C.B.A. Advice
ActiveC.B.A. Advice has been active since 1994 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €516k and a net result of €67k. Equity is growing by ~24.5% per year across the filed fiscal years. Its solvency ranks better than 95% of 9183 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
83
/ 100
Excellent
The score weighs solvency, liquidity, profitability and financial development. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability84▼-2
Solvency100=
Growth78=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 20.74 against 9.37 in 2024; short-term debt: 3.7% and cash: 3% of total assets), and 3.7% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Sector 68
lower
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
96.3%
Return on assets
12.6%
Age of the figures
9 mo
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 d early
2024
6 d late
2023
5 d late
2022
28 d late
2021
26 d early
2020
9 d early
2019
28 d early
← before the deadline
after the deadline →
neutral · 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 monthsPosition in the running window
22-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€516k▲ 15.0%
2024 · €448k
2018: €108k
2019: €102k
2020: €209k
2021: €244k
2022: €304k
2023: €381k
2024: €448k
2018 → 2025
Total assets
€536k▲ 10.1%
2024 · €487k
2018: €109k
2019: €104k
2020: €231k
2021: €267k
2022: €326k
2023: €412k
2024: €487k
2018 → 2025
Net result
€67k▲ 0.6%
2024 · €67k
2018: €-3k
2019: €-6k
2020: €107k
2021: €36k
2022: €60k
2023: €77k
2024: €67k
2018 → 2025
Working capital
€390k▲ 23.7%
2024 · €315k
2018: €551
2019: €-888
2020: €108k
2021: €142k
2022: €208k
2023: €288k
2024: €315k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€244k-€304k▲ 24.5%€381k▲ 25.4%€448k▲ 17.6%€516k▲ 15.0%
Operating result€49k-€88k▲ 81.6%€114k▲ 29.1%€93k▼ 18.7%€95k▲ 2.4%
Net result€36k-€60k▲ 68.6%€77k▲ 29.1%€67k▼ 13.3%€67k▲ 0.6%
Turnover and EBIT margin not published: the abbreviated or micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 2% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €536k
Fixed assets
€126k▼ 5.7%
Current assets
€410k▲ 16.1%
Equity and liabilities €536k
Equity
€516k▲ 15.0%
Debt
€20k▼ 47.6%
The debt ratio falls from 7.9% to 3.7%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€114k▲
2024 · €110k
Cash flow
€86k▲
2024 · €84k
Solvency
96.3%▲
2024 · 92.1%
Current ratio
20.74▲
2024 · 9.37
Quick ratio
20.74▲
2024 · 9.37
Debt / equity
0.04▼
2024 · 0.09
ROE
13.1%▼
2024 · 14.9%
ROA
12.6%▼
2024 · 13.8%
Interest coverage
632.09▲
2024 · 610.67
Debt
€20k▼
2024 · €38k
Debt ≤ 1 year
€20k▼
2024 · €38k
Income taxes
€32k▼
2024 · €34k
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€487k€536k▲
Fixed assets21/28€134k€126k▼
Tangible fixed assets22/27€134k€126k▼
Land and buildings22€91k€92k▲
Plant, machinery and equipment23€2k€1k▼
Furniture and vehicles24€42k€33k▼
Current assets29/58€353k€410k▲
Amounts receivable within one year40/41€76k€67k▼
Trade receivables40€76k€67k▼
Other amounts receivable41-€56
Current investments50/53€260k€325k▲
Cash at bank and in hand54/58€15k€16k▲
Deferred charges and accrued income490/1€2k€937▼
Equity and liabilities
Total equity and liabilities10/49€487k€536k▲
Equity10/15€448k€516k▲
Contributions10/11€99k€99k=
Capital10€99k€99k=
Issued capital100€99k€99k=
Reserves13€214k€281k▲
Non-distributable reserves130/1€10k€10k=
Legal reserve130€10k€10k=
Distributable reserves133€204k€271k▲
Profit (loss) carried forward14€135k€135k=
Amounts payable17/49€38k€20k▼
Amounts payable within one year42/48€38k€20k▼
Trade debts44€0-
Suppliers440/4€0-
Taxes, remuneration and social security45€36k€20k▼
Taxes450/3€36k€20k▼
Other amounts payable47/48€2k€0▼
Accrued charges and deferred income492/3€581€281▼
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€17k€19k▲
Other operating charges640/8€4k€4k▼
Gross operating margin9900€114k€118k▲
Operating profit (loss)9901€93k€95k▲
Financial income75/76B€8k€5k▼
Recurring financial income75€8k€5k▼
Financial charges65/66B€180€180▼
Recurring financial charges65€180€180▼
Profit (loss) for the period before taxes9903€101k€100k▼
Income taxes67/77€34k€32k▼
Profit (loss) for the period9904€67k€67k▲
Profit (loss) for the period to be appropriated9905€67k€67k▲
Appropriation of the result
Profit (loss) to be appropriated9906€202k€203k▲
Profit (loss) brought forward from the previous period14P€135k€135k=
Transfer to equity691/2€67k€67k▲
To other reserves6921€67k€67k▲
The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
28-07
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2025
31-12
Financial
Liquidity doublescurrent ratio 20.74
Current ratio from 9.37 to 20.74; short-term debt falls from €38k to €20k.
31-12
Financial
Equity above €500kEq €516k ▲15%
6 profitable years in a row build equity to €516k.
06-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 6 days late
2024
05-08
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 5 days late
2023
28-08
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema · 28 days late
2022
05-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
22-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
31-12
Financial
Back to profitnet €107k
Net result €107k after 2 loss-making years.
31-12
Financial
Liquidity times 9current ratio 5.81
Current ratio from 0.61 to 5.81.
31-12
Financial
Equity above €200kEq €209k ▲105%
Equity rises from €102k to €209k.
03-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Weakest financial yearnet €-6k
Net result drops to €-6k, the lowest in the series; recovery starts the following year.
11-07
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
13-07
NBB filing
Annual accounts filed
fiscal year 2017 · micro schema
2017
11-07
NBB filing
Annual accounts filed
fiscal year 2016 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
10 acts for this company are 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, Evergem · 1 establishment unit since 1994
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.
Goeiingen 49940 EvergemGround area
2,080 m²
Building footprint
173 m²
Volume, LiDAR
1,001 m³
Parcel 44019C0199/00E002, Flanders · tallest building 9.9 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
C.B.A. Advice
since 19942.066.855.511
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 44019C0199/00E002 | Flanders | 2,080 m² | 1 · 173 m² | 9.9 m · 2 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.
Similar companies · same sector, comparable size
CDFI
BE 0811.711.341
Braine-l'Alleud · Eq €516k
DEO Belgium
BE 0899.699.447
Etterbeek · Eq €516k
GVDH PROJECTS
BE 0506.670.590
Tremelo · Eq €516k
E.F.C. Immo
BE 0761.354.681
Herk-de-Stad · Eq €516k
Fullerstone Properties
BE 0652.727.648
Antwerpen · Eq €515k
Of 7,321 companies in sector 68110 we hold annual accounts for 5,382. 3,668 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded18-04-1994
Fiscal year end31-12
Activities, NACEBEL
68110Buying and selling of own real estate
70120
82990Other business support services
Sources
Crossroads Bank for EnterprisesNational Bank · 31 filingsAddress and cadastre registers
Data from official sources, last processed on 20-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
1 entryPhone:09/242.40.28