Liquidity
20.74 was 9.37 in 2024
Short-term debts fell from €37,627 to €19,745.
C.B.A. Advice
Lifetime
20 annual accounts with figures on one time axis, 31 filings since 1995peak €125,971 (2023)
€117,636▲ 3.3%
lowest -€11,025 (2014)
€67,334▲ 0.6%
peak €515,749 (2025)
€515,749▲ 15.0%
€20,026▼ 47.6%
Board6 names since 2017
4 directorsVincent Hendrik and 3 others
Documentsfilings and deeds
28-07-20263 days before the deadline
2025abbreviated format
Registered office moved to Evergem 29-08Equity from €448,414 to €515,749Debts from €38,208 to €20,026
Key points
from the 2025 annual accountsFilings
31 annual accounts since 1995
Three of the last ten came late. The 2022 accounts came latest: 28 days after the end of the period.
Position in the sector
96.3%
Higher solvency than 94% of companies in real estate. Sector median 30.7% · 11,297 companies.
Checked score
91
Excellent
Financially stronger than 77% of micro companies in real estate (NACE 68)
Probability in this band: under 0.55%
Bankruptcy probability within 12 months
0.2% Very low
0%0.5%1.5%4%10%≥ 25%
The dashed line is the sector median: 0.2% across 26,627 companies (NACE 68, micro).
About 2 in 1,000 comparable companies go bankrupt within 12 months (an estimate).
Last 24 months
12-2024: < 0.1%
01-2025: < 0.1%● unchanged vs 12-2024lowest value
02-2025: < 0.1%● unchanged vs 01-2025
03-2025: < 0.1%● unchanged vs 02-2025
04-2025: < 0.1%● unchanged vs 03-2025
05-2025: < 0.1%● unchanged vs 04-2025
06-2025: < 0.1%● unchanged vs 05-2025
07-2025: < 0.1%● unchanged vs 06-2025
08-2025: 0.1%▲ +0.1 percentage points vs 07-2025
09-2025: 0.3%▲ +0.2 percentage points vs 08-2025
10-2025: 0.3%● unchanged vs 09-2025
11-2025: 0.3%● unchanged vs 10-2025
12-2025: 0.3%● unchanged vs 11-2025
01-2026: 0.3%● unchanged vs 12-2025
02-2026: 0.3%● unchanged vs 01-2026
03-2026: 0.3%● unchanged vs 02-2026
04-2026: 0.3%● unchanged vs 03-2026
05-2026: 0.3%● unchanged vs 04-2026
06-2026: 0.3%● unchanged vs 05-2026
07-2026: 0.3%● unchanged vs 06-2026highest value
08-2026: 0.2%▼ -0.1 percentage points vs 07-2026
09-2026: 0.2%● unchanged vs 08-2026
10-2026: 0.2%● unchanged vs 09-2026
11-2026: 0.2%● unchanged vs 10-2026
Financial strengthStrong
Score breakdown
raises risk
1 change of registered office in 24 months
Liquidity: current ratio 20.74, cash €16,126
lowers risk
Equity €515,749 (96.3% of total assets)
Figures for financial year 2025 (filed on 05-08-2026)
Calculation
The band follows from the bankruptcy probability. 10 more points roughly halve it.
| 75-100 | Excellent | under 0.55% |
| 60-74 | Healthy | 0.55% to 1.5% |
| 45-59 | Fair | 1.5% to 4.2% |
| 25-44 | Weak | 4.2% to 15.0% |
| 0-24 | Critical | over 15.0% |
Where the company stands within its band depends half on the bankruptcy probability and half on how it does against its sector peers (NACE 68, micro). It does better than 91% of them on solvency, 63% on liquidity, 82% on profitability and 71% on growth.
The bankruptcy probability was computed on 10-11-2026 by the bankruptcy model of 2 October 2026, which learns from Belgian bankruptcies and reads the registers, the annual accounts and the Belgian Official Gazette.
The probability rests on the annual accounts with balance sheet date 31-12-2025.
Of the companies with a bankruptcy probability in the very low class on 30-06-2025, 0.1% went bankrupt within twelve months.
Some facts cap the score, however low the probability. With negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late, the score is Fair at most (59). With two missing filings, it is Weak at most (44). During a judicial reorganisation or at the company's end (bankruptcy, dissolution, liquidation), it is Critical at most (24).
Comparable companies, two years later
In July 2024, 20,137 companies had the same profile as C.B.A. Advice has now. Each dot stands for 51 companies, two years later.
95.0%
were still trading
4.7%
stopped another way
0.2%
went bankrupt
That fits the bankruptcy probability of C.B.A. Advice itself: 0.2% within 12 months.
Test of the method
The method was tested on the 497,447 companies of July 2024. Each company was given the bankruptcy share of the same profile a year earlier, in July 2023. The expectation was that 1.6% would go bankrupt within 24 months. In fact 1.7% went bankrupt.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 0.9% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
A company that went bankrupt had a higher expected share than one that kept going in 74.5% of comparisons. The level depends on the economy. In a year with more bankruptcies than the year before, the actual share is higher than the expected one.
This is an observation about 20,137 companies, not a prediction for C.B.A. Advice. The sector does not count, because the KBO no longer lists a sector for a company that has stopped. By sector, mostly the survivors would count, which would paint too rosy a picture.
Credit verdict
Credit of up to €45,000 on 30-day terms is acceptable
Liquidity is ample, with a current ratio of 20.74 (9.37 in 2024), above the usual 1.5. Short-term debt is 3.7% and cash 3% of total assets. 3.7% of the assets are financed with debt and provisions.
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The scores and ratios are Checked's own calculations, not a credit decision.
Signals
Five signals.
lowers riskraises riskneutral
neutral · 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 · 10 filingsDeviation from the deadline
2025
3 days early
2024
6 days late
2023
5 days late
2022
28 days late
2021
26 days early
2020
9 days early
2019
28 days early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
The company filed its last 7 accounts on average 4 days before the deadline. In the sector (NACE 68), the median for financial year 2024 was 7 days before the deadline, and 36% of those companies filed late.
Searched, nothing found (2)
neutral · Next filing not due yet
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. The company usually files around 6 August (4 of the last 5 accounts filed within 30 days either side of that date).
Companies Code · seven monthsWhere today falls in the filing period
10-11-2026 today31-12-2026 year end31-07-2027 deadline
Recent changes
Registered in the Peppol Directory
Reachable for e-invoices through 0208:0452500842
Registered office moved to Evergem
New registered office: Goeiingen 4, 9940 Evergem · Previous registered office: Kapellestraat 20 A/201 Gent · General meeting of 08-07-2025 · Gazette deed
4 directors reappointed
De Poorter Sabina, H. Vincent, De Poorter Caroline (managing director) and Vincent Candice · General meeting of 30-06-2022 · Gazette deed
Reappointments: DePoorterSabina (director) and VincentHendrik (director)
General meeting of 11-06-2020 · Gazette deed
Comparable companies
same main activity, similar in size and age| Company | ||||
|---|---|---|---|---|
| C.B.A. Advice Evergem | €535,775 | €117,636 | 96.3% | - |
| MXK2 Geraardsbergen | €536,009 | €119,179 | 79.8% | - |
| SARLITH Nazareth-De Pinte | €550,079 | €121,532 | 99.4% | - |
| Aelterman Ghent | €469,530 | €90,437 | 48.4% | - |
| Ilse Lissens Vastgoedadvies Scherpenheuvel-Zichem | €460,061 | €107,035 | 68.3% | - |
| MARTENS BESTRATINGEN Wuustwezel | €451,177 | €112,206 | 53.2% | 1 |
| IMMO ED & CO Beringen | €548,048 | €99,917 | 16.1% | 0 |
These companies have the same main activity as C.B.A. Advice: buying and selling of own real estate (NACE 68110). They are comparable in size and age: total assets between €451,000 and €550,000, founded between 1989 and 1995.
Official details
Source: KBO- Status
- Active since 18-04-1994Normal situation
- Activity
- Buying and selling of own real estateNACE 68110and 1 other
- Establishment unit
- 2.066.855.5119940 Evergem, since 17-05-1994
- Financial year end
- 31 December
- Peppol
- Reachable since 04-10-2025
Annual accounts 2025
- ≈ €250,000estimated
- €535,775▲ 10.1%
- Filing
- Filed on 28-07-2026, 3 days before the end of the filing period
Insights on C.B.A. Advice
C.B.A. Advice files the abbreviated format. That format states no turnover. The gross margin rose from €2,760 in 2006 to €117,636 in 2025.
Sources: KBO register, filings at the National Bank, Belgian Official Gazette. Click a figure with a dotted line for the item and the filing.
Key facts about C.B.A. Advice
- What is the company number of C.B.A. Advice?
- The company number of C.B.A. Advice is 0452.500.842. The VAT number is the same number with BE in front: BE 0452.500.842.
- Where is C.B.A. Advice based?
- The registered office is at Goeiingen 4, 9940 Evergem.Company details
- What does C.B.A. Advice do?
- According to the KBO register, the main activity is buying and selling of own real estate (NACE 68110).
- What is the legal form of C.B.A. Advice?
- C.B.A. Advice is a public limited company (NV).
- When was C.B.A. Advice founded?
- C.B.A. Advice was founded on 18-04-1994.
- Is C.B.A. Advice still active?
- Yes, C.B.A. Advice is an active enterprise in the KBO register.
- What is the turnover of C.B.A. Advice?
- The turnover in financial year 2025 is ≈ €250,000. This figure is estimated from the gross margin of €117,636 and 33 comparable companies (NACE 681). It probably lies between €160,000 and €570,000.Financials
- Is C.B.A. Advice profitable?
- In financial year 2025, C.B.A. Advice made a profit of €67,334.
- Where can I find the annual accounts of C.B.A. Advice?
- C.B.A. Advice filed 31 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
- When are the next annual accounts of C.B.A. Advice due?
- C.B.A. Advice must file the annual accounts for financial year 2026 by 31-07-2027.Timeline
Next steps
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