C&C FINANCE

Active

Private limited company (pre-2019)founded 2011active for 15 yearsRue des Pieds d'Alouette(NN) 39, 5100 Namur, Belgium54 active companies are registered at this addressKBO/BCE: BE 0834.752.504

Summary

C&C FINANCE has been active since 2011 and the Belgian Official Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €4.2m and a net result of €1.8m. Equity is shrinking by about 16% per year and would, assuming unchanged policy, indicatively turn negative around financial year 2028. Its solvency ranks better than 54% of 5,763 sector peers (NACE 68, financial year 2025). The computed 12-month bankruptcy probability is 0.6% (low).

Risk analysisFollow Report Compare

C&C FINANCEActiveChecked score 71/100

Risk analysis Report Compare

Activity

Development of residential building projects

NACE 68121Activities of holding companies NACE 64210

4th largest employer in Namur, Real estate sector1 site

Size

€7.1mturnover 2025

Staff: 15.3 FTE
Equity: €4.2m
Profit: €1.8m

Financial health

71 Healthy Checked score 2025

Bankruptcy probabilitywithin 12 months: 0.6%

Structure

Parent: STEVENY HOLDING · 100%
Holdings: 1

Jean-Claude DemeurDirector

Auditor: REMON & CO2025 accounts filed 31 days late2 of 11 deeds summarised

Why 71raises riskLiquidity: current ratio 1.60, cash €120,1431 change of registered office in 24 monthsLast filed accounts filed 31 days late; 1 of the last 3 latelowers riskProfit of €1.8m (financial year 2025)Show the evidence

Checked score

Score 2025

71 / 100

Healthy

Probability in this band: 0.55% to 1.5%

Financially better than 59% of its sector peers (NACE 68, small)

Every signal that counts is listed under Signals.

Financial strength · tick = 2024

Strong

Solvency 68-2

equity 43.1% of total assets

Liquidity 32-2

short-term debt 41.8% · cash 1.2%

Profitability 94-5

return on assets 18.2%

Bankruptcy probability, 12 months

0.6% Low

0%0.5%1.5%4%10%≥ 25%

About 6 in 1,000 comparable companies go bankrupt within 12 months (an estimate).

Sector median 0.1% (6,982 companies, NACE 68, small)

Last 24 months 11-2024: 0.1% 12-2024: 0.1%● unchanged vs 11-2024 01-2025: 0.1%● unchanged vs 12-2024 02-2025: 0.1%● unchanged vs 01-2025lowest value 03-2025: 0.1%● unchanged vs 02-2025 04-2025: 0.2%▲ +0.1 percentage points vs 03-2025 05-2025: 0.2%● unchanged vs 04-2025 06-2025: 0.2%● unchanged vs 05-2025 07-2025: 0.2%● unchanged vs 06-2025 08-2025: 0.4%▲ +0.2 percentage points vs 07-2025 09-2025: 0.5%▲ +0.1 percentage points vs 08-2025 10-2025: 0.4%▼ -0.1 percentage points vs 09-2025 11-2025: 0.4%● unchanged vs 10-2025 12-2025: 0.4%● unchanged vs 11-2025 01-2026: 0.4%● unchanged vs 12-2025 02-2026: 0.4%● unchanged vs 01-2026 03-2026: 0.4%● unchanged vs 02-2026 04-2026: 0.4%● unchanged vs 03-2026 05-2026: 0.4%● unchanged vs 04-2026 06-2026: 0.4%● unchanged vs 05-2026 07-2026: 0.5%▲ +0.1 percentage points vs 06-2026 08-2026: 0.7%▲ +0.2 percentage points vs 07-2026highest value 09-2026: 0.7%● unchanged vs 08-2026 10-2026: 0.6%▼ -0.1 percentage points vs 09-2026

Credit of up to €290,000 on 30-day terms is acceptable

Liquidity ample (current ratio 1.6, compared with 1.85 in 2024, above the usual 1.5; short-term debt: 41.8% and cash: 1.2% of total assets), but 56.9% of the assets are financed with debt and provisions.

How it is calculated

The band follows from the bankruptcy probability, on a scale where 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, small): better than 62% on solvency, 25% on liquidity, 97% on profitability and 52% on growth.

The bankruptcy probability was computed on 23-10-2026 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.

Some facts cap the score, however low the probability. Negative or zero equity, a heavy loss, a special status in the KBO, one missing filing or accounts filed more than 90 days late hold it at Fair at most (59); two missing filings, at Weak (44). An ongoing judicial reorganisation or the company's end (bankruptcy, dissolution, liquidation) holds it at Critical at most (24).

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Signals

Five signals.

lowers riskraises risk

Liquidity: current ratio 1.60, cash €120,143

NBB · annual accounts

1 change of registered office in 24 months

Belgian Official Gazette

Last filed accounts filed 31 days late; 1 of the last 3 late

NBB · filings

Profit of €1.8m (financial year 2025)

NBB · annual accounts

2025 accounts filed 31 days late

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. Nearly half (47%) of Belgian companies file late; of those that file 1 to 90 days late, 2.0% are now bankrupt, dissolved or in another special legal status, against 1.66% of all filers. A delay like this does not count in the score.

NBB · 10 filings

Deviation from the deadline

2025

31 days late

2024

29 days late

2023

29 days late

2022

30 days late

2021

11 days late

2020

19 days late

2019

35 days late

← before the deadline after the deadline →

tick = median of all Belgian filingsring = median in the sector

This company filed its last 7 accounts on average 26 days after the deadline; the sector median (NACE 68) for financial year 2024 is 7 days before the deadline, and 36% of those companies filed late.

Searched, nothing found (2)

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 30 August (5 of the last 5 filed years within 30 days of that day).

Companies Code · seven months

Where today falls in the filing period

24-10-2026 today31-12-2026 year end31-07-2027 deadline

No strike-offs in the KBO publications

Searched since 2021.

KBO publications · our coverage

31-08-2026 Annual accounts filedfinancial year 2025 · full…
28-07-2026 Appointment: Remon & Co (statutory auditor)Permanent representative: Christophe REMON ·…
31-12-2025 Weakest financial yearnet €1.8m ▼33.3%

Key points

Positive: Among the best 5% on net resultsector median €20,538 · 5,769 companies €1.8m View
Positive: 8 profitable years in a rowprofit 2025: €1.8m 8 years View
Controlled by STEVENY HOLDINGthe company in turn controls 6 companies 100% View
Caution: Result fell in 2025from €2.6m to €1.8m ▼ 33.3% View

By topic

Financials

Financial year: 2025
Turnover: €7.1m
Profit: €1.8m
Solvency: 43.1%

Turnover▲ 30.5%

Net result

20202025

Go to Financials

Board & ownership

Board: 1 member
Parent: STEVENY HOLDING · 100%
Auditor: REMON & CO

Jean-Claude DemeurDirector

Go to Board & ownership

Network & group

Subsidiaries, all levels: 6
Direct holdings: 1

6 subsidiaries

Go to Network & group

Timeline

Events: 21
Since: 2012
Next accounts: by 31-07-2027

29-08-2025Annual accounts filed
21-03-2025Registered office
29-08-2024Annual accounts filed

Go to Timeline

Company details

Sites: 1

Legal form: Private limited company (pre-2019)
Activity: Development of residential building projectsNACE 68121
Founded: 18-03-2011
Year ends: 31-12
Peppol: Reachable for e-invoices

Go to Company details

Key facts about C&C FINANCE

What is the company number of C&C FINANCE?: 0834.752.504. In Belgium the VAT number is the company number with BE in front: BE 0834.752.504.
Where is C&C FINANCE based?: The registered office is at Rue des Pieds d'Alouette(NN) 39, 5100 Namur.Company details
What does C&C FINANCE do?: According to the KBO register, the main activity is development of residential building projects (NACE 68121).
What is the legal form of C&C FINANCE?: Private limited company (pre-2019) (BVBA).
When was C&C FINANCE founded?: On 18-03-2011.
Is C&C FINANCE still active?: Yes, C&C FINANCE is an active enterprise in the KBO register.
How many employees does C&C FINANCE have?: On average 15.3 full-time equivalents in financial year 2025, according to the filed annual accounts.Financials
What is the turnover of C&C FINANCE?: €7.1m in financial year 2025, according to the filed annual accounts.
Is C&C FINANCE profitable?: In financial year 2025, C&C FINANCE made a profit of €1.8m.
Where can I find the annual accounts of C&C FINANCE?: C&C FINANCE filed 15 annual accounts with the National Bank of Belgium, the latest for financial year 2025.
When are the next annual accounts of C&C FINANCE due?: By 31-07-2027, for financial year 2026.Timeline

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How much credit can you give this customer, and on what payment terms?Credit check What should you check before you do business with this company?Supplier due diligence Is the workforce growing, and do people stay?Employer check Can you accept this company as a client under the anti-money-laundering law?AML client file Which of your other customers can you e-invoice via Peppol?Peppol check Which other companies belong to the same group?STEVENY HOLDING · 30 companies

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Overview