Custom Golf

Active

Private limited companyfounded 20197 yrs activeRue Général Mellier 3, 1495 Villers-la-Ville, BelgiumKBO/BCE: BE 0720.634.576

The computed 12-month bankruptcy probability of Custom Golf is 2.0% (moderate). The 2024 annual accounts show equity of €29k and a net result of €2k. Equity is growing by ~16.2% per year across the filed fiscal years. Its solvency ranks better than 74% of 26052 sector peers (fiscal year 2024). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.

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Checked score

Score 2024

62 / 100

Healthy

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2023

Profitability75▼-5

Solvency86▲+7

Growth78=

Track record100

Bankruptcy probability, 12 months

2.0% Moderate

0%0.5%1.5%4%10%≥ 25%

Credit up to €1.5k at 30 days acceptable

Liquidity ample (current ratio 2.04 against 1.91 in 2023; short-term debt: 39.1% and cash: 1.7% of total assets), and 39.1% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Six signals. The signal on the left, the evidence on the right.

+raises risk○neutral

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate sector

In this sector companies fail more often than the Belgian average.

Gazette · bankruptcies per sector, NACE 47

Relative position

BE, all sectors

reference

Sector 47

higher

← fewer bankruptcies more bankruptcies →

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 2024

Solvency, return and age of the figures

Solvency

60.9%

Return on assets

4.7%

Age of the figures

21 mo

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Filed after the deadline

The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 30-09-2025, 61 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 · 5 filings

Deviation from the deadline

2025

not confirmed

2024

61 d late

2023

153 d late

2022

70 d late

2021

120 d late

2019

32 d early

← before the deadline after the deadline →

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

Financials · fiscal year 2024, micro schema

Equity

€29k▲ 8.4%

2023 · €27k

2019: €2k 2021: €25k 2022: €22k 2023: €27k

2019 → 2024

Total assets

€48k▼ 2.9%

2023 · €49k

2019: €25k 2021: €64k 2022: €76k 2023: €49k

2019 → 2024

Net result

€2k▼ 51.0%

2023 · €5k

2019: €-4k 2021: €7k 2022: €-3k 2023: €5k

2019 → 2024

Working capital

€19k▲ 4.1%

2023 · €19k

2019: €8k 2021: €19k 2022: €14k 2023: €19k

2019 → 2024

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20192021202220232024Trend

Equity€2k-€25k▲ 1,353%€22k▼ 10.7%€27k▲ 20.8%€29k▲ 8.4%

Operating result€-4k-€8k€535▼ 93.6%€6k▲ 1,108%€2k▼ 62.0%

Net result€-4k-€7k€-3k€5k€2k▼ 51.0%

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 2024; 2024 is 62% below 2023.

Balance-sheet composition

2024 in colour, 2023 as the grey bar beneath

Assets €48k

20.2%

79.8%

Fixed assets €10k▼ 3.8%

Current assets €38k▼ 2.7%

Equity and liabilities €48k

60.9%

39.1%

Equity €29k▲ 8.4%

Debt €19k▼ 16.6%

The debt ratio falls from 45.5% to 39.1%. Equity is higher and debt is lower.

Key figures and ratios

2024 value · change against 2023

EBITDA

€6k▼

2023 · €10k

Cash flow

€6k▼

2023 · €8k

Solvency

60.9%▲

2023 · 54.5%

Current ratio

2.04▲

2023 · 1.91

Quick ratio

0.75▼

2023 · 0.78

Debt / equity

0.64▼

2023 · 0.84

ROE

7.8%▼

2023 · 17.2%

ROA

4.7%▼

2023 · 9.4%

Interest coverage

15.14▲

2023 · 8.82

Debt

€19k▼

2023 · €22k

Debt ≤ 1 year

€19k▼

2023 · €20k

Income taxes

€98▼

2023 · €978

Staff costs

€39

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 · 2024 against 2023

Balance sheet Code20232024

Assets

Total assets20/58€49k€48k▼

Formation expenses20€26-

Fixed assets21/28€10k€10k▼

Tangible fixed assets22/27€10k€10k▼

Furniture and vehicles24€7k€8k▲

Other tangible fixed assets26€3k€2k▼

Current assets29/58€39k€38k▼

Stocks and contracts in progress3€23k€24k▲

Stocks30/36€23k€24k▲

Amounts receivable within one year40/41€13k€13k▲

Trade receivables40€13k€13k▲

Cash at bank and in hand54/58€3k€822▼

Equity and liabilities

Total equity and liabilities10/49€49k€48k▼

Equity10/15€27k€29k▲

Contributions10/11€6k€6k=

Profit (loss) carried forward14€21k€23k▲

Amounts payable17/49€22k€19k▼

Amounts payable after more than one year17€2k-

Financial debts170/4€2k-

Amounts payable within one year42/48€20k€19k▼

Current portion of amounts payable after more than one year42€3k€2k▼

Trade debts44€7k€6k▼

Suppliers440/4€7k€6k▼

Advances received on contracts in progress46€5k€5k=

Taxes, remuneration and social security45€2k€3k▲

Taxes450/3€2k€3k▲

Other amounts payable47/48€2k€3k▲

Income statement Code20232024

Remuneration, social security and pensions62-€39

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€4k€3k▼

Other operating charges640/8€595€733▲

Gross operating margin9900€11k€7k▼

Operating profit (loss)9901€6k€2k▼

Financial income75/76B€286€282▼

Recurring financial income75€286€282▼

Financial charges65/66B€1k€388▼

Recurring financial charges65€1k€388▼

Profit (loss) for the period before taxes9903€6k€2k▼

Income taxes67/77€978€98▼

Profit (loss) for the period9904€5k€2k▼

Profit (loss) for the period to be appropriated9905€5k€2k▼

Appropriation of the result

Profit (loss) to be appropriated9906€21k€23k▲

Profit (loss) brought forward from the previous period14P€16k€21k▲

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 7Financial 2Filings 5

2025

30-09

NBB filing Annual accounts filed

fiscal year 2024 · micro schema · 61 days late

2024

31-12

NBB filing Annual accounts filed

fiscal year 2023 · micro schema · 153 days late

2023

31-12

Financial Back to profitnet €5k

Net result €5k after one loss-making year.

09-10

NBB filing Annual accounts filed

fiscal year 2022 · micro schema · 70 days late

2022

28-11

NBB filing Annual accounts filed

fiscal year 2021 · micro schema · 120 days late

2021

31-12

Financial Back to profitnet €7k

Net result €7k after one loss-making year.

2020

29-06

NBB filing Annual accounts filed

fiscal year 2019 · micro schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

2 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, Villers-la-Ville · 1 establishment unit since 2019

establishment The establishment unit on the map

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 Général Mellier 31495 Villers-la-Ville

Ground area

1,124 m²

Building footprint

124 m²

Volume, LiDAR

685 m³

Parcel 25102C0313/00X000, Wallonia · tallest building 9.2 m, ±2 floors. Linked by address, not a title deed.

1 establishment unit

Custom Golf

Rue Général Mellier 3, 1495 Villers-la-VilleRetail sale of games and toys

since 20192.289.256.913

1 parcel

Wallonia 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
25102C0313/00X000	Wallonia	1,124 m²	1 · 124 m²	9.2 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.

Similar companies · same sector, comparable size

LURED WATER-EN HENGELSPORT

Of 1,314 companies in sector 47639 we hold annual accounts for 624. 436 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded12-02-2019

Fiscal year end31-12

Activities, NACEBEL

47639Retail sale of other sporting goods

47640Retail trade

90021Arts creation and performing arts activities

90391Promotion and organisation of arts and performing arts events

95290Repair and maintenance of other personal and household goods

Sources

Crossroads Bank for EnterprisesNational Bank · 5 filingsAddress and cadastre registers

Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.