CAD enZo
ActiveSummary
CAD enZo has been active since 2008 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €140k and a net result of €37k. Equity is growing by ~27.9% per year across the filed fiscal years. Its solvency ranks better than 67% of 17043 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
98
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability93▲+6
Solvency100▲+24
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €13k at 30 days acceptable
Liquidity ample (current ratio 4.29 against 1.97 in 2024; short-term debt: 22.6% and cash: 84.4% of total assets), and 25% 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 62
Relative position
BE, all sectors
reference
Sector 62
lower
← fewer bankruptcies
more bankruptcies →
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
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
75%
Return on assets
19.8%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 12-08-2026, 12 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.
NBB · 10 filingsDeviation from the deadline
2025
12 d late
2024
15 d early
2023
30 d early
2022
33 d early
2021
32 d early
2020
26 d early
2019
31 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 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
€140k▲ 32.5%
2024 · €106k
2019: €38k
2020: €39k
2021: €48k
2022: €58k
2023: €80k
2024: €106k
2019 → 2025
Total assets
€187k▼ 10.2%
2024 · €208k
2019: €107k
2020: €113k
2021: €134k
2022: €140k
2023: €171k
2024: €208k
2019 → 2025
Net result
€37k▲ 21.9%
2024 · €30k
2019: €3k
2020: €2k
2021: €8k
2022: €14k
2023: €14k
2024: €30k
2019 → 2025
Working capital
€138k▲ 40.2%
2024 · €99k
2019: €38k
2020: €33k
2021: €42k
2022: €55k
2023: €78k
2024: €99k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€48k-€58k▲ 21.8%€80k▲ 36.8%€106k▲ 32.8%€140k▲ 32.5%
Operating result€12k-€20k▲ 69.8%€21k▲ 5.2%€41k▲ 92.6%€57k▲ 37.3%
Net result€8k-€14k▲ 74.2%€14k▼ 0.4%€30k▲ 111%€37k▲ 21.9%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 37% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €187k
Fixed assets
€6k ▼ 13.4%
Current assets
€181k ▼ 10.0%
Equity and liabilities €187k
Equity
€140k ▲ 32.5%
Debt
€47k ▼ 54.2%
Debt's share of the balance-sheet total falls from 49.2% to 25.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€58k▲
2024 · €43k
Cash flow
€38k▲
2024 · €32k
Current ratio
4.29▲
2024 · 1.97
Debt to equity
0.33▼
2024 · 0.97
ROE
26.4%▼
2024 · 28.7%
ROA
19.8%▲
2024 · 14.6%
Interest coverage
9.33▼
2024 · 24.73
Debt ≤ 1 year
€42k▼
2024 · €102k
Income taxes
€14k▲
2024 · €12k
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 · 48 lines
Balance sheet
Code20242025
Assets
Total assets20/58€208k€187k▼
Fixed assets21/28€7k€6k▼
Tangible fixed assets22/27€7k€6k▼
Plant, machinery and equipment23€1k€661▼
Furniture and vehicles24€94€0▼
Other tangible fixed assets26€5k€5k=
Current assets29/58€201k€181k▼
Amounts receivable within one year40/41€10k€17k▲
Trade receivables40€10k€14k▲
Other amounts receivable41€363€3k▲
Current investments50/53€0-
Cash at bank and in hand54/58€182k€157k▼
Deferred charges and accrued income490/1€9k€6k▼
Equity and liabilities
Total equity and liabilities10/49€208k€187k▼
Equity10/15€106k€140k▲
Contributions10/11€19k€19k=
Reserves13€87k€121k▲
Distributable reserves133€87k€121k▲
Profit (loss) carried forward14€0€0=
Amounts payable17/49€102k€47k▼
Amounts payable within one year42/48€102k€42k▼
Financial debts43€3€10▲
Credit institutions430/8€3€10▲
Trade debts44€10€694▲
Suppliers440/4€10€694▲
Taxes, remuneration and social security45€13k€10k▼
Taxes450/3€13k€10k▼
Other amounts payable47/48€89k€31k▼
Accrued charges and deferred income492/3-€5k
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€915▼
Other operating charges640/8€387€400▲
Gross operating margin9900€43k€58k▲
Operating profit (loss)9901€41k€57k▲
Financial income75/76B€2k€756▼
Recurring financial income75€2k€756▼
Financial charges65/66B€2k€6k▲
Recurring financial charges65€2k€6k▲
Profit (loss) for the period before taxes9903€42k€51k▲
Income taxes67/77€12k€14k▲
Profit (loss) for the period9904€30k€37k▲
Profit (loss) for the period to be appropriated9905€30k€37k▲
Appropriation of the result
Profit (loss) to be appropriated9906€34k€37k▲
Profit (loss) brought forward from the previous period14P€4k€0▼
Transfer from equity791/2€3k€3k▼
Transfer to equity691/2€34k€37k▲
To other reserves6921€34k€37k▲
Profit to be distributed694/7€4k€3k▼
Return on contributions (dividend)694€4k€3k▼
The notes to these accounts (17 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
12-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 12 days late
2025
31-12
Financial
Highest result since 2019net €37k ▲21.9%
Operating result €57k, net result €37k, both a record.
31-12
Financial
Liquidity doublescurrent ratio 4.29
Current ratio from 1.97 to 4.29; short-term debt falls from €102k to €42k.
16-07
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Equity above €100kEq €106k ▲32.8%
6 profitable years in a row build equity to €106k.
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2022
28-09
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
29-09
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2020
05-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
31-03
Financial
Weakest financial yearnet €2k ▼46.8%
Net result drops to €2k, the lowest in the series; recovery starts the following year.
2019
30-09
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2018
28-09
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2017
30-10
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2016
03-11
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema · 3 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Tielt-Winge · 1 establishment unit since 2008
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.
Keulestraat 713390 Tielt-WingeGround area
1,075 m²
Building footprint
129 m²
Volume, LiDAR
844 m³
Parcel 24106C0246/00E000, Flanders · tallest building 8.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
CAD enZO
since 20082.168.551.497
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24106C0246/00E000 | Flanders | 1,075 m² | 1 · 129 m² | 8.9 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.
Similar companies · same sector, comparable size
Kale ITS
BE 0806.454.238
Halen · Eq €139,845
GUIDE-IT
BE 0843.016.409
Lille · Eq €139,878
AvantaNova
BE 0804.143.163
Boutersem · Eq €139,879
SINCERITAS
BE 0891.850.068
Westerlo · Eq €139,886
JOTECH
BE 0778.783.207
Heist-op-den-Berg · Eq €139,813
Of 29,996 companies in sector 62200 we hold annual accounts for 18,393. 15,390 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
Founded21-01-2008
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
74112Other professional, scientific and technical activities
Sources
Crossroads Bank for EnterprisesNational Bank · 17 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.