CY SALES & MARKETING
ActiveSummary
CY SALES & MARKETING has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €356k and a net result of €27k. Equity is growing by ~23% per year across the filed fiscal years. Its solvency ranks better than 55% of 1638 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.4% (very low).
Checked score
Score 2025
69
/ 100
Healthy
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability57▼-10
Solvency74▲+3
Growth78=
Track record100
Bankruptcy probability, 12 months
0.4%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €24k at 30 days acceptable
Liquidity ample (current ratio 2.17 against 2.11 in 2024; short-term debt: 45.4% and cash: 7.6% of total assets), but 51% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
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
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
49%
Return on assets
3.7%
Age of the figures
12 mo
neutral · Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 16-03-2026, 45 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
45 d early
2024
47 d early
2023
46 d early
2022
48 d early
2021
23 d early
2020
35 d early
2019
45 d early
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-09-2026 and is due by 30-04-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
24-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€356k▲ 8.2%
2024 · €329k
2018: €-7k
2019: €31k
2020: €37k
2021: €222k
2022: €244k
2023: €259k
2024: €329k
2018 → 2025
Total assets
€726k▲ 0.4%
2024 · €723k
2018: €452k
2019: €683k
2020: €433k
2021: €747k
2022: €718k
2023: €1.05M
2024: €723k
2018 → 2025
Net result
€27k▼ 61.9%
2024 · €71k
2018: €598
2019: €37k
2020: €6k
2021: €185k
2022: €22k
2023: €14k
2024: €71k
2018 → 2025
Working capital
€386k▲ 3.3%
2024 · €374k
2018: €-11k
2019: €6k
2020: €51k
2021: €217k
2022: €241k
2023: €281k
2024: €374k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€222k-€244k▲ 9.8%€259k▲ 5.9%€329k▲ 27.3%€356k▲ 8.2%
Operating result€297k-€65k▼ 78.0%€45k▼ 31.9%€164k▲ 268%€129k▼ 21.3%
Net result€185k-€22k▼ 88.2%€14k▼ 34.2%€71k▲ 390%€27k▼ 61.9%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 21% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €726k
Fixed assets
€11k ▼ 23.1%
Current assets
€716k ▲ 0.9%
Equity and liabilities €726k
Equity
€356k ▲ 8.2%
Debt
€370k ▼ 6.1%
Debt's share of the balance-sheet total falls from 54.5% to 51.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€136k▼
2024 · €167k
Cash flow
€34k▼
2024 · €74k
Current ratio
2.17▲
2024 · 2.11
Debt to equity
1.04▼
2024 · 1.20
ROE
7.5%▼
2024 · 21.4%
ROA
3.7%▼
2024 · 9.8%
Interest coverage
4.04▼
2024 · 4.33
Debt ≤ 1 year
€330k▼
2024 · €336k
Debt > 1 year
€40k
Income taxes
€32k▼
2024 · €62k
Staff costs
€307k▼
2024 · €342k
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 · 2025 against 2024 · 58 lines
Balance sheet
Code20242025
Assets
Total assets20/58€723k€726k▲
Fixed assets21/28€14k€11k▼
Tangible fixed assets22/27€14k€11k▼
Furniture and vehicles24€14k€11k▼
Current assets29/58€710k€716k▲
Amounts receivable after more than one year29€10k€10k=
Trade receivables290€10k€10k=
Amounts receivable within one year40/41€647k€640k▼
Trade receivables40€54k€489k▲
Other amounts receivable41€593k€150k▼
Current investments50/53€29k-
Cash at bank and in hand54/58€20k€55k▲
Deferred charges and accrued income490/1€3k€11k▲
Equity and liabilities
Total equity and liabilities10/49€723k€726k▲
Equity10/15€329k€356k▲
Contributions10/11€19k€19k=
Outside capital11€19k-
Other1109/19€19k-
Reserves13€280k€306k▲
Non-distributable reserves130/1€2k-
Legal reserve130€2k-
Tax-exempt reserves132€73k€73k=
Distributable reserves133€206k€233k▲
Profit (loss) carried forward14€30k€31k▲
Amounts payable17/49€394k€370k▼
Amounts payable after more than one year17-€40k
Financial debts170/4-€40k
Amounts payable within one year42/48€336k€330k▼
Current portion of amounts payable after more than one year42-€33k
Financial debts43€100k-
Credit institutions430/8€100k-
Trade debts44€78k€150k▲
Suppliers440/4€78k€150k▲
Taxes, remuneration and social security45€104k€94k▼
Taxes450/3€56k€32k▼
Remuneration and social security454/9€48k€63k▲
Other amounts payable47/48€54k€52k▼
Accrued charges and deferred income492/3€58k-
Income statement
Code20242025
Remuneration, social security and pensions62€342k€307k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€3k€7k▲
Other operating charges640/8€11k€5k▼
Gross operating margin9900€520k€449k▼
Operating profit (loss)9901€164k€129k▼
Financial income75/76B€20k€260k▲
Recurring financial income75€20k€5k▼
Non-recurring financial income76B-€255k
Financial charges65/66B€51k€330k▲
Recurring financial charges65€39k€34k▼
Non-recurring financial charges66B€12k€297k▲
Profit (loss) for the period before taxes9903€133k€58k▼
Income taxes67/77€62k€32k▼
Profit (loss) for the period9904€71k€27k▼
Profit (loss) for the period to be appropriated9905€71k€27k▼
Appropriation of the result
Profit (loss) to be appropriated9906€100k€57k▼
Profit (loss) brought forward from the previous period14P€30k€30k▲
Transfer to equity691/2€70k€26k▼
To other reserves6921€70k€26k▼
Social balance
Average headcount (FTE)90878.87.4▼
The notes to these accounts (11 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
16-03
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
14-03
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
15-03
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
13-03
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
07-04
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
30-09
Financial
Highest result since 2018net €185k ▲2847%
Operating result €297k, net result €185k, both a record.
30-09
Financial
Equity above €200kEq €222k ▲501%
4 profitable years in a row build equity to €222k.
26-03
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
16-03
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
18-03
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
04-04
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
31-03
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Gent · 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.
Dendermondsesteenweg 1029000 GentGround area
2,856 m²
Building footprint
191 m²
Volume, LiDAR
388 m³
Parcel 44804D0196/00H005, Flanders · tallest building 15.0 m, ±4 floors. Linked by address, not a title deed.
1 establishment unit
CY SALES & MARKETING
since 20042.137.481.508
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44804D0196/00H005 | Flanders | 2,856 m² | 2 · 191 m² | 15.0 m · 4 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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Of 2,713 companies in sector 73200 we hold annual accounts for 1,783. 1,322 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
Founded30-04-2004
Fiscal year end30-09
Activities, NACEBEL 2025
73200Market research and public opinion polling
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.