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The Bold

Active
Private limited company·Activiteiten van holdings· 4 yrs active
't Hofveld 6 ·1702 Dilbeek, Belgium
KBO/BCE: BE 0787.528.845
Watch Print / PDF
Age4 yrs
Board1
Real estate1 parcel · 3,583 m²

Summary

Conclusion

the dossier summarised in one paragraph

The Bold is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2024 annual accounts show equity of €240k and a net result of €96k. Its solvency ranks better than 27% of 3139 sector peers (fiscal year 2024). The company has been active since 2022 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 evidence
Consistently profitable
Positive net result in the two most recent financial years (2023 and 2024).
View the result trend

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-wide
Deadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 13 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.
Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 29-08-2025, 29 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
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 31-12-2024, that is 31-07-2025.
Deadline per financial year
Year closed Due by Filed Variance Reference
31-12-2025 31-07-2026 nothing on record not filed -
31-12-2024 31-07-2025 29-08-2025 29 d late 2025-00437482
31-12-2023 31-07-2024 28-08-2024 28 d late 2024-00395486

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 signals
More than 3 years active
Founded in 2022, past the statistically most fragile first 3 years.
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 strikeouts found in the KBO publications we processed. That series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

Bankruptcy probability (12 mo)

Checked model v1 · free for everyone

This 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€240k+66.9%
Net result€96k+118.7%
Total assets€1.07M-0.4%
Solvency22.4%+9.0pp

Annual accounts & ratios

Source: NBB · 2024
Annual accounts filed on 29-08-2025 with the NBB · fiscal year 2024 · micro
€0€25k€50k€75k€100kOperating result 2023: €30k€30kNet result 2023: €44k€44kOperating result 2024: €19k€19kNet result 2024: €96k€96k20232024
Operating resultNet result
Sector comparison
Fiscal year 2024 · NACE 64, Financial services · compared within the same schema type (micro schema)
Metric This company Sector median Position in the sector
Solvency 22.4% 52.5%
better than 27% of 3139 sector peers
Net result €96k €32k
better than 81% of 3135 sector peers
Equity €240k €75k
better than 81% of 3140 sector peers
Gross operating margin €19k €52k
better than 24% of 3132 sector peers
Total assets €1.07M €192k
better than 89% of 3141 sector peers
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Net profit
€96k
+118.7% 23-24
Total assets
€1.07M
-0.4% 23-24
Equity
€240k
+66.9% 23-24
Income taxes
€10k
+118.7% 23-24
Debt
€831k
-10.8% 23-24
Debt ≤ 1y
€208k
-2.6% 23-24
Debt > 1y
€618k
-13.6% 23-24
Solvency
22.4%
+67.5% 23-24
ROE
40.1%
+31.1% 23-24
ROA
9.0%
+119.5% 23-24
Figures by fiscal year
Fiscal year2024
Depositmicro
Revenuen/a
EBITDAn/a
Net profit€96k
Cash flown/a
Staff costs-
Income taxes€10k
Dividends-
Total assets€1.07M
Equity€240k
Debt€831k
of which ≤ 1y€208k
of which > 1y€618k
Working capitaln/a
Employees (FTE)-
Ratios (computed)
2024
Current ration/a
Quick ration/a
Working capital ration/a
Solvency22.4%
Debt / equityn/a
Long-term debt ration/a
Interest coveragen/a
Gross marginn/a
Net marginn/a
ROA9.0%
ROE40.1%
EBITDA marginn/a
Days sales outstandingn/a
Days payable outstandingn/a
Inventory turnovern/a
Days inventory (DSI)n/a
Balance-sheet composition 2024
Full annual accounts
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2024
Balance sheet, Assets
TOTAL ASSETS 20/58€1.07M
Fixed assets 21/28€1.02M
Financial fixed assets 28€1.02M
Current assets 29/58€56k
Amounts receivable within one year 40/41€15k
Cash & bank 54/58€41k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€1.07M
Equity 10/15€240k
Contributions / capital 10/11€100k
Reserves 13€140k
Amounts payable 17/49€831k
Amounts payable after one year 17€618k
Amounts payable within one year 42/48€208k
Trade debts payable within one year 44€15k
Income statement
Gross operating margin 9900€19k
Operating result 9901€19k
Financial income 75€110k
Financial charges 65€23k
Result before taxes 9903€106k
Income taxes 67/77€10k
Net result for the period 9904€96k
Result to be appropriated 9905€96k
You're seeing the latest fiscal year only. Unlock 1 prior year (figures + ratios) with a paid plan. See plans →
Ratios computed by Checked.

Health barometer

FY 2024 · computed
Model 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

2 directors
Current directors & mandates
  • Consus BVLegal entity
    Director
    State Gazette act 23145267 (16-11-2023)
    Current
    01-01-2023 → present
Former directors (1)
  • Olivier Van der Stede
    Director
    State Gazette act 23145267 (16-11-2023)
    Former
    - → 01-01-2023
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.

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)
Incorporation22-06-2022
StatusActive
Postal code1702

Structure & network

Locations & real estate

Registered office

from the Crossroads Bank
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.

't Hofveld 61702 Dilbeek

Establishment units

1 location
The Bold
't Hofveld 6, 1702 DilbeekOverige dienstverlenende activiteiten op het gebied van informatie, n.e. g.
since 20222.335.032.401
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area3,583 m²
Buildings1
Building footprint980 m²
Volume (LiDAR)5,656 m³
Tallest building8.8 m · ±2 fl.

Real-estate footprint

Source: CBE × cadastre · address linking

Parcels 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.
23026A0121/00B002 Flanders 3,583 m² 1 · 980 m² 8.8 m · 2 fl.
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

1 acts
All acts · 1 updated 2 years ago
2023
16-11-2023 1 director appointed, 1 resigning Director changes
  • Consus BV, Bestuurder
  • Olivier Van der Stede, Bestuurder

Analysis

Snowflake analysis

financial profile on 5 axes
Health-Profitability100Solvency20Growth78Stability94
73 / 100

Strong profile, led by 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 100
Solvency 20
Growth 78
Stability 94

Ask AI about this company

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AI due-diligence brief

Checked AI

Generate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.

Coming soon
The brief is drafted by our AI model at Anthropic in the US, from this dossier's public data. Nothing that identifies you is sent along and we do not keep the brief. Indicative, not legal or investment advice. How it works

Credit advice

verdict per customer and amount

Should this customer buy amount X on invoice? Enter the amount and payment terms, you get an instant GREEN/AMBER/RED verdict, with a suggested ceiling and concrete conditions.

Based on official sources (NBB, CBE, State Gazette). Indicative, not credit advice.

Similar

Similar companies

Comparable size, same sector
We hold annual accounts for 5,518 of the 24,678 companies in this sector. 3,914 of them are within a factor 10 of this company's equity.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Holdings64200Activiteiten van holdings64210Overige dienstverlenende activiteiten op het gebied van informatie63920Overige dienstverlenende activiteiten op het gebied van informatie, n.e. g.63990Activiteiten van adviesbureaus op het gebied van bedrijfsvoering en overig managementadvies70200Overige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering70220
Primary activity highlighted.
Names & trade names
Legal nameNL The Bold
Registered office
't Hofveld 6 bus 4
1702 Dilbeek, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.