Custers Kathleen
ActiveSummary
Custers Kathleen has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2024 annual accounts show equity of €65k and a net result of €5k. Equity is growing by ~13.2% per year across the filed fiscal years. Its solvency ranks better than 19% of 19908 sector peers (fiscal year 2024). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2024
81
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2023
Profitability71▼-2
Solvency53▲+4
Growth52=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €5k at 30 days acceptable
Liquidity ample (current ratio 3.65 against 3.63 in 2023; short-term debt: 13.6% and cash: 34.9% of total assets), but 72.4% 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+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 →
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
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2024Solvency, return and age of the figures
Solvency
27.6%
Return on assets
2%
Age of the figures
21 mo
raises risk · Weak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 19% of 19908 sector peers (2024).
NBB · sector comparisonPosition among 19908 sector peers
Solvency
better than 19%
← weakest
strongest →
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 11-06-2025, 50 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
not confirmed
2024
50 d early
2023
40 d early
2022
26 d early
2021
18 d late
2020
5 d late
2019
1 d early
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€65k▲ 8.0%
2023 · €60k
2018: €15k
2019: €39k
2020: €42k
2021: €38k
2022: €51k
2023: €60k
2018 → 2024
Total assets
€236k▼ 6.2%
2023 · €252k
2018: €306k
2019: €329k
2020: €305k
2021: €281k
2022: €269k
2023: €252k
2018 → 2024
Net result
€5k▼ 49.3%
2023 · €9k
2018: €26k
2019: €23k
2020: €4k
2021: €-4k
2022: €12k
2023: €9k
2018 → 2024
Working capital
€85k▲ 7.1%
2023 · €80k
2018: €34k
2019: €60k
2020: €61k
2021: €62k
2022: €65k
2023: €80k
2018 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20202021202220232024Trend
Equity€42k-€38k▼ 9.3%€51k▲ 32.4%€60k▲ 18.6%€65k▲ 8.0%
Operating result€13k-€5k▼ 63.3%€25k▲ 437%€20k▼ 19.4%€10k▼ 49.8%
Net result€4k-€-4k€12k€9k▼ 24.0%€5k▼ 49.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2024 is 50% below 2023.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €236k
Fixed assets
€119k ▼ 16.3%
Current assets
€117k ▲ 6.8%
Equity and liabilities €236k
Equity
€65k ▲ 8.0%
Debt
€171k ▼ 10.7%
Debt's share of the balance-sheet total falls from 76.0% to 72.4%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€34k▼
2023 · €48k
Cash flow
€29k▼
2023 · €38k
Current ratio
3.65▲
2023 · 3.63
Debt to equity
2.62▼
2023 · 3.17
ROE
7.4%▼
2023 · 15.7%
ROA
2.0%▼
2023 · 3.8%
Interest coverage
7.11▼
2023 · 9.72
Debt ≤ 1 year
€32k▲
2023 · €30k
Debt > 1 year
€139k▼
2023 · €161k
Income taxes
€5k▼
2023 · €6k
Staff costs
€15k▲
2023 · €14k
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Filed annual accounts As filed with the NBB · 2024 against 2023 · 45 lines
Balance sheet
Code20232024
Assets
Total assets20/58€252k€236k▼
Fixed assets21/28€142k€119k▼
Tangible fixed assets22/27€142k€119k▼
Land and buildings22€135k€115k▼
Plant, machinery and equipment23€4k€3k▼
Furniture and vehicles24€3k€746▼
Current assets29/58€110k€117k▲
Amounts receivable within one year40/41€7k€11k▲
Trade receivables40€6k€11k▲
Other amounts receivable41€2k-
Current investments50/53€13k€23k▲
Cash at bank and in hand54/58€87k€83k▼
Deferred charges and accrued income490/1€2k€2k▼
Equity and liabilities
Total equity and liabilities10/49€252k€236k▼
Equity10/15€60k€65k▲
Contributions10/11€7k€7k=
Reserves13€53k€58k▲
Distributable reserves133€53k€58k▲
Amounts payable17/49€191k€171k▼
Amounts payable after more than one year17€161k€139k▼
Financial debts170/4€161k€139k▼
Amounts payable within one year42/48€30k€32k▲
Current portion of amounts payable after more than one year42€24k€22k▼
Trade debts44€434€745▲
Suppliers440/4€434€745▲
Taxes, remuneration and social security45€3k€6k▲
Taxes450/3-€2k
Remuneration and social security454/9€3k€3k▲
Other amounts payable47/48€3k€3k▲
Income statement
Code20232024
Remuneration, social security and pensions62€14k€15k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€29k€24k▼
Other operating charges640/8€2k€2k▼
Gross operating margin9900€65k€51k▼
Operating profit (loss)9901€20k€10k▼
Financial income75/76B€267€4k▲
Recurring financial income75€267€4k▲
Financial charges65/66B€5k€5k▼
Recurring financial charges65€5k€5k▼
Profit (loss) for the period before taxes9903€15k€9k▼
Income taxes67/77€6k€5k▼
Profit (loss) for the period9904€9k€5k▼
Profit (loss) for the period to be appropriated9905€9k€5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€9k€5k▼
Transfer to equity691/2€9k€5k▼
To other reserves6921€9k€5k▼
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
11-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
21-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
05-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Back to profitnet €12k
Net result €12k after one loss-making year.
18-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 18 days late
2021
31-12
Financial
Weakest financial yearnet €-4k ▼206%
Net result drops to €-4k, the lowest in the series; recovery starts the following year.
05-08
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 5 days late
2020
30-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
13-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
14-06
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
24-08
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema · 24 days late
2016
22-08
NBB filing
Annual accounts filed
fiscal year 2015 · abbreviated schema · 22 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
3 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, Dilsen-Stokkem · 1 establishment unit since 2004
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.
Europalaan 623650 Dilsen-StokkemGround area
1,129 m²
Building footprint
262 m²
Volume, LiDAR
1,210 m³
Parcel 72005B0403/00D000, Flanders · tallest building 9.5 m, ±1 floor. Linked by address, not a title deed.
1 establishment unit
Custers Kathleen
since 20042.301.950.649
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72005B0403/00D000 | Flanders | 1,129 m² | 1 · 262 m² | 9.5 m · 1 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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CABINET BRAUN ROMAIN
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Of 6,942 companies in sector 86230 we hold annual accounts for 4,291. 3,314 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded24-03-2004
Fiscal year end31-12
Activities, NACEBEL 2025
86230Dental practice
47741Retail sale of medical and orthopaedic goods, excluding prescription glasses and lenses
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.