Cyriac Borloo
ActiveCyriac Borloo has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €147k and a net result of €49k. Equity is growing by ~53.3% per year across the filed fiscal years. Its solvency ranks better than 69% of 12627 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
100
/ 100
Excellent= vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency100=
Growth78=
Stability94
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €15k at 30 days acceptable
Liquidity ample (current ratio 4.43 against 4.4 in 2024), and 26.5% 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 69
Relative position
BE, all sectors
reference
Sector 69
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
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
73.5%
Return on assets
24.5%
Age of the figures
11 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 31-03-2026, 30 days ahead of the deadline.
NBB · 4 filingsDeviation from the deadline
2025
30 d early
2024
29 d early
2023
28 d early
2022
27 d early
← before the deadline
after the deadline →
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
13-09-2026 today30-09-2026 close30-04-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€147k▲ 49.9%
2024 · €98k
2022: €23k
2023: €57k
2024: €98k
2022 → 2025
Total assets
€200k▲ 34.3%
2024 · €149k
2022: €29k
2023: €115k
2024: €149k
2022 → 2025
Net result
€49k▲ 18.7%
2024 · €41k
2022: €22k
2023: €34k
2024: €41k
2022 → 2025
Working capital
€127k▲ 64.5%
2024 · €77k
2022: €23k
2023: €33k
2024: €77k
2022 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line2022202320242025Trend
Equity€23k-€57k▲ 147%€98k▲ 72.5%€147k▲ 49.9%
Operating result€30k-€48k▲ 59.6%€58k▲ 20.7%€67k▲ 15.3%
Net result€22k-€34k▲ 53.6%€41k▲ 21.9%€49k▲ 18.7%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen three years in a row; 2025 is 15% above 2024 and is the highest year so far.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €200k
Fixed assets
€36k▼ 27.0%
Current assets
€165k▲ 64.1%
Equity and liabilities €200k
Equity
€147k▲ 49.9%
Debt
€53k▲ 4.3%
The debt ratio falls from 34.2% to 26.5%: equity grows faster than debt.
Key figures and ratios
EBITDA
€84k▲
2024 · €74k
Cash flow
€66k▲
2024 · €57k
Solvency
73.5%▲
2024 · 65.8%
Current ratio
4.43▲
2024 · 4.40
Quick ratio
4.43▲
2024 · 4.40
Debt / equity
0.36▼
2024 · 0.52
ROE
33.3%▼
2024 · 42.0%
ROA
24.5%▼
2024 · 27.7%
Interest coverage
100.71▲
2024 · 64.30
Debt
€53k▲
2024 · €51k
Debt ≤ 1 year
€37k▲
2024 · €23k
Debt > 1 year
€15k▼
2024 · €28k
Income taxes
€20k▲
2024 · €16k
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€149k€200k▲
Fixed assets21/28€49k€36k▼
Tangible fixed assets22/27€49k€36k▼
Plant, machinery and equipment23€5k€4k▼
Furniture and vehicles24€43k€32k▼
Current assets29/58€100k€165k▲
Amounts receivable within one year40/41€9k€35k▲
Trade receivables40€8k€34k▲
Other amounts receivable41€2k€408▼
Current investments50/53€68k€112k▲
Cash at bank and in hand54/58€21k€17k▼
Deferred charges and accrued income490/1€1k-
Equity and liabilities
Total equity and liabilities10/49€149k€200k▲
Equity10/15€98k€147k▲
Contributions10/11€1k€1k=
Reserves13€97k€146k▲
Distributable reserves133€97k€146k▲
Amounts payable17/49€51k€53k▲
Amounts payable after more than one year17€28k€15k▼
Financial debts170/4€28k€15k▼
Amounts payable within one year42/48€23k€37k▲
Current portion of amounts payable after more than one year42€13k€13k▲
Trade debts44€1k€4k▲
Suppliers440/4€1k€4k▲
Advances received on contracts in progress46€218€12k▲
Taxes, remuneration and social security45€8k€7k▼
Taxes450/3€8k€7k▼
Other amounts payable47/48-€627
Accrued charges and deferred income492/3-€1k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€16k€17k▲
Other operating charges640/8€499€513▲
Gross operating margin9900€75k€85k▲
Operating profit (loss)9901€58k€67k▲
Financial income75/76B€448€2k▲
Recurring financial income75€448€2k▲
Financial charges65/66B€1k€838▼
Recurring financial charges65€1k€838▼
Profit (loss) for the period before taxes9903€58k€69k▲
Income taxes67/77€16k€20k▲
Profit (loss) for the period9904€41k€49k▲
Profit (loss) for the period to be appropriated9905€41k€49k▲
Appropriation of the result
Profit (loss) to be appropriated9906€41k€49k▲
Transfer to equity691/2€41k€49k▲
To other reserves6921€41k€49k▲
The notes to these accounts (6 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
31-03
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
30-09
Financial
Highest result since 2022net €49k ▲18.7%
Operating result €67k, net result €49k, both a record.
30-09
Financial
Equity above €100kEq €147k ▲49.9%
4 profitable years in a row build equity to €147k.
01-04
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
02-04
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
03-04
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Oostende · 1 establishment unit since 2022
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.
Stuiverstraat 2428400 OostendeGround area
223 m²
Building footprint
111 m²
Volume, LiDAR
894 m³
Parcel 35383C0363/00C005, Flanders · tallest building 16.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Cyriac Borloo
since 20222.331.836.943
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35383C0363/00C005 | Flanders | 223 m² | 1 · 111 m² | 16.1 m · 3 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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RS LEGAL
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CORNELISSEN ADVOCATEN
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Of 22,018 companies in sector 69101 we hold annual accounts for 9,028. 7,511 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded01-06-2022
Fiscal year end30-09
Activities, NACEBEL
69101Activities of lawyers
Sources
Crossroads Bank for EnterprisesNational Bank · 4 filingsAddress and cadastre registers
Data from official sources, last processed on 13-09-2026. Scores and ratios are computed by Checked and are not a credit decision.