EXCELIA TRINITIA
ActiveThe computed 12-month bankruptcy probability of EXCELIA TRINITIA is 2.4% (moderate). The 2025 annual accounts show negative equity (€-67k) and a net result of €-19k. Equity is shrinking by ~68.4% per year across the filed fiscal years. Its solvency ranks better than 10% of 4554 sector peers (fiscal year 2025). The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2025
15
/ 100
Critical▲ +8 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency33▼-1
Growth32=
Stability100
Bankruptcy probability, 12 months
2.4%
Moderate
0%0.5%1.5%4%10%≥ 25%
No credit on open account
Liquidity short (current ratio 0.36 against 0.53 in 2024), and equity is negative.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
+raises risk○neutral
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
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 2025Solvency, return and age of the figures
Solvency
-148.2%
Return on assets
-41.9%
Age of the figures
8 mo
raises risk · Negative equity
Equity is negative for financial year 2025: liabilities exceed assets. This is the trigger point of the alarm-bell procedure (Belgian CAC).
NBB · annual accounts 2025Equity per financial year
19202122232425
2019 to 2025 · latest year -€67k
neutral · A punctual record breaks
This company filed 3 consecutive financial years on time. The year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-08-2026, 28 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 · 7 filingsDeviation from the deadline
2025
28 d late
2024
22 d early
2023
6 d early
2022
13 d early
2021
26 d late
2020
144 d late
2019
138 d late
← before the deadline
after the deadline →
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 monthsPosition in the running window
14-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€-67k▼ 39.4%
2024 · €-48k
2019: €26k
2020: €20k
2021: €23k
2022: €-21k
2023: €-15k
2024: €-48k
2019 → 2025
Total assets
€45k▼ 32.1%
2024 · €67k
2019: €64k
2020: €91k
2021: €94k
2022: €62k
2023: €73k
2024: €67k
2019 → 2025
Net result
€-19k▲ 43.3%
2024 · €-34k
2019: €14k
2020: €-6k
2021: €3k
2022: €-45k
2023: €551
2024: €-34k
2019 → 2025
Working capital
€-72k▼ 34.0%
2024 · €-54k
2019: €25k
2020: €-1k
2021: €11k
2022: €-28k
2023: €-16k
2024: €-54k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€23k-€-21k€-15k▲ 31.5%€-48k▼ 228%€-67k▼ 39.4%
Operating result€6k-€-41k€1k€-33k€-19k▲ 43.4%
Net result€3k-€-45k€551€-34k€-19k▲ 43.3%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €19k in 2025 against €33k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €45k
Fixed assets
€5k▼ 15.0%
Current assets
€41k▼ 33.6%
Key figures and ratios
EBITDA
€-17k▲
2024 · €-32k
Cash flow
€-17k▲
2024 · €-32k
Solvency
-148.2%▼
2024 · -72.2%
Current ratio
0.36▼
2024 · 0.53
Quick ratio
0.36▼
2024 · 0.53
Debt / equity
-1.67▲
2024 · -2.39
ROE
28.3%▼
2024 · 69.5%
ROA
-41.9%▲
2024 · -50.2%
Interest coverage
-81.77▼
2024 · -77.53
Debt
€113k▼
2024 · €115k
Debt ≤ 1 year
€113k▼
2024 · €115k
Income taxes
€141▼
2024 · €174
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€67k€45k▼
Fixed assets21/28€5k€5k▼
Intangible fixed assets21€5k€4k▼
Tangible fixed assets22/27€548€802▲
Plant, machinery and equipment23€81-
Furniture and vehicles24€467€802▲
Current assets29/58€62k€41k▼
Amounts receivable within one year40/41€10k€6k▼
Trade receivables40€10k€6k▼
Other amounts receivable41€203€21▼
Cash at bank and in hand54/58€52k€35k▼
Equity and liabilities
Total equity and liabilities10/49€67k€45k▼
Equity10/15€-48k€-67k▼
Contributions10/11€19k€19k=
Reserves13€12k€12k=
Distributable reserves133€12k€12k=
Profit (loss) carried forward14€-79k€-98k▼
Amounts payable17/49€115k€113k▼
Amounts payable within one year42/48€115k€113k▼
Trade debts44€6k€5k▼
Suppliers440/4€6k€5k▼
Taxes, remuneration and social security45€2k€3k▲
Taxes450/3€2k€3k▲
Other amounts payable47/48€107k€105k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€2k▲
Other operating charges640/8€2k€354▼
Gross operating margin9900€-30k€-16k▲
Operating profit (loss)9901€-33k€-19k▲
Financial charges65/66B€407€206▼
Recurring financial charges65€407€206▼
Profit (loss) for the period before taxes9903€-33k€-19k▲
Income taxes67/77€174€141▼
Profit (loss) for the period9904€-34k€-19k▲
Profit (loss) for the period to be appropriated9905€-34k€-19k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-79k€-98k▼
Profit (loss) brought forward from the previous period14P€-45k€-79k▼
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
Next filing, fiscal year 2026, expected by
2026
28-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 28 days late
2025
09-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
25-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
31-12
Financial
Back to profitnet €551
Net result €551 after one loss-making year.
18-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
31-12
Financial
Weakest financial yearnet €-45k ▼1552%
Net result drops to €-45k, the lowest in the series; recovery starts the following year.
26-08
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 26 days late
2021
31-12
Financial
Back to profitnet €3k
Net result €3k after one loss-making year.
22-12
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 144 days late
2020
16-12
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema · 138 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, Charleroi · 1 establishment unit since 2019
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.
Zoning de Jumet,4ème rue 336040 CharleroiGround area
1.0 ha
Building footprint
3,344 m²
Volume, LiDAR
32,119 m³
2 parcels, Brussels, Wallonia · tallest building 16.4 m, ±5 floors. Linked by address, not a title deed.
1 establishment unit
Steenweg op Waver 562, 1040 Etterbeek
since 20192.285.438.279
2 parcels
Wallonia
1
(50%)
Brussels
1
(50%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 52034B1039/00Z004 | Wallonia | 9,994 m² | 1 · 3,265 m² | 11.1 m · 3 fl. |
| 21364B0027/00G014 | Brussels | 107 m² | 1 · 79 m² | 16.4 m · 5 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 7,001 companies in sector 96999 we hold annual accounts for 600. 402 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded16-01-2019
Fiscal year end31-12
Activities, NACEBEL
96999Other personal services
70200Business and other management consultancy
70220Business consulting
85592Vocational training
86909Human health activities
86995Nutrition and dietetics services
Sources
Crossroads Bank for EnterprisesNational Bank · 7 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.
Contact details
2 entriesE-mail:ramchurnk@hotmail.com
Phone:+32476840036