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Checked processes every Belgian company, act by act, from the Belgian Official Gazette. The data below is real and verified, this company's full, act-by-act verified dossier is still being assembled.
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Summary
Conclusion
the dossier summarised in one paragraphSummitCo is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €13.14M and a net result of €-251k. Its solvency ranks better than 80% of 498 sector peers (fiscal year 2025). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 2 annual accounts.
Signals
1 signal · with evidenceStrong solvency vs sector
Solvency is in the sector's strongest quartile: better than 80% of 498 peers (2025). A comfortable equity buffer.
View the sector comparison Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Filing behaviour
From the deposit records, complete market-wideLatest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 05-06-2026, 56 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
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.
How we compute the deadline
The year end is derived from 2 filed financial years, each closing on 31-12. The statutory deadline is seven months after the close of the financial year (art. 3:10 par. 1 CAC, art. 3:47 par. 7 for ASBL and foundations). Applied to the financial year that closed on 31-12-2025, that is 31-07-2026.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | 05-06-2026 | 56 d early | 2026-00138834 |
| 31-12-2024 | 31-07-2025 | 27-06-2025 | 34 d early | 2025-00184911 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsYoung company
Founded in 2024, under 3 years, statistically higher risk.
No legal incidents
No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad, and the KBO register records a normal legal situation.
Administrative Flags
No administrative flags
Bankruptcy probability (12 mo)
Checked model v1 · free for everyoneThis is a financial institution (bank, insurer or financial holding). Our bankruptcy model is trained on ordinary trading and manufacturing companies; a bank balance sheet falls outside that scope. We therefore show no bankruptcy probability rather than a misleading figure.
Financials
Equity€13.14M-0.7%
Net result€-251k+7.9%
Total assets€16.68M+0.8%
Solvency78.7%-1.2pp
Annual accounts & ratios
Source: NBB · 2025Annual accounts filed on 05-06-2026 with the NBB · fiscal year 2025 · verkort
Sector comparison
Fiscal year 2025 · NACE 64, Financial services · compared within the same schema type (abbreviated schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 78.7% | 43.2% | |
| Net result | €-251k | €68k | |
| Equity | €13.14M | €492k | |
| Gross operating margin | €16k | €83k | |
| Employees (FTE) | 0.0 | 0.0 |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
€-251k
+7.9%
24-25
€16.68M
+0.8%
24-25
€13.14M
-0.7%
24-25
0
-
24-25
€3.55M
+6.7%
24-25
€623k
-6.4%
24-25
€2.66M
+6.3%
24-25
78.7%
-1.5%
24-25
-1.9%
+7.3%
24-25
-1.5%
+8.6%
24-25
Figures by fiscal year
| Fiscal year | 2025 |
|---|---|
| Deposit | verkort |
| Revenue | n/a |
| EBITDA | n/a |
| Net profit | €-251k |
| Cash flow | n/a |
| Staff costs | - |
| Income taxes | - |
| Dividends | - |
| Total assets | €16.68M |
| Equity | €13.14M |
| Debt | €3.55M |
| of which ≤ 1y | €623k |
| of which > 1y | €2.66M |
| Working capital | n/a |
| Employees (FTE) | 0.0 |
Ratios (computed)
| 2025 | |
|---|---|
| Current ratio | n/a |
| Quick ratio | n/a |
| Working capital ratio | n/a |
| Solvency | 78.7% |
| Debt / equity | n/a |
| Long-term debt ratio | n/a |
| Interest coverage | n/a |
| Gross margin | n/a |
| Net margin | n/a |
| ROA | -1.5% |
| ROE | -1.9% |
| EBITDA margin | n/a |
| Days sales outstanding | n/a |
| Days payable outstanding | n/a |
| Inventory turnover | n/a |
| Days inventory (DSI) | n/a |
Balance-sheet composition 2025
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €16.68M |
| Fixed assets | 21/28 | €16.36M |
| Intangible fixed assets | 21 | €5k |
| Financial fixed assets | 28 | €16.36M |
| Current assets | 29/58 | €321k |
| Amounts receivable within one year | 40/41 | €231k |
| Cash & bank | 54/58 | €88k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €16.68M |
| Equity | 10/15 | €13.14M |
| Contributions / capital | 10/11 | €13.66M |
| Accumulated profits (losses) | 14 | €-524k |
| Amounts payable | 17/49 | €3.55M |
| Amounts payable after one year | 17 | €2.66M |
| Amounts payable within one year | 42/48 | €623k |
| Trade debts payable within one year | 44 | €247k |
| Income statement | ||
| Gross operating margin | 9900 | €16k |
| Operating result | 9901 | €15k |
| Financial charges | 65 | €266k |
| Result before taxes | 9903 | €-251k |
| Net result for the period | 9904 | €-251k |
| Result to be appropriated | 9905 | €-251k |
You're seeing the latest fiscal year only. Unlock 1 prior year (figures + ratios) with a paid plan.
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Ratios computed by Checked.
Health barometer
FY 2025 · computedModel not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here.
Directors
Directors & mandates
under verificationDirectors derived from a single State Gazette act, under verification
All 3 current directors first appear in the same act (24400831). Founders or capital subscribers may have been counted as directors here; the real board composition is being verified.
Current directors & mandates
-
Current29-05-2024 → present
-
Down2Earth Capital IILegal entityDirector· perm. rep.: KEPPENS Alain Georges ElisabethState Gazette act 24400831 (29-05-2024)Current29-05-2024 → present
-
Current29-05-2024 → present
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.
Statutory auditor
1 auditor| Statutory auditor | IRE/IBR number | Tenure |
|---|---|---|
| Baker Tilly BedrijfsrevisorenCurrent Company auditor · represented by Christel DE BLANDER |
- | 10-01-2025 → present |
Appointed statutory auditor from the Belgian State Gazette. The IRE/IBR number refers to the register of the Institute of Registered Auditors.
Insolvency mandates
No insolvency mandates (liquidators, administrators) on record for this company.
Legal Structure
| NACE primary | Activiteiten van holdings(64210) |
| Legal form | Private limited company(610) |
| Incorporation | 29-04-2024 |
| Status | Active |
| Postal code | 9690 |
Structure & network
Connections & network
4 connected companiesGroup structure
Parent · 3 subsidiaries · 1 location
Control→
Parent · 2 subsidiaries · 1 location
Control→
Network connections
Shared corporate director
→
Shared corporate director
→
Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.
Locations & real estate
Registered office
on the map · from the address register
seat.Municipality
exact location from the address register
Establishment units
1 locationSummitCo
since 20242.359.671.686
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area1,310 m²
Real-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 45002A0758/00F003 | Flanders | 1,309 m² | - | - |
Methodology
via registered seat: 1
1 of 1 parcels with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Publications
Lifecycle & Insolvency Signals
No insolvency signals in the Belgian State Gazette
Belgisch Staatsblad · acts
6 acts Address history · 1
18-02-2026
v3.2
All acts · 6
updated 5 months ago
2026
18-02-2026 Registered office moved within Kluisbergen
- Kerkstraat 14, 9690 Kluisbergen → Oudenaardebaan 2, 9690 Kluisbergen
Summary:
v3.2
2025
04-08-2025 Articles of association amended
Summary:
v3.2
24-01-2025 Articles of association amended
Summary:
v3.2
2024
14-06-2024 Change in the board of directors
Summary:
v3.2
29-05-2024 2 directors appointed, 1 reappointed
- KEPPENS Alain Georges Elisabeth, Bestuurder
- AUMANN Andries, Bestuurder
- NEIRYNCK Matthias, Bestuurder
Summary:
v3.2
02-05-2024 Incorporation of a new BV
Summary:
oprichting
Analysis
Snowflake analysis
financial profile on 5 axes52
/ 100
Mixed profile: strong on stability, weaker on profitability.
Computed on 4 of 5 axes. Not measured: health. An unmeasured axis is not a zero: no data was read for it.
Health
-
Profitability
0
Solvency
67
Growth
58
Stability
82
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verdict per customer and amountSimilar
Similar companies
Same sector, ranked by comparable sizeCompany registry
Company registry (CBE)
Crossroads BankActivities
Holdings64200Activiteiten van holdings64210Overige zakelijke dienstverlening, n.e.g.82990Overige zakelijke dienstverlening, neg82990
Primary activity highlighted.
Names & trade names
| Legal nameNL | SummitCo |
Registered office
Oudenaardebaan 2
9690 Kluisbergen, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.