Age5 yrs
Real estate2 parcels · 959 m²
Summary
Conclusion
the dossier summarised in one paragraphCERTIUS 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 €15k and a net result of €115k. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 15% of 773 sector peers (fiscal year 2024). The company has been active since 2021 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 4 annual accounts.
Signals
2 signals · with evidenceWeak solvency vs sector
Solvency (equity / total assets) is in the sector's weakest quartile: better than 15% of 773 sector peers (2024).
View the sector comparison Consistently profitable
Positive net result in the two most recent financial years (2023 and 2024).
View the result trend Signals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
Filing behaviour
From the deposit records, complete market-wideDeadline passed, not yet counted as missing
The deadline for the year that closed on 31-12-2025 passed on 31-07-2026, 20 days ago. Our copy of the deposit register trails the National Bank (measured: median 14 days, p99 45 days), so we only call this filing missing from 45 days past the deadline.
Latest accounts filed on time
The financial year that closed on 31-12-2024 was due by 31-07-2025 and was filed on 27-06-2025, 34 days ahead of the deadline. This speaks to administrative punctuality and says nothing about the financial position.
How we compute the deadline
The year end is derived from 4 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 31-12-2024, that is 31-07-2025.
Deadline per financial year
| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | nothing on record | not filed | - |
| 31-12-2024 | 31-07-2025 | 27-06-2025 | 34 d early | 2025-00202547 |
| 31-12-2023 | 31-07-2024 | 19-08-2024 | 19 d late | 2024-00350545 |
| 31-12-2022 | 31-07-2023 | 31-08-2023 | 31 d late | 2023-00399077 |
| 31-12-2021 | 31-07-2022 | 22-07-2022 | 9 d early | 2022-20213315 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. 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 signalsMore than 3 years active
Founded in 2021, 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 everyoneThis 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€15k-88.5%
Net result€115k+137.6%
Total assets€445k+8.7%
Solvency3.4%-28.6pp
Annual accounts & ratios
Source: NBB · 2024Annual accounts filed on 27-06-2025 with the NBB · fiscal year 2024 · micro
Trajectory (indicative)
Projection over 3 fiscal years from the filed annual accounts, not a forecast, the extended trend.
volatile
Too volatile to project: the yearly deviation from the trend is ~46% of the level (threshold 35%). We therefore deliberately show no projection line.
How do we compute this?
The trend is a robust median of all pairwise slopes between fiscal years (Theil-Sen), so a single odd year cannot hijack the line. For strictly positive series we also fit a log variant (compound annual growth) and keep whichever describes the figures best.
The area around the projection is 1.8 × the median absolute deviation from the trend, widening each year ahead (×1 / ×1.6 / ×2.2), with a minimum of 8% of the last value. It is an indicative range, not a statistical confidence interval.
A series whose deviations exceed 35% of its level is too volatile: we then deliberately show no projection. Every projection assumes unchanged policy and is blind to non-public information (order book, contracts, funding rounds).
Sector comparison
Fiscal year 2024 · NACE 66 · compared within the same schema type (micro schema)
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 3.4% | 38.6% | |
| Net result | €115k | €28k | |
| Equity | €15k | €62k | |
| Gross operating margin | €365k | €66k | |
| Staff costs | €155k | €63k |
Median and position computed from NBB annual accounts filed by sector peers; own figures from the latest filed accounts.
Sector position over time
Percentile per fiscal year versus peers that filed figures, computed year by year (a year without enough peers is absent).
P15
Improving position over 2021-2024
· n=248-773
P87
Improving position over 2021-2024
· n=248-773
P25
Stable position over 2021-2024
· n=248-774
P91
Stable position over 2021-2024
· n=247-771
Describes the position versus peers, not a forecast.
€115k
+137.6%
21-24
€445k
+8.7%
21-24
€15k
-88.5%
21-24
2
+15.0%
21-24
€155k
+71.7%
21-24
€34k
+149.4%
21-24
€231k
-
21-24
€430k
+54.4%
21-24
Show 5 other metrics
€289k
+215.1%
21-24
€141k
-24.5%
21-24
3.4%
-89.5%
21-24
769.9%
+1974.2%
21-24
25.9%
+118.6%
21-24
Figures by fiscal year
| Fiscal year | 2024 |
|---|---|
| Deposit | micro |
| Revenue | n/a |
| EBITDA | n/a |
| Net profit | €115k |
| Cash flow | n/a |
| Staff costs | €155k |
| Income taxes | €34k |
| Dividends | €231k |
| Total assets | €445k |
| Equity | €15k |
| Debt | €430k |
| of which ≤ 1y | €289k |
| of which > 1y | €141k |
| Working capital | n/a |
| Employees (FTE) | 2.3 |
Ratios (computed)
| 2024 | |
|---|---|
| Current ratio | n/a |
| Quick ratio | n/a |
| Working capital ratio | n/a |
| Solvency | 3.4% |
| Debt / equity | n/a |
| Long-term debt ratio | n/a |
| Interest coverage | n/a |
| Gross margin | n/a |
| Net margin | n/a |
| ROA | 25.9% |
| ROE | 769.9% |
| EBITDA margin | n/a |
| Days sales outstanding | n/a |
| Days payable outstanding | n/a |
| Inventory turnover | n/a |
| Days inventory (DSI) | n/a |
Balance-sheet composition 2024
Full annual accounts (25 line items)
Filed balance sheet and income statement, exactly as deposited with the NBB.
| Line item | Code | 2024 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €445k |
| Fixed assets | 21/28 | €201k |
| Intangible fixed assets | 21 | €181k |
| Tangible fixed assets | 22/27 | €21k |
| Current assets | 29/58 | €244k |
| Amounts receivable within one year | 40/41 | €8k |
| Investments | 50/53 | €200k |
| Cash & bank | 54/58 | €32k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €445k |
| Equity | 10/15 | €15k |
| Contributions / capital | 10/11 | €15k |
| Reserves | 13 | €0 |
| Accumulated profits (losses) | 14 | €0 |
| Amounts payable | 17/49 | €430k |
| Amounts payable after one year | 17 | €141k |
| Amounts payable within one year | 42/48 | €289k |
| Trade debts payable within one year | 44 | €70k |
| Income statement | ||
| Gross operating margin | 9900 | €365k |
| Operating result | 9901 | €148k |
| Financial income | 75 | €9k |
| Financial charges | 65 | €8k |
| Result before taxes | 9903 | €149k |
| Income taxes | 67/77 | €34k |
| Net result for the period | 9904 | €115k |
| Result to be appropriated | 9905 | €115k |
This table shows the latest fiscal year. 3 prior years, with figures and ratios, belong to a paid plan.
See plans →
Ratios computed by Checked.
Health barometer
FY 2024 · computedModel 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
1 director2 of this company's 2 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.
Permanent representatives (2)
These people represent a legal-person director (a management company, for instance). They hold no board mandate of their own and do not count as directors.
-
CASUS BVLegal entityPermanent representative· perm. rep.: Sus Van GestelState Gazette act 22117580 (04-10-2022)Permanent representative04-10-2022 → present
-
DIERCKX STEF BVLegal entityPermanent representative· perm. rep.: Stefaan DierckxState Gazette act 22117580 (04-10-2022)Permanent representative04-10-2022 → present
Former directors (1)
-
Stefaan DierckxDirectorState Gazette act 22117580 (04-10-2022)Former- → 04-10-2022
Full appointment history from the Belgian State Gazette. Permanent representatives are shown for corporate directors.This list is read straight from this company's published acts, not from the officer register.
Insolvency mandates
No insolvency mandates (liquidators, administrators) on record for this company.
Legal Structure
| NACE primary | Agenten en makelaars in bankdiensten(66191) |
| Legal form | Private limited company(610) |
| Incorporation | 21-01-2021 |
| Status | Active |
| Postal code | 2350 |
Structure & network
Locations & real estate
Registered office
on the map · from the address registerEstablishment units
2 locationsCERTIUS
since 20212.312.769.218
CERTIUS
since 20242.363.367.584
Physical sites registered in the Crossroads Bank for Enterprises (CBE).
Parcels2
Ground area959 m²
Buildings2
Building footprint545 m²
Volume (LiDAR)2,834 m³
Tallest building10.3 m · ±2 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
2
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 13038B0707/00T000 | Flanders | 563 m² | 1 · 236 m² | 5.7 m · 2 fl. |
| 13046A0211/00A003 | Flanders | 396 m² | 1 · 309 m² | 10.3 m · 1 fl. |
Methodology
via registered seat: 1 · via establishment units: 1
2 of 2 parcels 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
1 acts All acts · 1
updated 3 years ago
2022
04-10-2022 2 directors appointed, 1 resigning, 1 reappointed
- Stefaan Dierckx, Vaste vertegenwoordiger
- Sus Van Gestel, Vaste vertegenwoordiger
- Stefaan Dierckx, Bestuurder
- Carine HERREMANS, Bestuurder
Analysis
Financial profile
4 of 5 axes measured66
/ 100
Strong profile, led by profitability.
Computed on 4 of 5 axes. Not measured: health. An unmeasured axis is not a zero: no data was read for it.
Health
-
Profitability
100
Solvency
10
Growth
58
Stability
94
Credit advice
verdict per customer and amountSimilar
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We hold annual accounts for 295 of the 1,682 companies in this sector. 153 of them are within a factor 10 of this company's equity.
Company registry
Company registry (CBE)
Crossroads BankActivities
Agenten en makelaars in bankdiensten66191Overige ondersteunende activiteiten in verband met financiële diensten, neg, exclusief verzekeringen en pensioenfondsen66199Activiteiten van verzekeringsagenten en -makelaars66220
Primary activity highlighted.
Names & trade names
| Legal nameNL | CERTIUS |
Registered office
Antwerpsesteenweg 78
2350 Vosselaar, Belgium
Official data from the Crossroads Bank for Enterprises (CBE). Available for every registered company.