KATASTROF
ActiveKATASTROF has been active since 1982 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €234k and a net result of €58k. Equity remains stable across the filed fiscal years (±0.5% per year). Its solvency ranks better than 76% of 4126 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.3% (very low).
Checked score
Score 2025
93
/ 100
Excellent▼ -7 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency99▲+2
Growth78=
Stability100
Bankruptcy probability, 12 months
0.3%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €22k at 30 days acceptable
Liquidity ample (current ratio 2.31 against 1.98 in 2024), and 37.2% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises 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
raises risk · 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 →
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
62.8%
Return on assets
15.5%
Age of the figures
9 mo
lowers risk · Growing equity
Equity grew over 2023-2025. Profits are largely retained rather than distributed.
NBB · annual accounts 2025Equity per financial year
1819202122232425
2018 to 2025 · latest year €234k
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 10-07-2026, 21 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
21 d early
2024
45 d early
2023
58 d early
2022
56 d early
2021
23 d early
2020
33 d early
2019
45 d early
← 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
16-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, full schema
Turnover
Not included in this filing
EBIT margin
Not included in this filing
Net result
€58k▼ 38.3%
2024 · €94k
2018: €1k
2019: €30k
2020: €28k
2021: €14k
2022: €-11k
2023: €-30k
2024: €94k
2018 → 2025
Working capital
€163k▲ 25.9%
2024 · €129k
2018: €182k
2019: €204k
2020: €234k
2021: €224k
2022: €215k
2023: €53k
2024: €129k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€268k-€257k▼ 4.1%€114k▼ 55.8%€208k▲ 82.8%€234k▲ 13.0%
Operating result€18k-€-10k€-30k▼ 203%€119k€88k▼ 25.8%
Net result€14k-€-11k€-30k▼ 175%€94k€58k▼ 38.3%
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 26% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €373k
Fixed assets
€86k▼ 16.3%
Current assets
€287k▲ 10.0%
Equity and liabilities €373k
Equity
€234k▲ 13.0%
Debt
€139k▼ 11.2%
The debt ratio falls from 43.0% to 37.2%: equity grows while debt is paid down.
Key figures and ratios
EBITDA
€105k▼
2024 · €133k
Cash flow
€75k▼
2024 · €108k
Solvency
62.8%▲
2024 · 57.0%
Current ratio
2.31▲
2024 · 1.98
Quick ratio
2.31▲
2024 · 1.98
Debt / equity
0.59▼
2024 · 0.75
ROE
24.7%▼
2024 · 45.3%
ROA
15.5%▼
2024 · 25.8%
Interest coverage
29.29▼
2024 · 75.45
Debt
€139k▼
2024 · €156k
Debt ≤ 1 year
€124k▼
2024 · €131k
Debt > 1 year
€5k▼
2024 · €16k
Income taxes
€28k▲
2024 · €25k
Staff costs
€151k▼
2024 · €152k
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€364k€373k▲
Fixed assets21/28€103k€86k▼
Intangible fixed assets21€4k€2k▼
Tangible fixed assets22/27€99k€84k▼
Land and buildings22€34k€29k▼
Plant, machinery and equipment23€15k€11k▼
Furniture and vehicles24€3k€2k▼
Other tangible fixed assets26€47k€41k▼
Financial fixed assets28€270€270=
Current assets29/58€261k€287k▲
Amounts receivable within one year40/41€5k€4k▼
Trade receivables40€2k€4k▲
Other amounts receivable41€3k€78▼
Cash at bank and in hand54/58€256k€277k▲
Deferred charges and accrued income490/1€79€6k▲
Equity and liabilities
Total equity and liabilities10/49€364k€373k▲
Equity10/15€208k€234k▲
Contributions10/11€68k€68k=
Capital10€68k€68k=
Issued capital100€68k€68k=
Reserves13€140k€167k▲
Non-distributable reserves130/1€7k€7k=
Legal reserve130€7k€7k=
Tax-exempt reserves132€11k€11k=
Distributable reserves133€122k€149k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€156k€139k▼
Amounts payable after more than one year17€16k€5k▼
Financial debts170/4€16k€5k▼
Amounts payable within one year42/48€131k€124k▼
Current portion of amounts payable after more than one year42€10k€10k▲
Trade debts44€70k€82k▲
Suppliers440/4€70k€82k▲
Taxes, remuneration and social security45€52k€32k▼
Taxes450/3€19k€15k▼
Remuneration and social security454/9€33k€17k▼
Other amounts payable47/48-€77
Accrued charges and deferred income492/3€9k€9k▲
Income statement
Code20242025
Remuneration, social security and pensions62€152k€151k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€14k€17k▲
Other operating charges640/8€8k€7k▼
Non-recurring operating charges66A€0-
Gross operating margin9900€292k€263k▼
Operating profit (loss)9901€119k€88k▼
Financial income75/76B€2k€1k▼
Recurring financial income75€2k€1k▼
Financial charges65/66B€2k€4k▲
Recurring financial charges65€2k€4k▲
Profit (loss) for the period before taxes9903€119k€86k▼
Income taxes67/77€25k€28k▲
Profit (loss) for the period9904€94k€58k▼
Profit (loss) for the period to be appropriated9905€94k€58k▼
Appropriation of the result
Profit (loss) to be appropriated9906€53k€58k▲
Profit (loss) brought forward from the previous period14P€-41k€0▲
Transfer from equity791/2€0€31k▲
Transfer to equity691/2€53k€58k▲
To other reserves6921€53k€58k▲
Profit to be distributed694/7€0€31k▲
Return on contributions (dividend)694€0€31k▲
Social balance
Average headcount (FTE)90873.03.9▲
The notes to these accounts (13 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
10-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
16-06
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
31-12
Financial
Back to profitnet €94k
Net result €94k after 2 loss-making years.
31-12
Financial
Equity above €200kEq €208k ▲82.8%
Equity rises from €114k to €208k.
03-06
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
31-12
Financial
Weakest financial yearnet €-30k
Net result drops to €-30k, the lowest in the series; recovery starts the following year.
05-06
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
08-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
28-06
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
16-06
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Equity above €200kEq €229k ▲15.1%
2 profitable years in a row build equity to €229k.
24-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
31-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
30-06
NBB filing
Annual accounts filed
fiscal year 2016 · micro 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, Sint-Martens-Latem · 1 establishment unit since 1982
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.
Xavier De Cocklaan 389831 Sint-Martens-LatemGround area
2,559 m²
Building footprint
1,108 m²
Volume, LiDAR
6,993 m³
Parcel 44015A0362/00E000, Flanders · tallest building 7.4 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
KATASTROF, einde reeksen, tweedehands en outlet
since 19822.120.296.769
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44015A0362/00E000 | Flanders | 2,559 m² | 1 · 1,108 m² | 7.4 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
LARABESKO
BE 0835.089.331
Gent · Eq €234k
NEW CHECK POINT
BE 0423.273.059
Mol · Eq €234k
AGRIPPINA
BE 0821.718.276
Gent · Eq €235k
COMO
BE 0882.563.309
Sint-Katelijne-Waver · Eq €234k
PEIL
BE 0452.860.138
Lille · Eq €235k
Of 6,459 companies in sector 47716 we hold annual accounts for 2,420. 1,709 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded13-05-1982
Fiscal year end31-12
Activities, NACEBEL
47716Retail sale of clothing and accessories for women, men, children and babies (general range)
52421
Sources
Crossroads Bank for EnterprisesNational Bank · 43 filingsAddress and cadastre registers
Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.