Veerle Ceyssens
ActiveSummary
Veerle Ceyssens has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €47k and a net result of €-15k. Equity is growing by ~10.2% per year across the filed fiscal years. Its solvency ranks better than 94% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (low).
Checked score
Score 2025
72
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-100
Solvency100=
Growth52=
Track record94
Bankruptcy probability, 12 months
0.5%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity ample (current ratio 19.99 against 15.26 in 2024; short-term debt: 4.7% and cash: 53.2% of total assets), and 4.7% 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+raises 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 →
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
95.3%
Return on assets
-30.5%
Age of the figures
9 mo
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 30-07-2026, 1 day ahead of the deadline.
NBB · 3 filingsDeviation from the deadline
2025
1 d early
2024
35 d early
2023
12 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
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
24-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€47k▼ 24.2%
2024 · €62k
2023: €37k
2024: €62k
2023 → 2025
Total assets
€49k▼ 25.4%
2024 · €66k
2023: €40k
2024: €66k
2023 → 2025
Net result
€-15k
2024 · €24k
2023: €34k
2024: €24k
2023 → 2025
Working capital
€44k▼ 24.2%
2024 · €57k
2023: €32k
2024: €57k
2023 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202320242025Trend
Equity€37k-€62k▲ 65.7%€47k▼ 24.2%
Operating result€45k-€32k▼ 27.4%€-14k
Net result€34k-€24k▼ 28.5%€-15k
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result turns negative in 2025: a loss of €14k after €32k in 2024, the lowest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €49k
Fixed assets
€3k ▼ 24.2%
Current assets
€46k ▼ 25.5%
Equity and liabilities €49k
Equity
€47k ▼ 24.2%
Debt
€2k ▼ 43.1%
Debt's share of the balance-sheet total falls from 6.1% to 4.7%. Equity and debt are lower.
Key figures and ratios
EBITDA
€-13k▼
2024 · €34k
Cash flow
€-14k▼
2024 · €26k
Current ratio
19.99▲
2024 · 15.26
Debt to equity
0.05▼
2024 · 0.07
ROE
-31.9%▼
2024 · 39.7%
ROA
-30.5%▼
2024 · 37.2%
Interest coverage
-14.14▼
2024 · 30.74
Debt ≤ 1 year
€2k▼
2024 · €4k
Income taxes
€141▼
2024 · €7k
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 · 40 lines
Balance sheet
Code20242025
Assets
Total assets20/58€66k€49k▼
Fixed assets21/28€4k€3k▼
Tangible fixed assets22/27€4k€3k▼
Land and buildings22€3k€3k▼
Furniture and vehicles24€1k€621▼
Current assets29/58€61k€46k▼
Amounts receivable within one year40/41€5k€18k▲
Trade receivables40€522€6k▲
Other amounts receivable41€5k€12k▲
Cash at bank and in hand54/58€55k€26k▼
Deferred charges and accrued income490/1€1k€2k▲
Equity and liabilities
Total equity and liabilities10/49€66k€49k▼
Equity10/15€62k€47k▼
Contributions10/11€3k€3k=
Reserves13€59k€59k=
Distributable reserves133€59k€59k=
Profit (loss) carried forward14-€-15k
Amounts payable17/49€4k€2k▼
Amounts payable within one year42/48€4k€2k▼
Financial debts43-€1k
Credit institutions430/8-€1k
Trade debts44€1k€945▼
Suppliers440/4€1k€945▼
Taxes, remuneration and social security45€3k€141▼
Taxes450/3€3k€141▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k=
Other operating charges640/8€414€484▲
Gross operating margin9900€34k€-13k▼
Operating profit (loss)9901€32k€-14k▼
Financial income75/76B€191€300▲
Recurring financial income75€191€300▲
Financial charges65/66B€1k€929▼
Recurring financial charges65€1k€929▼
Profit (loss) for the period before taxes9903€32k€-15k▼
Income taxes67/77€7k€141▼
Profit (loss) for the period9904€24k€-15k▼
Profit (loss) for the period to be appropriated9905€24k€-15k▼
Appropriation of the result
Profit (loss) to be appropriated9906€24k€-15k▼
Transfer to equity691/2€24k€0▼
To other reserves6921€24k€0▼
The notes to these accounts (5 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
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Weakest financial yearnet €-15k ▼161%
Net result drops to €-15k, the lowest in the series.
26-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
12-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 12 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
1 act for this company is 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, Oudsbergen · 1 establishment unit since 2023
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.
Heikantstraat 73670 OudsbergenGround area
632 m²
Building footprint
111 m²
Volume, LiDAR
620 m³
Parcel 72008A0075/00W005, Flanders · tallest building 7.6 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Veerle Ceyssens
since 20232.341.988.487
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 72008A0075/00W005 | Flanders | 632 m² | 1 · 111 m² | 7.6 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.
Public money · subsidies and aid
Flemish government
2023 to 2024 · 2 entries · 1,206 EUR awarded · 1,206 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 1 | 599 EUR | 599 EUR |
| 2023 | 1 | 607 EUR | 607 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 37,778 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
Founded21-02-2023
Fiscal year end31-12
Activities, NACEBEL 2025
70200Business and other management consultancy
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.