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Contender

Active
Private limited company·Activiteiten van holdings· 7 yrs active
Groenenhoek 71 ·2630 Aartselaar, Belgium
KBO/BCE: BE 0720.911.126
Watch Print / PDF
Belgian State Gazette acts: 0 of 3 read
Age7 yrs
Connections1
Real estate1 parcel · 834 m²

Summary

Conclusion

the dossier summarised in one paragraph

Contender 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 €23k and a net result of €7k. The company has been active since 2019 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 1 annual account.

Filing behaviour

From the deposit records, complete market-wide
Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 29-05-2026, 63 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 7 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 29-05-2026 63 d early 2026-00129770
31-12-2024 31-07-2025 11-06-2025 50 d early 2025-00138013
31-12-2023 31-07-2024 27-05-2024 65 d early 2024-00099877
31-12-2022 31-07-2023 18-07-2023 13 d early 2023-00251907
31-12-2021 31-07-2022 04-05-2022 88 d early 2022-20021767
31-12-2020 31-07-2021 09-06-2021 52 d early 2021-18600315
31-12-2019 31-07-2020 16-07-2020 15 d early 2020-31100361

Source: the National Bank's deposit records, as we have ingested them. NOTE: our copy has a gap across June to August 2026, missing roughly 220,000 deposits; for July we hold 15,605 of about 137,000 expected. A year whose deadline falls in that window shows as not confirmed, not as not filed. 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 2019, 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€23k
Net result€7k
Total assets€37k
Solvency61.5%

Annual accounts & ratios

Source: NBB · 2025
Annual accounts filed on 29-05-2026 with the NBB · fiscal year 2025 · micro
Fiscal year2025
Depositmicro
Revenuen/a
EBITDAn/a
Net profit€7k
Cash flown/a
Staff costs-
Income taxes€1k
Dividends€0
Total assets€37k
Equity€23k
Debt€14k
of which ≤ 1y€14k
of which > 1y-
Working capitaln/a
Employees (FTE)-
Ratios (computed)
2025
Current ration/a
Quick ration/a
Working capital ration/a
Solvency61.5%
Debt / equityn/a
Long-term debt ration/a
Interest coveragen/a
Gross marginn/a
Net marginn/a
ROA19.5%
ROE31.7%
EBITDA marginn/a
Days sales outstandingn/a
Days payable outstandingn/a
Inventory turnovern/a
Days inventory (DSI)n/a
Balance-sheet composition 2025
Full annual accounts (23 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
Line item Code2025
Balance sheet, Assets
TOTAL ASSETS 20/58€37k
Fixed assets 21/28€2k
Tangible fixed assets 22/27€2k
Financial fixed assets 28€30
Current assets 29/58€35k
Amounts receivable within one year 40/41€11k
Cash & bank 54/58€24k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES 10/49€37k
Equity 10/15€23k
Contributions / capital 10/11€12k
Reserves 13€2k
Accumulated profits (losses) 14€8k
Amounts payable 17/49€14k
Amounts payable within one year 42/48€14k
Trade debts payable within one year 44€2k
Income statement
Gross operating margin 9900€13k
Operating result 9901€10k
Financial income 75€0
Financial charges 65€2k
Result before taxes 9903€9k
Income taxes 67/77€1k
Net result for the period 9904€7k
Result to be appropriated 9905€7k
Ratios computed by Checked.

Health barometer

FY 2025 · 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
3 of this company's 3 Belgian State Gazette acts have not been read yet. Appointments and resignations recorded in them are missing below: a director who resigned there may therefore still show here as sitting. See the acts under Publications.
Current directors & mandates
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.

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)
Incorporation19-02-2019
StatusActive
Postal code2630

Structure & network

Connections & network

1 connected company
Group structure
BONDIS
We sit on their board · 1 location
→
Connections derived from shared directors, addresses, shareholders and group structure in the Belgian State Gazette.

Ownership & control

1 party
ContenderBE 0720.911.126
controls
Where this company holds controlthis company sits on their board1
BONDIS
1 location

Each band states what its claims rest on. A board seat is influence over the board, not ownership. Court mandates (receiver, interim administrator) and liquidation mandates do not link companies and are therefore absent here; they belong under Directors & mandates.

Locations & real estate

Registered office

on the map · from the address register
exact location from the address register On OpenStreetMap

Establishment units

1 location
CONTENDER
Groenenhoek 71, 2630 AartselaarOverige adviesbureaus op het gebied van bedrijfsbeheer; adviesbureaus op het gebied van bedrijfsvoering
since 20192.286.585.948
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area834 m²
Buildings1
Building footprint167 m²
Volume (LiDAR)1,015 m³
Tallest building9.4 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.
11372A0027/00F000 Flanders 834 m² 1 · 167 m² 9.4 m · 2 fl.
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.

Publications

Lifecycle & Insolvency Signals

No insolvency signals in the Belgian State Gazette

Belgisch Staatsblad · acts

3 acts
All acts · 3 updated 8 months ago
2025
19-12-2025 Delodder Caroline Mervouw appointed as director Director changes
  • Delodder Caroline Mervouw, Bestuurder
Summary: v3.2
2023
20-09-2023 Van den Eynde Benoit reappointed as director Director changes
  • Van den Eynde Benoit, Bestuurder
Summary: v3.2
2019
21-02-2019 Incorporation of a new BV Incorporation
Summary: oprichting

Analysis

Financial profile

3 of 5 axes measured
Health-Profitability100Solvency99Growth-Stability85
95 / 100

This figure rests on 3 of 5 axes. Too few to say where this company is strong or weak.

Computed on 3 of 5 axes. Not measured: health, growth. An unmeasured axis is not a zero: no data was read for it.

Health -
Profitability 100
Solvency 99
Growth -
Stability 85

Credit advice

verdict per customer and amount

May this customer buy amount X on invoice? Enter the amount and the payment term. This page computes a GREEN, AMBER or RED verdict from them, with a suggested ceiling and concrete conditions.

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

Similar

Similar companies

Same sector and region
We hold no filed accounts for this company, so a size comparison is not possible. These companies share only the sector and the region. We hold annual accounts for 5,579 of the 24,683 companies in this sector.

Company registry

Company registry (CBE)

Crossroads Bank
Activities
Holdings64200Activiteiten van holdings64210
Primary activity highlighted.
Names & trade names
Legal nameNL Contender
Registered office
Groenenhoek 71
2630 Aartselaar, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.