C.B.M.C.
ActiveC.B.M.C. has been active since 2006 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €114k and a net result of €-17k. Equity is growing by ~17.3% per year across the filed fiscal years. Its solvency ranks better than 95% of 9135 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
64
/ 100
Healthy
The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0▼-2
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7k at 30 days acceptable
Liquidity ample (current ratio 52.16; short-term debt: 1.4% and cash: 0% of total assets), and 1.4% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises 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
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
1819202122232425
2018 to 2025 · latest year €-17k
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 11-08-2026, 11 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 10 filingsDeviation from the deadline
2025
11 d late
2024
27 d late
2023
76 d late
2022
21 d late
2021
29 d late
2020
25 d early
2019
62 d late
← 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
18-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, abbreviated schema
Turnover
€13k
EBIT margin
2260.0%
Net result
€-17k▲ 3.9%
2024 · €-18k
2018: €5k
2019: €2k
2020: €-4k
2021: €218k
2022: €-19k
2023: €-25k
2024: €-18k
2018 → 2025
Working capital
€83k▼ 14.0%
2024 · €96k
2018: €-75k
2019: €-75k
2020: €-89k
2021: €152k
2022: €139k
2024: €96k
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Turnover€13k-
Equity€193k-€174k▼ 9.7%€149k▼ 14.4%€131k▼ 11.8%€114k▼ 12.9%
Operating result€284k-€-19k€-25k▼ 28.4%€-18k▲ 29.6%€-17k▲ 4.2%
Net result€218k-€-19k€-25k▼ 33.7%€-18k▲ 29.9%€-17k▲ 3.9%
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €17k in 2025 against €18k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €116k
Fixed assets
€32k▼ 9.9%
Current assets
€84k▼ 12.9%
Equity and liabilities €116k
Equity
€114k▼ 12.9%
Debt
€2k▲ 143%
The debt ratio rises from 0.5% to 1.4%. Equity is lower and debt is higher.
Key figures and ratios
EBITDA
€-12k▼
2024 · €-9k
Cash flow
€-12k▼
2024 · €-9k
Solvency
98.6%▼
2024 · 99.5%
Current ratio
52.16
Quick ratio
52.16
Debt / equity
0.01▲
2024 · 0.01
ROE
-14.8%▼
2024 · -13.4%
ROA
-14.6%▼
2024 · -13.4%
Interest coverage
-72.11▲
2024 · -80.94
Debt
€2k▲
2024 · €666
Debt ≤ 1 year
€2k▲
2024 · €666
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€132k€116k▼
Fixed assets21/28€35k€32k▼
Tangible fixed assets22/27€35k€31k▼
Land and buildings22€25k€24k▼
Plant, machinery and equipment23€1k€812▼
Furniture and vehicles24€8k€7k▼
Financial fixed assets28€360€360=
Current assets29/58€97k€84k▼
Amounts receivable within one year40/41€97k€84k▼
Other amounts receivable41€97k€84k▼
Cash at bank and in hand54/58€237€8▼
Equity and liabilities
Total equity and liabilities10/49€132k€116k▼
Equity10/15€131k€114k▼
Contributions10/11€62k€62k=
Capital10€62k€62k=
Issued capital100€62k€62k=
Reserves13€106k€106k=
Non-distributable reserves130/1€6k€6k=
Legal reserve130€6k€6k=
Distributable reserves133€100k€100k=
Profit (loss) carried forward14€-37k€-54k▼
Amounts payable17/49€666€2k▲
Amounts payable within one year42/48€666€2k▲
Trade debts44€666€2k▲
Suppliers440/4€666€2k▲
Income statement
Code20242025
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€8k€5k▼
Other operating charges640/8€95€3k▲
Gross operating margin9900€-9k€-9k▲
Operating profit (loss)9901€-18k€-17k▲
Financial income75/76B-€2
Recurring financial income75-€2
Financial charges65/66B€114€168▲
Recurring financial charges65€114€168▲
Profit (loss) for the period before taxes9903€-18k€-17k▲
Profit (loss) for the period9904€-18k€-17k▲
Profit (loss) for the period to be appropriated9905€-18k€-17k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-37k€-54k▼
Profit (loss) brought forward from the previous period14P€-19k€-37k▼
The notes to these accounts (6 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
11-08
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema · 11 days late
2025
27-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 27 days late
2024
15-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema · 76 days late
2023
31-12
Financial
Weakest financial yearnet €-25k
Net result drops to €-25k, the lowest in the series; recovery starts the following year.
21-08
NBB filing
Annual accounts filed
fiscal year 2022 · full schema · 21 days late
2022
29-08
NBB filing
Annual accounts filed
fiscal year 2021 · full schema · 29 days late
2021
31-12
Financial
Back to profitnet €218k
Net result €218k after one loss-making year.
31-12
Financial
Liquidity times 4669current ratio 3.15
Current ratio from 0.00 to 3.15; short-term debt falls from €89k to €71k.
31-12
Financial
Equity above €150kEq €193k
Equity rises from €-26k to €193k.
06-07
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
2020
01-10
NBB filing
Annual accounts filed
fiscal year 2019 · full schema · 62 days late
2019
09-10
NBB filing
Annual accounts filed
fiscal year 2018 · full schema · 70 days late
2018
22-08
NBB filing
Annual accounts filed
fiscal year 2017 · full schema · 22 days late
2017
29-09
NBB filing
Annual accounts filed
fiscal year 2016 · full schema · 60 days late
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
2 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, Seraing
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.
Rue de Plainevaux 1014100 SeraingGround area
305 m²
Building footprint
76 m²
Volume, LiDAR
692 m³
Parcel 62354C0124/00A153, Wallonia · tallest building 10.5 m, ±3 floors. Linked by address, not a title deed.
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62354C0124/00A153 | Wallonia | 305 m² | 1 · 76 m² | 10.5 m · 3 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
SEMO INVEST
BE 1015.765.687
Sint-Niklaas · Eq €114k
INTRO INVEST
BE 0846.820.391
Jabbeke · Eq €114k
BÚHO
BE 0883.595.566
Chastre · Eq €114k
MONTROSE
BE 0864.141.524
Jurbise · Eq €115k
CLN
BE 0538.953.279
Liège · Eq €114k
Of 12,016 companies in sector 68203 we hold annual accounts for 5,983. 3,890 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded19-04-2006
Fiscal year end31-12
Activities, NACEBEL
68203Renting and operating of own or leased non-residential real estate, excluding land
70203
Sources
Crossroads Bank for EnterprisesNational Bank · 19 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.