Summary
Conclusion
the dossier summarised in one paragraphPUTZEYS is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €288k and a net result of €23k. Equity is growing by ~5.4% per year across the filed fiscal years. Its solvency ranks better than 95% of 87 sector peers (fiscal year 2025). The company has been active since 1976 and the Belgian State Gazette contains no insolvency or warning signals.
Based on the State Gazette, CBE and 7 annual accounts.
Signals
3 signals · with evidenceSignals are derived from the filed annual accounts and the sector comparison. No composite score: each signal is separately verifiable at the source.
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 · 2025How 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).
| Metric | This company | Sector median | Position in the sector |
|---|---|---|---|
| Solvency | 97.3% | 21.8% | |
| Net result | €23k | €84k | |
| Equity | €288k | €116k | |
| Gross operating margin | €84k | €428k | |
| Staff costs | €48k | €434k |
| Fiscal year | 2025 |
|---|---|
| Revenue | n/a |
| EBITDA | n/a |
| Net profit | €23k |
| Cash flow | n/a |
| Staff costs | €48k |
| Income taxes | €10k |
| Dividends | - |
| Total assets | €296k |
| Equity | €288k |
| Debt | €8k |
| of which ≤ 1y | €8k |
| of which > 1y | - |
| Working capital | n/a |
| Employees (FTE) | 0.8 |
| 2025 | |
|---|---|
| Current ratio | n/a |
| Quick ratio | n/a |
| Working capital ratio | n/a |
| Solvency | 97.3% |
| Debt / equity | n/a |
| Long-term debt ratio | n/a |
| Interest coverage | n/a |
| Gross margin | n/a |
| Net margin | n/a |
| ROA | 7.9% |
| ROE | 8.1% |
| 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 | 2025 |
|---|---|---|
| Balance sheet, Assets | ||
| TOTAL ASSETS | 20/58 | €296k |
| Fixed assets | 21/28 | €2k |
| Tangible fixed assets | 22/27 | €2k |
| Financial fixed assets | 28 | €821 |
| Current assets | 29/58 | €293k |
| Amounts receivable within one year | 40/41 | €260k |
| Cash & bank | 54/58 | €34k |
| Balance sheet, Equity & liabilities | ||
| TOTAL EQUITY & LIABILITIES | 10/49 | €296k |
| Equity | 10/15 | €288k |
| Contributions / capital | 10/11 | €19k |
| Reserves | 13 | €269k |
| Amounts payable | 17/49 | €8k |
| Amounts payable within one year | 42/48 | €8k |
| Trade debts payable within one year | 44 | €1k |
| Income statement | ||
| Gross operating margin | 9900 | €84k |
| Operating result | 9901 | €35k |
| Financial income | 75 | €455 |
| Financial charges | 65 | €2k |
| Result before taxes | 9903 | €34k |
| Income taxes | 67/77 | €10k |
| Net result for the period | 9904 | €23k |
| Result to be appropriated | 9905 | €23k |
Health barometer
FY 2025 · computedStructure & network
Locations & real estate
Establishment 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. |
|---|---|---|---|---|
| 71326F0010/00C003 | Flanders | 5,413 m² | 1 · 1,479 m² | 20.9 m · 4 fl. |
Publications
Lifecycle & Insolvency Signals
Belgisch Staatsblad · acts
1 acts11-04-2022 Claus Putzeys resigns as director
- Claus Putzeys, Bestuurder
Analysis
Snowflake analysis
financial profile on 5 axesStrong profile, led by solvency.
Computed on 4 of 5 axes. Not measured: health. An unmeasured axis is not a zero: no data was read for it.
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AI due-diligence brief
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Credit advice
verdict per customer and amountSimilar
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Company registry (CBE)
Crossroads Bank| Legal nameNL | PUTZEYS |