Active BE 0455.897.624Public limited company

C&A Tools

Gouden Kruispunt 39 ·3390 Tielt-Winge, Belgium· 30 yrs active

Sector: Retail trade (47716)

Conclusion Checked

The computed 12-month bankruptcy probability of C&A Tools is 1.5% (moderate). The 2019 annual accounts show equity of €9k and a net result of €-93k. The company has been active since 1995 and the Belgian State Gazette contains no insolvency or warning signals.

Based on the State Gazette, CBE and 2 annual accounts.

Key figures

Equity	€9k
Net result	€-93k
Staff (FTE)	2.5
Active	30 yrs

Snowflake analysis 5 axes · computed by Checked

33 / 100

Fragile profile, watch profitability in particular.

Health 22

Profitability 0

Solvency 9

Growth 32

Stability 100

Bankruptcy probability (12 mo) Checked model v1 · free

1.5% Moderate

0%0,5%1,5%4%10%≥25%

Annual accounts: weaker financial profile +Long track record −Higher-failure-rate sector +

Statistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?

Risk Assessment rule-based

0 / 100

Low risk

Trust signals 3 signals

Long-established

Founded in 1995, 30 years in business.

No legal incidents

No bankruptcy, reorganisation or interim measure in the Belgisch Staatsblad.

Administratively compliant

No FOD Economie strikeouts (UBO, accounts, address, activity).

Administrative Flags 0 events

No administrative flags

Health barometer FY 2019 · computed

22 / 100 Critical

050100

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Computed by Checked from NBB filings and Belgian State Gazette signals. Indicative, not credit advice.

Financial overview10 NBB filings

Annual accounts filed on 24-09-2020 with the NBB · fiscal year 2019 · verkort

Operating resultNet result

EBITDA

€-58k

- far below sector median

Net profit

€-93k

-784.8% far below sector median

Cash flow

€-61k

- far below sector median

Total assets

€730k

-26.5% -93% vs sector

Equity

€9k

-91.0% -100% vs sector

Working capital

€-200k

-102.1% far below sector median

Employees (FTE)

3

-41.9% -97% vs sector

Debt

€721k

-19.1% -92% vs sector

Debt ≤ 1y

€721k

-18.7% -90% vs sector

Debt > 1y

€5k

- -100% vs sector

Current ratio

0.72

-18.7% -57% vs sector

Quick ratio

0.44

-29.3% -63% vs sector

Solvency

1.3%

-87.7% -97% vs sector

Debt / equity

0.05

- -95% vs sector

ROE

-1009.0%

-9711.9% far below sector median

ROA

-12.7%

-1104.3% far below sector median

Figures by fiscal year

Highlight YoY changes (±10%)

Fiscal year	2019
Revenue	-
EBITDA	€-58k
Net profit	€-93k
Cash flow	€-61k
Staff costs	-
Income taxes	-
Dividends	-
Total assets	€730k
Equity	€9k
Debt	€721k
of which ≤ 1y	€721k
of which > 1y	-
Working capital	€-200k
Employees (FTE)	2.5

Ratios (computed)

	2019
Current ratio	0.72
Quick ratio	0.44
Working capital ratio	-27.4%
Solvency	1.3%
Debt / equity	-
Long-term debt ratio	-
Interest coverage	-
Gross margin	-
Net margin	-
ROA	-12.7%
ROE	-1009.0%
EBITDA margin	-
Days sales outstanding	-
Days payable outstanding	-
Inventory turnover	-
Days inventory (DSI)	-

Balance-sheet composition 2019

Assets

Fixed assets €210k · 28.7% Current assets €521k · 71.3%

Equity & liabilities

Equity €9k · 1.3% Debt €721k · 98.7%

Full annual accounts

Filed balance sheet and income statement, exactly as deposited with the NBB.

Line item	Code	2019
Balance sheet, Assets
TOTAL ASSETS	20/58	€730k
Fixed assets	21/28	€210k
Tangible fixed assets	22/27	€209k
Financial fixed assets	28	€778
Current assets	29/58	€521k
Stocks & contracts in progress	3	€206k
Amounts receivable within one year	40/41	€292k
Investments	50/53	€3k
Cash & bank	54/58	€18k
Balance sheet, Equity & liabilities
TOTAL EQUITY & LIABILITIES	10/49	€730k
Equity	10/15	€9k
Contributions / capital	10/11	€75k
Reserves	13	€8k
Accumulated profits (losses)	14	€-73k
Amounts payable	17/49	€721k
Amounts payable within one year	42/48	€721k
Trade debts payable within one year	44	€51k
Income statement
Gross operating margin	9900	€10k
Operating result	9901	€-89k
Financial income	75	€2k
Financial charges	65	€6k
Result before taxes	9903	€-93k
Net result for the period	9904	€-93k
Result to be appropriated	9905	€-93k

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Ratios computed by Checked.

Legal Structure

NACE primary	Retail trade(47716)
Legal form	Public limited company(014)
Incorporation	28-08-1995
Status	Active
Postal code	3390

Establishment units 2 locations

LINGERIE FASHION

Buitensingel 74, 3920 LommelDetailhandel in bovenkleding voor heren, dames en kinderen (algemeen assortiment)

since 19992.074.013.418

LINGERIE FASHION

Gouden Kruispunt 39, 3390 Tielt-WingeDetailhandel in bovenkleding voor heren, dames en kinderen (algemeen assortiment)

since 19992.074.013.517

Physical sites registered in the Crossroads Bank for Enterprises (CBE).

Real-estate footprint Source: CBE × cadastre

Parcels 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.

Flanders 2 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
72344D0064/00C000	Flanders	1,847 m²	1 · 672 m²	11.5 m · 3 fl.
24101D0121/00K004	Flanders	723 m²	1 · 298 m²	6.6 m · 1 fl.

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.

Updates 10 events

A single timeline of everything that happened to this company, publications, insolvency and lifecycle events, administrative changes and filed annual accounts.

2020

24-09-2020