Summary
Céline Rose David Expertise 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 €33k and a net result of €-5k. Equity is growing by ~7.7% per year across the filed fiscal years. Its solvency ranks better than 67% of 3323 sector peers (fiscal year 2024). The company has been active since 2022 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
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. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Filed after the deadline
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 25-08-2025, 25 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 · 3 filingsDeviation from the deadline
2025
not confirmed
2024
25 d late
2023
41 d late
2022
144 d late
← before the deadline
after the deadline →
Checked, nothing found (1)
Financials · fiscal year 2024, micro schema
Equity
€33k▼ 13.9%
2023 · €39k
2022: €28k
2023: €39k
2022 → 2024
Net result
€-5k
2023 · €10k
2022: €26k
2023: €10k
2022 → 2024
Total assets
€48k▼ 30.0%
2023 · €69k
2022: €46k
2023: €69k
2022 → 2024
Solvency
68.6%▲ 12.8pp
2023 · 55.7%
2022: 60.6%
2023: 55.7%
2022 → 2024
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line202220232024Trend
Equity€28k-€39k▲ 37.2%€33k▼ 13.9%
Operating result€36k-€14k▼ 61.7%€-5k
Net result€26k-€10k▼ 59.4%€-5k
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 2024: a loss of €5k after €14k in 2023, the lowest result in the available series.
Balance-sheet composition
2024 in colour, 2023 as the grey bar beneath
Assets €48k
Fixed assets
€4k ▼ 24.4%
Current assets
€45k ▼ 30.4%
Equity and liabilities €48k
Equity
€33k ▼ 13.9%
Debt
€15k ▼ 50.3%
Debt's share of the balance-sheet total falls from 44.3% to 31.4%. Equity and debt are lower.
Key figures and ratios
ROE
-16.1%▼
2023 · 27.1%
ROA
-11.0%▼
2023 · 15.1%
Debt ≤ 1 year
€15k▼
2023 · €30k
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 · 2024 against 2023 · 42 lines
Balance sheet
Code20232024
Assets
Total assets20/58€69k€48k▼
Fixed assets21/28€5k€4k▼
Intangible fixed assets21€1k€851▼
Tangible fixed assets22/27€3k€2k▼
Furniture and vehicles24€3k€2k▼
Financial fixed assets28€969€969=
Current assets29/58€64k€45k▼
Stocks and contracts in progress3€24k€13k▼
Stocks30/36€24k€13k▼
Amounts receivable within one year40/41€242€4k▲
Trade receivables40€242€2k▲
Other amounts receivable41-€2k
Cash at bank and in hand54/58€38k€26k▼
Deferred charges and accrued income490/1€2k€2k▲
Equity and liabilities
Total equity and liabilities10/49€69k€48k▼
Equity10/15€39k€33k▼
Contributions10/11€2k€2k=
Reserves13€26k€26k=
Distributable reserves133€26k€26k=
Profit (loss) carried forward14€10k€5k▼
Amounts payable17/49€31k€15k▼
Amounts payable within one year42/48€30k€15k▼
Trade debts44€15k€5k▼
Suppliers440/4€15k€5k▼
Taxes, remuneration and social security45€11k€8k▼
Taxes450/3€11k€8k▼
Other amounts payable47/48€4k€2k▼
Accrued charges and deferred income492/3€208€3▼
Income statement
Code20232024
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€1k€1k▲
Other operating charges640/8€434€387▼
Gross operating margin9900€15k€-3k▼
Operating profit (loss)9901€14k€-5k▼
Financial income75/76B€16€56▲
Recurring financial income75€16€56▲
Financial charges65/66B€469€561▲
Recurring financial charges65€469€561▲
Profit (loss) for the period before taxes9903€13k€-5k▼
Income taxes67/77€3k-
Profit (loss) for the period9904€10k€-5k▼
Profit (loss) for the period to be appropriated9905€10k€-5k▼
Appropriation of the result
Profit (loss) to be appropriated9906€10k€5k▼
Profit (loss) brought forward from the previous period14P-€10k
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2025
25-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 25 days late
2024
31-12
Financial
Weakest financial yearnet €-5k ▼151%
Net result drops to €-5k, the lowest in the series.
10-09
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 41 days late
2023
22-12
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 144 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, Brussel · 1 establishment unit since 2022
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.
Wolstraat 701000 BrusselGround area
2,342 m²
Building footprint
1,841 m²
Volume, LiDAR
64,043 m³
Parcel 21808H0901/00N000, Brussels · tallest building 42.2 m, ±12 floors. Linked by address, not a title deed.
1 establishment unit
Céline Rose David Expertise
since 20222.328.205.579
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21808H0901/00N000 | Brussels | 2,342 m² | 1 · 1,841 m² | 42.2 m · 12 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
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ENCP
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Of 853 companies in sector 66210 we hold annual accounts for 511. 365 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
Founded17-02-2022
Fiscal year end31-12
Activities, NACEBEL 2025
66210Risk and damage evaluation
47781Retail sale of solid, liquid and gaseous fuels, excluding motor fuels
69109Other legal services
74999Other professional, scientific and technical activities
82990Other business support services
85599Other education
Sources
Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.
Contact details
2 entriesE-mail:celinerosedavid22@gmail.com
Phone:+32488369035