB · 2025 against 2024 · 50 lines
Balance sheet Code20242025
Assets
Total assets20/58€1.26M€1.28M▲
Fixed assets21/28€1.06M€999k▼
Tangible fixed assets22/27€864k€804k▼
Land and buildings22€741k€702k▼
Plant, machinery and equipment23€3k€2k▼
Furniture and vehicles24€10k€7k▼
Other tangible fixed assets26€111k€93k▼
Financial fixed assets28€195k€195k=
Current assets29/58€203k€279k▲
Amounts receivable within one year40/41€198k€274k▲
Trade receivables40€135k€201k▲
Other amounts receivable41€63k€74k▲
Cash at bank and in hand54/58€2k€2k▼
Deferred charges and accrued income490/1€3k€4k▲
Equity and liabilities
Total equity and liabilities10/49€1.26M€1.28M▲
Equity10/15€172k€251k▲
Contributions10/11€151k€151k=
Capital10€151k€151k=
Issued capital100€151k€151k=
Reserves13€5k€9k▲
Non-distributable reserves130/1€5k€9k▲
Legal reserve130€5k€9k▲
Profit (loss) carried forward14€16k€91k▲
Amounts payable17/49€1.09M€1.03M▼
Amounts payable after more than one year17€226k€271k▲
Financial debts170/4€226k€271k▲
Amounts payable within one year42/48€865k€757k▼
Current portion of amounts payable after more than one year42€93k€101k▲
Trade debts44€26k€12k▼
Suppliers440/4€26k€12k▼
Taxes, remuneration and social security45€19k€35k▲
Taxes450/3€19k€35k▲
Remuneration and social security454/9€32-
Other amounts payable47/48€727k€608k▼
Income statement Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€67k€67k▲
Other operating charges640/8€10k€1k▼
Gross operating margin9900€119k€197k▲
Operating profit (loss)9901€42k€129k▲
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€23k€20k▼
Recurring financial charges65€23k€20k▼
Profit (loss) for the period before taxes9903€19k€108k▲
Income taxes67/77€5k€30k▲
Profit (loss) for the period9904€14k€79k▲
Profit (loss) for the period to be appropriated9905€14k€79k▲
Appropriation of the result
Profit (loss) to be appropriated9906€17k€95k▲
Profit (loss) brought forward from the previous period14P€3k€16k▲
Transfer to equity691/2€693€4k▲
To the legal reserve6920€693€4k▲

The notes to these accounts (9 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Line20212022202320242025Change
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€55k€62k€66k€67k€67k▲ 0.4%
Other operating charges640/8€8k€8k€12k€10k€1k▼ 87.1%
Gross operating margin9900€86k€95k€104k€119k€197k▲ 66.4%
Operating profit (loss)9901€23k€25k€26k€42k€129k▲ 208%
Financial income75/76B€1---€0-
Recurring financial income75€1---€0-
Financial charges65/66B€17k€15k€22k€23k€20k▼ 11.3%
Recurring financial charges65€17k€15k€22k€23k€20k▼ 11.3%
Profit (loss) for the period before taxes9903€7k€10k€5k€19k€108k▲ 474%
Income taxes67/77€308€3k€2k€5k€30k▲ 493%
Profit (loss) for the period9904€6k€8k€3k€14k€79k▲ 467%
Profit (loss) for the period to be appropriated9905€6k€8k€3k€14k€79k▲ 467%
Line20212022202320242025Change
Assets
Total assets20/58€1.61M€1.92M€1.96M€1.26M€1.28M▲ 1.2%
Fixed assets21/28€1.19M€1.17M€1.12M€1.06M€999k▼ 5.7%
Tangible fixed assets22/27€999k€978k€924k€864k€804k▼ 7.0%
Land and buildings22€834k€813k€778k€741k€702k▼ 5.3%
Plant, machinery and equipment23--€4k€3k€2k▼ 32.4%
Furniture and vehicles24-€17k€14k€10k€7k▼ 25.6%
Other tangible fixed assets26€166k€147k€129k€111k€93k▼ 16.2%
Financial fixed assets28€195k€195k€195k€195k€195k=
Current assets29/58€420k€750k€837k€203k€279k▲ 37.3%
Amounts receivable within one year40/41€416k€741k€832k€198k€274k▲ 38.6%
Trade receivables40€401k€724k€815k€135k€201k▲ 48.2%
Other amounts receivable41€15k€17k€17k€63k€74k▲ 17.7%
Cash at bank and in hand54/58€2k€3k€2k€2k€2k▼ 28.2%
Deferred charges and accrued income490/1€3k€6k€3k€3k€4k▲ 6.2%
Equity and liabilities
Total equity and liabilities10/49€1.61M€1.92M€1.96M€1.26M€1.28M▲ 1.2%
Equity10/15€148k€156k€158k€172k€251k▲ 45.6%
Contributions10/11€151k€151k€151k€151k€151k=
Capital10€151k€151k€151k€151k€151k=
Issued capital100€151k€151k€151k€151k€151k=
Reserves13€4k€4k€4k€5k€9k▲ 76.3%
Non-distributable reserves130/1€4k€4k€4k€5k€9k▲ 76.3%
Legal reserve130€4k€4k€4k€5k€9k▲ 76.3%
Profit (loss) carried forward14€-7k€295€3k€16k€91k▲ 463%
Amounts payable17/49€1.47M€1.77M€1.80M€1.09M€1.03M▼ 5.8%
Amounts payable after more than one year17€503k€411k€321k€226k€271k▲ 19.6%
Financial debts170/4€503k€411k€321k€226k€271k▲ 19.6%
Amounts payable within one year42/48€883k€1.27M€1.48M€865k€757k▼ 12.5%
Current portion of amounts payable after more than one year42€90k€90k€90k€93k€101k▲ 8.8%
Trade debts44€39k€24k€35k€26k€12k▼ 52.0%
Suppliers440/4€39k€24k€35k€26k€12k▼ 52.0%
Advances received on contracts in progress46€498k€1.07M€1.26M---
Taxes, remuneration and social security45€14k€11k€17k€19k€35k▲ 89.2%
Taxes450/3€14k€11k€12k€19k€35k▲ 89.6%
Remuneration and social security454/9--€5k€32--
Other amounts payable47/48€242k€77k€75k€727k€608k▼ 16.4%
Accrued charges and deferred income492/3€81k€82k----
Line20212022202320242025Change
Profit (loss) for the period9904€6k€8k€3k€14k€79k▲ 467%
+ Depreciation and write-downs630€55k€62k€66k€67k€67k▲ 0.4%
Operating cash flow (approximation)€61k€70k€69k€81k€146k▲ 80.3%
Investment in fixed assets (approximation)-€-40k€-12k€-8k€-7k▲ 11.8%
Change in cash-€2k€-2k€546€-609▼ 212%

Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.

Download as CSV

More with these figures Sector benchmark What changed Value indication

Timeline · acts, filings and financial milestones

Next filing, fiscal year 2026, expected by 31-07-2027
2026
31-08
NBB filing Annual accounts filed
fiscal year 2025 · full schema · 31 days late
2025
31-12
Financial Highest result since 2018net €79k ▲467%
Operating result €129k, net result €79k, both a record.
31-12
Financial Equity above €200kEq €251k ▲45.6%
8 profitable years in a row build equity to €251k.
29-07
NBB filing Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
24-07
NBB filing Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial Weakest financial yearnet €3k ▼63.8%
Net result drops to €3k, the lowest in the series; recovery starts the following year.
24-07
NBB filing Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial Equity above €150kEq €156k ▲5.3%
5 profitable years in a row build equity to €156k.
29-07
NBB filing Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-09
NBB filing Annual accounts filed
fiscal year 2020 · abbreviated schema · 61 days late
2020
31-08
NBB filing Annual accounts filed
fiscal year 2019 · abbreviated schema · 31 days late
2019
31-12
Financial Equity above €100kEq €116k ▲81.2%
2 profitable years in a row build equity to €116k.
Show earlier events
28-06
NBB filing Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
31-07
NBB filing Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
31-08
NBB filing Annual accounts filed
fiscal year 2016 · abbreviated schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts

We know of 6 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.

Have them read with priority Sign in to place this company at the front of the reading queue.

Directors · office · real estate

Directors
6 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, Willebroek · 1 establishment unit since 1999
seat establishment The establishment unit on the map
Ground area
964 m²
Building footprint
239 m²
Parcel 12036A0416/00N002, Flanders. Linked by address, not a title deed.
2 companies at this address See who is registered here
1 establishment unit
CURUS
Baeckelmansstraat 116, 2830 WillebroekInsurance, reinsurance and pension funding, except compulsory social security
since 19992.091.142.925
1 parcel
Flanders 1 (100%)
Parcel (capakey) Region Area Buildings Height / fl.
12036A0416/00N002 Flanders 964 m² 1 · 238 m² -
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.

Similar companies · same sector, comparable size

Of 82,632 companies in sector 70200 we hold annual accounts for 52,575. 38,899 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Identification & contact

Identification
Legal formPublic limited company
Founded14-04-1999
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy

Scores and ratios are computed by Checked and are not a credit decision.