Cristo Bello
ActiveThe computed 12-month bankruptcy probability of Cristo Bello is 1.8% (moderate). The 2026 annual accounts show equity of €69k and a net result of €36k. Its solvency ranks better than 39% of 162 sector peers (fiscal year 2026). The company has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Score 2026
48
/ 100
Fair
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes
Profitability78
Solvency39
Growth-
Track record67
Bankruptcy probability, 12 months
1.8%
Moderate
0%0.5%1.5%4%10%≥ 25%
Credit up to €3k at 30 days acceptable
Liquidity tight (current ratio 1.02; short-term debt: 70.3% and cash: 0.2% of total assets), and 85.8% of the assets are financed with debt.
Credit advice 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 · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 47
Relative position
BE, all sectors
reference
Sector 47
higher
← 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 2026Solvency, return and age of the figures
Solvency
14.2%
Return on assets
7.3%
Age of the figures
6 mo
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2026 was due by 31-10-2026 and was filed on 11-09-2026, 50 days ahead of the deadline.
NBB · 1 filingDeviation from the deadline
2026
50 d early
← before the deadline
after the deadline →
Financials · fiscal year 2026, micro schema
Equity
€69k
Total assets
€486k
Net result
€36k
Working capital
€7k
Turnover and EBIT margin not published: the micro schema does not require them.
Balance-sheet composition
Assets €486k
Fixed assets
€137k
Current assets
€349k
Equity and liabilities €486k
Equity
€69k
Debt
€417k
Debt finances 85.8% of the balance-sheet total.
Key figures and ratios
EBITDA
€69k
Cash flow
€64k
Solvency
14.2%
Current ratio
1.02
Quick ratio
0.02
Debt / equity
6.05
ROE
51.8%
ROA
7.3%
Interest coverage
6.07
Debt
€417k
Debt ≤ 1 year
€342k
Debt > 1 year
€74k
Income taxes
€10k
Staff costs
€58k
Filed annual accounts
As filed with the NBB · 2026
Balance sheet
Code2026
Assets
Total assets20/58€486k
Fixed assets21/28€137k
Intangible fixed assets21€134k
Tangible fixed assets22/27€1k
Plant, machinery and equipment23€1k
Financial fixed assets28€2k
Current assets29/58€349k
Stocks and contracts in progress3€343k
Stocks30/36€343k
Amounts receivable within one year40/41€5
Other amounts receivable41€5
Cash at bank and in hand54/58€1k
Deferred charges and accrued income490/1€5k
Equity and liabilities
Total equity and liabilities10/49€486k
Equity10/15€69k
Contributions10/11€33k
Reserves13€36k
Distributable reserves133€36k
Amounts payable17/49€417k
Amounts payable after more than one year17€74k
Financial debts170/4€70k
Other amounts payable178/9€4k
Amounts payable within one year42/48€342k
Current portion of amounts payable after more than one year42€13k
Financial debts43€174k
Credit institutions430/8€174k
Trade debts44€131k
Suppliers440/4€131k
Taxes, remuneration and social security45€24k
Taxes450/3€12k
Remuneration and social security454/9€12k
Accrued charges and deferred income492/3€1k
Income statement
Code2026
Remuneration, social security and pensions62€58k
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€28k
Other operating charges640/8€571
Gross operating margin9900€128k
Operating profit (loss)9901€41k
Financial income75/76B€16k
Recurring financial income75€16k
Financial charges65/66B€11k
Recurring financial charges65€11k
Profit (loss) for the period before taxes9903€45k
Income taxes67/77€10k
Profit (loss) for the period9904€36k
Profit (loss) for the period to be appropriated9905€36k
Appropriation of the result
Profit (loss) to be appropriated9906€36k
Transfer to equity691/2€36k
To other reserves6921€36k
The notes to these accounts (15 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
2026
11-09
NBB filing
Annual accounts filed
fiscal year 2026 · micro schema
NBB filing
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, Middelkerke · 1 establishment unit since 2025
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.
Leopoldlaan 498430 MiddelkerkeGround area
532 m²
Building footprint
530 m²
Volume, LiDAR
11,620 m³
Parcel 35011B0180/00V082, Flanders · tallest building 28.2 m, ±8 floors. Linked by address, not a title deed.
1 establishment unit
Cristo Bello
since 20252.360.646.042
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 35011B0180/00V082 | Flanders | 532 m² | 1 · 530 m² | 28.2 m · 8 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.
1 of these parcels carry protected heritage (source: regional heritage registers, Onroerend Erfgoed / patrimoine.brussels).
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Of 1,035 companies in sector 47721 we hold annual accounts for 583. 449 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded13-06-2024
Fiscal year end31-03
Activities, NACEBEL
47721Retail sale of footwear
Sources
Crossroads Bank for EnterprisesNational Bank · 1 filingAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.