Kurt Ceuppens
ActiveSummary
Kurt Ceuppens has been active since 2013 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €2.72M and a net result of €520k. Equity is growing by ~27.4% per year across the filed fiscal years. Its solvency ranks better than 77% of 8663 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
85
/ 100
Excellent
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability88=
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €230k at 30 days acceptable
Liquidity ample (current ratio 6.72 against 8.01 in 2024; short-term debt: 12.1% and cash: 1% of total assets), and 18.3% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 70
Relative position
BE, all sectors
reference
Sector 70
lower
← 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
81.7%
Return on assets
15.6%
Age of the figures
12 mo
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
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 29-04-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
1 d early
2023
on the day
2022
3 d late
2021
3 d late
2020
18 d late
2019
21 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
€2.72M▲ 11.4%
2024 · €2.44M
2018: €164k
2019: €405k
2020: €692k
2021: €1.11M
2022: €1.70M
2023: €2.02M
2024: €2.44M
2018 → 2025
Total assets
€3.33M▲ 11.0%
2024 · €3.00M
2018: €495k
2019: €736k
2020: €1.14M
2021: €1.45M
2022: €2.24M
2023: €2.47M
2024: €3.00M
2018 → 2025
Net result
€520k▲ 10.1%
2024 · €473k
2018: €57k
2019: €243k
2020: €286k
2021: €442k
2022: €587k
2023: €368k
2024: €473k
2018 → 2025
Working capital
€2.31M▲ 11.9%
2024 · €2.06M
2018: €166k
2019: €371k
2020: €584k
2021: €984k
2022: €1.41M
2023: €1.69M
2024: €2.06M
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.11M-€1.70M▲ 52.8%€2.02M▲ 19.1%€2.44M▲ 20.6%€2.72M▲ 11.4%
Operating result€638k-€914k▲ 43.3%€554k▼ 39.4%€721k▲ 30.2%€598k▼ 17.0%
Net result€442k-€587k▲ 32.9%€368k▼ 37.3%€473k▲ 28.4%€520k▲ 10.1%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 17% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €3.33M
Fixed assets
€622k ▼ 3.9%
Current assets
€2.71M ▲ 15.1%
Equity and liabilities €3.33M
Equity
€2.72M ▲ 11.4%
Debt
€610k ▲ 9.1%
Debt's share of the balance-sheet total falls from 18.6% to 18.3%. Equity and debt are higher.
Key figures and ratios
EBITDA
€623k▼
2024 · €745k
Cash flow
€545k▲
2024 · €496k
Current ratio
6.72▼
2024 · 8.01
Debt to equity
0.22▼
2024 · 0.23
ROE
19.1%▼
2024 · 19.4%
ROA
15.6%▼
2024 · 15.7%
Interest coverage
51.49▲
2024 · 7.31
Debt ≤ 1 year
€403k▲
2024 · €294k
Debt > 1 year
€207k▼
2024 · €265k
Income taxes
€214k▼
2024 · €216k
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 · 55 lines
Balance sheet
Code20242025
Assets
Total assets20/58€3.00M€3.33M▲
Fixed assets21/28€647k€622k▼
Tangible fixed assets22/27€311k€286k▼
Land and buildings22€238k€231k▼
Furniture and vehicles24€11k€5k▼
Other tangible fixed assets26€62k€50k▼
Financial fixed assets28€336k€336k=
Current assets29/58€2.35M€2.71M▲
Amounts receivable within one year40/41€1.16M€1.26M▲
Trade receivables40€21k€30k▲
Other amounts receivable41€1.14M€1.23M▲
Current investments50/53€1.13M€1.41M▲
Cash at bank and in hand54/58€54k€34k▼
Deferred charges and accrued income490/1€4k€4k▲
Equity and liabilities
Total equity and liabilities10/49€3.00M€3.33M▲
Equity10/15€2.44M€2.72M▲
Contributions10/11€19k€19k=
Outside capital11€19k-
Other1109/19€19k-
Reserves13€2.40M€2.68M▲
Distributable reserves133€2.40M€2.68M▲
Profit (loss) carried forward14€25k€25k▲
Amounts payable17/49€559k€610k▲
Amounts payable after more than one year17€265k€207k▼
Financial debts170/4€265k€207k▼
Amounts payable within one year42/48€294k€403k▲
Current portion of amounts payable after more than one year42€72k€73k▲
Financial debts43€3k€4k▲
Credit institutions430/8€3k€4k▲
Trade debts44€2k€2k▲
Suppliers440/4€2k€2k▲
Taxes, remuneration and social security45€195k€200k▲
Taxes450/3€195k€200k▲
Other amounts payable47/48€23k€124k▲
Accrued charges and deferred income492/3€200€171▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€24k€25k▲
Other operating charges640/8€2k€2k▼
Gross operating margin9900€747k€625k▼
Operating profit (loss)9901€721k€598k▼
Financial income75/76B€69k€148k▲
Recurring financial income75€69k€148k▲
Financial charges65/66B€102k€12k▼
Recurring financial charges65€102k€12k▼
Profit (loss) for the period before taxes9903€689k€734k▲
Income taxes67/77€216k€214k▼
Profit (loss) for the period9904€473k€520k▲
Profit (loss) for the period to be appropriated9905€473k€520k▲
Appropriation of the result
Profit (loss) to be appropriated9906€497k€545k▲
Profit (loss) brought forward from the previous period14P€24k€25k▲
Transfer from equity791/2€55k€241k▲
Transfer to equity691/2€472k€520k▲
To other reserves6921€472k€520k▲
Profit to be distributed694/7€55k€241k▲
Return on contributions (dividend)694€55k€241k▲
Social balance
Average headcount (FTE)9087-0.0
The notes to these accounts (12 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
29-04
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
29-04
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema
2024
30-04
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-09
Financial
Equity above €2MEq €2.02M ▲19.1%
6 profitable years in a row build equity to €2.02M.
03-05
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 3 days late
2022
30-09
Financial
Highest result since 2018net €587k ▲32.9%
Operating result €914k, net result €587k, both a record.
03-05
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema · 3 days late
2021
30-09
Financial
Liquidity doublescurrent ratio 8.84
Current ratio from 3.73 to 8.84; short-term debt falls from €214k to €126k.
30-09
Financial
Equity above €1MEq €1.11M ▲60.9%
4 profitable years in a row build equity to €1.11M.
18-05
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema · 18 days late
2020
30-09
Financial
Equity above €500kEq €692k ▲70.6%
3 profitable years in a row build equity to €692k.
09-04
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
Show earlier events
2019
30-09
Financial
Liquidity triplescurrent ratio 7.81
Current ratio from 2.73 to 7.81; short-term debt falls from €96k to €55k.
30-09
Financial
Equity above €200kEq €405k ▲148%
2 profitable years in a row build equity to €405k.
02-05
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema · 2 days late
2018
15-05
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema · 15 days late
2017
08-05
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 8 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, Dilbeek · 1 establishment unit since 2013
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.
Sint-Martinusstraat 351700 DilbeekGround area
2,804 m²
Building footprint
170 m²
Parcel 23074C0023/00F000, Flanders · tallest building 0.1 m. Linked by address, not a title deed.
1 establishment unit
Sint-Martinusstraat 35, 1700 Dilbeek
since 20132.216.694.082
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23074C0023/00F000 | Flanders | 2,804 m² | 1 · 170 m² | 0.1 m |
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.
Recognitions · licences · registrations
Legal Entity Identifier
254900N6NCMZ7EVA8R38
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 16,824 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
Founded16-01-2013
Fiscal year end30-09
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 12 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.