Summary
Bankruptcy probability (12 mo)
Timeline
What happened to this company, by date
State Gazette, CBE and NBB in one series · 0 of 3 acts readfiscal year 2026 expected by 30-04-2027
2026
30-04-2026 NBB filing Annual accounts filed
fiscal year 2025 · micro schema
2025
28-05-2025 NBB filing Annual accounts filed
fiscal year 2024 · micro schema
2024
30-04-2024 NBB filing Annual accounts filed
fiscal year 2023 · micro schema
2023
06-06-2023 State Gazette act Registered-office change
No further detail in the source.
19-04-2023 NBB filing Annual accounts filed
fiscal year 2022 · micro schema
2022
28-04-2022 NBB filing Annual accounts filed
fiscal year 2021 · micro schema
Financials
Equity€171k+46.6%
Total assets€268k+42.9%
Net result€56k+63.6%
Working capital€101k+88.8%
Turnover and EBIT margin not published: the micro schema does not require them.
Figures by fiscal year
Source: NBB · 2025Annual accounts filed on 30-04-2026 with the NBB · fiscal year 2025 · micro schema
€107k
+68.2%
24-25
€56k
+63.6%
24-25
€85k
+53.4%
24-25
€268k
+42.9%
24-25
€171k
+46.6%
24-25
€101k
+88.8%
24-25
1
-15.4%
24-25
€68k
-2.1%
24-25
€21k
+140.5%
24-25
€97k
+36.7%
24-25
€61k
+19.6%
24-25
€36k
+80.7%
24-25
2.66
+29.6%
24-25
2.61
+30.9%
24-25
63.9%
+2.6%
24-25
0.56
-6.8%
24-25
33.0%
+11.6%
24-25
21.1%
+14.5%
24-25
27.39
+5.6%
24-25
Figures by fiscal year and ratios
| Fiscal year | 2025 |
|---|---|
| Deposit | micro schema |
| Revenue | - |
| EBITDA | €107k |
| Net profit | €56k |
| Cash flow | €85k |
| Staff costs | €68k |
| Income taxes | €21k |
| Dividends | - |
| Total assets | €268k |
| Equity | €171k |
| Debt | €97k |
| of which ≤ 1y | €61k |
| of which > 1y | €36k |
| Working capital | €101k |
| Employees (FTE) | 1.1 |
Ratios (computed)
| 2025 | |
|---|---|
| Current ratio | 2.66 |
| Quick ratio | 2.61 |
| Working capital ratio | 37.6% |
| Solvency | 63.9% |
| Debt / equity | 0.56 |
| Long-term debt ratio | 0.21 |
| Interest coverage | 27.39 |
| Gross margin | - |
| Net margin | - |
| ROA | 21.1% |
| ROE | 33.0% |
| EBITDA margin | - |
| Days sales outstanding | - |
| Days payable outstanding | - |
| Inventory turnover | - |
| Days inventory (DSI) | - |
Balance-sheet composition 2025
Full annual accounts (26 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €268k |
| Fixed assets | 21/28 | €106k |
| Intangible fixed assets | 21 | €313 |
| Tangible fixed assets | 22/27 | €103k |
| Financial fixed assets | 28 | €3k |
| Current assets | 29/58 | €162k |
| Stocks & contracts in progress | 3 | €3k |
| Amounts receivable within one year | 40/41 | €116k |
| Cash & bank | 54/58 | €42k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €268k |
| Equity | 10/15 | €171k |
| Contributions / capital | 10/11 | €500 |
| Reserves | 13 | €170k |
| Accumulated profits (losses) | 14 | €415 |
| Amounts payable | 17/49 | €97k |
| Amounts payable after one year | 17 | €36k |
| Amounts payable within one year | 42/48 | €61k |
| Trade debts payable within one year | 44 | €15k |
| Income statement | ||
| Gross operating margin | 9900 | €178k |
| Operating result | 9901 | €79k |
| Financial income | 75 | €3k |
| Financial charges | 65 | €4k |
| Result before taxes | 9903 | €77k |
| Income taxes | 67/77 | €21k |
| Net result for the period | 9904 | €56k |
| Result to be appropriated | 9905 | €56k |
This table shows the latest fiscal year. 1 prior year, with figures and ratios, belongs to a paid plan.
See plans →
Ratios computed by Checked.
Signals
Signals
Gazette, CBE, filings and accounts in one listLatest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
More than 3 years active
Founded in 2018, 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.
No strikeouts found in the KBO publications · how complete this is
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.
Filing history by fiscal year and how the deadline is computed
Latest accounts filed on time
The financial year that closed on 30-09-2025 was due by 30-04-2026 and was filed on 30-04-2026, 0 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 30-09-2026 and is due by 30-04-2027. Nothing is late today.
How we compute the deadline
The year end is derived from 5 filed financial years, each closing on 30-09. 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 30-09-2025, that is 30-04-2026.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 30-09-2025 | 30-04-2026 | 30-04-2026 | on the day | 2026-00101529 |
| 30-09-2024 | 30-04-2025 | 28-05-2025 | 28 d late | 2025-00118660 |
| 30-09-2023 | 30-04-2024 | 30-04-2024 | on the day | 2024-00083214 |
| 30-09-2022 | 30-04-2023 | 19-04-2023 | 11 d early | 2023-00064377 |
| 30-09-2021 | 30-04-2022 | 28-04-2022 | 2 d early | 2022-20018974 |
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.
Locations & real estate
Registered office
on the map · from the address registerEstablishment units
1 locationCartablanche
since 20182.281.348.641
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels1
Ground area1.3 ha
Buildings2
Building footprint6,363 m²
Volume (LiDAR)47,976 m³
Tallest building9.6 m · ±3 fl.
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. |
|---|---|---|---|---|
| 36505C0234/00P000 | Flanders | 1.3 ha | 2 · 6,363 m² | 9.6 m · 3 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.
Analysis
Credit advice
verdict per customer and amountSimilar
Similar companies
Same sector and regionBE 0676.785.925 · Roeselare
BE 0535.628.951 · Roeselare
BE 0432.637.222 · Roeselare
BE 0755.449.955 · Roeselare
BE 0752.759.986 · Roeselare
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 2,305 of the 20,033 companies in this sector.
Company registry
Company registry (CBE)
Crossroads BankActivities
Schrijnwerk43320
Primary activity highlighted.
Names & trade names
| Legal nameNL | Cartablanche |
Registered office
Kruisboommolenstraat 7A bus 9
8800 Roeselare, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.