Colle&DeSaffel

Active

Private limited companyfounded 20232 yrs activeNekkersvijverstraat 73, 9040 Gent, BelgiumKBO/BCE: BE 1002.735.916

Colle&DeSaffel has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €71k and a net result of €27k. Its solvency ranks better than 79% of 16942 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.6% (low).

Watch Print / PDF

Checked score

Score 2025

92 / 100

Excellent

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability100=

Solvency100▲+6

Growth52

Track record82

Bankruptcy probability, 12 months

0.6% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €6k at 30 days only on tighter terms

Liquidity ample (current ratio 5.18 against 2.36 in 2024; short-term debt: 15.9% and cash: 47.3% of total assets), and 15.9% of the assets are financed with debt.

How do we compute the score and the probability?

Credit advice for your own amount and term

Signals

Seven signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 62

Relative position

BE, all sectors

reference

Sector 62

lower

← fewer bankruptcies more bankruptcies →

Young company

A young company has little track record yet and statistically fails more often than an established one.

KBO · incorporation date

Age against the risk zone

Multiple establishment units

Several establishment units mean more fixed costs, and such companies fail more often than a company with one establishment.

KBO · establishment units

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

84.1%

Return on assets

32.2%

Age of the figures

9 mo

Latest accounts filed on time

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 28-07-2026, 3 days ahead of the deadline.

NBB · 2 filings

Deviation from the deadline

2025

3 d early

2024

6 d early

← before the deadline after the deadline →

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 months

Position in the running window

16-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€71k▲ 45.6%

2024 · €49k

2024: €49k

2024 → 2025

Total assets

€85k▲ 19.7%

2024 · €71k

2024: €71k

2024 → 2025

Net result

€27k▼ 42.8%

2024 · €48k

2024: €48k

2024 → 2025

Working capital

€56k▲ 89.1%

2024 · €30k

2024: €30k

2024 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line20242025Trend

Equity€49k-€71k▲ 45.6%

Operating result€64k-€34k▼ 46.5%

Net result€48k-€27k▼ 42.8%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result falls in 2025; 2025 is 47% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €85k

17.5%

82.5%

Fixed assets €15k▼ 22.3%

Current assets €70k▲ 35.2%

Equity and liabilities €85k

84.1%

15.9%

Equity €71k▲ 45.6%

Debt €13k▼ 38.2%

The debt ratio falls from 30.9% to 15.9%. Equity is higher and debt is lower.

Key figures and ratios

2025 value · change against 2024

EBITDA

€40k▼

2024 · €71k

Cash flow

€33k▼

2024 · €54k

Solvency

84.1%▲

2024 · 69.1%

Current ratio

5.18▲

2024 · 2.36

Quick ratio

3.76▲

2024 · 1.58

Debt / equity

0.19▼

2024 · 0.45

ROE

38.2%▼

2024 · 97.4%

ROA

32.2%▼

2024 · 67.3%

Interest coverage

40.10▼

2024 · 89.66

Debt

€13k▼

2024 · €22k

Debt ≤ 1 year

€13k▼

2024 · €22k

Income taxes

€6k▼

2024 · €16k

Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.

Filed annual accounts

As filed with the NBB · 2025 against 2024

Balance sheet Code20242025

Assets

Total assets20/58€71k€85k▲

Fixed assets21/28€19k€15k▼

Intangible fixed assets21€1k€872▼

Tangible fixed assets22/27€16k€12k▼

Plant, machinery and equipment23-€2k

Furniture and vehicles24€14k€9k▼

Other tangible fixed assets26€1k€1k▼

Financial fixed assets28€2k€2k=

Current assets29/58€52k€70k▲

Stocks and contracts in progress3€17k€19k▲

Stocks30/36€17k€19k▲

Amounts receivable within one year40/41€14k€8k▼

Trade receivables40€14k€5k▼

Other amounts receivable41€375€3k▲

Cash at bank and in hand54/58€20k€40k▲

Deferred charges and accrued income490/1€231€2k▲

Equity and liabilities

Total equity and liabilities10/49€71k€85k▲

Equity10/15€49k€71k▲

Contributions10/11€3k€3k=

Reserves13€46k€68k▲

Distributable reserves133€46k€68k▲

Amounts payable17/49€22k€13k▼

Amounts payable within one year42/48€22k€13k▼

Trade debts44€8k€4k▼

Suppliers440/4€8k€4k▼

Taxes, remuneration and social security45€11k€1k▼

Taxes450/3€11k€1k▼

Other amounts payable47/48€3k€8k▲

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€6k€6k▼

Other operating charges640/8€772€688▼

Gross operating margin9900€71k€41k▼

Operating profit (loss)9901€64k€34k▼

Financial income75/76B€0€10▲

Recurring financial income75€0€10▲

Financial charges65/66B€788€1k▲

Recurring financial charges65€788€1k▲

Profit (loss) for the period before taxes9903€64k€33k▼

Income taxes67/77€16k€6k▼

Profit (loss) for the period9904€48k€27k▼

Profit (loss) for the period to be appropriated9905€48k€27k▼

Appropriation of the result

Profit (loss) to be appropriated9906€48k€27k▼

Transfer to equity691/2€46k€22k▼

To other reserves6921€46k€22k▼

Profit to be distributed694/7€2k€5k▲

Return on contributions (dividend)694€2k€2k▼

Directors or managers695-€3k

The notes to these accounts (10 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

Download as CSV

Timeline · acts, filings and financial milestones

All 3Financial 1Filings 2

Next filing, fiscal year 2026, expected by 31-07-2027

2026

28-07

NBB filing Annual accounts filed

fiscal year 2025 · micro schema

2025

31-12

Financial Liquidity doublescurrent ratio 5.18

Current ratio from 2.36 to 5.18; short-term debt falls from €22k to €13k.

25-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

1 act for this company is 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, Gent · 2 establishment units since 2023

establishment All 2 establishment units on the map

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.

Nekkersvijverstraat 739040 Gent

Ground area

794 m²

Building footprint

183 m²

Volume, LiDAR

1,615 m³

2 parcels, Flanders · tallest building 14.1 m, ±4 floors. Linked by address, not a title deed.

2 establishment units

Colle&DeSaffel

Nekkersvijverstraat 73, 9040 GentRetail sale of second-hand clothing

since 20232.352.395.104

De Vitrine

Ottogracht 35/37, 9000 GentRetail sale of antiques

since 20242.368.759.596

2 parcels

Flanders 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
44432C1092/00M003	Flanders	605 m²	1 · 111 m²	10.7 m · 2 fl.
44802B0302/00H000	Flanders	189 m²	1 · 73 m²	14.1 m · 4 fl.

Linked by address, not proof of ownership

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.

Similar companies · same sector, comparable size

CREACOMNET PARTNERS

BE 0467.157.641

Sint-Gillis (bij-Brussel) · Eq €71k

Sint-Truiden · Eq €71k

NELIK SOLUTIONS

BE 0711.941.594

Sint-Gillis (bij-Brussel) · Eq €71k

Of 29,997 companies in sector 62200 we hold annual accounts for 18,386. 15,548 are within a factor 10 of this equity.See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded28-11-2023

Fiscal year end31-12

Activities, NACEBEL

62020IT consultancy

62200Computer consultancy and computer facilities management

43240Other construction installation

43299Specialised construction activities

47791Retail sale of antiques

47792Retail sale of second-hand clothing

86906Human health activities

86940Nursing and midwifery

Sources

Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers

Data from official sources, last processed on 16-09-2026. Scores and ratios are computed by Checked and are not a credit decision.