Checked processes every Belgian company, act by act, from the Belgian Official Gazette. The data below is real and verified, this company's full, act-by-act verified dossier is still being assembled.
Summary
Conclusion
the dossier summarised in one paragraphCetofin is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2021 annual accounts show equity of €46k and a net result of €41k. The company has been active since 2020 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 1 annual account.
Trust signals
2 signalsAdministrative Flags
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
Annual accounts & ratios
Source: NBB · 2021| Fiscal year | 2021 |
|---|---|
| Deposit | verkort |
| Revenue | n/a |
| EBITDA | n/a |
| Net profit | €41k |
| Cash flow | n/a |
| Staff costs | - |
| Income taxes | €11k |
| Dividends | - |
| Total assets | €1.42M |
| Equity | €46k |
| Debt | €1.37M |
| of which ≤ 1y | €430k |
| of which > 1y | €942k |
| Working capital | n/a |
| Employees (FTE) | - |
| 2021 | |
|---|---|
| Current ratio | n/a |
| Quick ratio | n/a |
| Working capital ratio | n/a |
| Solvency | 3.2% |
| Debt / equity | n/a |
| Long-term debt ratio | n/a |
| Interest coverage | n/a |
| Gross margin | n/a |
| Net margin | n/a |
| ROA | 2.9% |
| ROE | 89.1% |
| EBITDA margin | n/a |
| Days sales outstanding | n/a |
| Days payable outstanding | n/a |
| Inventory turnover | n/a |
| Days inventory (DSI) | n/a |
| Line item | Code | 2021 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €1.42M |
| Fixed assets | 21/28 | €1.12M |
| Tangible fixed assets | 22/27 | €1.12M |
| Current assets | 29/58 | €301k |
| Amounts receivable within one year | 40/41 | €152k |
| Investments | 50/53 | €55k |
| Cash & bank | 54/58 | €31k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €1.42M |
| Equity | 10/15 | €46k |
| Contributions / capital | 10/11 | €5k |
| Accumulated profits (losses) | 14 | €41k |
| Amounts payable | 17/49 | €1.37M |
| Amounts payable after one year | 17 | €942k |
| Amounts payable within one year | 42/48 | €430k |
| Trade debts payable within one year | 44 | €213k |
| Income statement | ||
| Gross operating margin | 9900 | €142k |
| Operating result | 9901 | €61k |
| Financial income | 75 | €567 |
| Financial charges | 65 | €9k |
| Result before taxes | 9903 | €52k |
| Income taxes | 67/77 | €11k |
| Net result for the period | 9904 | €41k |
| Result to be appropriated | 9905 | €41k |
Health barometer
FY 2021 · computedStructure & network
Connections & network
1 connected companyLocations & real estate
Registered office
on the map · from the address registerEstablishment units
1 locationReal-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.
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 11039D0378/00L002 | Flanders | 2,719 m² | 1 · 259 m² | 8.8 m · 2 fl. |
Publications
Lifecycle & Insolvency Signals
Belgian State Gazette · acts
That means one of two things: the company has published no company deeds, or its deeds are still queued for reading. The insolvency signals above come from a separate source and are complete.
Analysis
Snowflake analysis
financial profile on 5 axesThis figure rests on 3 of 5 axes. Too few to say where this company is strong or weak.
Computed on 3 of 5 axes. Not measured: health, growth. An unmeasured axis is not a zero: no data was read for it.
Ask AI about this company
Checked AISoon: ask questions about this dossier, risks, curator, sector comparison, answered from the official data on this page.
AI due-diligence brief
Checked AIGenerate a structured, factual brief from every signal in this dossier: risk, financial health, ownership, mandates and sector comparison.
Credit advice
verdict per customer and amountSimilar
Similar companies
Same sector, ranked by comparable sizeCompany registry
Company registry (CBE)
Crossroads Bank| Legal nameNL | Cetofin |