Checkpoint
ActiveSummary
Checkpoint has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €156k and a net result of €111k. Its solvency ranks better than 39% of 7780 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.4% (low).
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability76▼-11
Solvency62▲+22
Growth78
Track record94
Bankruptcy probability, 12 months
1.4%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €10k at 30 days acceptable
Liquidity ample (current ratio 1.59 against 0.71 in 2024; short-term debt: 29% and cash: 14.6% of total assets), but 63% of the assets are financed with debt.
Credit check for your own amount and term
Signals
Five signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 82
Relative position
BE, all sectors
reference
Sector 82
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
37%
Return on assets
26.2%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-08-2026, 30 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 · 2 filingsDeviation from the deadline
2025
30 d late
2024
31 d late
← before the deadline
after the deadline →
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
25-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€156k▲ 242%
2024 · €46k
2024: €46k
2024 → 2025
Total assets
€422k▲ 39.8%
2024 · €302k
2024: €302k
2024 → 2025
Net result
€111k▲ 150%
2024 · €44k
2024: €44k
2024 → 2025
Working capital
€72k
2024 · €-24k
2024: €-24k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€46k-€156k▲ 242%
Operating result€63k-€223k▲ 256%
Net result€44k-€111k▲ 150%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 256% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €422k
Fixed assets
€228k ▼ 6.7%
Current assets
€194k ▲ 237%
Equity and liabilities €422k
Equity
€156k ▲ 242%
Debt
€266k ▲ 3.8%
Debt's share of the balance-sheet total falls from 84.9% to 63.0%. Equity and debt are higher.
Key figures and ratios
EBITDA
€251k▲
2024 · €74k
Cash flow
€139k▲
2024 · €55k
Current ratio
1.59▲
2024 · 0.71
Debt to equity
1.70▼
2024 · 5.61
ROE
70.8%▼
2024 · 96.8%
ROA
26.2%▲
2024 · 14.7%
Interest coverage
3.09▼
2024 · 10.79
Debt ≤ 1 year
€123k▲
2024 · €82k
Debt > 1 year
€143k▼
2024 · €175k
Income taxes
€31k▲
2024 · €12k
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 · 44 lines
Balance sheet
Code20242025
Assets
Total assets20/58€302k€422k▲
Fixed assets21/28€244k€228k▼
Intangible fixed assets21€240k€215k▼
Tangible fixed assets22/27€4k€13k▲
Plant, machinery and equipment23€460€361▼
Furniture and vehicles24€4k€13k▲
Current assets29/58€58k€194k▲
Amounts receivable within one year40/41€44k€131k▲
Trade receivables40€37k€120k▲
Other amounts receivable41€7k€11k▲
Cash at bank and in hand54/58€13k€62k▲
Deferred charges and accrued income490/1€933€1k▲
Equity and liabilities
Total equity and liabilities10/49€302k€422k▲
Equity10/15€46k€156k▲
Contributions10/11€1k€1k=
Reserves13-€155k
Distributable reserves133-€155k
Profit (loss) carried forward14€45k-
Amounts payable17/49€256k€266k▲
Amounts payable after more than one year17€175k€143k▼
Financial debts170/4€175k€143k▼
Amounts payable within one year42/48€82k€123k▲
Current portion of amounts payable after more than one year42€17k€32k▲
Trade debts44€11k€25k▲
Suppliers440/4€11k€25k▲
Taxes, remuneration and social security45€19k€61k▲
Taxes450/3€19k€61k▲
Other amounts payable47/48€34k€4k▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€11k€28k▲
Other operating charges640/8€63€1k▲
Gross operating margin9900€74k€253k▲
Operating profit (loss)9901€63k€223k▲
Financial income75/76B-€39
Recurring financial income75-€39
Financial charges65/66B€7k€81k▲
Recurring financial charges65€7k€81k▲
Profit (loss) for the period before taxes9903€56k€142k▲
Income taxes67/77€12k€31k▲
Profit (loss) for the period9904€44k€111k▲
Profit (loss) for the period to be appropriated9905€44k€111k▲
Appropriation of the result
Profit (loss) to be appropriated9906€45k€155k▲
Profit (loss) brought forward from the previous period14P€442€45k▲
Transfer to equity691/2-€155k
To other reserves6921-€155k
The notes to these accounts (9 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
30-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 30 days late
2025
31-12
Financial
Liquidity doublescurrent ratio 1.59
Current ratio from 0.71 to 1.59.
31-12
Financial
Equity above €150kEq €156k ▲242%
2 profitable years in a row build equity to €156k.
31-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 31 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 3 acts read
About the unread acts
We know of 3 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
3 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 2023
Ground area
4,653 m²
Building footprint
2,861 m²
Volume, LiDAR
80,518 m³
Parcel 21805E0475/00F000, Brussels · tallest building 34.5 m, ±9 floors. Linked by address, not a title deed.
355
companies at this address
See who is registered here
1 establishment unit
Checkpoint
since 20232.347.003.387
1 parcel
Brussels
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 21805E0475/00F000 | Brussels | 4,653 m² | 1 · 2,861 m² | 34.5 m · 9 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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WAREN
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BURGGRAAF
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Of 24,497 companies in sector 82990 we hold annual accounts for 9,406. 7,106 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
Founded01-07-2023
Fiscal year end31-12
Activities, NACEBEL 2025
82990Other business support services
82100Office administrative and support services
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Scores and ratios are computed by Checked and are not a credit decision.