Summary
Celis John 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 €177k and a net result of €51k. Equity is growing by ~3.2% per year across the filed fiscal years. Its solvency ranks better than 75% of 5527 sector peers (fiscal year 2025). The company has been active since 2007 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 30-06-2025 was due by 31-01-2026 and was filed on 03-02-2026, 3 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
3 d late
2024
202 d late
2023
on the day
2022
1 d early
2021
on the day
2020
20 d early
2019
18 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 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close24-09-2026 today31-01-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€177k▲ 40.4%
2024 · €126k
2019: €140k
2020: €153k
2021: €159k
2022: €174k
2023: €95k
2024: €126k
2019 → 2025
Net result
€51k▲ 63.1%
2024 · €31k
2019: €-128k
2020: €12k
2021: €6k
2022: €15k
2023: €21k
2024: €31k
2019 → 2025
Total assets
€225k▲ 31.7%
2024 · €171k
2019: €277k
2020: €277k
2021: €263k
2022: €185k
2023: €130k
2024: €171k
2019 → 2025
Solvency
78.8%▲ 4.9pp
2024 · 73.9%
2019: 50.7%
2020: 55.1%
2021: 60.4%
2022: 94.3%
2023: 73.2%
2024: 73.9%
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€159k-€174k▲ 9.5%€95k▼ 45.5%€126k▲ 32.9%€177k▲ 40.4%
Operating result€16k-€22k▲ 43.1%€32k▲ 41.4%€45k▲ 41.4%€72k▲ 61.1%
Net result€6k-€15k▲ 137%€21k▲ 36.2%€31k▲ 51.2%€51k▲ 63.1%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has risen four years in a row; 2025 is 61% above 2024 and is the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €225k
Fixed assets
€773 ▼ 52.7%
Current assets
€224k ▲ 32.5%
Equity and liabilities €225k
Equity
€177k ▲ 40.4%
Debt
€48k ▲ 7.0%
Debt's share of the balance-sheet total falls from 26.1% to 21.2%. Equity and debt are higher.
Key figures and ratios
ROE
28.8%▲
2024 · 24.8%
ROA
22.7%▲
2024 · 18.3%
Debt ≤ 1 year
€48k▲
2024 · €45k
Income taxes
€21k▲
2024 · €14k
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 · 38 lines
Balance sheet
Code20242025
Assets
Total assets20/58€171k€225k▲
Fixed assets21/28€2k€773▼
Tangible fixed assets22/27€2k€773▼
Furniture and vehicles24€2k€773▼
Current assets29/58€169k€224k▲
Amounts receivable within one year40/41€167k€213k▲
Other amounts receivable41€167k€213k▲
Cash at bank and in hand54/58€2k€11k▲
Equity and liabilities
Total equity and liabilities10/49€171k€225k▲
Equity10/15€126k€177k▲
Contributions10/11€65k€65k=
Capital10€65k€65k=
Issued capital100€65k€65k=
Reserves13€61k€112k▲
Non-distributable reserves130/1€7k€7k=
Legal reserve130€7k€7k=
Distributable reserves133€55k€106k▲
Amounts payable17/49€45k€48k▲
Amounts payable within one year42/48€45k€48k▲
Trade debts44€13k€2k▼
Suppliers440/4€13k€2k▼
Taxes, remuneration and social security45€31k€45k▲
Taxes450/3€31k€45k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€863€863=
Other operating charges640/8€853€1k▲
Gross operating margin9900€47k€75k▲
Operating profit (loss)9901€45k€72k▲
Financial income75/76B-€0
Recurring financial income75-€0
Financial charges65/66B€181€204▲
Recurring financial charges65€181€204▲
Profit (loss) for the period before taxes9903€45k€72k▲
Income taxes67/77€14k€21k▲
Profit (loss) for the period9904€31k€51k▲
Profit (loss) for the period to be appropriated9905€31k€51k▲
Appropriation of the result
Profit (loss) to be appropriated9906€31k€51k▲
Transfer to equity691/2€31k€51k▲
To other reserves6921€31k€51k▲
The notes to these accounts (4 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
03-02
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 3 days late
2025
21-08
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 202 days late
30-06
Financial
Highest result since 2019net €51k ▲63.1%
Operating result €72k, net result €51k, both a record.
30-06
Financial
Equity above €150kEq €177k ▲40.4%
6 profitable years in a row build equity to €177k.
2024
30-06
Financial
Equity above €100kEq €126k ▲32.9%
5 profitable years in a row build equity to €126k.
31-01
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2023
30-01
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2022
30-06
Financial
Liquidity times 8current ratio 17.23
Current ratio from 2.21 to 17.23.
31-01
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema
2021
11-01
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema
2020
30-06
Financial
Back to profitnet €12k
Net result €12k after one loss-making year.
30-06
Financial
Equity above €150kEq €153k ▲8.7%
Equity rises from €140k to €153k.
Show earlier events
13-01
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
2019
29-01
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema
2018
30-01
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema
2017
25-01
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
4 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, Sint-Truiden · 1 establishment unit since 2007
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.
N.B. de Borchgravestraat 44653800 Sint-TruidenGround area
1.5 ha
Building footprint
2,986 m²
Volume, LiDAR
17,690 m³
Parcel 71352C0659/00G000, Flanders · tallest building 8.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Celis John
since 20072.164.548.664
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 71352C0659/00G000 | Flanders | 1.5 ha | 1 · 2,986 m² | 8.0 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.
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VTProtec
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Of 24,725 companies in sector 64210 we hold annual accounts for 19,762. 13,484 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 formPublic limited company
Founded24-07-2007
Fiscal year end30-06
Activities, NACEBEL 2025
64210Activities of holding companies
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.